# Debit & Co

> Bookkeeping and accounting for growing businesses — Tampa, FL, serving Florida and clients nationwide.

Website: https://debitandco.com/
Email: info@debitandco.com
Phone: +1 813-252-1102
Location: Tampa, FL — serving FL & nationwide
Last updated: 2026-06-25

## Pages

### 3-for-1 Offer
URL: https://debitandco.com/solutions/three-accounting-roles-one-fee/
THE 3-FOR-1 OFFER Three accounting roles. One monthly fee. A bookkeeper alone keeps the books, but can’t close them fast enough to matter. On a 30-day cadence the numbers tie weeks after the decisions are made — so a cash crunch or a diligence request arrives with no warning. Three roles under one retainer turn that into a 5–7 day close you can run the business on. Best for: founders & CEOs of fast-growing startups and B2B companies wanting clean, investor-ready financials Book a Discovery Call → Three roles. One engagement. Deployed from Day 1. Each layer handles a distinct function. Remove any one of them and accuracy, oversight, or strategy breaks down. 01 Bookkeeper Accounts payable, accounts receivable, bank reconciliations. Nothing accumulates until month-end. Every cycle starts from a clean, current position — not a backlog. Without this: entries pile up, reconciliations lag, and your close date drifts from days into weeks — or months. 02 Staff Accountant Catches misclassifications, period errors, and GAAP gaps before they compound. Signs off on every close cycle. Nothing reaches your financials without a trained second set of eyes. Without this: errors survive into statements. Restatements are expensive. Diligence flags are more expensive. 03 Controller + CFO Flags margin compression, cash timing risks, and diligence gaps — before your board or a prospective buyer does. Board and lender reports available on demand, every cycle. Without this: you have accurate numbers but no one reading them for what they mean operationally. All three roles. One team. One fixed monthly engagement. Book a Discovery Call THE MATH NO ONE SHOWS YOU Most companies are paying for three separate headcounts — or absorbing the risk of going without them. Below is the market rate for each role, fully loaded, compared to what a 3-for-1 engagement with Debit & Co. costs. RoleNew York City / California / Major Metro In-HouseDebit & Co.’s 3-for-1 Bookkeeper $75,000 – $90,000 / yr ✓ Included Staff Accountant $115,000 – $135,000 / yr ✓ Included Controller + CFO Oversight $150,000 – $240,000 / yr ✓ Included Total Annual Cost $340,000 – $465,000 / yr From $10,000 / mo (~$120,000 / yr) The Continuous Close Method™ — a 4-phase system. 01 Foundation Clean books, documented processes, your Custom Playbook™. Weeks 1-3. 02 Rhythm Daily transactions. Weekly oversight. 80-90% of close work done before month-end. 03 Close Books closed in 5-7 days. Insights by

### Aaron Ressel
URL: https://debitandco.com/team/aaron-ressel/
Aaron Ressel, MBA — Founding Partner & Senior Controller at Debit & Co. 20 years leading accounting teams with GAAP review and controllership oversight.

### Bookkeeping Services in Tampa for Small Businesses
URL: https://debitandco.com/solutions/bookkeeping-services-tampa/
Bookkeeping for Tampa small businesses Tampa bookkeeping, handled every month. Running a Tampa business means the books lose to the day-to-day — until tax season turns into a scramble. The Continuous Close Method™ keeps them current every month: reconciled accounts, clean financials, a team that knows your business. Book a discovery call → Most Tampa owners only look at the books at tax time. 01For a Tampa small business, the day-to-day wins. Customers, payroll, and the work in front of you take the hours, and the books slide to whoever has a spare afternoon — or to a once-a-year cleanup. By the time anyone looks, the numbers are weeks or months stale. 02The usual fixes don’t hold. A part-time bookkeeper leaves and the close resets; software promises automation but still needs someone to reconcile it; the spreadsheet falls behind the first busy month. So tax season becomes a scramble — a year of catch-up crammed into a few weeks, with your CPA waiting on you. 03Debit & Co. keeps the books current every month instead of once a year — reconciled accounts, a clean monthly number, and a dedicated team rather than a single person who can leave. We are headquartered in Tampa and serve Tampa-area small businesses, locally and remotely, so you always know where you stand — not just in April. Your books are behind if… Most Tampa owners we meet recognize three or more of these eight. Your books run more than a month behind. Every decision is made on stale numbers. Receipts and bills pile up before anyone categorizes them. The backlog grows faster than it clears. Bank and card accounts go un-reconciled for months. Errors and double charges hide in plain sight. You can’t say what you actually made last month. Pricing and hiring calls run on gut feel. Tax season turns into a multi-week catch-up scramble. An extension becomes the plan, not the fallback. Your CPA waits on you for clean books every year. The filing slips and the bill climbs. The bookkeeping rests on one part-time person. When they leave, the close starts over. No one issues invoices or chases what you’re owed. Cash that’s yours sits in someone else’s account. The Financial Clarity™ framework. Three pillars behind the clean monthly books Tampa businesses rely on. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the

### Comprehensive Bookkeepers
URL: https://debitandco.com/services/comprehensive-bookkeepers/
Comprehensive Bookkeepers A continuous bookkeeping discipline. A dedicated bookkeeper records activity daily, while Controller and CFO oversight reviews the work weekly. The result: a 5-to-7-day close, every month, under a documented Playbook. Best for: B2B leaders needing a senior-reviewed monthly close. Book a Discovery Call Late bookkeeping costs CFOs 10 to 12 days of forecast trust per cycle. When bookkeepers catch up only at month-end, the operational decisions for that month have already been made. The financial picture lags weeks behind reality, every cycle, every report. The Continuous Close Method, applied to bookkeeping. A dedicated bookkeeper records activity daily, while the senior team reviews the work weekly. The method is rigorously designed so that most close work completes before month-end. 01 Foundation: audit + baseline The firm audits current books, verifies opening balances, and documents engagement scope across 15 days. Findings flow into the engagement baseline. 02 Cadence: rhythm and close Daily transaction recording, weekly senior review, and a 5-to-7-day close cycle. Roughly 85 percent of clients hit the target by Month 3. 03 Intelligence: Month 3+ Trend memos, variance flags, and 3 to 5 anomaly call-outs per cycle. The Playbook matures as strategic review accumulates pattern data. Roughly most close work completes before month-end. Book a Discovery Call What Debit & Co. includes. Core bookkeeping: 50+ accounts Daily transaction recording across all 50+ active accounts Bank, credit-card, and loan reconciliations within 7 days Monthly close support targeting a five-day cycle Financial statements prepared in 5 standardized GAAP formats Scoped support: AP/AR via Bill.com Accounts payable workflow via Bill.com, when scoped Accounts receivable workflow, when scoped Cleanup of 80–90% of recurring categorization issues Monthly management reporting in 5 standard formats Method layer: 12-20 SOPs + weekly review Playbook documenting 12 to 20 client workflows Weekly Controller and CFO oversight from senior reviewers Notes on 3 to 5 anomaly flags per monthly cycle Review cadence built on continuous-close method A fit when… Books are 30+ days late or fail CPA spot-checks. Monthly financials must satisfy CPA, lender, or board. Senior oversight required; $80K–$115K controller salary. Direct bookkeeper management costs 4+ hours weekly. Not a fit when… Only an annual cleanup or 1099-tax handoff is required. Hourly data entry costs $15–$25/hr. A 40-hour-per-week finance hire fills the role. Process or coding cannot adapt within 90 days. Need 40-hour finance? See Staff Accountants → Data security: encrypted data, role-based access, 7-day documented offboarding.

### Contact
URL: https://debitandco.com/contact/
Contact Book a fit assessment. A 30-minute call with Aaron and Kevin to discuss your books, your situation, and whether we are a good fit. Best for: B2B leaders needing senior-reviewed monthly close OR a full-time dedicated accountant role. Book a 20-min fit call Write to us Aaron Ressel · Kevin Cahill 30 min · no prep · pricing discussed · NDA on request From a client “Even if the cost was the same, I’d choose this. But the fact that it’s 50% less is just remarkable.” CFO, $15M ARR B2B SaaS · Cresta Analytics QuickBooks-to-GAAP transition in 90 days · senior CFO and Controller review on every cycle Send us your situation. Every message reaches Aaron or Kevin. Reply in 1 business day. Thanks — Aaron or Kevin will reply within 1 business day. Name * Business email * What’s your situation? * Books months behind Need monthly close cadence Need full-time accountant Just exploring Other How can we help? * Send Or reach us directly: +1 813-252-1102 · info@debitandco.com

### Four locations consolidated on a weekly close cycle.
URL: https://debitandco.com/case-studies/bayside-wellness-four-location-weekly-close/
Case study · Comprehensive Bookkeepers From 4 charts-of-accounts to 1 weekly P&L in 30 days. Bayside Wellness Group unified bookkeeping across 4 spa locations into a single weekly P&L in 60 days. Client snapshot Industry · Multi-location services — wellness and spa Size · $18M revenue, 4 locations, 80 staff Region · Florida, Tampa Bay Stage · Founder-led, 2 acquisitions in 18 months 4 locations, 4 bookkeepers, no single P&L. Bayside Wellness Group grew from 1 location to 4 in 18 months through acquisition. Each location ran its own bookkeeper and chart-of-accounts variant. The internal team took six weeks to assemble consolidated financials, and the resulting numbers never reconciled cleanly. 3 of the 4 bookkeepers worked part-time, 2 sub-contracted through unaffiliated firms, and the chart-of-accounts mismatch hid 2 locations’ true margin from the founder. The founder needed three things at once: a single weekly close, a unified P&L per location, and senior oversight she did not deliver herself. Coordinating 4 part-time bookkeepers across 4 entities consumed 4 hours of her week and produced no actionable view of which spa earned its keep. Three phases of The Continuous Close Method™. Debit & Co. consolidated the books in 15 days and shipped a unified weekly P&L by Day 30. 1. Foundation, Days 1 to 15 Debit & Co. consolidated 4 charts-of-accounts into a single GAAP-aligned structure with location dimensions for P&L segmentation. The dedicated bookkeeper migrated 18 months of historical data, normalized service categories across all 4 locations, and mapped Bayside’s inter-location transfer rules. Aaron Ressel, Senior Controller, approved the consolidation logic before any monthly cutover posted. 2. Activation, Days 16 to 45 Daily transaction recording started on Day 16 across all 4 locations. The bookkeeper reconciled each location’s bank account every Monday and produced a single consolidated P&L before 5pm every Tuesday. Aaron and Kevin Cahill, CFO, reviewed exception flags and location-specific anomalies every Friday. 3. Steady-state, Day 46 onward The weekly close completes every Tuesday before 5pm. Location-level margin lands within ±2 percent of forecast each cycle. The founder opens the same Tuesday packet every week — consolidated P&L, location-segmented contribution, and a one-page exception note from the Friday review. Two location-level pricing decisions ship from that packet to managers every Friday. Three measured outcomes within 60 days. 6 weeks to 1 week Consolidation cycle compressed from 6 weeks to 1 week, every Tuesday before 5pm. 4 bookkeepers consolidated to

### From 28-day close to 6-day close at a $22M industrial supplier.
URL: https://debitandco.com/case-studies/aldermont-manufacturing-28-day-close-to-6-day-close/
Case study · Comprehensive Bookkeepers From 28-day close to 6-day close at a $22M industrial supplier. Aldermont rebuilt the monthly close cycle in 90 days after the internal bookkeeper retired in Q2. Client snapshot Industry · Industrial supply, 200+ SKU wholesale distribution Size · $22M revenue, 45 employees Region · Cleveland, 4-state Midwest distribution Stage · Family-owned, second-generation since 1978, no in-house controller Four-month backlog, 60 days to a board deadline. Aldermont’s books fell four months behind for over a year. The internal bookkeeper retired in Q2 and left behind 12,800 unreconciled transactions across 11 bank and credit-card accounts. Monthly financials arrived three to four weeks past month-end, and the CFO corrected each one before circulating. Purchasing, pricing, and board-reporting decisions all ran on data that was already obsolete. The CFO needed three things, and needed them fast: a Foundation cleanup of the backlog, a sustainable monthly close cadence, and senior review without the cost of an $80K to $115K in-house controller. The board had scheduled a strategic review in 60 days. Financials needed to land reliable by then. Three phases of The Continuous Close Method™. Debit & Co. matched a dedicated bookkeeper on Day 1, then ran Foundation, Activation, and Steady-state phases. 1. Foundation, Days 1 to 15 The dedicated bookkeeper audited Aldermont’s chart-of-accounts and surfaced 312 categorization issues, three unreconciled inter-company entries, and a duplicate accounts-payable workflow. Aaron Ressel, Senior Controller, approved the U.S. GAAP-aligned rebuild plan before any new entries posted. The bookkeeper cleared the four-month backlog, rebuilt opening balances, and reconciled all 11 bank and credit-card accounts inside the first 15 days. 2. Activation, Days 16 to 45 Daily transaction recording began on Day 16. The bookkeeper closed each business day with a reconciliation pass against the bank feed. Aaron and Kevin Cahill, CFO, reviewed exceptions every Friday and signed off on each month’s close. The Custom Playbook™ documented all 14 of Aldermont’s recurring workflows, including a dedicated exception path for the deposit-on-purchase-order pattern that produced 40 percent of the original categorization issues. 3. Steady-state, Day 46 onward Monthly close hit a six-day target by Month 3, ten weeks ahead of the original schedule. Each cycle ships the same packet — close memo, variance against forecast, and exception register with recommendations. The CFO restored monthly board reporting two weeks before the next scheduled board meeting. Three measured outcomes by Month 3. 28 to 6 day close

### From cash-basis QBO to investor-ready GAAP, without an in-house hire.
URL: https://debitandco.com/case-studies/northvale-outfitters-dtc-accrual-rebuild-investor-ready/
Case study · Staff Accountants Cash-basis QBO to GAAP accrual in 45 days, no W2. Northvale Outfitters rebuilt 18 months of accrual financials in 45 days for first-round investor diligence. Client snapshot Industry · DTC e-commerce — outdoor apparel Size · $8M revenue, 40% YoY growth Region · Pacific Northwest Stage · Bootstrapped, evaluating first institutional round Cash-basis QBO, 90-day diligence window, no W2 commitment. Northvale Outfitters ran cash-basis books on QuickBooks Online with a part-time bookkeeper who reconciled inventory twice a year. Two prospective investors required accrual-basis monthlies, a proper inventory waterfall, and SKU-level cost of goods — none of which the existing setup produced. The diligence window ran 90 days. The founder needed accrual financials, SKU-level COGS attribution, and weekly inventory reconciliation. Three phases of The Continuous Close Method™. Debit & Co. rebuilt 18 months of accrual financials in 45 days and shipped the investor packet 2 weeks early. 1. Match and Foundation, Days 1 to 10 Debit & Co. matched a Staff Accountant with DTC e-commerce experience to Northvale on Day 1. The accountant audited the cash-basis QBO books, mapped Shopify and Amazon order data to GAAP revenue-recognition rules, and built the accrual-conversion model. Aaron Ressel, Senior Controller, approved the COGS-attribution methodology before any historical rebuild posted. 2. Activation, Days 11 to 45 The accountant rebuilt 18 months of historicals on accrual basis, mapped SKU-level COGS attribution, and instituted a weekly inventory-reconciliation cadence. The Custom Playbook™ documented the marketplace-fee normalization rules, the inventory-cutoff procedures, and the gift-card deferral logic. Aaron and Kevin Cahill, CFO, reviewed inventory variances and COGS attribution every Friday. 3. Steady-state, Day 46 onward Monthly close completes within 8 business days. The investor diligence packet shipped two weeks ahead of the 90-day window. When diligence opened, both lead firms pulled from the same monthly artifacts — zero rework hours. Three measured outcomes inside the 90-day diligence window. 18 months in 45 days 18 months of historicals rebuilt on accrual basis within 45 days, ready for investor review. 2 weeks early Investor diligence packet delivered 2 weeks ahead of the 90-day diligence window. $72K vs $108K Annual cost ran $72K with Debit & Co. against $108K all-in for a W2 staff accountant, 33 percent saved. Founder quote “We insisted on in-house only. Seven months later, we’re expanding our engagement.” Founder, Northvale Outfitters $8M DTC e-commerce, Pacific Northwest · 18-month accrual rebuild, 33% W2 saved 45-day

### From QuickBooks to GAAP-ready monthlies in 90 days.
URL: https://debitandco.com/case-studies/cresta-analytics-quickbooks-to-gaap-90-days/
Case study · Staff Accountants From QuickBooks to GAAP-ready monthlies in 90 days. Cresta Analytics stood up board-grade reporting ahead of a Series B raise, without a $115K in-house hire. Client snapshot Industry · B2B SaaS — analytics platform Size · $15M ARR, 60 FTE Region · Boston, remote-distributed Stage · Series B preparation, board cycle non-negotiable Series B in 90 days. Five-month hire timeline. Cresta Analytics outgrew its QuickBooks Online setup but could not justify a $115K full-time staff accountant against an upcoming Series B raise. The CFO needed monthly accrual-basis financials at board quality, ARR reconciliation tied to the CRM source-of-truth, and a deferred-revenue waterfall — none of which the existing part-time bookkeeper could deliver. The board cycle began in 90 days. Hiring through traditional channels meant a five-month timeline: search, onboarding, ramp-to-productive. Two board meetings would arrive before any new hire produced their first accrual monthly. The CFO had a clear choice: accept a five-month gap, or solve the capacity problem differently. Three phases of The Continuous Close Method™. Debit & Co. matched a Staff Accountant on Day 1 and shipped the first board-grade monthly by Day 14. 1. Match and Foundation, Days 1 to 10 Debit & Co. matched a pre-trained, GAAP-certified Staff Accountant to Cresta on Day 1. The accountant audited the existing QuickBooks Online setup, mapped Cresta’s ARR-to-revenue waterfall to the CRM source-of-truth, and built the deferred-revenue schedule. Aaron Ressel, Senior Controller, and Kevin Cahill, CFO, signed off on the waterfall logic before any monthly close ran on it. 2. Activation, Days 11 to 30 Daily transaction recording started in week 2. The accountant produced the first accrual-basis monthly within 14 days of month-end. Aaron and Kevin reviewed the deferred-revenue waterfall and the ARR-to-revenue tie-out weekly. The Custom Playbook™ documented the SaaS-specific exception paths, including the ARR snapshot logic for the cohort retention table. 3. Steady-state, Day 31 onward Monthly accrual close completes in 7 business days. The board-grade packet (P&L, balance sheet, cash flow, ARR walk, cohort waterfall) ships within 12 business days of each cycle. When Series B due-diligence began, the lead investor pulled directly from the same monthly artifacts — zero rework, zero data lineage questions. Three measured outcomes by Series B. 14-day first close First board-grade accrual monthly produced 14 days after month-end, replacing a five-month staff accountant hire path. $66K vs $108K Annual cost ran $66K with Debit &

### Healthcare
URL: https://debitandco.com/industries/healthcare/
For practice administrators and medical group CFOs Financial Clarity™ for medical practices. Episode-of-care revenue recognition, gross-to-net contractual adjustments, days-in-AR optimization, and audit-ready financials. One team. No rotating pod. Book a discovery call 22+ Medical practices Single → multi-state $240M+ Annual gross charges under management 87 → 42 Median days-in-AR Improvement on engagement Trusted by practice administrators at: Healthcare operates under accounting conditions GAAP was not designed for. 01Episode-of-care revenue is recognized over time. Gross-to-net contractual adjustments compound across the payor mix. Bad debt timing diverges from cash. Payors remit in 90 to 180 days — days-in-AR drift exposes whether the practice will make payroll three months from now. 02Most medical practices hire bookkeepers who treat the business like any other small business. The result is books that pass at startup and fail during an audit, an acquisition, or a private-equity diligence call. 03Debit & Co treats healthcare accounting as its own discipline. Gross-to-net waterfalls, payor-mix-aware revenue recognition, contractual adjustment reserves, and diligence-grade financials — built for the way practices actually run. When to engage Debit & Co. Most engagements begin with three or more of these eight conditions. Days-in-AR is rising month over month without explanation. Cash runway compresses; payroll risk by Q3. Contractual adjustments are booked as flat percentages, not payor-specific. Material misstatement at audit; restated revenue. Bad debt reserves haven’t been re-assessed since the last fiscal year. Reserves under or over by 30%+; income statement noise. The practice closes months without a formal payor mix reconciliation. Concentration risk invisible; pricing decisions unsupported. 340B drug pricing tracking is manual or skipped. Compliance risk; potential clawback exposure. Stark / Anti-Kickback compensation reviews haven’t been documented in 18+ months. DOJ scrutiny risk; settlement exposure. A practice acquisition or PE conversation is expected within 12 months. Diligence-readiness uncertain; valuation cut at LOI. The current bookkeeper rotates between practices without specialization. Healthcare-specific knowledge debt; corrections cycle quarterly. The Financial Clarity™ framework. Three pillars. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the 8th business day. Deferred revenue, accruals, prepayments, and intercompany handled correctly the first time. 02 Compliant. ASC 606 revenue recognition. R&D tax credits filed. Sales tax nexus tracked. Audit-ready by default — not as a sprint before a priced round. 03 Communicable. Financial packages a board, an investor, or an acquirer can read. Monthly close packet. Quarterly board section. Investor data room maintained

### Home
URL: https://debitandco.com/
For B2B CEOs and CFOs doing $15M–$80M Your books should be closed before you need them. Most outsourced firms deliver financials 3–4 weeks late. The Continuous Close Method™ closes your books in 5–7 days, with CFO and Controller review on every cycle, so you never walk into a board meeting guessing again. Built for $15M–$80M B2B companies tired of late books, staff turnover, and outsourced firms that fall behind. Book a Discovery Call → 50+ Years combined CFO/Controller experience 5–7 days Month-end close (vs 3-4 week industry average) 80–90% Of close work done before month-end Integration with QuickBooks Online, Bill.com, NetSuite, and Xero. Monthly close that lags 3 to 4 weeks erodes 10 to 12 days of forecast trust per cycle. Months-behind ledgers, missing entries, and period-misaligned numbers force operating decisions on stale data. Partial visibility forces decisions on incomplete numbers. Cost surfaces as unexplained margin compression. In-house turnover and monthly-only outsourced firms reset coverage every cycle, putting you back at square one. Two ways to get Financial Clarity™. 01 Comprehensive Bookkeepers starting at $300/mo Part-time bookkeeping layer with senior Controller and CFO oversight. Daily transaction recording Weekly CFO/Controller review 5-7 day close See Comprehensive Bookkeepers 02 Staff Accountants starting at $4,000/mo Full-time dedicated accountant with senior Controller and CFO review. Full-time dedicated accountant CFO/Controller oversight included 40-60% less than in-house W2 See Staff Accountants The Continuous Close Method™ — a 4-phase system. 01 Foundation Clean books, documented processes, your Custom Playbook™. Weeks 1-3. 02 Rhythm Daily transactions. Weekly oversight. 80-90% of close work done before month-end. 03 Close Books closed in 5-7 days. Insights by Day 3-4. Errors caught and corrected. 04 Intelligence Trends become visible by Month 2 to 3. Operating insight informs decisions before the next cycle. Featured case · Truvolv · Digital marketing “After reconciling more than 200 customer accounts and assuming the billing function, Debit & Co. lifted monthly billing volume by 110% in six months and recovered over $300K in aged receivables.” Truvolv · 50-person digital marketing firm · Home-services sector +110% Monthly billing lift in 6 months $300K+ Recovered from aged receivables ~5% Outstanding ratio of monthly billing Read the full case → Leadership The leadership behind your Financial Clarity™. Founding Partner & Senior Controller Aaron Ressel 20 years building high-performing accounting teams. Reviews every client deliverable for accuracy, GAAP compliance, and strategic value. Founding Partner & CFO Kevin Cahill Brings seasoned CFO-level

### Industries
URL: https://debitandco.com/industries/
Industries Where Financial Clarity™ compounds. Debit & Co engages deeply within four verticals. Each has its own accounting discipline. The firm’s standards do not vary. Book a discovery call What every Debit & Co engagement includes. Monthly close · day 4–8 Reconciled to the dollar. Cadence varies by industry. No surprises at year-end. Industry-specific revenue recognition ASC 606, ASC 958, episode-of-care, or IOLTA — handled correctly the first time. Audit-ready substantiation Reserves, allocations, and judgments documented continuously — not reconstructed at deadline. Single team. No rotating pod. The accountants who learn your business stay on your business. Continuous diligence-readiness Books that pass a priced round, bar audit, Single Audit, or PE review by default. For SaaS founders and CFOs · Series A – C SaaS. Audit-ready ASC 606 revenue recognition, deferred revenue waterfalls, R&D credit positioning, and diligence-grade board packages. Read more → For practice administrators and medical group CFOs Healthcare. Episode-of-care revenue accuracy, gross-to-net contractual adjustments, days-in-AR control, and audit-ready financials. Read more → For managing partners and firm administrators Law. IOLTA trust accounting, three-way reconciliation, WIP and realization mechanics, and partnership-grade financials. Read more → For executive directors and nonprofit CFOs Nonprofit. ASC 958 fund accounting, functional expense allocation, federal-award compliance, and audit-ready statements. Read more → 90+ Clients across 4 verticals $3B+ Client revenue under management 0 Audit findings FY25 14 days Median onboarding · signed to first close If your industry isn’t listed. Debit & Co takes selective engagements outside these four verticals. The criteria are the same: a fit between the firm’s discipline and your operating reality. The way to find out is a discovery call. Book a discovery call

### Insights
URL: https://debitandco.com/insights/


### Kevin Cahill
URL: https://debitandco.com/team/kevin-cahill/
Kevin Cahill — Founding Partner & CFO at Debit & Co. 20+ years of CFO-level finance (ex-Yieldbot, KPMG, PwC) bringing strategic clarity to growing businesses.

### Law
URL: https://debitandco.com/industries/law/
For managing partners and firm administrators Financial Clarity™ for law firms. IOLTA trust accounting, three-way reconciliation, WIP and realization reporting, and audit-ready firm financials. One team. No rotating pod. Book a discovery call 16+ Law firms 8 – 150 attorneys $620M+ Client annual revenue Under management 100% Three-way reconciliation Zero IOLTA findings Trusted by managing partners at: Law firms operate under accounting conditions ABA Model Rules require — but bookkeepers rarely understand. 01Client trust funds are not firm revenue. They sit in IOLTA accounts, ledgered per matter, three-way reconciled monthly. ABA Model Rule 1.15 makes the rules clear. State bar audits enforce them. The cost of a missed reconciliation isn’t a restated balance sheet — it’s a bar finding. 02Most firms hire bookkeepers trained on corporate GAAP. The result is books that pass at a small firm and fail under a bar audit, a partnership transition, or a malpractice insurance carrier review. 03Debit & Co treats law firm accounting as its own discipline. Three-way reconciliation, IOLTA interest remittance, WIP and realization mechanics, partner compensation accounting, and audit-ready substantiation — built for the way firms actually run. When to engage Debit & Co. Most engagements begin with three or more of these eight conditions. Client trust reconciliations rely on the bank statement alone, not the three-way method. ABA Model Rule 1.15 violation; bar discipline risk. IOLTA interest is not separately tracked and remitted to the state bar foundation. State bar audit finding; firm fine. Advanced client costs are commingled with firm operating expenses. Cost recovery underreported; tax timing wrong. WIP is reported in dollars but not by attorney, by matter, or by realization rate. Capacity decisions blind; rate increases unsupported. Settlement disbursements bypass the formal trust accounting workflow. Misappropriation risk; insurance carrier exposure. Partner compensation calculations rely on origination data that hasn’t been audited. Compensation disputes; partnership dissolution risk. The firm has grown 25%+ but the chart of accounts hasn’t been restructured. Reporting drift; management decisions on noisy data. Contingency fee revenue is recognized at settlement check, not at earned date. Tax timing wrong; cash basis violation if accrual elected. The Financial Clarity™ framework. Three pillars. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the 8th business day. Deferred revenue, accruals, prepayments, and intercompany handled correctly the first time. 02 Compliant. ASC 606 revenue recognition. R&D tax credits filed. Sales tax nexus tracked.

### LP
URL: https://debitandco.com/lp/


### Nonprofit
URL: https://debitandco.com/industries/nonprofit/
For executive directors and nonprofit CFOs Financial Clarity™ for nonprofit organizations. ASC 958 fund accounting, functional expense allocation, federal-award compliance, and audit-ready statements. One team. No rotating pod. Book a discovery call 28+ Nonprofit clients $5M – $250M budgets $1.8B+ Client annual revenue Under management 4d Median monthly close Reconciled by day 4 Trusted by executive directors at: Nonprofits operate under accounting conditions FASB designed to be different. 01Donor-restricted contributions are not revenue at receipt — they’re net assets with donor restrictions, released when the purpose is satisfied. Federal awards carry compliance obligations whose violation forfeits future eligibility. Functional expense allocation determines the program-ratio that donors and watchdog raters search for. 02Most nonprofits hire bookkeepers trained on for-profit GAAP. The result is books that pass at startup and fail at audit, at Form 990 filing, or at the Charity Navigator review that decides whether the next gift arrives. 03Debit & Co treats nonprofit accounting as its own discipline. Fund classification, functional expense methodology, grant drawdown modeling, federal-award compliance, and audit-ready statements — built for the way nonprofit organizations actually run. When to engage Debit & Co. Most engagements begin with three or more of these eight conditions. Donor-restricted contributions are recorded in unrestricted net assets. Audit qualification; restated statements. Functional expense allocation methodology hasn’t been refreshed in 2+ years. 990 disclosure unsupportable; program-ratio scrutiny. Federal awards exceed $750K but no Single Audit has been engaged. Uniform Guidance violation; future award eligibility risk. Grant compliance reports are reconstructed at deadline, not maintained continuously. Pass-through entity scrutiny; carryforward forfeiture. Endowment investment policy hasn’t been UPMIFA-aligned since 2018. Fiduciary risk; board liability exposure. Donor-advised fund grants and pledges are recognized at receipt, not promise. Revenue recognition timing fails ASC 958. The 990 is prepared by a tax CPA without a draft review by leadership. Reputational risk; donor-search red flags. Quarterly statements aren’t reconciled to the audited financials. Board confidence erodes; auditor finds reconciling items late. The Financial Clarity™ framework. Three pillars. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the 8th business day. Deferred revenue, accruals, prepayments, and intercompany handled correctly the first time. 02 Compliant. ASC 606 revenue recognition. R&D tax credits filed. Sales tax nexus tracked. Audit-ready by default — not as a sprint before a priced round. 03 Communicable. Financial packages a board, an investor, or an acquirer can read. Monthly close

### Outsource Your Startup Bookkeeping
URL: https://debitandco.com/solutions/outsource-startup-bookkeeping/
For founders buried in the books Get the books off your plate. Stop closing the books at midnight. Hand the whole function to a team — daily transactions, monthly close, clean reporting — so finance is handled and never touches your calendar. The Continuous Close Method™ runs it for you. Book a discovery call → At a lean startup, the books fall to the founder by default. 01A three-to-five-person startup rarely has a finance hire, so bookkeeping has no owner. It lands on the founder — reconciling QuickBooks, chasing receipts, coding transactions — nights and weekends, on top of the work only a founder can do. 02The usual fixes do not hold. A solo bookkeeper leaves no second set of eyes, so errors surface months later in a tax return. A part-time hire turns over. DIY software still needs someone to run it — and that someone is still you. 03Debit & Co. takes the entire function off your plate. A dedicated team records transactions daily, closes the books in 5–7 days, and delivers clean monthly reporting — with controller oversight reviewing the work. Finance is handled, and it stops touching your calendar. It’s time to outsource if… Most founders who hand off the books recognize three or more of these eight. You reconcile QuickBooks at night or on weekends. Five to eight hours a week you’d rather spend on product or customers. The books have no owner — they default to you. The one job no one else on the team can pick up. Month-end close always slips when a launch or raise lands. The books fall weeks behind and catch-up lands on a weekend. You’re the backup bookkeeper when something breaks. Every reconciliation error becomes your problem to chase. No second set of eyes reviews the numbers. Errors surface months later in a tax return or diligence request. A part-time bookkeeper left and took the context with them. You’re back to running it yourself between hires. You can’t answer “what did we spend last month?” on the spot. The books are too far behind to give you a current number. Bookkeeping is crowding out time with product and users. The founder work that actually moves the company waits. The Financial Clarity™ framework. Three pillars behind the books we take off your plate. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by

### Outsourced Accounting for Lean Startup Teams
URL: https://debitandco.com/solutions/accounting-for-lean-teams/
For lean startup teams Your books have no owner. On a 3–5 person team every seat is on product or growth, so the books fall to whoever has a spare hour — and fall behind. The Continuous Close Method™ gives accounting a real owner who runs it every day. Book a discovery call → On a lean team, the books go to whoever has a spare hour — which means no one. 01A 3–5 person startup has no spare headcount. Every seat is on product or growth, so accounting becomes the task that gets done after everything else — reconciliations between calls, receipts entered on a Sunday, a close started whenever someone remembers. Work without an owner is work that slips. 02The usual fixes do not hold. A part-time bookkeeper visits monthly and leaves the close to drift between visits; the founder takes it back ad hoc and the most expensive person on the team ends up doing the lowest-leverage work. Either way the close has no deadline and no one enforcing it, so it runs weeks late and the numbers stop being trusted. 03Debit & Co. gives accounting a real owner. A senior Controller runs the books every day and closes on a fixed schedule, with a CFO reviewing the work — so the books have a name attached, the close has a deadline, and the numbers are current without anyone on your team carrying them. You have an ownership gap if… Most engagements begin with three or more of these eight conditions. No one on the team is actually assigned to the books. Errors compound for months before anyone catches them. The monthly close has no deadline and no owner to enforce it. The close slips a little later every single month. Receipts and invoices pile up unentered for weeks at a time. Reconstructing the backlog takes days of founder time. The founder still does the books ad hoc between other priorities. The most expensive person owns the lowest-leverage work. The last close finished weeks late, and no one flagged it. Decisions run on numbers that are already stale. There is no fixed cadence for monthly financial reporting. You learn about cash problems after they hit. Bills get paid late because no one tracks what is due. Late fees and strained vendor terms add up quietly. No one reconciles the bank and card accounts each month. Unreconciled accounts

### Payroll Services in Tampa for Small Businesses
URL: https://debitandco.com/solutions/payroll-services-tampa/
Payroll for Tampa small businesses Tampa payroll, run right and on time. Payroll mistakes cost Tampa businesses in penalties and trust — and eat the hours you should spend running the company. The Continuous Close Method™ runs payroll accurately, tied to your books, so pay, filings, and taxes stay in sync. Book a discovery call → Payroll is where small mistakes get expensive. 01A missed deposit, a late filing, or a misclassified worker turns into IRS and Florida notices — with penalties that dwarf what the payroll itself cost. Get it wrong with your team and you lose their trust too. For a Tampa small business, payroll is the one task with no margin for “we’ll fix it next month.” 02The usual setup makes it worse, not better. Wages run in one tool, the books in another, and nothing reconciles — so labor cost, tax liability, and your real margin never line up when you need a straight answer. Every pay period becomes a stop-everything task that pulls you off the work that grows the business. 03Debit & Co. runs payroll accurately and on time, tied directly to your books — pay, filings, and taxes in one clean system, not three disconnected ones. We are headquartered in Tampa and serve Tampa-area small businesses, locally and remotely, so the deadlines are handled for you and the numbers always reconcile. Payroll is costing you if… Most Tampa owners we meet recognize three or more of these eight. You’ve gotten an IRS or Florida payroll notice. A missed deposit becomes a penalty that compounds. Every pay period is a stop-everything task. Hours leave the business you should be running. Payroll runs in one tool and the books in another. Labor cost and real margin never reconcile. You’re not sure a worker is W-2 or 1099. Misclassification is a notice waiting to happen. Filings and deposits land late, or you chase the deadlines. The penalty often costs more than the payroll. Year-end W-2s and 1099s become a January scramble. A correction filing eats the first weeks of the year. New hires get set up by guesswork. A missing I-9 or W-4 is a compliance gap. A payroll mistake has shaken your team’s trust. Getting someone’s pay wrong is hard to undo. The Financial Clarity™ framework. Three pillars behind payroll that’s accurate, compliant, and tied to your books. Every engagement maps to them. 01 Clean.

### Privacy Policy
URL: https://debitandco.com/privacy-policy/
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### Puzzle Partnership
URL: https://debitandco.com/lp/puzzle-partnership/
FOR PUZZLE USERS · SEED-SERIES B STARTUPS Accounting judgment for Puzzle-powered businesses. Puzzle flags 10% of your accounting for human judgment — revenue recognition, close ownership, investor reporting. That’s our scope. We handle it directly beyond your Puzzle books. Best for: seed-to-Series-B companies on Puzzle. Book a Discovery Call Puzzle automates 90% of your accounting. The remaining 10% requires a human. Puzzle handles daily categorization, reconciliation, real-time financials, and integrations with Stripe, Brex, Mercury, and Gusto. The 10% that remains — revenue recognition, investor prep, tax strategy, close ownership — isn’t a gap in the software. It’s where human expertise is legally and strategically required. Automated by Puzzle Transaction categorization Bank reconciliation Real-time financial statements Stripe, Brex, Mercury, Gusto integrations Expense tracking Handled by Debit & Co. Revenue recognition & accruals Investor-ready financial review Tax strategy & R&D credits Month-end close ownership Fundraising package preparation Five functions handled on every Puzzle account. These are the functions Debit & Co. owns on top of your Puzzle setup — the work that requires human judgment, not just software. Revenue Recognition & Accruals We apply the right recognition method for your model — subscription, milestone, or usage-based — and post all accruals monthly so your P&L reflects earned revenue, not just cash. Month-End Close We reconcile every account, post every adjustment, and close each period within 5–7 days — documented in your Custom Playbook and reviewed by a Controller on each cycle. Investor-Ready Financial Review CFO and Controller review every close packet before it reaches you. Board decks, lender reports, and investor updates prepared on demand in the format your stakeholders expect. Tax Strategy & R&D Credits We identify R&D credit opportunities, coordinate with your tax preparer, and ensure your books are structured for maximum deductibility. No surprises at year-end. Fundraising Package Preparation When you’re raising, we prepare the financial package your investors will ask for — clean historicals and diligence-ready data rooms built directly from your Puzzle data. Up and running in under a week. Most clients are live inside Puzzle within 5 business days of signing. 01 Book a 30-min discovery call We review your current Puzzle setup and identify exactly what you need. 02 Receive a scoped proposal Fixed-fee, scoped to your books. Delivered within 48 hours. No retainer surprises, no hourly billing. 03 Inside your Puzzle account within the week Nothing changes on your end. You keep Puzzle exactly

### Raise-Ready Financials for Startups
URL: https://debitandco.com/solutions/raise-ready-financials/
For founders raising a seed or Series A Raise-ready financials, before diligence opens. Investor- and board-ready P&L, balance sheet, and cash flow — clean every month, not scrambled during the round. The Continuous Close Method™ keeps your books diligence-ready. Book a discovery call → A term sheet moves on the investors’ timeline, not your bookkeeping’s. 01Diligence opens on its own schedule. When it does, a controller asks for a current P&L, balance sheet, and cash flow — recognized under ASC 606, with metrics that tie back to the ledger. Books that close in weeks instead of days cannot answer in the window the round allows. 02Most early-stage founders treat the books as a year-end tax chore. The result is reporting that passes a tax filing and stalls a raise — cash-basis revenue, ARR in a spreadsheet, no audit trail back to source documents. 03Debit & Co. keeps the books diligence-ready every month, not in a pre-round sprint. ASC 606 revenue recognition, reconciled three-statement financials, SaaS metrics tied to the ledger, and a board pack and data room maintained between rounds — the numbers are already done when the round starts. You’re not raise-ready if… Most stalled raises share three or more of these eight conditions. Your books run more than one month behind. Diligence opens before you can reconcile. No monthly P&L, balance sheet, or cash flow statement. Investors read three months of nothing. Revenue sits on a cash basis, with no ASC 606 recognition. Reported ARR won’t survive a controller’s review. You can’t produce a board-ready financial pack on request. The ask stalls while you assemble it by hand. ARR, CAC, and churn live in a spreadsheet, not the books. Metrics and financials disagree under scrutiny. Your last close took weeks, not days, to finish. A 48-hour data request becomes a two-week scramble. No audit trail ties your numbers back to source documents. Diligence questions reopen line items one by one. You personally assemble the data room every funding cycle. Forty hours leave the fundraise for cleanup work. The Financial Clarity™ framework. Three pillars behind the due-diligence-ready books funded startups rely on. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the 8th business day. Deferred revenue, accruals, prepayments, and intercompany handled correctly the first time. 02 Compliant. ASC 606 revenue recognition. R&D tax credits filed. Sales tax nexus tracked. Audit-ready by

### SaaS
URL: https://debitandco.com/industries/saas/
For SaaS founders and CFOs · Series A – C Financial Clarity™ for venture-backed SaaS. Monthly close, ASC 606 revenue recognition, R&D tax credits, and board-ready financials. One team. No rotating pod. Book a discovery call 30+ SaaS clients Series A – C $500M+ client ARR under management $3M+ R&D credits filed FY25 Trusted by SaaS founders at: SaaS companies operate under accounting conditions GAAP was not designed for. 01Revenue is recognized over time, not at point of sale. Annual contracts collected upfront sit as deferred revenue for twelve months. R&D dollars compound into tax credits only when claimed correctly. By Series B, due diligence reviews go deep on revenue recognition — and find errors that reshape valuations. 02Most SaaS companies hire bookkeepers who treat the business like any other small business. The result is books that pass at seed and fail at Series B. 03Debit & Co treats SaaS accounting as its own discipline. ASC 606, deferred revenue waterfalls, cohort metrics, R&D credit positioning, and diligence-grade financial packages — built for the way SaaS companies actually scale. When to engage Debit & Co. Most engagements begin with three or more of these eight conditions. ARR growth is outpacing the bookkeeper’s ability to close. Books delay 3 days per board-prep. CFO velocity loss. Annual contracts are recognized at invoice rather than over the service period. ASC 606 misstatement surfaces in Series B diligence. Deferred revenue and unearned revenue are tracked manually in spreadsheets. Reconciliation drift compounds quarterly. Board meetings begin without a financial section drafted. CFO credibility erodes board-by-board. Revenue recognition under ASC 606 has never been formally reviewed. Diligence finding triggers valuation cut. R&D tax credits have not been filed in the last two fiscal years. ~$1.4M typical recovery foregone ($10M ARR SaaS, FY26 avg). A priced round is expected within 18 months. Diligence-readiness is uncertain. Round delays 60-90 days under audit. The current bookkeeper rotates account leads more than once a year. Knowledge debt compounds. Onboarding repeats. The Financial Clarity™ framework. Three pillars. Every engagement maps to them. 01 Clean. Books that reconcile to the dollar. Monthly close by the 8th business day. Deferred revenue, accruals, prepayments, and intercompany handled correctly the first time. 02 Compliant. ASC 606 revenue recognition. R&D tax credits filed. Sales tax nexus tracked. Audit-ready by default — not as a sprint before a priced round. 03 Communicable. Financial packages a board, an investor,

### Services
URL: https://debitandco.com/services/
Services Two ways to get Financial Clarity™. Whether you need part-time bookkeeping support or a full-time dedicated accountant, every engagement is powered by The Continuous Close Method™ — our dual-layer system delivering accurate financials in 5-7 days, not 3-4 weeks. Best for: $15M–$80M B2B leaders needing in-house-equivalent close cadence. Comprehensive Bookkeepers Staff Accountants Both options include: Daily recording Transactions captured daily, not monthly dumps Weekly oversight CFO/Controller review, not hoping it’s right Custom Playbook™ Knowledge doesn’t leave with people Pre-close 80-90% Most close work done before month-end Clarity in 90d Financial Clarity™ within 90 days Two ways to get Financial Clarity™. Comprehensive Bookkeepers $300 – $2,000 / month For B2B companies that need accurate books without the cost of a full-time hire. Daily transaction recording Weekly CFO/Controller review 5-7 day close See Comprehensive Bookkeepers Staff Accountants $4,000 – $6,000 / month For growing B2B companies ($10M+) tired of recruiting, training, and losing in-house staff. Full-time dedicated accountant CFO/Controller oversight included 40-60% less than in-house W2 See Staff Accountants 50+ Years combined experience GAAP U.S. certified Certified QuickBooks · Bill.com Secured Cloud · restricted access Ready for Financial Clarity™? Book a 30-minute discovery call. Tell us your situation, we’ll be honest about fit, and you get a custom proposal in 48 hours. Book Discovery Call

### Solutions
URL: https://debitandco.com/solutions/
SOLUTIONS Find the fix for where your books are stuck. Every growing startup hits a different accounting wall — a raise, a founder buried in QuickBooks, a close no one owns, numbers you can’t trust. Pick the one that sounds like you. Each is solved by the same team and the Continuous Close Method™. Best for: founders & CEOs of pre-seed to Series A startups. Book a Discovery Call → Where are your books stuck? Raise-ready financials Investor-ready P&L, balance sheet, and cash flow — clean before diligence opens, not scrambled during it. See how → Get the books off your plate Stop closing the books at midnight. Hand the whole function to a team and get your hours back. See how → Accounting with a real owner Lean team, no one owns the books? Give accounting a daily owner so the close never falls behind. See how → Stop flying blind Monthly financials plus the metrics investors ask about — runway, ARR, CAC, churn — not a tax-time spreadsheet. See how → Beyond spreadsheets First real revenue? Move to a proper close with ASC 606 revenue recognition, built to scale. See how → End the hire-train-lose cycle A team behind your books with continuity built in — one departure never resets your close. See how → Three roles, one fee A bookkeeper, staff accountant, and controller with CFO oversight — for about the cost of one local hire. See how → When to hire vs. outsource First finance hire or an outsourced team? The honest framework — based on volume, runway, and your next raise. See how → Bookkeeping services in Tampa A local Tampa small business? Hand the books to a dedicated team — current every month, never a tax-time scramble. See how → Payroll services in Tampa Run payroll right and tied to your books — accurate runs, taxes filed on time, no penalty notices, for your Tampa small business. See how → Ready for Financial Clarity™? Book a 30-minute discovery call. Tell us your situation, we’ll be honest about fit, and you get a custom proposal in 48 hours. Book Discovery Call

### Staff Accountants
URL: https://debitandco.com/services/staff-accountants/
Staff Accountants An embedded accountant from Day 1. A pre-trained accountant operates the seat from Day 1 under The Continuous Close Method™. Cost lands at 40 to 60 percent less than the all-in W2 hire, including recruiting and onboarding overhead. Best for: $10M+ B2B leaders needing in-house capacity. Book a Discovery Call Hiring a W2 accountant locks in $80K to $115K of fixed cost plus turnover risk. Recruiting takes 3 to 6 months. Training takes 3 to 4 more. Year-1 lands at $80K to $115K, resetting at every seat turnover. The Continuous Close Method™, scaled for a dedicated full-time finance seat. A GAAP-certified accountant runs the seat from Day 1. Aaron Ressel, Senior Controller, and Kevin Cahill, CFO — 50+ years of operating finance — review weekly. 01 Foundation: audit + baseline Audit current systems, verify opening balances, document the first version of the operations Playbook. 02 Cadence: rhythm and close The accountant owns daily activity. Aaron and Kevin run weekly Controller and CFO review. Books close 5 to 7 days every cycle. 03 Intelligence: Month 3+ Steady-state data feeds monthly insight from Aaron and Kevin — beyond compliance reporting. Book a Discovery Call Three engagement layers: talent, method, deliverables. Full-time talent 40 hrs/week dedicated GAAP-certified seat QuickBooks Online, Bill.com, Xero, NetSuite Day-1 productive, no 6-month ramp Matched to your industry and scope Method layer Weekly Aaron and Kevin senior review Custom Playbook™ with documented SOPs 5 to 7 day close audited every cycle Continuous Close cadence, audited weekly Plus everything in CB Daily transaction recording, 1,000+/mo Bank, credit card, and loan reconciliations Monthly financial statements and reporting AP and AR support, integrated with Bill.com Probable fit if… Need 40 hrs/week of dedicated accounting capacity. Tired of 6-month W2 recruiting and turnover risk. Want Day-1 productive, pre-trained accounting talent. Want $200K Controller review without the seat cost. Wrong fit if… Only need 10 hrs/week of bookkeeping support. Want $40K junior staff over a $200K senior seat. Need on-site daily physical presence. Want to manage a direct hire without oversight layer. Need part-time bookkeeping instead? See Comprehensive Bookkeepers → Data security: encrypted data, role-based access, 7-day documented offboarding. Book a Discovery Call Case studies Rebuilding AP operations for a construction firm on Dynamics 365. → ArchTile’s accounts-payable backlog cleared within 60 days after an AP redesign in Business Central restored vendor payment accuracy and project-level payable visibility. From cash to accrual:

### Startup Accounting Setup for ASC 606
URL: https://debitandco.com/solutions/startup-accounting-asc-606/
For startups at first revenue Revenue’s here. Your spreadsheet isn’t ready. The spreadsheet that ran your books at zero revenue breaks the moment real money moves. The Continuous Close Method™ moves you onto a real close with proper ASC 606 revenue recognition, built to scale. Book a discovery call → What is ASC 606 revenue recognition? 01ASC 606 is the U.S. accounting standard that governs when and how a company records revenue. Instead of booking revenue when cash arrives, it requires you to recognize revenue as you actually deliver the product or service — which matters most for SaaS and subscription businesses, where an annual contract is earned month by month rather than all at once on the invoice date. 02In practice it runs on a five-step model: identify the contract, identify the performance obligations, set the transaction price, allocate that price across the obligations, and recognize revenue as each is satisfied. The result is a top line investors and auditors trust — deferred revenue tracked correctly, recognition schedules that hold up in diligence. 03Getting it right is exactly what a spreadsheet can’t do. Debit & Co. builds ASC 606 revenue recognition into your monthly close from day one — working from a clear ASC 606 checklist of contracts, obligations, pricing, allocation, and recognition timing — so your revenue is accurate the month money moves, not reconstructed before a round. Your spreadsheet is breaking if… A spreadsheet can’t carry your first dollars of revenue. Most startups outgrowing one share three or more of these eight conditions. You have no revenue recognition — no ASC 606, no deferred revenue schedule. Your top line is wrong the month money arrives. Annual contracts get booked as cash, all at once on the invoice date. Reported revenue won’t survive a controller’s review. One miskeyed cell flows into every formula downstream. By the third patch, no one trusts the totals. Cells overwrite silently, leaving no audit trail. When an auditor asks how a number was built, the answer is a guess. Deferred revenue is mishandled or simply not tracked. ARR and the books tell two different stories. Multiple hands touch the same bills and tabs. No one is sure which version of the number is real. There is no monthly close — reconciling happens only at tax time. You learn what you spent six months too late. Reconstructing the numbers costs more than the books

### Startup Financial Reporting for Founders
URL: https://debitandco.com/solutions/startup-financial-reporting/
For founders deciding on gut feel Stop running the business on gut feel. You’re past your first million but still can’t answer runway, CAC, churn, or real margin. The Continuous Close Method™ delivers monthly financials plus the metrics investors ask about — so you decide on numbers, not instinct. Book a discovery call → The business outgrew the spreadsheet you run it from. 01The decisions got bigger and the numbers stayed the same. Hiring, pricing, and spend now move real money, but the figures behind them still live in a tax-time spreadsheet that lands weeks late. A call made on a stale number costs a quarter to unwind. 02Most founders treat the books as a year-end chore, so the metrics that should steer the company — runway, CAC, net revenue retention, real margin — sit in a separate sheet that never ties to the ledger. When a board member asks, the honest answer is that nobody has counted this month. 03Debit & Co. gives you the numbers every month, not at year-end. A reconciled monthly close, the SaaS metrics tied to that close, and a cash and runway view that updates with it — so the next big call runs on figures you can trust, answered before the question lands. You’re flying blind if… Most founders running on instinct share three or more of these eight conditions. You make hiring, pricing, and spend calls on instinct. The cost surfaces a quarter later, in margin you can’t explain. You can’t answer a board member’s question on CAC or churn. Nobody has counted this month. Cash and runway surprise you weeks after the fact. By the time the sheet catches up, the window to act has closed. Your ARR, CAC, and churn live in a spreadsheet, not the books. The metrics and the financials disagree under scrutiny. There’s no monthly reporting cadence — numbers arrive only at tax time. You steer the company on figures that are months old. You don’t know your real gross margin by product or segment. Pricing and discounting run without a floor. Your last close took weeks, not days, to finish. The number is stale the day it finally lands. You can’t say what you spent last month without digging. Burn is a guess, not a figure you watch. The Financial Clarity™ framework. Three pillars behind numbers you can run the business on. Every engagement maps to

### Stop Losing the Bookkeeper You Just Trained
URL: https://debitandco.com/solutions/outsourced-accounting-vs-hiring/
For founders tired of turnover Stop losing the bookkeeper you just trained. Recruiting an accountant takes three to six months; then they leave and the knowledge walks out. The Continuous Close Method™ puts a team behind your books, continuity built in, so one departure never resets your close. Book a discovery call → Hiring your way to a clean close rarely holds. 01The first accounting hire takes three to six months to recruit and another three to four to ramp. You carry a full salary long before the work is reliable, and the entire close depends on one person being at their desk. A sick week, a vacation, a single resignation, and the month stalls. 02Then the hard part. Once they are finally productive, a higher offer arrives and they take it — and a year of training walks out the door with them. The process lived in their head, undocumented. The close resets to zero while a replacement learns your books from scratch, and you are back in job postings instead of running the company. 03Debit & Co. ends the hire-train-lose cycle. A team stands behind your books, the knowledge is documented in your Custom Playbook™ rather than one person’s memory, and coverage holds when anyone is out. One departure never resets your close — because the close was never resting on one set of shoulders. The hire-train-lose cycle looks like this. Most founders recognize three or more of these eight conditions before they call us. Recruiting an accountant drags on for three to six months before anyone starts. Books sit half-managed while the seat stays empty. A new hire needs three to four months of ramp before the work is reliable. You pay full salary months before you get full output. One person owns the books, so the close has a single point of failure. A sick week or a vacation stalls the entire month. Your trained bookkeeper leaves for a higher offer once they are finally productive. Twelve months of training walks out the door at once. Your process lives in one person’s head, undocumented and impossible to hand off. No successor can pick up where the last one stopped. Each departure resets the close to zero while a replacement learns your books. The five-day close stretches back to three weeks. You are back in job postings and interviews instead of running the company. Re-recruiting costs another

### Team
URL: https://debitandco.com/team/
For B2B leaders $15M–$80M The leadership behind Financial Clarity™. 50+ years of combined CFO and Controller leadership on every close. Aaron and Kevin review every client deliverable for accuracy, GAAP compliance, and strategic value. Best for: $15M–$80M B2B leaders needing in-house-equivalent close cadence. Book Discovery Call Every client engagement runs through dual-layer oversight: a dedicated accountant doing the work plus weekly senior Controller and CFO review. Layer 2 — the senior-review layer — is unique to The Continuous Close Method™ and drives consistent monthly close cadence. — Aaron Ressel, Senior Controller · Kevin Cahill, CFO Aaron Ressel Founding Partner & Senior Controller Leads quality assurance with 20 years building high-performing accounting teams. Reviews every client deliverable for accuracy, GAAP compliance, and strategic operating value. Transforms unstructured ledgers into reliable financial data. Clients see actionable trends emerge by Month 2 to 3 under weekly senior review and documented oversight. View full profile → · LinkedIn → Kevin Cahill Founding Partner & CFO Brings CFO-level strategic insight to every engagement. Ensures data is actionable, surfaces cost savings, and informs confident operating decisions at the leadership level. Shifts engagement from reactive accounting to proactive financial management. Strategic intelligence activates during every close cycle to inform leadership decisions. View full profile → · LinkedIn → By the numbers. 50+ Years of combined CFO/Controller experience 20+ Years of senior controller experience (Aaron) 2 Founding partners reviewing every account Weekly Cadence of senior oversight on every engagement Who works on your account day-to-day. Our accountants are GAAP-trained, QuickBooks-certified, and continuously upskilling under senior Controller and CFO oversight. Standards every dedicated accountant meets U.S. GAAP certified QuickBooks (or your platform) certified Trained in The Continuous Close Method™ Reviewed weekly by Aaron and Kevin Talk to Aaron and Kevin. A 30-minute discovery call. Tell us your situation; we’ll respond with an honest fit assessment within 24 hours. Book Discovery Call

### The Method
URL: https://debitandco.com/method/
For B2B leaders $15M–$80M A senior-reviewed monthly close. A dual-layer system: dedicated accountant plus seasoned CFO and Controller oversight on every transaction. The Continuous Close Method™ in practice. Best for: $15M–$80M B2B leaders needing in-house-equivalent close cadence. Book Discovery Call Why traditional close fails. Monthly Bookkeeping FirmIn-House StaffThe Continuous Close Method™ Cadence Once-monthly visits Always behind Daily activity Oversight No oversight Inconsistent Weekly CFO/Controller review Close speed 3-4 week closes Reactive only 5-7 day close Knowledge Drops + disappears Leaves when staff quits Documented in your Playbook Strategic value Transaction dumps Zero strategy Proactive insights What you do Wait + hope Manage them Nothing — managed by us Not just an accountant. Not just oversight. Both. Layer 1 Your Dedicated Accountant Trained in our methodology and U.S. GAAP. QuickBooks & Bill.com certified. Working on YOUR business daily — recording transactions, posting journal entries during the month, building your Custom Playbook™. Layer 2 CFO/Controller Oversight Aaron Ressel (Senior Controller, 20 years experience) and Kevin Cahill (CFO) review every transaction weekly, generate strategic insight, and identify cost savings before they reach you. This isn’t hoping it’s right. This is knowing it’s right. 01 Foundation Weeks 1-3. Building your financial infrastructure. What we do Review your existing SOPs (or create new ones) Clean up past transactions Establish standardized processes Build your Custom Playbook™ Outcome: Accurate starting point + documented processes. 02 Rhythm Ongoing. The continuous difference. What we do Transactions recorded DAILY (not monthly) Weekly reviews by CFO/Controller team Monthly journal entries posted DURING the month 80-90% of close work done BEFORE month-end Outcome: Always current, never behind. The game-changer: while other firms scramble for weeks AFTER month-end, we’re already 90% done. 03 Close Books closed on schedule. Trial balance ties before reporting drift. What we do Books closed in 5-7 days Strategic insights generated by Day 3-4 Errors caught and corrected Cost savings identified proactively Outcome: Fast, accurate financials + strategic intelligence. 04 Intelligence Month 2-3+. Where the magic happens. What we do Trend analysis becomes visible (Month 2-3) Predictive insights emerge SOPs continuously refined Playbook gets smarter, fewer errors over time Outcome: You finally understand how your business operates. The breakthrough: this is when clients have their “aha moment” — they see profitability by product, by client, by service line. Often for the first time. Your Custom Playbook™ — institutional knowledge that doesn’t leave. What’s in it All SOPs documented and

### When to Hire vs. Outsource Your Startup Accounting
URL: https://debitandco.com/solutions/hire-vs-outsource-accountant/
HIRE OR OUTSOURCE? When to hire vs. outsource your startup’s accounting. Most founders hire too early or wait too long. The call turns on transaction volume, runway, and how close you are to a raise. Here’s the honest framework — and where an outsourced team beats a first hire. The Continuous Close Method™ makes the math clear. Book a discovery call → The decision is rarely a yes or no — it’s a when. 01Every founder eventually outgrows doing the books themselves. The question is what comes next — a first finance hire, or an outsourced team. Hire too early and an $80k–$115k salary sits idle against low volume. Wait too long and the books drift, the close slips, and you walk into a raise with numbers no one trusts. 02The honest answer turns on three variables, not on ambition. Transaction volume — is there enough work to keep someone busy full-time? Runway — can you carry a salary plus benefits for a year before the role is reliable? And timeline — how close is your next raise, and how soon do the books need to survive diligence? Score low on volume and high on urgency, and a first hire is the wrong tool. 03That is the gap Debit & Co. was built for. The Continuous Close Method gives most pre-seed to Series A startups bookkeeper, accountant, and controller coverage — with CFO oversight — for less than a single salary, live in days instead of months. For many founders, outsourcing isn’t a stopgap before the first hire; it’s the better answer until volume genuinely justifies a full-time team. You’ve outgrown DIY — the question is what comes next. Recognize three or more of these eight signals, and it’s time to decide between a first hire and an outsourced team. The books eat hours you should be spending on product and customers. Founder time is the most expensive way to keep a ledger. Month-end close slips later and later, or doesn’t really happen. You learn what you spent weeks after you could have acted on it. You can’t quickly answer what you spent last month or what runway you have left. Decisions get made on gut feel instead of numbers. A raise is on the horizon and the books won’t survive diligence as they stand. Cleanup under deadline costs more than doing it right. Transaction volume isn’t yet enough to

## Insights

### The anatomy of a slow close
URL: https://debitandco.com/insights/anatomy-of-a-slow-close/
The 7 close-cycle bottlenecks compressing operating margin at B2B firms, and what a 7-day close actually looks like.

### It’s the Night Before Your Board Meeting and Your Books Aren’t Ready. Again.
URL: https://debitandco.com/insights/its-the-night-before-your-board-meeting-and-your-books-arent-ready-again/
Your tax preparer just survived April 15th. They have time, they’re focused, and they’re not yet drowning in September deadlines. Show up in May or June with clean books and you’ll get their best work — thoughtful, thorough, with enough breathing room to actually look for ways to reduce your tax liability. Show up in August and you’ll get whatever’s left. Most businesses that filed extensions do the same thing: file it, feel the relief, and then completely forget about it until the summer is basically over. Then they scramble to pull everything together, their preparer is already buried, and they end up paying more for a rushed process that had months to be done right. Here’s what that scramble actually costs you: it’s not just the extra billable hours your preparer charges to chase down missing information and fix categorization errors. It’s the deductions they didn’t have time to find. The questions they didn’t have room to ask. The optimization that doesn’t happen when everyone is just trying to get it done before the deadline. The extension bought you time. The question is whether you’re going to use it.

### You think your margins are 70%. What if they actually 45%?
URL: https://debitandco.com/insights/you-think-your-margins-are-70-what-if-they-actually-45/
We had a client who was certain their margins were 70%. They were 45%. And before you think “that would never happen to me” — they thought the same thing. The scary part isn’t the gap itself. It’s everything that came with it. Years of discounts they couldn’t actually afford. Pricing built on assumptions that hadn’t been revisited since the business looked completely different. A service line they’d been investing in heavily that was quietly one of their worst performers. And their best, most loyal clients? Significantly undercharged — for years — because there was never clean enough data to see it. None of this happened because they were running the business carelessly. It happened because their accounting was never set up to give them the right answer. The books balanced. The top line grew. Everything looked fine. But the margin number in their head was fiction, and every decision downstream of that number was built on it. The good news is that once they could actually see their real margins — by service line, by client, properly categorized — the fixes were obvious. They didn’t overhaul their pricing overnight or fire anyone. They just stopped making decisions in the dark.

### Your revenue is growing. So why doesn’t it feel like you’re keeping more?
URL: https://debitandco.com/insights/your-revenue-is-growing-so-why-doesnt-it-feel-like-youre-keeping-more/
You’re making more than ever. You’re also guessing more than ever. At some point, gut feel stops being a strategy. Here’s what replaces it. And to be clear — there’s nothing wrong with your instincts. They got you to where you are. But there’s a ceiling to how far instinct alone can take a growing business, and a lot of CEOs hit that ceiling without realizing it. They just notice that things feel harder than they should. Revenue goes up, but the bank account doesn’t seem to reflect it. They can’t quite explain why. They just feel it. That feeling has a name: it’s a visibility problem. Not a revenue problem, not a people problem, not a “we just need to grow faster” problem. You don’t have bad financials because you made bad decisions. You have bad financials because nobody built a system that actually keeps up with your business.