Accounting for your whole business
Your accounting,
handled end to end.
Bookkeeping, monthly close, reporting, and oversight — one team running your entire finance function on a single monthly fee. The accounting your growing small business needs, without building it in-house.
As a business grows, its accounting sprawls — and no one owns the whole picture.
01It starts simple and then spreads. A bookkeeper handles data entry, a tax CPA appears once a year, a spreadsheet tracks the numbers no one else does, and you fill every gap in between. Each piece works on its own, but nothing connects — and no single person owns how your business is actually doing month to month.
02The cost of that gap is quiet but real. The close runs late because no one is on the hook for it, reporting only happens when you ask, and the work that ties it all together — reconciliation, accruals, a clean monthly picture — falls to whoever has a free hour. The most expensive person on the team often ends up being you.
03Debit & Co. runs the entire function as one team. Bookkeeping, close, reporting, and oversight sit under a single owner who runs them every day on the Continuous Close Method™ — so your numbers stay current and one team is accountable for the whole picture. If you specifically need oversight, see outsourced controller services.
Your accounting needs a real owner if…
Most engagements begin with three or more of these eight conditions.
- Your finance work is spread across three or four separate vendors and tools.
Each one does its slice; nobody answers for the whole. - When a number looks off, you are the one who has to chase it across them.
You have quietly become the integration layer for your finances. - The same figure shows up differently in your books, your spreadsheet, and your bank.
There is no single version of the truth to act on. - No one can hand you the full picture — only their corner of it.
You assemble the real story yourself, every month.
- Bookkeeping, payroll, and reporting each sit with a different provider.
The handoffs between them are where things fall through. - Your reports never quite line up, because the inputs come from separate places.
Reconciling the sources eats the time you should spend deciding. - You have added vendors one at a time and never stepped back to consolidate.
You pay several bills for a function that should be one. - No single person can speak to how the business is actually doing.
Strategic calls wait on a picture no one is positioned to give.
The Financial Clarity™ framework.
Three pillars behind a finance function your business can finally hand off. Every engagement maps to them.
01
Clean.
Books that reconcile to the dollar. Monthly close by the 8th business day. Accruals, prepayments, and deferred items handled correctly the first time, every month.
02
Compliant.
Sales tax tracked, payroll filings coordinated, and the year organized so tax time is a handoff, not a scramble. Audit-ready by default — not as a year-end fire drill.
03
Communicable.
Financial statements an owner, a lender, or a buyer can read. A monthly reporting package, profit by month, and the numbers you need before you make the call.
Staff Accountants and Comprehensive Bookkeepers deliver against each pillar across your whole finance function.
Six functions Debit & Co. owns for you.
Together these six functions are your whole accounting operation. The mix of Staff Accountants and Comprehensive Bookkeepers depends on your size and stage. See how the three roles work on one fee.
Bookkeeping
The same team that owns everything else also owns your ledger, so there is no handoff between a data-entry vendor and whoever interprets the numbers. Receipts, invoices, and card activity are coded into one shared QuickBooks Online file the whole function works from — instead of living in three places that never agree.
Pillar: Clean · Delivered by: Comprehensive Bookkeepers
Monthly Close
Month-end stops being a relay between a bookkeeper, a tax preparer, and you. One team pulls every account, accrual, and reconciliation into a single close on a 5–7 day target — one consolidated picture, signed off by the people who maintained it all month, with nothing left to chase down across vendors.
Pillar: Clean · Delivered by: Staff Accountants
AP & AR
Money moving out and money coming in are handled by the same group that keeps the books and runs the close, working in Bill.com so the two sides never drift apart. You stop being the connective tissue between whoever pays bills and whoever records them — one team sees the full cash position and acts on it.
Pillar: Compliant · Delivered by: Comprehensive Bookkeepers
Payroll Coordination
Payroll no longer sits in its own silo, disconnected from the books it should reconcile to. The same team coordinates each run with your provider, ties it back into the ledger, and tracks the related filings — so headcount cost lands in your numbers automatically instead of becoming one more thread you personally have to stitch together.
Pillar: Compliant · Delivered by: Comprehensive Bookkeepers
Financial Reporting
Because one team owns every input, the monthly package is a single coherent read — profit and loss, balance sheet, and profit by month that all reconcile to each other. You stop assembling the real story from a bookkeeper’s file, a spreadsheet, and a year-old tax return, and start getting one report that already ties out.
Pillar: Communicable · Delivered by: Staff Accountants
Controller Oversight
Sitting above the whole function is senior review you would otherwise have to hire for or go without. A Controller and CFO look across bookkeeping, close, AP/AR, and reporting as one connected system — catching the cross-account issues that slip past when each piece lives with a different vendor and no one is reading them together.
Pillar: Communicable · Delivered by: Both
Featured case · Established small business
“For the first time, our whole accounting function runs as one team. By month 3 we saw exactly where margin was leaking and recovered $180k in redundant vendor costs we’d carried for years.”
Owner · 40-person services business
$180k
Redundant vendor cost recovered
Month 3
Margin breakthrough
6-day close
Down from 22 days
Where Debit & Co. fits.
Specificity is a service. The list below is honest.
A good fit:
- An established business of roughly 5–80 employees with steady, recurring activity.
- You would rather hand the entire finance function to one team than manage the pieces.
- You have collected several vendors and tools over time and want them folded into one.
- You want one group accountable end to end, not a stack of providers to coordinate.
- You want a single, consistent monthly picture that does not depend on you assembling it.
Not the right fit:
- A solo operator or pre-revenue business with little activity to manage yet.
- You are shopping for one isolated service to plug a gap, not a function to own outright.
- You already run a full in-house finance department and just need extra hands.
- You are looking for a tool to operate yourself, not a team to take the work off you.
Common questions, answered.
What’s included in outsourced small-business accounting?
Your whole accounting function, run by one team: bookkeeping and daily transaction entry, bank and card reconciliation, AP and AR, payroll coordination, a monthly close on a fixed schedule, financial reporting, and senior Controller oversight. You get a current, accurate set of books and a reporting package every month — not a pile of tasks you still have to manage.
Do you replace our bookkeeper and CPA?
We replace the patchwork of disconnected vendors with one accountable team that owns the day-to-day function — bookkeeping, close, reporting, and oversight. Many clients keep their tax CPA for the annual return, and because the books are clean and current year-round, that filing becomes a clean handoff instead of a year-end scramble.
What software do you work in?
We run on QuickBooks Online for the books and Bill.com for payables and receivables, and coordinate with your existing payroll provider. If you already use these, we step into your setup; if not, we get you onto a clean stack during onboarding. The tools stay standard so your records are never trapped with one person.
How fast can you onboard us?
Most businesses are fully onboarded within the first few weeks. A Foundation phase clears any backlog and reconciles every account before the ongoing cadence begins, so cleanup is handled up front rather than wedged between other work. From there, daily entry and a fixed monthly close keep the books from ever falling behind again.
How much does it cost?
Your whole accounting function is one flat monthly fee — no hourly billing and no surprise invoices. The fee is scoped to your size, transaction volume, and the mix of bookkeeping and senior work your business needs. We confirm the exact number in a discovery call and put it in a custom proposal, so you know what you are paying before you commit.
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.