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.
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 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 between rounds.
Staff Accountants and Comprehensive Bookkeepers deliver against each pillar in two distinct engagement models.
Six functions behind numbers you can run on.
Monthly financial reporting for tech startups, composed of these six functions. The mix of Staff Accountants and Comprehensive Bookkeepers depends on your team size and stage.
Monthly Close & Reconciliation
Books closed in 5–7 days, every month, with every account reconciled to the dollar before financials ship. The numbers you decide on are the numbers that tie.
Pillar: Clean · Delivered by: Both
Management Reporting
A monthly package you can act on: P&L, balance sheet, and cash flow with prior-period comparison. The reporting layer that replaces the tax-time spreadsheet.
Pillar: Communicable · Delivered by: Comprehensive Bookkeepers
SaaS Metrics & KPIs
ARR, CAC, net revenue retention, gross margin, and burn multiple, tracked monthly against your own trend and tied to the ledger. The metrics investors ask about, answered before they ask.
Pillar: Communicable · Delivered by: Comprehensive Bookkeepers
Cash & Runway Visibility
A 13-week cash view and a runway figure that updates with the close. You see the constraint weeks before the bank balance does, while there’s still room to act.
Pillar: Communicable · Delivered by: Comprehensive Bookkeepers
Revenue Recognition (ASC 606)
Deferred revenue, multi-year contracts, and usage billing recognized correctly. The line between bookings and revenue stays clean, so margin reads true.
Pillar: Compliant · Delivered by: Staff Accountants
Board & Investor Reporting
A board section and a data room a fund can diligence without a fire drill. The numbers stay current between rounds, not rebuilt the week a term sheet lands.
Pillar: Communicable · Delivered by: Both
Featured case · B2B SaaS
“By month 3, we finally saw where our margins were bleeding. The Continuous Close Method uncovered $180k in redundant vendor costs we’d been carrying for years.”
CEO · $22M B2B SaaS Company
$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:
- Past your first million in revenue, making real spend and hiring calls.
- SaaS or professional-services business model.
- You want SaaS metrics — ARR, CAC, churn, margin — tied to the books.
- You want monthly reporting you can act on, not a year-end summary.
- A board or investors who expect numbers on cadence.
Not the right fit:
- Pre-revenue, with no transactions to report on yet.
- You need only a tax return, not ongoing reporting.
- You already have a controller running monthly reporting in-house.
- You want a dashboard tool to buy, not a finance team.
Frequently asked.
What financial reports do startups need?
At a minimum, a monthly P&L, balance sheet, and cash flow statement with prior-period comparison — the management package you steer the company on. Past your first million, that should sit alongside SaaS metrics and a cash and runway view, all tied to the same close. Tax filings are a downstream output, not the report you run the business on.
Do you track SaaS metrics like ARR, CAC, and churn?
Yes. We report ARR, CAC, net revenue retention, gross margin, and burn multiple every month, tied to the underlying ledger rather than kept in a separate spreadsheet. Because the metrics and the financials come from the same close, they agree under scrutiny — a board question on one reconciles against the other.
How often do we get financials?
Every month. The close runs in 5–7 days, so a management package — financials, SaaS metrics, and a runway view — lands within the first week or two of the following month. That cadence is the point: you decide on numbers that are current, not figures that surface only at tax time.
Can investors rely on these numbers?
Yes. Every account reconciles to the dollar, revenue is recognized under ASC 606, and the SaaS metrics tie back to the ledger — so the figures hold up in a board meeting or a diligence review. We also keep a data room current between rounds, so an investor opens numbers that are already done, not assembled in a weekend.
How do you give a startup financial visibility?
We close the books monthly, attach the SaaS metrics to that close, and maintain a cash and runway view that updates with it. The result is a single monthly package — financials, metrics, and runway in one place — so the numbers behind your next hiring, pricing, or spend decision are current and tie to each other.
Do you report real gross margin and runway?
Yes. Gross margin is reported each month with revenue recognized correctly under ASC 606, so the figure reflects true economics, not cash timing. Runway updates with the close from a 13-week cash view — you see the constraint weeks before the bank balance shows it, while there is still room to act.
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.