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
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.
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.
| Role | New York City / California / Major Metro In-House | Debit & 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 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.
THE DELIVERY MODEL
Human judgment. AI infrastructure.
AI handles the transaction volume internally — categorization, reconciliation prep, data pulls — so our team spends their time on review and judgment instead of data entry.
Tasks AI automates
- Transaction categorization at volume
- Anomaly and duplicate detection
- Automated reconciliation matching
- Reporting and variance summaries
- AP workflow automation
Functions we own
- Judgment calls on ambiguous transactions
- GAAP compliance review and sign-off
- Strategic CFO-level interpretation
- Diligence and board-pack preparation
AI readiness assessment, included.
For clients who want to automate further — expense reporting, cash flow modeling, AP workflows — we scope and implement it as part of the retainer. No separate technology project required.
Who’s on your account
Founder-level oversight on every close cycle.
Aaron and Kevin personally review every account on each close cycle. No delegation, no junior proxies.
Founding Partner & Senior Controller
Aaron Ressel
25+ years of senior controller seats inside operating B2B businesses. Aaron reviews every monthly close packet for accuracy and turning messy ledgers into reliable financial data.
Founding Partner & CFO
Kevin Cahill
25+ years of CFO seats inside operating B2B businesses. Kevin generates monthly insight beyond compliance reporting and translating reconciled numbers into operating decisions.
Built for companies like this.
We turn down engagements that aren’t the right fit. The questions below tell us — and you — whether this is worth a conversation.
Good fit
- B2B company with $15M–$80M in revenue
- Books are 3+ months behind, or recent staff turnover in accounting
- Current outsourced firm is falling behind or underdelivering
- PE-backed or actively preparing for diligence or exit
- Headquartered in a high-cost metro — New York, California, Tampa, Austin
- Leadership wants strategic insight, not just compliance reporting
Not the right fit
- Personal tax returns or individual filings
- Businesses under $2M in revenue
- Companies whose primary need is audit or tax preparation
- Organizations that can’t provide read access to financial accounts within 2 weeks of signing
Common questions, answered.
How quickly can you start?
Most clients are onboarded within two weeks of signing. The Foundation phase begins immediately — work begins Day 1, not Day 30. No ramp period where you’re paying and waiting.
Is the CFO role real strategic work, or just oversight?
Real. Aaron Ressel (Senior Controller) and Kevin Cahill (CFO) personally review every client. No junior review with a senior signature — the people who built the firm read your financials each cycle.
What happens to the software we already use?
We work around your systems — QuickBooks Online, NetSuite, Xero, Bill.com, and most major platforms. We tailor the workflow to what you already have in place. No forced migrations.
How is this actually priced?
Engagements start at $10,000–$15,000 per month, scoped to the complexity of your books. Most clients land somewhere in that range depending on transaction volume, entity count, and reporting requirements.
Three roles. One engagement.
Ready in two weeks.
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.