Bookkeeping Services for Small Business Owners Accurate Books, Every Month
Bookkeeping services for small business owners who want accurate books without giving up their evenings. A dedicated team reconciles your accounts every month and delivers reports you can act on.
- Named teamAccountant and reviewer
- Monthly closeReconciled to the bank
- Tax readyYear end package
Big Accountants provides bookkeeping services for small business owners across the US. We record every transaction, reconcile your bank and card accounts each month and send you a clear profit and loss statement and balance sheet, so you always know where the business stands.
Most owners start doing their own books and stop once the business grows. Our small business bookkeeping services take that work off your desk without the cost of a full time hire, and keep your records to the standard the IRS expects in its recordkeeping guidance for small businesses.
- Every transaction recorded and categorised
- Bank, card and loan accounts reconciled
- Profit and loss statement and balance sheet
- A second accountant reviews every close
- A named contact during US business hours
Signs Your Small Business Needs a Bookkeeper
If two or more of these sound familiar, outsourcing your books will likely save you time and stress.
- You are doing the books at night or on weekends
- Bank balances and your accounting software do not match
- You only find out how the business performed at tax time
- Receipts and invoices pile up between catch up sessions
- Your tax preparer keeps asking for missing information
- A lender or investor wants financial statements you cannot produce quickly
Months behind already? Start with catch up bookkeeping services, then move to monthly bookkeeping.
What Our Bookkeeping Services for Small Business Include
Everything a growing business needs to keep accurate, reconciled books, delivered on a schedule we agree at onboarding.
Transaction categorisation
Every sale, expense and transfer recorded to a clean chart of accounts.
Monthly reconciliations
Bank, credit card and loan accounts reconciled to their statements.
Profit and loss statement
Monthly income and expenses, so you can see what the business earns.
Balance sheet
What the business owns and owes, accurate at every month end.
Cash flow summary
Where cash came from and where it went, in plain language.
Payables and receivables
Bills and customer invoices tracked, with aging reports when you need them.
Form 1099 vendor tracking
Contractor payments tracked through the year for Form 1099-NEC reporting.
Year end package
Reconciled books and reports ready for your tax preparer or our tax team.
The Real Cost of Doing Your Own Books
Bookkeeping always gets done by someone. The question is whether that someone is you, a new hire or a dedicated team.
- Doing it yourself costs hours you could spend on customers and growth
- Hiring in house adds salary, payroll taxes, benefits, training and cover for holidays
- Outsourcing gives you a reviewed team at competitive pricing, with no hiring risk
Small Business Bookkeeping Options Compared
Every option can work. The difference is who does the work, who checks it and what it costs you in time.
| Factor | Doing it yourself | Software alone | In house hire | Big Accountants |
|---|---|---|---|---|
| Who does the work | You | You, with automation | One employee | A dedicated team |
| Reconciliations | When there is time | Often skipped | Usually monthly | Every month, on schedule |
| Review of the work | None | None | Depends on the person | Second accountant on every close |
| Holidays and turnover | Work stops | Work stops | Work often stalls | Team based cover |
| Cost | Your time | Subscription plus your time | Salary plus benefits and payroll tax | Competitive fixed monthly fee, hourly or per task |
Software is a great tool, and we work inside it. What it cannot do is check its own categories, investigate differences or explain what the numbers mean.
How Our Small Business Bookkeeping Services Work
Switching is simple. We handle the setup so your first monthly close happens without disruption.
Free call
We learn about your business, accounts, software and the reports you want each month.
Review and setup
We review your current books, connect bank feeds and agree the scope and price in writing.
Monthly bookkeeping
Your team categorises transactions and reconciles every account, batching any questions into one message.
Reviewed reports
A second accountant reviews the month, then your reports arrive on the agreed date.
We work in QuickBooks Online, Xero and Zoho Books. Changing platforms? Our software setup and migration service moves your books for you.
Small Business Bookkeeping at Tax Time
Clean monthly books turn tax season into a handover rather than a scramble. The IRS explains that you must keep records supporting your income and deductions until the period of limitations for that return runs out, as set out in its guidance on how long to keep records.
- Year end package for your tax preparer
- Contractor payments tracked for 1099 reporting
- Records organised and retained digitally
- Direct handover to our business tax team
Prefer one team for everything? Our business tax preparation service works straight from your reconciled books.
This section is general information, not tax advice. Your tax preparer can confirm what applies to your business.
Small Business Bookkeeping Services Pricing
Pricing depends on your monthly transaction volume, the number of accounts and the reports you need. We quote after a free call, and our pricing is competitive.
One predictable price
Ongoing monthly bookkeeping for a set fee, agreed before work starts and reviewed only if your scope changes.
Pay for time used
Suited to seasonal or variable work, with time tracked and reported clearly every month.
Defined pieces of work
A set price for specific work such as a quarter of reconciliations or a year end package.
Prefer everything handled online? See our virtual bookkeeping services, with secure document sharing and monthly reviewed reports.
Industries and Software We Support
Our bookkeeping team works with small businesses in these sectors, on the platforms they already use.
- Ecommerce
- Healthcare
- Retail
- Wholesale
- Manufacturing
- Restaurants
- Construction and contractors
- Real estate and property management
- Accounting firms
- QuickBooks Online
- QuickBooks Desktop
- Xero
- Zoho Books
More Support as Your Business Grows
Catch up bookkeeping
Months or years of overdue books rebuilt and reconciled, with a fixed quote.
Virtual bookkeeping
Fully online bookkeeping with secure document sharing and reviewed reports.
Business tax preparation
Business returns prepared straight from your reconciled books.
Fractional CFO services
Budgets, forecasts and KPI reporting when you need senior support.
See all our accounting and bookkeeping services, part of our wider outsourced accounting services for US businesses.
Bookkeeping Services for Small Business FAQs
How much do bookkeeping services for small business cost?
Pricing depends on your monthly transaction volume, the number of bank and card accounts and the reports you need. We offer a competitive fixed monthly fee, hourly billing or per task pricing, and quote after a free call.
Does a small business need a bookkeeper or an accountant?
Most small businesses need both. A bookkeeper keeps transactions recorded and accounts reconciled every month, while an accountant uses those records for tax returns, planning and advice. We provide both through one team.
How often will my books be updated?
Transactions are recorded throughout the month and every account is reconciled at month end. Your reports arrive on a date we agree at onboarding.
Which accounting software do you use?
We work in QuickBooks Online, QuickBooks Desktop, Xero and Zoho Books. If you want to switch platforms, we can migrate your books as part of onboarding.
Can you work with my current CPA?
Yes. We keep your books reconciled through the year and send your CPA a year end package. If you prefer, our own business tax team can prepare the return.
What if my books are already behind?
We start with catch up bookkeeping to bring every account current, then move you to monthly bookkeeping from clean, reconciled numbers.
Do you track payments to contractors for Form 1099?
Yes. We track payments to contractors throughout the year so the information needed for Form 1099-NEC reporting is ready at year end.
Is my financial data secure?
Yes. We use role based access, multi factor authentication and encrypted document exchange, and we maintain a written information security plan as required for tax and accounting firms under the FTC Safeguards Rule.
Take the Books Off Your Plate
Tell us about your business, your accounts and the software you use. We will recommend a setup and send a clear quote.