Online business CPA

Online Business CPA

For SaaS, ecommerce, agencies, and creators — fully remote, multi-state, and modern.

Online businesses run on Stripe, Shopify, and remote payroll across a dozen states. An online business CPA reconciles every payment processor monthly, maps your post-Wayfair sales-tax nexus, runs multi-state payroll, and files entity tax (LLC, S-corp, or C-corp) so you keep more of every dollar.

Best for SaaS founders, Shopify and Amazon sellers, digital agencies, and full-time creators.

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Entity

Entity setup

Get the legal wrapper right before you raise. A startup CPA models entity types against your fundraising plan, files in Delaware, and protects QSBS from day one.

C-corp vs LLC vs S-corp modeling — tax, dilution, and fundraise-readiness side by side.
Delaware C-Corp incorporation, registered agent, and EIN (SS-4) handled in days, not weeks.
Foreign qualification in every state where you have employees, contractors, or material revenue.
QSBS qualification preserved from incorporation forward (5-year clock, asset tests, original issuance).
Founder stock grants with vesting, repurchase rights, and 83(b) filed inside the 30-day window.

Books

Bookkeeping setup

Accrual books built for investors and auditors — not a generic small-business template.

QuickBooks Online or Xero set up on accrual from day one — even pre-revenue.
Startup-grade chart of accounts: COGS, R&D, S&M, G&A split the way investors read your P&L.
Bank, credit card, Stripe, Shopify, and Ramp/Brex reconciliations tied out monthly.
Equity-compensation expense booked monthly so 409A and audit aren't a fire drill later.
Monthly close inside 10 business days — bank, payroll, revenue, and equity tied out.

SaaS

SaaS accounting

ASC 606 done right — deferred revenue scheduled per contract, recurring revenue rolled forward, retention reported cleanly.

ASC 606 deferred revenue scheduled per contract — not estimated at the invoice level.
MRR / ARR roll-forward with new, expansion, contraction, and churn detail.
Net revenue retention and gross retention cohort reporting investors can audit.
Contract assets, contract liabilities, and unbilled receivables tracked correctly.
Stripe payouts reconciled gross-of-fees, net-of-fees, refunds, and chargebacks.

Investors

Investor reporting

The monthly pack your board and investors expect — delivered in the first 10 business days of every month.

GAAP-leaning monthly P&L, balance sheet, and cash-flow statement tied to the bank.
Burn, runway, and cash position — refreshed every close and in the model.
KPI pack: MRR / ARR, NRR, CAC payback, gross margin, magic number, Rule of 40.
Board deck financial section drafted and reconciled to the books.
Cap-table tied to issued securities, 409A valuation, and equity-comp expense.

Payroll

Payroll setup

Founder pay, multi-state registration, equity exercises, and the R&D payroll-tax credit — coordinated, not siloed.

Gusto, Rippling, or Deel implementation and migration.
Founder payroll and reasonable-comp modeling (S-corp / C-corp specific).
State payroll-tax registration in every employee state — SUI rates, withholding, workers' comp.
Employee vs. 1099 classification reviewed so you don't get a state misclassification notice.
R&D payroll-tax credit claimed on Form 8974 against the federal employer portion.

83(b)

83(b) election support

A missed 83(b) is unfixable and can cost founders six or seven figures at exit. Your CPA owns the 30-day clock.

30-day clock from grant date — calendar-driven, not memory-driven.
Fair-market-value support based on 409A or transaction comps.
Certified-mail filing with IRS plus copy to the employer and personal tax return.
Founder grants, advisor grants, and early-employee restricted stock — same workflow.
Coordinated with QSBS, ISO/NSO planning, and AMT exposure.

Tax credits

R&D tax credit

Qualifying startups can offset up to $500,000/year in payroll taxes using the federal R&D credit — even pre-revenue.

4-part test documentation: permitted purpose, technological in nature, uncertainty, process of experimentation.
Qualifying wages, contractor R&D spend, and cloud compute used for development.
Federal R&D credit on Form 6765 with the payroll-tax election when eligible.
Up to $500K/year payroll-tax offset on Form 8974 — even pre-revenue.
§174 R&D capitalization (5-year domestic, 15-year foreign) handled on the income-tax return.

Calendar

Startup tax deadlines

The filings every Delaware C-Corp startup needs on the calendar. Miss Mar 1 and you trigger penalties and a bad-standing flag that complicates fundraising.

Date	Filing
Jan 31	W-2s and 1099-NECs to employees and contractors.
Mar 1	Delaware franchise tax + annual report (use assumed-par to lower the bill).
Mar 15	S-corp and partnership federal returns (1120-S, 1065).
Apr 15	Federal C-corp return (1120), Q1 estimated taxes, FBAR.
Apr / Jun / Sep / Jan	Quarterly estimated taxes for C-corps and pass-through founders.
Jul / Oct / Apr	Quarterly Form 8974 to claim R&D payroll-tax credit.
Oct 15	Extended C-corp return (1120) — best time to finalize R&D credit study.

Fundraising

Fundraising financials

What an institutional lead investor expects to find in your data room — and what your CPA or fractional CFO should produce by default.

Driver-based financial model with monthly P&L, balance sheet, and cash flow.
Runway scenarios — base, upside, downside — refreshed before every board meeting.
Data room: financials, tax returns, cap table, options, contracts, 409A, IP assignments.
Diligence Q&A managed end-to-end with the lead investor's associate.
Closing mechanics — wire instructions, equity issuance, and post-close bookkeeping.

Online business playbook

Accounting built for online and remote-first businesses

SaaS, ecommerce, agencies, and creators run on Stripe, Shopify, and remote payroll. The ten workstreams below are how a modern CPA handles all of it.

Pre-revenue startup accounting

Set books, payroll, and tax IDs up before the first dollar so you don't pay catch-up fees later.

Accrual chart of accounts even with $0 in revenue.
Delaware franchise tax, federal 1120, and registered-agent calendar from incorporation day.
R&D payroll-tax credit qualified from the first hire — not discovered at year three.
Founder 83(b) elections filed inside the 30-day window.

SaaS accounting

ASC 606 done per contract — not estimated at the invoice level.

Deferred revenue and contract assets scheduled per contract.
MRR / ARR roll-forward: new, expansion, contraction, churn.
Net and gross revenue retention by cohort.
Stripe payouts reconciled gross of fees, refunds, and chargebacks.

Ecommerce accounting

Shopify, Amazon, and multi-channel sellers handled with real inventory and sales-tax discipline.

Shopify, Amazon, Stripe, and PayPal reconciled to the bank monthly.
Inventory valued (FIFO or weighted average) with landed-cost tracking.
Post-Wayfair sales-tax nexus mapped state-by-state; Avalara / TaxJar configured.
Returns, refunds, and gift-card liability tracked correctly.

VC-backed startup bookkeeping

Investor-grade books from the seed round forward — closed and circulated inside 10 business days.

GAAP-leaning monthly P&L, balance sheet, and cash-flow tied to the bank.
Equity-compensation expense booked monthly (no year-end surprise).
409A and cap-table reconciled to the ledger.
Investor update pack drafted from the close — burn, runway, KPIs.

R&D tax credit

Federal §41 credit, the pre-revenue payroll-tax offset, and §174 capitalization handled together.

Four-part test documentation: purpose, technological, uncertainty, experimentation.
Qualifying wages, contractor R&D spend, and cloud compute identified.
Form 6765 credit with the payroll-tax election when eligible.
Up to $500K/year payroll-tax offset claimed on Form 8974.
§174 R&D capitalization (5-yr domestic, 15-yr foreign) on the 1120.

83(b) elections

A missed 83(b) is unfixable and routinely costs founders six or seven figures at exit.

30-day clock from grant date — calendar-driven, not memory-driven.
Fair-market-value support from 409A or transaction comps.
Certified-mail filing to the IRS plus employer + personal-return copies.
Same workflow for founders, advisors, and early-employee restricted stock.

Founder payroll

Reasonable comp, multi-state registration, and equity exercises — coordinated, not siloed.

S-corp reasonable comp modeled against distributions.
Multi-state payroll-tax registration (SUI, withholding, workers' comp).
Gusto, Rippling, or Deel implementation and migration.
ISO/NSO exercises and AMT exposure modeled before the year-end window.
1099 vs W-2 classification reviewed to avoid state misclassification notices.

Delaware C-Corp accounting

Most venture-backed startups are Delaware C-Corps — they have their own filing calendar and traps.

Delaware franchise tax + annual report by March 1 (use assumed-par to lower the bill).
Federal Form 1120 by April 15 (or extended to October 15).
Registered agent and Delaware mailing address maintained.
Foreign qualification in every state where you have employees or material revenue.
QSBS qualification preserved from incorporation (5-yr clock, asset tests, original issuance).

Monthly close checklist

A repeatable close inside 10 business days — the cadence investors and auditors expect.

Bank, credit card, Stripe, Shopify, and Ramp/Brex reconciliations tied to the ledger.
Payroll and benefits accruals posted, including bonus and PTO.
Deferred revenue, prepaids, and accrued expenses scheduled and rolled.
Equity-compensation expense, depreciation, and amortization booked.
Variance review against budget; flux memo attached to the close.

Fractional CFO upgrade path

When the books are clean, the next dollar of finance spend should buy strategy — not data entry.

Triggers: $1M ARR, post-seed, starting a priced round, or first audit.
Driver-based model with base / upside / downside runway scenarios.
Board pack, KPI dashboards, and monthly investor update owned end-to-end.
Fundraise diligence: data room, Q&A, lead-investor coordination.
Clean handoff path to a full-time VP Finance / CFO at Series B+.

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Specialists vetted on R&D credit, ASC 606, equity compensation, and investor reporting.

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Tell us your stage, sector, and fundraising plan. We'll match you to vetted startup CPAs and accounting firms who already do this work.

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FAQ

Startup CPA frequently asked questions

What's an online business CPA?

An online business CPA specializes in fully remote, multi-state companies — SaaS, ecommerce, agencies, and creators — and is fluent in Stripe / Shopify / Amazon reconciliations, post-Wayfair sales-tax nexus, remote payroll across states, and entity tax for LLCs, S-corps, and C-corps.

Do I need a CPA in my state if my business is online?

Usually no. Most online businesses work with a virtual CPA who is licensed in any state and qualified to file federal and multi-state returns. What matters is the CPA's experience with your platforms (Stripe, Shopify, Amazon) and your sales-tax footprint, not their zip code.

How do online businesses handle sales tax across states?

Post-Wayfair, every state sets its own economic-nexus thresholds (commonly $100K in sales or 200 transactions). A good online business CPA maps your nexus, registers you in each state, and configures Avalara, TaxJar, or Stripe Tax to collect and remit correctly.

When should a startup hire a CPA?

Engage a startup CPA before incorporating or right after closing a pre-seed or seed round. Waiting until tax season usually means catch-up bookkeeping fees and missed R&D credits worth up to $500K/year in payroll-tax offset.

How much do startup accounting firms charge?

Pre-revenue startups typically pay $400–$1,500/month for bookkeeping and tax. Seed-stage runs $1,500–$4,000/month bundled with controller work. Series A+ companies usually pay $4,000–$15,000/month including fractional CFO, audit prep, and R&D credit studies.

What is an 83(b) election and why does it matter?

An 83(b) election lets founders and early employees pay ordinary-income tax on the value of restricted stock at grant — when it is usually near zero — instead of as it vests. You must file it with the IRS within 30 days of the grant date. Missing the 30-day window is unfixable and can cost founders six or seven figures at exit.

Can a startup CPA file the R&D tax credit?

Yes. A strong startup accounting firm files the federal R&D credit, claims the pre-revenue payroll-tax offset (up to $500K/year on Form 8974), and handles §174 R&D capitalization on the income-tax return. Ask for redacted past R&D credit studies before signing.

What financial reports do investors expect each month?

An investor update typically includes an accrual P&L, balance sheet, cash flow, burn and runway, cash position, MRR/ARR (for SaaS), and a brief KPI commentary. Your CPA should deliver this pack within 10 business days of month-end.

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