Small Business CPA Services

Small Business CPA Services

Verified CPAs for LLCs, S-corps, online businesses, and growing small businesses. Bookkeeping, payroll, entity tax, R&D credit, and founder advisory under one engagement.

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Startup-grade playbook

Startup-grade accounting for small businesses

Even if you never raise, the ten workstreams below — SaaS / ecommerce revenue, R&D credit, founder payroll, Delaware filings — are how serious small businesses run finance.

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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What clients say

Real reviews from real engagements

Every CPA on the directory can collect verified reviews from clients after an engagement.

"Filed my first S-corp return without a single headache. The CPA we found explained every line and saved us several thousand in self-employment tax."
Jordan M. · Small business owner
"Verified license, real reviews, free consult on the calendar in under a day. Way better than cold-Googling firms."
Priya S. · Tech founder
"Found a Spanish-speaking CPA in our city who specializes in restaurants. Tip credit and FICA work paid for the engagement twice over."
Mateo R. · Restaurant operator

City directory

Top metro areas

Connect with verified CPAs in the biggest U.S. business hubs.

Houston, TX

Houston CPAs serve energy, healthcare, and the city's vast small-business community.

Dallas, TX

Dallas accounting firms anchor finance, real estate, and corporate headquarters across DFW.

Los Angeles, CA

LA's accountants specialize in entertainment, real estate, and creative-industry tax planning.

San Francisco, CA

San Francisco CPAs serve startups, venture-backed companies, and complex equity-comp clients.

New York City, NY

NYC's accountants cover Wall Street, media, real estate, hospitality, and the small businesses of all five boroughs.

Miami, FL

Miami's CPAs specialize in international tax, real estate, hospitality, and Latin American business.

Chicago, IL

Chicago accountants serve professional services, manufacturing, logistics, and the Midwest's largest corporate base.

Atlanta, GA

Atlanta's CPAs support film, fintech, logistics, and one of the country's most dynamic small-business scenes.

Boston, MA

Boston-area accountants serve life sciences, higher education, financial services, and innovation-economy startups.

Seattle, WA

Seattle CPAs serve tech, aerospace, and the Pacific Northwest's deep entrepreneurial bench.

Washington DC, DC

Washington DC accountants serve federal contractors, nonprofits, associations, and the law firms that anchor the capital's economy.

Baltimore, MD

Baltimore CPAs serve healthcare systems, port and logistics operators, biotech, and the city's deep nonprofit and higher-ed community.

Richmond, VA

Richmond CPAs serve Fortune 500 headquarters, banking and insurance, tobacco-to-tech manufacturers, and Virginia's state-capital legal and government economy.

Birmingham, AL

Birmingham CPAs serve banking, healthcare, steel, and the Magic City's small-business economy.

Anchorage, AK

Anchorage CPAs serve oil and gas, fisheries, federal contracting, and the state's tourism economy.

Phoenix, AZ

Phoenix CPAs serve semiconductors, real estate, healthcare, and one of the country's fastest-growing small-business markets.

Little Rock, AR

Little Rock CPAs serve healthcare, logistics, agriculture, and the state's government and legal economy.

Denver, CO

Denver CPAs serve tech, aerospace, cannabis, and the Front Range's outdoor and energy economies.

Hartford, CT

Hartford CPAs serve insurance, reinsurance, manufacturing, and the broader Connecticut River Valley economy.

Wilmington, DE

Wilmington CPAs serve banking, corporate trust, pharma, and the Fortune 500 entity-formation economy.

Honolulu, HI

Honolulu CPAs serve tourism, military contracting, real estate, and the islands' small-business community.

Boise, ID

Boise CPAs serve tech, agriculture, manufacturing, and a fast-growing relocation-driven small-business economy.

Indianapolis, IN

Indianapolis CPAs serve manufacturing, life sciences, logistics, and motorsports.

Des Moines, IA

Des Moines CPAs serve insurance, agribusiness, biofuels, and the state's growing tech economy.

Wichita, KS

Wichita CPAs serve aviation, aerospace, energy, and agriculture.

Louisville, KY

Louisville CPAs serve bourbon, equine, automotive manufacturing, healthcare, and logistics (UPS Worldport).

New Orleans, LA

New Orleans CPAs serve maritime, tourism, oil and gas, and the city's film and hospitality economies.

Portland, ME

Portland CPAs serve tourism, fisheries, forestry, and the state's growing remote-work and craft economies.

Detroit, MI

Detroit CPAs serve automotive, mobility, healthcare, and the broader Southeast Michigan manufacturing base.

Minneapolis, MN

Minneapolis CPAs serve Fortune 500 headquarters, medical devices, agribusiness, and finance.

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