See the cash crunch before it sees you.
Every month a CPA reads every line of your bank and card statements, then tells you what they mean. Before the bank does.
- Tests on every line
- 13
- Reports every period
- 02
- Years of CPA experience
- 25+
- Offices across Greater Philadelphia
- 03
P.02Read live
Seven lines. Four problems. $1,319.50 you could have kept.
Ten days of a café’s bank statement. Most owners would skim it. Scroll slowly, and watch what turns up when someone reads every line.
-
On the reviewer’s desk
Keep scrolling.
The green ruler reads one line at a time, the way we do. Anything wrong gets circled in red.
-
Finding 1 of 4
Paid twice.
−$1,284.50
Same supplier, same amount, four days apart. Ask Sysco to refund it.
Test 01 · Duplicate payments
-
Finding 2 of 4
Never paid before.
−$2,450.00
A first payment to J&R Kitchen Supply. Did someone approve it?
Test 09 · First-time payees
-
Finding 3 of 4
Overdrawn, and charged for it.
−$35.00
The balance fell $285.95 below zero and the bank took a fee. Without the double payment, it never would have.
Tests 02 + 03 · Fees, overdrawn account
-
Finding 4 of 4
Sales are slipping.
−18%
Card deposits are running behind August. Worth knowing before you order October’s stock.
Test 06 · Sales trend
-
Read complete
7 lines read4 problems found$1,319.50 you could have kept
Now imagine that every month, for every account you have.
Read my statements
After closing, nobody wants to read a bank statement.
P.03Your 27 days
The typical small business holds just 27 days of cash. If sales stopped tomorrow, that’s how long it could keep paying its bills.1
How many days does your cash buy?
Your cash covers 33 days and runs out around late November.
Thin cushion. One slow month or one big repair could push you into the red.
Your cash shrinks by about $2,500 a month. At this pace it runs out in about 21 months.
Our Low Cash alert fires when cash falls below one month of spending: $48,500 for you.
Worked out in your browser. Nothing you type leaves this page.
P.04What you get
Your bank statement says what happened. Our reports say what to do.
Each period, two documents land in your portal, checked and approved by our team before you see them. Drag the ruler to compare.
Document A
Bank Accounting report
The full picture: where the money came from, where it went, and what’s left.
- Money in and money out, by category
- Operating cash flow, ending cash and days of cash
- Trends against last period, and your top vendors
- The ratios lenders check: current, quick, debt-to-equity and DSCR
Document B
Bank Alert report
What needs you now, most urgent first.
- All 13 tests, and what each one found
- Ranked high, medium or for your information
- The exact transactions behind every alert
- Plain-English explanations, and a person to ask
P.05Tick-mark legend
13 tests on every line. Then a person reads it again.
Auditors mark what they have checked with tick marks. These are ours. All thirteen run on every statement, every period, and nothing reaches you until our team has approved it.
LegendTests performed
- Duplicate paymentsThe same amount to the same payee within a week
- Bank & card feesOverdraft, returned-item, late, interest and service charges
- Overdrawn accountAny day the balance fell below zero
- Low cashBelow your minimum, or under a month of spending
- LiquidityCurrent ratio under 1.5, or quick ratio under 1
- Sales trendSales deposits down more than 15%
- Spending trendSpending up more than 15%
- Expense spikesA category up 30% and $500 or more
- First-time payees$250 or more to someone you’ve never paid
- Unusual paymentsFar above a payee’s usual, or a large first payment
- Credit card balancesCharges outpacing payments
- Owner drawsDraws larger than the cash the business made
- Loan coverageOperating cash flow under 1.25× loan payments
P.06The client portal
Your whole money picture, in your pocket.
Upload, read and ask from your desk or your phone. Bring your team along; you decide what they see.
01
Snap it. We read it.
PDF or Excel statements; CSV, OFX, QFX and QBO downloads; or a phone photo of a paper statement. Our system reads it, and a person checks it.
02
Your numbers, always current.
Money in, money out, operating cash flow, ending cash, days of cash, trends and top vendors at a glance.
03
A checklist that does the chasing.
See exactly what’s still needed each period, with friendly reminders when something is missing.
04
Ask about any number.
Secure messages with our team, right next to your documents. No statements flying around in email.
05
Your team, your rules.
Add staff to upload documents. Reports, invoices and who has access stay with the owners.
06
Both reports, one tap away.
Your Bank Accounting and Bank Alert reports land here every period. We can also deliver categorized transactions as files ready for QuickBooks.
Coming soonConnect your bank once and transactions arrive on their own. Pay invoices by card, right in the portal.
P.07Grow
Questions owners ask at 2 a.m.
Answered in daylight, from the most honest record your business keeps: its bank statement.
Q.01
Why did sales dip in March?
Sales trends and variations, and the reasons behind every high and low.
Bank Accounting report
Q.02
Are we really making money?
Profitability, margins, and whether profit is turning into actual cash.
Bank Accounting report
Q.03
Where is all the money going?
Expense analytics by category and vendor, period over period.
Bank Accounting report
Q.04
How much cash should we keep?
Your cash needs by day, week, month and year, and a minimum never to go below.
Bank Alert report
Q.05
Lease it or buy it?
Lease-or-buy decisions for the equipment you use and the property you rent.
Ask your CPA
Q.06
Will the bank say yes?
Working-capital needs for an SBA loan, a line of credit or other financing, with the ratios lenders check.
Bank Accounting report
Q.07
Borrow short, or borrow long?
Whether a need calls for short-term or long-term funding.
Ask your CPA
Q.08
Open another location, or sell one?
Whether to keep, sell or buy more units, based on what each one really earns.
Ask your CPA
Q.09
Is idle cash costing us?
Idle capital measured against opportunities to earn more with it.
Bank Accounting report
Q.10
Is anything walking out the door?
Signs of customer or employee theft, inventory waste and breakage, and unauthorized payments.
Bank Alert report
Speak your banker’s language.
Every Bank Accounting report includes the ratios lenders look at, explained in plain English, so the next loan conversation starts with you prepared.
Current ratio
1.8
Banks typically look for 1.5 to 3.0
Quick ratio
1.1
We flag it below 1
Loan coverage (DSCR)
1.32
We flag it below 1.25
Debt-to-equity
0.6
Lower means less borrowed money
You run the business.
P.08How it works
Four lines. That’s the whole process.
No software to install and no bank to switch. A conversation, a secure portal, and a CPA who reads every line, every period.
File Tax OnTime
Bank Accounting
Receipt no. 0001
01Say hello on WhatsApp✓
Tell us about your accounts and cards. We’ll suggest a plan and quote it plainly.
02Get your secure portal✓
We set up your business. You sign in with two-step security and invite any staff.
03Upload each period✓
Statements, check register, POS printouts and ending inventory. The checklist shows what’s left.
04Read. Decide. Grow.✓
Both reports arrive in your portal. Questions? Message us right there.
*** Keep this receipt ***
We keep seven years of yours.
P.09Fee schedule
The only fee schedule you’ll enjoy reading.
Choose how often you want your reports. Every plan includes both reports and the client portal for you and your staff.
| Monthly | Quarterly | Annual | |
|---|---|---|---|
| Base fee | $150per month | $400per quarter | $900per year |
| Bank transactions included | 150 | 150 | 150 |
| Each additional bank transaction | $1.00 | $1.20 | $1.30 |
| Each credit card line item | $1.00 | $1.20 | $1.30 |
| Bank Accounting & Bank Alert reports | Every month | Every quarter | Once a year |
| Client portal for you and your staff | Included | Included | Included |
| Ask about a plan | Ask about monthly | Ask about quarterly | Ask about annual |
Rates are for routine business activities. Example: on the monthly plan, 210 bank transactions and 40 card line items come to $150 + $60 + $40 = $250 for the month.
P.10The fine print
The fine print, in large print.
Our CPAs bring more than 25 years of accounting and tax experience to businesses across Greater Philadelphia, from offices in King of Prussia, Philadelphia and Bensalem. The portal is held to the same standard as the advice.
- § 1
Two-step sign-in. Every account needs a code from an authenticator app, not just a password.
- § 2
Encrypted in transit. Everything travels over HTTPS, the same protection your bank’s website uses.
- § 3
Every upload virus-scanned. Files are checked for malware before anyone opens them.
- § 4
Owners decide who sees what. Staff can upload; reports, invoices and access stay with the owners.
- § 5
Seven years of records. Kept for seven years, then deleted for good.
- § 6
An audit trail. Who did what, and when, is on the record.
P.11Notes to the statement
Notes 1 to 9. Straight answers.
Anything else? Ask us on WhatsApp and a real person will answer.
Ask a questionNote 1What is bank accounting?
We turn your bank and credit card statements into a clear picture of your business each period: where money came from, where it went, how much cash you really have, and what needs attention. It’s built from the one record that can’t be fudged: your bank.
Note 2Do I need to change my bank or accounting software?
No. Keep your bank, your cards and your software. You upload statements to the secure portal, and soon you’ll be able to connect your bank directly.
Note 3What do I need to upload?
All bank statements, credit card statements if you have any, your check register or a list of checks written with their purpose, POS or register printouts, and your ending inventory in detail.
Note 4Which file types work?
PDF and Excel statements; CSV, OFX, QFX and QBO downloads from online banking; and scans or phone photos of paper statements.
Note 5What counts as a bank transaction?
Each line on your bank statement: a deposit, a payment, a fee or a transfer. Every plan includes 150. Credit card statements are priced per line item.
Note 6Is this the same as bookkeeping?
It works alongside it. Bookkeeping records what happened; bank accounting reads it for warnings and decisions. We can hand your categorized transactions to QuickBooks or to your bookkeeper, and our CPAs also offer bookkeeping and tax preparation.
Note 7Can my staff upload documents?
Yes. Add your office manager or bookkeeper as staff. They can upload everything we need, while reports, invoices and access stay with the owners.
Note 8How is my information protected?
Two-step sign-in on every account, encrypted connections, a virus scan on every upload and an audit trail. Records are kept for seven years, then deleted for good.
Note 9Where are you?
Offices in King of Prussia, Philadelphia and Bensalem, serving businesses across Greater Philadelphia. The portal works from anywhere.
EndEnd of statement
Your next cash crunch is already in your statements. Let’s find it first.
Prefer to talk? Call 215 831 1095. No obligation, just a conversation about your business.