01
Bookkeeping
Accurate, reconciled books every month. The foundation for every tax return, loan application and business decision.
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Best for: owners doing their own books, or whose books are behind, who need them done right and done monthly.
WHAT’S INCLUDED
Bank, credit card and loan reconciliations
Transaction categorization in QuickBooks Online
Monthly P&L and balance sheet
Sales tax review and filing support
Payroll processing
Bill pay and invoicing (AP / AR)
Year-end package for your CPA
02
Fractional Controller
Everything in Bookkeeping, plus a disciplined month-end close, cash visibility and reporting you can run the business on.
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Best for: businesses with payroll, inventory, multiple entities or lenders, where cash timing and accuracy really matter.
WHAT’S INCLUDED
Month-end close with accruals and adjustments
Weekly cash flow forecast and funding requests
Monthly executive financial report with KPIs
Payroll and AP / AR review
Internal controls and approval workflows
Coordination with your CPA, bank and lenders
03
Fractional CFO
Everything in Controller, plus the forward-looking work: plans, forecasts and the hard calls, made with real numbers.
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Best for: owners planning growth, raising capital, taking on debt, or making a big pricing or hiring decision.
Annual budget and rolling 12-month forecast
Cash runway and scenario planning
Pricing, margin and supplier cost analysis
Lender, investor and board reporting
Monthly strategy meeting with the owner
Input on hiring, expansion and capital decisions
WHAT’S INCLUDED
04
Other services
One-time projects to get your business set up right, caught up, or ready for what's next.
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Quoted per project. We handle the filings and registrations and coordinate with your attorney or CPA on entity choice and agreements.
PROJECTS WE HANDLE
Catch-up and cleanup of past months
LLC and corporation filings with the state
EIN and state tax registrations
QuickBooks Online setup
Payroll setup
1099 preparation
Loan and lender packages
Compare at a glance
INCLUDED
Bookkeeping
Monthly reconciliations & statements
Sales tax support
Month-end close with accruals
Cash flow forecasting
Executive financial report & KPIs
Budget & rolling forecast
Lender, investor & board reporting
Monthly strategy meeting
​✓
✓
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CFO
✓
✓
✓
✓
​✓
✓
✓
✓
✓
✓
✓
✓
✓
Controller
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Common questions
Do you work with businesses outside Texas?
Yes. Penny & Proof is based in Texas and works with clients nationwide. Everything runs in the cloud, with video calls when we need to talk.
My books are behind. Can you still help?
Yes. Most new clients start with a catch-up and cleanup. We get the history right first, then move to a regular monthly close.
Do you prepare tax returns?
We keep your books tax-ready and work directly with your CPA, so filing is fast and clean. Need a CPA? We can introduce you to one.
Can I start with bookkeeping and move up later?
That’s exactly how it’s designed. Change levels whenever the business needs it — no new firm, no re-onboarding.