Bookkeeping for owners who'll be checked
Buyers, lenders and their diligence teams will compare your books with your bank statements and your tax returns. We make sure they match first. Fixed prices, every change reviewed by a person.
CPAs and tax preparers: send us the clients whose books aren't ready. You get back a closed year in February, and the client stays yours. January is capped at 8.
See the Year-End CloseSale-Ready Books
A buyer's lender will usually want three years of tax returns and current interim financials, and will check that they agree. Four steps, each sold on its own, so you can stop after any of them.
A 12-point score, a plain-English findings memo, and a fixed price to fix what's wrong. Five business days.
Up to three years plus this year, reconciled to statements, tied to your filed returns, then closed and locked.
Monthly close, updated interims for the lender, and buyer questions answered within two business days.
For the buyer: new books built from the closing statement, live in week one, with the lender's covenant reporting set up.
We're a bookkeeping firm, not a CPA firm. No audits, reviews, quality of earnings reports, valuations or tax returns, and no opinion on your price. We make your numbers hold up, so the people checking them don't find surprises. Our fees never depend on your deal closing.
Route-Ready · FedEx ISP
Route buyers mostly use SBA loans, and the lender checks your books against FedEx's own settlement statements. Route-Ready Standard, $9,450, adds:
For business and route brokers
Send us the owners whose books won't hold up. They come back with a score, a fixed price and a clean package, and we never step on your deal.
We pay you $250 when the Scan is paid and $1,000 when a Cleanup is paid in full. Fees are paid on our collection, never tied to the deal closing.
No fee to you. Your seller gets the partner rate: $995 for the Scan and 15% off the Cleanup and Diligence Desk.
$250 when a buyer you introduce starts Buyer Day-One. And when our clients say they're thinking of selling, we send them to our partner brokers. No fee, ever.
Score 1 for every yes. 10 to 12 is GREEN, 6 to 9 is AMBER, 0 to 5 is RED. A "no" on question 4 is RED no matter what.
Scored RED or AMBER? Book a ScanLender-Ready Books · Real estate investors
For flippers and landlords: prove your track record, get draws through faster, and hand your CPA a clean year instead of a shoebox.
Every completed project, with purchase, rehab spend, sale, hold time and profit, tied to its closing statement. Lenders can verify your experience in minutes, and experience often drives your leverage and rate.
Each property tracked on its own, with budget vs. actual and receipts attached in QuickBooks. Your draw request is assembled before your lender asks, and the final numbers drop straight into your Track Record File.
A year of books reconciled and organized by property, with a purchase, improvements and sale schedule your CPA can work from. Start by January 15 to be ready for your CPA in February.
Monthly bookkeeping
Monthly books, closed and reconciled, at a fixed fee. Prices are starting points and go up with volume and complexity.
Categorized, reconciled books and monthly financials for a simple business.
Adds client trust or escrow accounts, contractor 1099s, class tracking by owner, route or location, and lender covenant reporting.
Multiple entities, consolidated reporting across them, and a monthly review call.
Your year reconciled and closed through December 31, with a clean package for your CPA: trial balance, P&L, balance sheet, 1099 list and an open-questions memo. Book by January 15 for a February handoff.
Behind by more than a year? Cleanup is quoted as a fixed price after we've looked at your accounts. We never quote blind.
I started on the floor of the New York Stock Exchange, earned an MS in Taxation at Hofstra, and spent three years at Deloitte. I studied management and entrepreneurship at Notre Dame's Mendoza College of Business.
I run Cross Bay from Belle Harbor, in Rockaway. We work inside your own QuickBooks with Intuit's tools, so volume work that used to take weeks takes days. I review every change before it's final.
When I'm not in the books, I'm coaching lacrosse.
No. If the books for a filed year are wrong, we document the difference. Any correction to a filed year goes through your CPA.
Yes. Intuit's QuickBooks tools do the volume work quickly, and a person reviews every change before it's final.
You, us, and whoever you choose to share the package with. We work inside your own QuickBooks, and our access ends with the engagement.
Yes. You open QuickBooks Online in your own name and we load your history from bank records. That's quoted as a Complex cleanup.
No. You pay for the work, whether or not the deal closes.
Fifteen minutes on the phone. You'll know whether you need a Scan at all.