LedgerAverage tax savings recovered
per client, first year
Hours saved per month
on bookkeeping tasks
Clients with zero late-filing penalties
since onboarding with us
Your books should work this hard.
Two accountants. One firm. Every receipt, filing, and cash-flow question your business has been avoiding — resolved.
Shoebox receipts and Square deposits that never match.
You know money came in and money went out. But which flour invoice maps to which Square batch? Which Home Depot run was the business, and which was the backyard project? The shoebox grows. Reconciliation feels impossible.
FLOUR — 50 LB BAG
$42.80
Mar 4, 2024
SQUARE DEPOSIT
+$318.00
Mar 4, 2024
UTILITY BILL
$189.40
OVERDUE
CATERING SUPPLIES
$94.20
NO CATEGORY
PERSONAL — GROCERIES?
$67.50
MIXED ACCOUNT
Unreconciled
47 items
Every transaction placed. Every penny accounted for.
We connect your accounts, categorize every transaction, and build a clean ledger you can actually read. No more guessing whether that deposit was revenue or a reimbursement. Your books close every month — on time, every time.
Flour — 50 lb (COGS)
Cost of Goods
-$42.80
Mar 01
Square Deposit
Revenue
+$318.00
Mar 04
Utility Bill
Operating Expense
-$189.40
Mar 07
Catering Supplies
COGS
-$94.20
Mar 09
Personal Groceries
Owner Draw ✓
-$67.50
Mar 12
Cash Flow — March
Time saved
23 hrs
this month alone
Service: Monthly Bookkeeping
Three missed quarterly estimates and an IRS notice in the mail.
Quarterly estimated taxes are easy to forget when you're running a landscaping crew or fulfilling catering orders. One missed quarter becomes three. Then the CP14 notice arrives, and the penalties compound faster than the original bill.
Balance Due Notice
Unpaid estimated tax — Q3 2024
$2,340.00
+ Penalty: $187.20 | + Interest: $43.80
Due: 30 days from notice date
Q1
MISSED
Q2
MISSED
Q3
MISSED
Q4
N/A
3 of 4 quarterly filings missed
Every quarterly filing submitted early. $0 in penalties.
We track your quarterly deadlines, calculate your estimates based on real YTD income, and file before the due date — every quarter. Our clients have a 98% penalty-free filing rate since onboarding. Not because we're lucky. Because we plan.
2024 Quarterly Filings
All Submissions Complete
Q1 2024
Filed Apr 12 · Due Apr 15
$1,840
✓ FiledQ2 2024
Filed Jun 11 · Due Jun 15
$2,210
✓ FiledQ3 2024
Filed Sep 10 · Due Sep 15
$1,975
✓ FiledQ4 2024
Filed Jan 13 · Due Jan 15
$2,340
✓ FiledPenalties avoided
$0.00
100% on-time filing rate since onboarding
Service: Quarterly Tax Filing
Personal and business funds commingled since launch. Audit exposure everywhere.
Many small business owners launch before they set up a business account. A year later, personal and business transactions are woven together across one Chase debit card. The IRS calls this commingling — and it's the fastest path to an audit flag.
Account Overview — Dec 2024
Personal Netflix
-$17.99
Business Insurance
-$340.00
Family Dinner
-$89.40
Equipment Rental
-$520.00
Home Depot — Lawn
-$234.80
Audit Risk: HIGH
Personal and business funds commingled across 47 transactions
Clean separation, documented deductions, audit-ready from day one.
We untangle the history, separate every transaction, document every deductible expense, and produce year-end financials your CPA (or the IRS) can follow without questions. We found an average of $6,840 in missed deductions in year-end cleanups last year.
Year-End Report — 2024
Audit-Ready Documentation
Business Expenses
$18,420
Owner Draws
$4,240
Tax-Deductible
$14,180
Deductions found
$6,840
Audit risk
MINIMAL
All receipts documented · Accounts separated · Returns filed
Service: Year-End Cleanup & Tax Prep
The Small Business
Tax Checklist
10 things your accountant checks every year that most small business owners miss. Download it free — no strings, no sales call required.
- Q1–Q4 estimated tax due dates
- Deductible home office calculation
- Vehicle mileage log requirements
- Contractor 1099 thresholds ($600 rule)
- Retirement contribution deductions (SEP-IRA)
- Business meal documentation rules
- Depreciation vs. expense for equipment
- Self-employment tax deduction
- Health insurance premium deduction
- Year-end payroll reconciliation checklist
Get your free copy
Three fields. Instant access. No spam.
Book a Free
15-Minute
Books Review
Bring your messiest question — a shoebox of receipts, an IRS notice, a bank statement you've been avoiding. We'll tell you exactly what needs to happen next. No pitch. No obligation.
15 minutes
Focused, no fluff
Bring anything
Receipts, notices, questions
Confidential
Your numbers stay private
Select a Time
February 2026
Available Times — Mon, Feb 24
A calendar invite will be sent to your email immediately.
Real businesses. Real numbers.
No invented case studies.
These are the kinds of outcomes we produce for small businesses like yours — specific, measurable, documented.
Sunrise Bakery & Café
Retail / Food Service · Portland, OR
$9,240
deductions recovered
Untangled 14 months of mixed Square deposits and flour invoices.
$9,240 in missed deductions found in year-end cleanup.
Marcus Delgado
Freelance Contractor · Austin, TX
$0
in late-filing penalties
Separated personal and business accounts. Filed 3 missed quarters without penalty.
Zero penalties. First clean set of books since launch in 2021.
Greenline Landscaping
Trades / Landscaping · Nashville, TN
22%
margin improvement in year 1
Crew of 6. No margin visibility. Now closes books monthly.
Identified $1,840/month in unbilled labor costs. Raised rates.
Chen Family Alterations
Service Business · Chicago, IL
$12,847
tax savings recovered
Three years of cash transactions with no formal bookkeeping.
$12,847 in tax savings through proper deduction documentation.
About Ledger
Two accountants. One firm. 100% focused on small businesses under $2M revenue.
8+
Years combined
120+
Clients served
100%
Small business