01
Monthly Bookkeeping
We reconcile your accounts, categorize transactions, and deliver clean financial statements by the 15th of every month. Fixed monthly pricing. No surprises.
Bookkeeping · Cleanup · Loan Advisory
Stop doing your own bookkeeping.
Remote QuickBooks Online bookkeeping for service businesses.
Get your weekends back. We handle your QuickBooks so you get accurate monthly financials, a stress-free tax season, and lender-ready books when you need them.
Trusted by small business owners across the US
40+ Years Banking ExperienceCertified QuickBooks ProAdvisors
How we help
Three ways we help.
02
Cleanup Bookkeeping
Behind on your books? We'll get your QuickBooks file current, fix miscategorized transactions, and deliver CPA-ready financials. Most cleanups take 4 to 6 weeks.
03
Loan Advisory
Need financing? We prepare your financial statements, build your loan package, and guide you through what lenders need to see. 40 years of banking experience on your side.
Client stories
What our clients say.
I was 8 months behind and dreading tax season. CreditReady cleaned up my books in 6 weeks. I can finally see where my money is going.
Rachel M.
Residential cleaning
$780K revenue4 employees
I used to spend every Saturday doing bookkeeping. Now I get a clean financial summary by the 15th. My CPA said it was his smoothest tax filing ever.
Marcus T.
HVAC company
$1.3M revenue8 employees
My bank turned me down because I didn't have current financials. They got my books right, built my loan package, and I was approved for $120K in six weeks.
Denise W.
Landscaping company
$1.6M revenue11 employees
Why local businesses choose us
Built for owners who’d rather run their business.
Highly Expert Team
Skilled professionals delivering accurate, reliable, and personalized bookkeeping service.
Responsive Support
Friendly, responsive support that answers your questions quickly and clearly — without jargon.
Competitive Pricing
Affordable, transparent pricing designed to give you real value without compromising on quality.
Our Core Services
Bookkeeping that pays for itself.
From daily transactions to year-end filings — our services are built for real-world Houston businesses that want peace of mind and financial clarity.
01
Monthly Bookkeeping
Daily, weekly, and monthly tracking of income and expenses so your books are accurate and tax-ready.
- Transaction categorization
- Bank & credit card reconciliation
- Monthly financial reports
- QuickBooks setup & training
02
Financial Cleanup & Catch-Up
Behind on your books? We rebuild clean records fast — judgment-free — whether you're two months behind or two years.
- Historical reconciliation
- Chart of accounts fix-ups
- Error correction from prior bookkeepers
- Process to keep you organized
03
Loan Advisory
Guidance from a 40+ year banking veteran. We prepare your books, financials, and story so lenders say yes — SBA, conventional, lines of credit, and equipment financing.
- Lender-ready financial statements
- Debt service coverage & cash flow analysis
- Loan package preparation and review
- Banker introductions & negotiation support
Certified & Credentialed
What Makes CreditReady DifferentNot just a bookkeeper.
Not just a bookkeeper.
A long-term financial partner.
I
Affordable Expertise
Transparent pricing built for small business budgets. Expert-level support without the full-time salary.
II
Proactive Support
Insights and recommendations as you grow — from prepping for a bank loan to major business decisions.
III
Relationship-Driven
Clients stay with us year after year because we stay involved, responsive, and committed to their success.
Meet the Team
Decades of banking, accounting, and small business expertise.
Douglas Caire
Founder · Certified QuickBooks ProAdvisor
A seasoned accounting and banking professional with 40 years in banking, Douglas has spent his career helping small business owners structure financial operations to secure loans and access working capital.
He earned his Financial Accounting certification from Harvard Business School Online in December 2023 — a reflection of his commitment to staying ahead in an ever-evolving financial landscape.
Alex Caire
Senior Financial Analyst · B.S. Accounting, UNO · Fully Certified QuickBooks ProAdvisor
A decade-plus of expertise in accounting and financial consulting. Alex built his foundation at Postlethwaite & Netterville (P&N) — one of the Gulf Coast's largest CPA firms — as a Senior Financial Analyst.
Today he delivers monthly bookkeeping powered by QuickBooks Online: financial reporting, tax prep support, expense tracking, and bank reconciliations for small and mid-sized businesses. He is also a fully certified QuickBooks ProAdvisor.
Monthly Bookkeeping Pricing
Transparent packages. No surprises.
Every plan includes your QuickBooks subscription. Annual pricing available for additional savings.
Ledger
For new businesses
$150/month
- Bank feeds & reconciliation
- Transaction categorization
- Chart of accounts management
- General ledger access
- Quarterly financial reports
- Audit log
* Includes your QuickBooks subscription
Most Popular
Essentials
For small businesses
$475/month
- Everything in Ledger, plus:
- Invoicing & payments
- Bill & expense management
- Sales tax tracking
- Financial reports
- Multi-user access (up to 3)
* Includes your QuickBooks subscription
Customized
For growing businesses
$850/month
- Everything in Essentials, plus:
- Accounts receivable management
- Project profitability tracking
- Class & location tracking
- Budgeting & forecasting
- 1099 contractor management
* Includes your QuickBooks subscription
Industries we serve
Health & Wellness
Contractors & Home Services
Real Estate & Investors
Retail & E-Commerce
Legal Firms
Serving Greater Houston
Local partners across Southeast Texas.
As a locally owned firm, we know the Texas business landscape. We serve clients throughout Montgomery County, Harris County, and surrounding cities.
Houston
Tomball
The Woodlands
Spring
Katy
Cypress
Conroe
Magnolia
How It Works
Four steps to books that work for you.
- 01
Free Consultation
A no-obligation review of where your books stand today and what a lender or CPA will see.
- 02
Cleanup or Set-Up Plan
A fixed-scope roadmap to bring your records current — whether that's catch-up or fresh QuickBooks set-up.
- 03
Monthly Rhythm
Ongoing bookkeeping and reconciliation so your data stays current and your reports arrive on time.
- 04
Growth & Funding Support
Financials structured to secure business loans and working capital when you need them.
Frequently Asked
Answers before you ask.
How quickly can you clean up my books?+
Most cleanup engagements take 2–6 weeks depending on the number of accounts and years involved. We give you a fixed scope and timeline before we start.
Do you work directly with my CPA?+
Yes. We coordinate directly with your CPA at tax time and structure your financials to meet the rigorous requirements of lenders when you're seeking working capital.
What does monthly bookkeeping cost?+
Our Ledger tier starts at $150/mo for new businesses, Essentials is $475/mo, and Customized Solutions is $850/mo. Every package includes your QuickBooks subscription.
Do you serve businesses outside Houston?+
We serve the entire Greater Houston metro including The Woodlands, Tomball, Spring, Katy, Cypress, Conroe, and Magnolia — plus remote clients across Southeast Texas.
Are you QuickBooks certified?+
Yes — Douglas Caire is a Certified QuickBooks ProAdvisor with Level 1, Level 2, and Payroll certifications. Alex Caire is also a fully certified QuickBooks ProAdvisor. We work across QuickBooks Online and Desktop.
Can you help me structure my books for a business loan?+
That's a core part of what we do. Douglas spent 40 years in banking helping small businesses structure financials to secure loans and working capital.
Free Financial Tools
Run your numbers in minutes.
The same methods we apply in professional engagements — simplified so you get a straight answer fast. Built for Houston business owners.
10 Questions, 3 Minutes
Business Health Check
Get a graded snapshot of your financial health across books, cash, profit, debt, and controls — plus the three fixes that matter most.
Get my grade
Cash Flow
Cash Flow Calculator
See your net monthly cash flow, your reserve cushion, and where your bank balance is headed over the next six months.
Project my cash
Financing
Loan Affordability (DSCR)
How much can your business actually borrow? Uses the same debt service coverage method lenders apply in underwriting.
Check my borrowing power
Pricing & Profit
Break-Even Calculator
Find the exact sales volume and revenue line where your business starts making money — and how far sales can fall before losses.
Find my break-even
Bookkeeping
True Cost of DIY Bookkeeping
Doing your own books feels free. Put a real number on the hours, errors, and missed deductions — then compare.
See my real cost
Construction
Job Profitability Calculator
Is that job actually making you money? Includes the overhead allocation most contractors forget — plus your break-even bid price.
Check this job
Law Firms
IOLTA Compliance Check
Ten questions covering the trust account controls bar auditors actually check — from three-way reconciliation to record retention.
Check my trust account
Let's Get Your Books in Order
Ready when you are.
Tell us a bit about your business and we'll reply within one business day with next steps — no obligation, no sales pressure.
Based in Southeast Texas
Certified QuickBooks ProAdvisors