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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
Bookkeeping Services for Houston Small Businesses
A Houston bookkeeper for small business owners — QuickBooks Online, done monthly.
Get your weekends back. We handle your QuickBooks so you get accurate monthly financials by the 15th, a stress-free tax season, and lender-ready books the week your bank asks for them. Serving Houston, Katy, Cypress, Spring, Sugar Land, Tomball, and The Woodlands.
Trusted by small business owners across the US
40+ Years Banking ExperienceCertified QuickBooks ProAdvisors
Sound familiar?
The bookkeeping headaches Houston business owners deal with
You spend your weekends on QuickBooks.
Saturday mornings should be yours. Not your bookkeeper's.
Your bank said no because your financials weren't ready.
Lenders want clean books, current statements, and a clear story. We build all three.
You're not sure if your business is actually profitable.
Revenue is up but your bank balance doesn't show it. We find out why.
Tax season makes you nervous.
Because you're not confident your books are right. We fix that before your CPA ever sees them.
How we help
Three ways we help.
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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.
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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.
Read the SBA Loan Bookkeeping Guide →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
Your books should work as hard as you do.
Get a Free ConsultationWhy local businesses choose us
Built for owners who’d rather run their business.
Your books are handled by a QuickBooks ProAdvisor and a 40-year banking veteran — the same pairing that gets a loan package approved.
Statements by the 15th
Your P&L, balance sheet, and cash flow land in your inbox by the 15th of the following month — reconciled, not “close enough.” Questions in between get a reply within one business day.
Flat monthly fee, quoted up front
We quote one fixed monthly price after a free file review — no hourly meter, no surprise invoices. Cleanup is scoped separately at a flat fee before any work starts.
Lender-ready, reviewed by a banker
Every file is built to survive underwriting: clean chart of accounts, a complete debt schedule, and DSCR calculated the way a credit officer would — informed by 40 years in commercial banking.
- Cleanup: 2 months to 2 years of back books
- Most catch-up files are current within 2–4 weeks of receiving bank access. See how catch-up bookkeeping works.
- Pricing you can check before you call
- Published monthly package ranges and benchmark data, not “contact us for a quote.” View pricing.
- Loan packages built to underwriting standards
- Interim statements, book-to-tax reconciliation, debt schedule, and a 13-week cash flow forecast. Lender-ready financials.
- QuickBooks Online ProAdvisor certified
- Certified in QuickBooks Online, Payroll, and Advanced Bookkeeping — your file stays in software your CPA and lender already accept.
Douglas Caire, Founder
40 years in commercial banking and credit — I reviewed the financial packages business owners submitted for loans, and I know exactly where they fell apart. Every set of books we keep is built to pass that same review.
Meet the teamOur 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.
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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
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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
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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
Explore all bookkeeping services →
Full details on monthly bookkeeping, catch-up cleanups, loan-ready financials and QuickBooks setup.
Where clients start
Fractional CFO support, Sugar Land bookkeeping, and Houston pricing
- Fractional CFO services in HoustonMonthly dashboards, 13-week cash flow forecasts, and lender-ready reporting from a fractional CFO — without a full-time salary.See fractional CFO services
- Bookkeeping in Sugar Land, TXFlat monthly fees from $300 for Sugar Land bookkeeping and QuickBooks cleanup — multi-entity and IOLTA experience, no hourly billing.See Sugar Land bookkeeping
- What bookkeeping services cost in Houston2026 monthly package ranges, hourly vs. flat-fee comparisons, and what catch-up cleanup adds to the first invoice.See Houston pricing ranges
Certified & Credentialed
Serving Greater Houston
Local partners across Greater Houston.
As a locally owned firm, we know the Texas business landscape. We serve clients throughout Montgomery County, Harris County, and Fort Bend County — including bookkeeping and accounting services in Sugar Land, where most files we take over span two or more entities.
Two questions come up on almost every first call: what this costs, and what happens if the books are already months behind. We answer both in the open — see what bookkeeping services cost in Houston in 2026 for real monthly package ranges, or catch-up bookkeeping and accounting cleanup if there are unreconciled months to rebuild first.
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.
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
Cash Flow
13-Week Cash Flow Forecast
The rolling forecast lenders and CFOs use in a turnaround. Weekly inflows, outflows, and a flag for the week you'd dip below your safety floor.
Build my forecast
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
Free consultation
Talk to a Houston bookkeeper this week
Tell us where your books stand today. We'll review what you have and send back a clear scope and flat monthly price — usually within one business day.
- QuickBooks Certified ProAdvisors serving Houston since 2015
- Lender-ready financials trusted for SBA and bank loan packages
- Reply within one business day — no sales pressure, no obligation
- Flat monthly pricing quoted up front, cancel anytime
Prefer to talk now? Call (281) 301-1550.
We use your details only to reply about bookkeeping services. No spam, ever.
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 Greater Houston
Certified QuickBooks ProAdvisors