B2B Services
You deliver before you get paid. We track the receivables, manage the margins, and keep cash flow visible so the gap between billing and collecting doesn't sink you.
The Gap Between Billing and Getting Paid
B2B is different from consumer-facing businesses. You send an invoice and then you wait. Net-30 is optimistic. Net-60 is common. Net-90 happens more than anyone likes to admit. Meanwhile, payroll still runs every two weeks. Rent is due on the first. Your vendors expect their money on time even when your clients don’t pay you on time.
That gap between earning and collecting is where most B2B companies get into trouble. Revenue looks strong on paper, but the bank account tells a different story. Without proper tracking of what is outstanding, what is overdue, and what your actual cash position looks like week to week, you are making decisions based on numbers that don’t reflect reality.
Who This Covers
Who This Covers
IT managed service providers, staffing agencies, wholesale distributors, commercial suppliers, and other businesses that sell products or services to other businesses rather than directly to consumers.
The Reality
The Reality
You are running a real operation with real overhead. Employees, insurance, equipment, software. All of that has to get paid regardless of whether your clients pay their invoices this month or next month. The timing mismatch creates constant pressure.
What We Handle
We focus on the things that keep B2B operations running cleanly. That starts with accounts receivable. We track every invoice, monitor aging, and make sure nothing slips through the cracks. When a client is 60 days past due, you will know about it before it becomes 90. On the payable side, we make sure your vendor relationships stay intact by keeping bills organized and paid on schedule.
We also manage the complexity that comes with different B2B models. For staffing companies, that means tracking payroll burden against billing rates so you know your true spread. For wholesalers, it means accurate cost of goods sold and inventory tracking. For IT firms and other service providers, it means separating project revenue from recurring contracts so you can see where the profit actually comes from.
Receivables and Payables
Receivables and Payables
We monitor your AR aging and flag overdue accounts so you can act quickly. On the AP side, we track due dates and payment terms so you take advantage of early-pay discounts and avoid late fees. You get a clear picture of money moving in and out at all times.
Payroll and Compliance
Payroll and Compliance
Whether you have W-2 employees, a mix of contractors, or both, we handle payroll processing, tax deposits, and quarterly filings. At year end, we prepare 1099s for every contractor who crossed the threshold. No scrambling in January.
Where the Money Disappears
The most common problem in B2B is not knowing your real margins. Revenue is not profit. A staffing agency billing $50 an hour for a worker might only net $5 after payroll taxes, workers comp, benefits, and overhead. An IT company landing a big managed services contract might look profitable until you factor in the cost of the technician, the software licenses, and the after-hours support. If you don’t track the full cost of delivery, you think you are making money when you are barely breaking even.
The other issue is expense creep. Software subscriptions, vehicle costs, insurance premiums, professional memberships, advertising. These overhead items grow quietly over time. Nobody adds them all up until tax season, and by then it is too late to do anything about it. Without monthly review, these costs erode the margins you thought you had.
Margin Blindness
Margin Blindness
You know what you charge. You might not know what it actually costs you to deliver. We break down margins by service line, by client, or by project so you can see where the profit actually lives and where you are losing money without realizing it.
Late Payments Compounding
Late Payments Compounding
When a big client pays late, you might cover the gap with a credit line or delay your own vendor payments. That creates interest costs and strained supplier relationships that don’t show up in a basic profit and loss statement but eat away at your bottom line over time.
What Changes
You start making decisions with actual numbers behind them. Should you take on that new client at the proposed rate? You can answer that question because you know your fully loaded cost of delivery. Should you hire another employee or bring on a subcontractor? The data tells you which path protects your margin. These are not guesses anymore. They are informed choices backed by clean, current financial information.
Banking relationships improve too. When you need a line of credit to smooth out the receivables cycle, or when you want to finance equipment or expand into a new service area, you walk in with organized financials. Lenders respond to clean books and clear cash flow projections. Your CPA gets a complete package at tax time and can focus on strategy instead of fixing errors.
Pricing Confidence
Pricing Confidence
You stop guessing on quotes and proposals. Your historical data shows exactly what it costs to deliver each type of service, so you price with accuracy and protect your margin on every new engagement. No more finding out after the fact that a contract was unprofitable.
Scalable Operations
Scalable Operations
Growth gets less chaotic. You know your overhead breakeven point, your capacity limits, and your cash flow cycle. Adding clients or staff becomes a planned decision based on what the numbers support rather than a reactive leap and a hope that it works out.
Tampa Bay's Small Business CPA Firm
First Step:
A Short Conversation
Tell us about your business and where you need support. We'll walk through your situation, answer your questions, and give you a clear quote.
