Books & month-end close
Categorization, reconciliations, close checklist, package by the promised business day.
Spindle Financial Operations · Providence
Monthly books, reconciliations, and a close pack — so the register, processor, and bank finally agree.
Spindle Financial Operations is the overflow partner for card-heavy shops and the CPAs who serve them. Flat monthly fee. Written scope after a free consultation.
Free consultation first. Setup fee only if you engage. We reply within 2 business days.
What we deliver each month
Sale-to-cash reconciliations (sales → processor → bank)
Match sales tickets → card processor → bank deposit → cash until unexplained variance is $0.00.
Owner KPI pack
Sales, fees, refunds, cash, exceptions, short commentary. Reports you can run the shop on — not an audit.
Who it’s for
Operators
Restaurants, retail, salons, e-commerce, and other card-heavy shops where POS, processor, and bank don’t line up alone.
A finance lead can sit in the same conversation — someone who can share records and approve corrections.
CPA firms
Overflow for month-end ops work you don’t want on the tax desk. You keep tax, attest, and the relationship. We keep the month current. No client poaching — in writing.
How engagement works
Free consult, then written scope, then engage.
01
Free consultation
Facts only. No logins. We say if it’s in scope.
02
Written scope & fee
Package, monthly fee, and setup. Setup is due only after you say yes.
03
Onboard
Least-privilege access. Opening balances.
04
Operate
Weekly exceptions, month-end close, KPI pack on calendar.
Flat monthly packages
Exact fee is set in writing after the free consultation. Ranges reflect complexity.
Books & Close
$400–$800 / month
Setup ~$250–$500
- Single entity · 1 POS + 1 processor
- Close by business day 12
Ops Close
$900–$1,500 / month
Setup ~$500–$1,000
- Multi-source money or recurring gaps
- Close by business day 10
Multi-entity Ops
$1,600–$2,500 / month
Setup ~$1,000–$1,750
- 2–3 entities or locations
- Close by business day 10
Free consultation before any setup fee. Setup is billed only when you engage.
Project work (cleanup, chart rebuild, rush) is quoted separately.
Built for CPA overflow
- Ops overflow referred or white-labeled (clients still see your firm), without taking tax work
- Clean month-end files a tax team can pick up (the working papers for the close)
- Direct contract with the client, or written white-label terms
- No client poaching — written into the engagement
03 — Sample close
Sample close — fictional data
A compact look at the monthly package an owner receives. Same workpapers a CPA can pick up for tax. Typical target: closed by business day 12 (Books & Close) or day 10 (Ops Close).
Operating snapshot
| Net sales | $186,440 |
|---|---|
| Cost of goods | $74,576 |
| Gross profit | $111,864 |
| Labor | $52,203 |
| Occupancy | $14,800 |
| Other operating | $18,441 |
| Operating income | $26,420 |
Cash view
| Opening cash | $41,220 |
|---|---|
| Settlements received | $177,216 |
| Cash deposits | $28,410 |
| Processor fees (netted) | ($4,612) |
| Operating outflows | ($188,090) |
| Closing cash | $54,144 |
| Bank rec difference | $0.00 |
Commentary: sales mixed 2.1% above July on a same-store basis. Labor held at 28.0% of sales. One stale item from July remains on the exception list — owner decision required.
| Path | Status |
|---|---|
| Sales tickets → processor | Tied · $0.00 |
| Processor → bank deposit | Tied · $0.00 |
| Cash drawer → bank | Tied · $0.00 |
| Fees / refunds netting | Tied · $0.00 |
Fictional demonstration. Live packages use your systems and calendar.
| Exception | Owner action |
|---|---|
| Stale July tip payout ($84) | Confirm void vs. reissue |
| No open chargebacks this month | — |
Exceptions stay on the list until cleared. Chargeback help is case-by-case / add-on — not a standard package.
The team behind the close
Spindle Financial Operations is a specialty finance-ops team focused on sale-to-cash close for transaction-heavy shops. We work one engagement at a time so the close stays on calendar. Based in Providence, RI — serving clients and CPA partners nationally.
Precision
Calendar discipline
Partner-safe boundaries
Book a free consultation
Tell us who you are (owner or CPA), systems in play, and the pain. We’ll reply within 2 business days with a yes or no on fit and a next step. No logins on the first call. No setup fee until you engage.
Prefer email? hello@spindlefo.com