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Bookkeeping for growing businesses

Bookkeeping for small businesses. Clarity wherever you operate.

CentsIQ provides clear, dependable bookkeeping services for small businesses in Seattle, King County, and across the United States. Get clean books, useful financial reports, and practical guidance without the accounting fog.

Your monthly view

Books reconciledComplete
Financial statementsReady
Owner questionsAnswered

What CentsIQ does

Financial support that stays understandable.

CentsIQ handles the recurring work, repairs records that have fallen behind, and helps owners use financial information to make better decisions. Our bookkeeping services are designed for small businesses that need accurate records without hiring a full-time accounting department.

Monthly

Monthly bookkeeping services

Transaction categorization, account reconciliations, and monthly financial statements delivered on a consistent schedule.

  • Bank and credit-card reconciliation
  • Expense review and categorization
  • Month-end close and owner summary
Cleanup

QuickBooks cleanup in Seattle

Setup, migration, training, catch-up, and cleanup for QuickBooks files that need a clearer and more reliable foundation.

  • Duplicate and unreconciled activity
  • Chart-of-accounts review
  • Backlog and opening-balance cleanup
Operations

Payroll and bill support

Organized payroll information and accounts-payable support for businesses with employees, contractors, vendors, or owner payroll.

  • Payroll records and reporting
  • Bill and invoice organization
  • Accounts payable and receivable workflows
Planning

Fractional CFO services in Seattle

Cash-flow planning, budget tracking, KPI reporting, advanced analytics, and financial decision support as your business grows.

  • Forecasting and budget analysis
  • Profitability and margin review
  • Quality of earnings support

The work behind clean books

What do small-business bookkeeping services include?

Bookkeeping is more than entering transactions. CentsIQ organizes the records behind your financial statements so you can see income, expenses, assets, liabilities, cash flow, and business performance.

Bank and credit-card reconciliation

Every bank and credit-card transaction is matched to the accounting records. Reconciliation helps identify missing entries, duplicate charges, incorrect dates, and balances that do not agree with the statements.

Expense tracking and categorization

Business expenses are reviewed and assigned to appropriate accounts so owners can understand where money is going and tax professionals can work from better-organized records.

Accounts payable

Bills and vendor obligations are organized so owners can see what is due, avoid missed deadlines, and keep operating expenses visible in the monthly reporting.

Accounts receivable

Invoices, customer balances, payment status, and collection workflows are tracked so the business has a clearer view of what it has earned and when cash may arrive.

Invoice management

CentsIQ can help organize invoice creation, delivery, payment tracking, and records for businesses that bill hourly, by project, through subscriptions, or with recurring service agreements.

Month-end close

At month end, accounts are reviewed, reconciliations are completed, unusual activity is flagged, and reports are prepared so the owner has a dependable starting point for the next month.

Reports you can use

What financial reports will I receive?

CentsIQ prepares financial information in plain language so reports are not just filed away. The exact reporting package can be adapted to the business, management team, board, investor, or tax professional.

  • Profit and loss statementShows revenue, expenses, and whether the business made a profit or loss for a selected period.
  • Balance sheetShows assets, liabilities, and equity—the financial position of the business at a point in time.
  • Cash-flow reportingShows where cash came from and where it went, helping owners plan for payroll, taxes, vendors, and growth.
  • Owner summary and KPI reportingHighlights what changed, what matters, and which questions deserve attention next.

Built around your business

Useful data without the accounting fog.

For businesses with information spread across accounting, sales, payroll, marketing, and operations systems, CentsIQ can help connect the numbers into a clearer view.

  • Profitability by service, product, customer, or location
  • Cash-flow forecasts and budget-versus-actual review
  • Revenue, labor, advertising, and operating-cost trends
  • Dashboards and recurring reporting workflows
  • Connections among QuickBooks, Xero, Shopify, Stripe, Square, Google Analytics, Google Ads, Meta, CRM tools, and spreadsheets where appropriate

How it works

From scattered records to a useful monthly rhythm.

CentsIQ separates cleanup from ongoing bookkeeping, then builds a process that keeps your numbers current and useful.

01 · ASSESS

Review the setup

Identify what is behind, which accounts need attention, and what source information is available.

02 · STABILIZE

Bring records up to date

Complete an agreed cleanup period and establish a clear monthly workflow.

03 · MAINTAIN

Keep the books current

Reconcile, categorize, review, and summarize the numbers on a consistent schedule.

04 · EXPLAIN

Make the numbers useful

Answer what changed, what matters, and what deserves the owner’s attention next.

A clear starting point

Bookkeeping that fits the business you are building.

CentsIQ works with contractors, consultants, shops, restaurants, online sellers, nonprofits, and other small businesses that need dependable financial records. If you are comparing a bookkeeper in Seattle, start with the scope of work, reporting process, software fit, and monthly price—not just the hourly rate.

Flat monthly pricingNo hourly billing and a scope built around your transaction volume, accounts, payroll, and reporting needs.
$300–$800/moTypical monthly range for many CentsIQ clients, depending on scope.
Seattle + U.S.Local King County service with secure virtual support nationwide.

Industry experience

Different businesses need different books.

CentsIQ adapts the bookkeeping workflow to the way the business earns money, pays people, manages inventory, bills customers, and reports results.

Contractors and trades

Track deposits, labor, change orders, subcontractors, job costs, and project profitability.

Restaurants and retail

Organize sales, returns, cash activity, inventory, tips, labor, and daily close-out information.

E-commerce businesses

Reconcile Shopify, Amazon, Etsy, merchant deposits, platform fees, refunds, and sales activity.

Consultants and agencies

Keep project revenue, contractors, recurring billing, operating expenses, and margins visible.

Nonprofits

Organize grants, donations, restricted funds, programs, board reporting, and audit-ready records.

Where we serve

Seattle expertise, virtual support across the U.S.

CentsIQ is based in Seattle and serves small businesses in King County and beyond through QuickBooks Online, secure file sharing, and remote collaboration.

Seattle and King CountyBellevue, Kirkland, Redmond, Renton, Kent, Maple Valley, Covington, and nearby communities.
Portland, OregonVirtual bookkeeping and fractional CFO support for qualifying businesses.
Memphis, TennesseeVirtual bookkeeping and fractional CFO support for qualifying businesses.
Nationwide virtual serviceRemote support for U.S.-based small businesses with a workable digital bookkeeping setup.

Expertise behind the work

Financial information should be easy to understand and use.

Lam NguyenFounder and Head of Delivery, CentsIQ

Lam Nguyen founded CentsIQ to help small businesses make sense of their finances. He brings decades of experience in finance and management consulting and holds an MBA in Finance from the Lubin School of Business at Pace University.

Read the CentsIQ team profile

Questions owners ask

Frequently asked questions

What does monthly bookkeeping include?

Monthly bookkeeping generally includes agreed account reconciliations, transaction categorization, financial statements, review of unusual activity, and a concise owner summary. The exact scope depends on the business setup.

Can CentsIQ clean up backlogged QuickBooks books?

Yes. CentsIQ can review the existing QuickBooks setup, identify unreconciled or miscategorized activity, clean up an agreed period, and transition the business to a recurring monthly workflow.

How much does bookkeeping cost?

Many CentsIQ clients pay between $300 and $800 per month. Final pricing depends on transaction volume, payroll, number of accounts, cleanup needs, and reporting requirements. CentsIQ uses flat monthly pricing rather than hourly billing.

How do I find a bookkeeper in Seattle?

Look for a bookkeeping provider that clearly explains its services, software experience, monthly reporting, cleanup process, pricing approach, and communication with your CPA or tax professional. CentsIQ serves Seattle, Bellevue, Kirkland, Redmond, Renton, Kent, and other King County communities.

What is the difference between a bookkeeper and a CPA?

A bookkeeper records and organizes financial activity, reconciles accounts, and prepares recurring reports. A CPA may provide tax preparation, audits, attestations, and other services that depend on their engagement. CentsIQ can coordinate with a tax professional using cleaner year-end records.

Can CentsIQ manage accounts payable and accounts receivable?

CentsIQ can organize bills, invoices, vendor obligations, customer balances, payment status, and related workflows where those services are included in the engagement. The exact process depends on the business and its systems.

Can CentsIQ help with advanced analytics?

Yes. Advanced analytics can connect accounting, sales, marketing, payroll, and operations data to help owners understand profitability, trends, return on advertising, customer behavior, and cash-flow patterns.

What is quality of earnings support?

Quality of earnings work reviews the sustainability and composition of reported profit. It may examine accounting files, tax returns, payroll, contractor reports, sales data, customer and vendor information, and financial statements for a buyer, seller, or advisor.

Does CentsIQ work with businesses outside Seattle?

Yes. CentsIQ serves small businesses in Seattle and King County and provides virtual support for businesses in other U.S. locations where the service is a fit.

Does CentsIQ prepare tax returns?

Bookkeeping and financial operations support do not automatically include tax-return preparation. CentsIQ can organize year-end records and coordinate with your tax professional where appropriate.

How do I get started?

Contact CentsIQ for a free consultation. The first step is a review of your current setup, cleanup needs, and the level of monthly support your business requires.

Start with a clear next step

Want to know what your books need?

Request a free consultation to discuss your current setup, cleanup needs, and the bookkeeping support that fits your business.

Contact CentsIQ

720 Seneca St Ste 107 # 675, Seattle, WA 98101 · (425) 465-8239 · contact@centsiq.com

© 2026 CentsIQ. All rights reserved.Last updated: August 10, 2026
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