Bookkeeping · Accounting · Financial management
Your books, closed on time — every month.
Natural Harmonics Financial is the outsourced finance team for U.S. small businesses: reconciled books, accrual-basis statements and a real month-end close — billed by the hour at $35.00, for a fraction of the cost of hiring in house.
What we do
One finance team, four jobs done well.
Most small businesses stitch together a part-time bookkeeper, a payroll app, and a CPA they only speak to in April. We bring it under one roof, running on one clean set of books.
Monthly Bookkeeping
Every transaction categorised, every bank and card account reconciled, and a clean set of books closed by the fifth business day.
$35.00 an hourDetailsAccounting & Statements
Accrual-basis financial statements, a right-sized chart of accounts, and catch-up or clean-up for books that fell behind.
$35.00 an hourDetailsTax Filing
Federal and state income-tax returns prepared and filed straight from the books we keep — plus payroll, 1099s and sales tax on the same calendar.
$35.00 an hourDetailsFinancial Management
Cash-flow forecasting, budgets, KPI dashboards, and a fractional controller who helps you decide with the numbers.
$35.00 an hourDetailsWhy owners switch to us
Numbers you can actually run the company on.
“Getting the books done” is the floor, not the goal. We deliver a close you can trust, on a schedule you can plan around, with a person who knows your business on the other end of the line.
- Every account reconciled to the statement — no “uncategorised” pile
- Accrual-basis statements that match how the business really runs
- A 30-minute monthly review so the numbers mean something
- A tax-ready year-end package your CPA will thank you for
- No minimum, no retainer, nothing recurring — we earn the relationship to keep it
World-class, affordable
Big-firm rigour. Small-business price.
“Affordable” should not mean “good enough.” We hold the same standards a controller would — and pass on the savings of a remote-first, systemised practice.
Rigour
A documented close checklist, dual review on the numbers that matter, and a defined chart of accounts — the discipline of a finance department, without the headcount.
Transparency
One rate for every service — $35.00 an hour, with the hours estimated in writing before any work starts. Plain-language engagement letters. You always know what you are paying and what you are getting.
Partnership
A named lead accountant who learns your business, answers your emails, and joins your monthly review — not a ticket queue.
Industries
We speak your business’s dialect of accounting.
The chart of accounts, the KPIs and the month-end gotchas are different for an agency than for a restaurant. We set yours up for the way your industry actually works.
How it works
From messy to closed — and kept that way.
Books review
We look at your current file, agree on scope, and estimate the hours in writing at $35.00 an hour. No charge, no obligation.
Onboarding & clean-up
Read-only access, a right-sized chart of accounts, and any catch-up needed to get to a clean starting point.
Monthly close
Categorise, reconcile, review and deliver statements by business day five — the same way, every month.
Review & advise
A short monthly call on what the numbers say, plus cash-flow and budget support as you grow.
Try the numbers
See what the hours would come to.
Everything is billed by the hour at $35.00, so what you pay comes down to the hours the work actually takes — driven by transaction volume and the number of accounts we reconcile, not by your revenue. The estimator gives you a real range in about a minute, and compares it to the loaded cost of hiring a bookkeeper in house.
Hours driven by volume, not revenue.
What working with us looks like
Illustrative engagements.
Representative scenarios that reflect how we work — not statements from specific clients. Individual results vary; see our Disclaimer.
We were four months behind and dreading tax season. They rebuilt the year, caught us up, and now the books just close by the fifth.
Design studio · 9 people · San FranciscoThe monthly review call is 30 minutes and it’s the most useful half hour of my month. I finally know my margin by service line.
IT services firm · ~$1.4M revenueOur CPA said it was the cleanest year-end file she’d received in years. The return took less time and cost less.
E-commerce brand · multi-state sales taxWhen the bank asked for two years of statements and a 13-week cash forecast, we sent it the same afternoon.
Specialty contractor · Arlington, VAResources
Plain-English guidance for owners.
Free to read, whether or not you ever hire us — written for the person who has to run the business, not close the books.
Basics · 6 min
Bookkeeping vs. accounting vs. a CPA
Who does what, in what order, and where the money goes when you outsource each piece.
Clean-up · 7 min
How to get months of books caught up
A realistic plan for catching up a year of neglected books before a deadline — and what it should cost.
Reading the numbers · 8 min
Reading your P&L, balance sheet & cash flow
The five numbers to check every month, and why your bank balance is not your profit.
$35.00 an hour · no minimums
Ready for a finance function that just works?
Send us your current books. We’ll review them, scope the work and estimate the hours at $35.00 an hour — no charge, no obligation.