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New · Partner-delivered
Bench + Pilot partner network · monthly close

Monthly books, done. Year-end ready for tax filing.

Most US small businesses do not have a bookkeeper. They should. Bookkeeping is the foundation of tax filing, SBA loans, investor diligence, and S-Corp election analysis. We coordinate through partner bookkeepers so you have monthly books without the price of an enterprise accounting firm.

Connect bank read-onlyNo money movement, everCancel any timeBooks migrate out clean
Monthly P&L + Balance Sheet by 10th Tax-ready year-end packet QuickBooks / Xero compatible
Books · Mountain Spring LLC · March 2026
Monthly closeMar 10
complete
Transactions98
reconciled
Categorized100%
no questions
March P&L + Balance Sheet deliveredReconciled to bank + StripeDelivered
Stripe reconciliation complete3,420 transactions matchedDone
Quarterly tax-strategy check readyFor partner CPA reviewPending
$80-300
Per month
depending on volume
30 days
Month-end close
books delivered
90%
SMBs without bookkeeper
IRS estimate
$3-5K
Annual tax savings
avg with clean books
SOC 2 Type II · 2025 report4.9 · 8,200+ reviewsE&O Insured · carrier on request51 Jurisdictions220,000+ Formed
See disclosures + carrier names →
How it works

How it works Connect once, books done forever.

Monthly cadence, partner-delivered.

1

Connect accounts

Bank, Stripe, Shopify, QuickBooks (if you have one). Read-only OAuth; we never move money.

2

Bookkeeper takes over

Within 5 business days your dedicated bookkeeper has your prior 3 months reconciled and a clean starting point.

3

Monthly delivery

By the 10th of each month: P&L, Balance Sheet, and any questions for you. Year-end: tax-ready packet.

4

Year-end handoff

Your books arrive at the tax CPA already organized. No "books cleanup" surprise scope.

What you get

Monthly books + year-end ready. In full.

Monthly P&L + Balance Sheet

Delivered by the 10th of each month for the prior month. Auto-reconciled to bank + Stripe + Shopify.

Categorized transactions

Every transaction reviewed and categorized. Questions sent to you in batched monthly check-ins, not weekly noise.

Year-end ready for tax

Your books arrive at the tax-filing CPA already organized. No "books cleanup" surprise scope.

Quarterly tax-strategy check

Once per quarter the bookkeeper flags items the tax CPA will want to know about (large equipment purchases, mileage, home office).

Investor-ready financials

When you raise, we deliver clean monthly statements going back 12+ months. No data-room rush job.

Integrated with File.Business

Books feed into Compliance Score and tax filing service. One platform, one workflow.

Pricing

Monthly pricing by transaction volume.

Pricing tracks your monthly transaction count. No surprise tier upgrades.

Starter

$80/mo
Under 50 monthly transactions. Most early-stage SaaS or consulting businesses.
  • Monthly P&L + Balance Sheet
  • Bank + Stripe reconciliation
  • Categorized transactions
  • Year-end ready for tax
  • Email support

Scale

$300/mo
200+ monthly transactions or multi-entity.
  • Everything in Growth
  • Multi-entity consolidation
  • Inventory reconciliation
  • Class / department-level reporting
  • Dedicated bookkeeper
FAQ

About bookkeeping.

Who does the actual bookkeeping?
Partner bookkeepers from Bench, Pilot, or other vetted partners depending on your business profile. We handle matching, coordination, document flow, and quality control.
Can I keep my current bookkeeper?
Yes. The File.Business value is the coordination layer (deadline tracking, document storage, tax-handoff). Some customers use us as the coordination layer with their existing bookkeeper.
What software do you use?
Most partners use QuickBooks Online or Xero. You get full read access; your accountant or future bookkeeper can take the books anywhere.
What happens at tax time?
Your books arrive at the tax CPA already organized. The CPA does not need to do "books cleanup". This typically saves $500-$2,000 in CPA fees vs. handing over messy books.
Can I cancel any time?
Yes, one-click cancellation. We give you 90 days of book history on the way out. No retention games.
Do you handle inventory or COGS?
Yes, on Growth and Scale tiers. We reconcile inventory through Shopify, Stripe, or your inventory system and calculate COGS monthly.
60day promise

The File.Business Promise

If we miss a filing deadline on a service you pay us to manage, we pay the state penalty. If you change your mind in the first 60 days, we refund our service fee in full. Your data stays yours, always.

60-day money-back Penalty-free filings Cancel anytime No surprise fees
Monthly books, done

Get a bookkeeping quote in 2 minutes.

Connect your bank read-only and we tell you your monthly transaction volume + price. Free, no signup.

Built for real businesses

220,000 founders, every kind of business.

Bookkeeping team
Partner-delivered
Monthly P&L
Delivered by the 10th
Tax-ready books
Year-end handoff
US + international founders · multi-entity dashboard

One platform for one business, or ten.

Multi-entity dashboard at no extra charge. International founders supported with ITIN, EIN-via-SS-4-fax, and partner banking. The platform scales with you.

Explore the platform →
File.Business is a private business filing and compliance service. We are not a government agency and are not affiliated with any Secretary of State office. You may file directly with the appropriate state agency. SOC 2 Type II audited. 220,000+ businesses formed since 2017.