Trades and home services
Job costs, materials, crews and subcontractors.
- Landscaping, HVAC, plumbing
- Electrical, roofing, cleaning
- General contractors
FOUNDING CLIENTS30% off your first 3 months. 5 places only.
Your books, closed by business day 5. Every month.
We run bookkeeping, invoicing, bills and monthly reporting inside your own QuickBooks Online. Automation does the routine work, and a Fellow Chartered Accountant with 17 years in finance leadership reviews anything it isn't sure about.
September closeExample: a 6-person landscaping crew
- Bank and card lines categorised412 of 412
- Receipts matched and attached96%
- Bills coded and sent for approval23 bills
- Overdue invoices chased5 reminders
- Accounts reconciled to statements3 accounts
- Flagged items checked by a reviewer7 items
Report in your inbox by the 10thClosed on day 4
From $149a month, fixed price
Day 5month-end close, every month
Your fileQuickBooks Online stays in your name
If any of this sounds like your business, we can help
Most small businesses don't need a full-time bookkeeper. They need the same jobs done reliably, every week and every month.
Your books are months behind
We catch you up first, then keep you current. Catch-up is a one-time fee, quoted upfront.
You can't tell if a job made money
A plain-English P&L and cash summary every month, so you see what's working. Every plan.
Receipts live in your truck and your inbox
Email or photograph them to one address. We match each one to the right transaction.
Customers pay late, and you hate chasing
Polite reminders go out at 3, 7, 14 and 30 days, in your name. You approve the wording once.
Year-end means a panic for your CPA
Clean books, W-9s collected and 1099s flagged before January, ready to hand over.
You're doing the books at 11pm
Hand it over and get your evenings back. You approve; we do the rest.
The finance work that repeats, done on a schedule
Each job runs on a fixed rhythm, so you always know what happens and when.
| Service | What we do | How often |
|---|---|---|
| Bookkeeping | Categorise every bank and card line, match receipts, reconcile accounts and close the month. | Daily, closed by day 5 |
| Invoicing & collections | Send invoices, match payments as they land, and chase late payers politely. | Daily |
| Bills & payables | Capture bills, code them, and queue them for your approval. You release every payment. | Weekly |
| Payroll via Gusto | We set up and run payroll in your own Gusto account: hours in, your approval, pay run, then the journal entries in your books. Gusto pays your team and files payroll taxes. | Each pay run |
| Management report | P&L, balance sheet and cash summary with a short note on what changed. | Monthly, by the 10th |
| 13-week cash forecast | A rolling view of the cash coming in and going out, so surprises show up early. | Weekly |
| Finance advisory | Budget against actuals, margin reviews and a monthly call about your numbers. | Monthly |
| E-commerce sales | Reconcile Shopify, Amazon and Stripe payouts to orders, fees and refunds. | Weekly |
| Year-end CPA pack | W-9 collection, 1099 flagging and a clean year-end file for your tax preparer. | November to January |
Business services on the same system
- AI support deskSorts your inbox, drafts replies and answers common questions.
- $299/mo
- Lead response deskAnswers web enquiries fast, sends quotes and follows up.
- $199/mo
- Collections onlyOverdue invoice chasing at 3, 7, 14 and 30 days.
- $149/mo
- Back officeExpense claims, vendor setup, document filing and data entry.
- Quoted
What we don't do
We keep your books ready for filing. Your CPA or tax preparer keeps the tax work.
- Tax returns, tax advice, sales-tax or 1099 filings
- Audits or reviews
- Holding or moving your money
Starts with clean books. Grows to a CFO.
Most owners start with bookkeeping. When the business needs more, the same team steps up, so you never have to re-explain your numbers to someone new.
- Level 1
Bookkeeping
Every transaction categorised, receipts matched, accounts reconciled and the month closed by day 5.
From $149/mo - Level 2
Controller
Invoicing, bills, payroll and a 13-week cash forecast. Controls that stop errors before they reach your report.
$399 to $899/mo - Level 3
FP&A and advisory
Budget against actuals, margin reviews by job or product line, KPIs and a monthly call about your numbers.
+$500/mo - Level 4
Fractional CFO
Bank and lender packs, financing and refinancing, investor and board reporting, turnaround planning and deal support.
Quoted after a call
Fractional CFO work is led personally by our founder, who has run group finance, raised debt and equity and led two business turnarounds. Book a call about CFO support.
Built for owner-run businesses in the US
Busy teams with real transactions and no time to keep the books themselves. Each industry gets the setup it needs.
Clinics, studios and salons
Card and insurance deposits, staff and rent.
- Dental and therapy practices
- Fitness studios and salons
- Veterinary clinics
Online stores
Payouts, fees, refunds and stock across channels.
- Shopify sellers
- Amazon sellers
- Stripe and Square merchants
Agencies and professional services
Retainers, projects, contractors and collections.
- Marketing and creative agencies
- Consultants and IT services
- Property managers
Works with your stack
We work inside QuickBooks Online, so any app that syncs to it works with us.
- Accounting
- QuickBooks Online Xero coming soon
- Payroll
- Gusto
- Sales and payments
- Stripe, Square, PayPal, Shopify, Amazon
- Spend and bills
- Ramp, Brex, Expensify, bank and card feeds
- CFO and FP&A work
- Exports from NetSuite, Sage Intacct or Excel
From quote to closed books in about a week
No calls required to get started, though we're happy to talk: book 30 minutes with Daniyal.
- 2 minutes
Get a price
Answer a few questions below and see your fixed monthly price straight away.
- Same day
Start online
Pay securely by card or bank through Stripe, then fill in a 3-minute onboarding form. The first month is billed upfront.
- Days 1 to 3
Connect QuickBooks
Invite us as your accountant (watch the 45-second video). We connect the bank feeds and set up your categories.
- Every month
Books closed by day 5
Your report and cash summary arrive by the 10th.
Fixed monthly plans, priced by transaction volume
A transaction is any line in your bank or card feeds. Pick the plan that covers a normal month.
No long contractNo setup feeCancel any time, effective from the next monthPay ahead and save up to 30%Pay by card or bank transfer
Founding client offer · 5 places
30% off your monthly plan for your first 3 months
We're taking on our first five clients at a founding price. In return, if you're happy after three months, we'd ask for a short review. Applies to your plan and monthly add-ons on monthly billing (not with pay-ahead discounts); catch-up and the year-end pack are full price. Before the three months end we'll offer you our pay-ahead discounts (10%, 20% or 30% off); otherwise you continue at the normal monthly price, and you can still cancel any time.
Enter this code at checkoutFOUNDING30
Try us first · until 31 December 2026
Your first month free
New clients on monthly billing can try Cypher free for their first month: 100% off the plan and monthly add-ons. We take your card at checkout and the second month is billed at the normal price, unless you cancel before then. Catch-up and the year-end pack are charged as usual. One code per checkout: choose this or the founding offer, not both.
Enter this code at checkoutTRYME
Starter
Up to 100 transactions a month
$149 /month
- Bookkeeping and monthly close
- Monthly P&L and cash summary
- Receipt matching
- Client portal
Growth
Up to 400 transactions a month
$399 /month
- Everything in Starter
- Invoicing and collections
- Bills and payables
- Cash dashboard
Scale
Up to 1,500 transactions a month
$899 /month
- Everything in Growth
- Payroll via Gusto (up to 10 employees)
- 13-week cash forecast
- Monthly KPI pack
- Year-end CPA pack included
Pay ahead and save
Pay for several months up front and get a lower price on your plan and monthly add-ons. You pick the option when you start; prepaid plans renew for the same term.
- 10%off, 3 months paid ahead
- 20%off, 6 months paid ahead
- 30%off, 12 months paid ahead
Example: Growth for 12 months is $3,351.60 instead of $4,788 ($279.30 a month). Can't be combined with the founding code. If you cancel a prepaid plan, it takes effect from the next month and we refund the unused months, after recharging the months used at the monthly price.
Add-ons and one-time work
Over 1,500 transactions a month? We price your setup individually. Go over your plan's limit once and nothing changes; two months in a row and we'll suggest the next plan.
| Invoicing & collections, or bills & payables, on Starter | +$99/mo each |
| Payroll via Gusto, on Starter or Growth (up to 10 employees) | +$149/mo |
| E-commerce sales reconciliation | +$249/mo |
| AI support desk | +$299/mo |
| Lead response desk | +$199/mo |
| Finance advisory | +$500/mo |
| Year-end CPA & 1099 pack | $299 once a year |
| Catch-up for books that are behind | Half your plan price per month behind, once |
Prices in US dollars. Your accounting software subscription (QuickBooks Online or Xero) and Gusto's payroll fee are billed to you by those providers and aren't included.
See your price, then get it by email
Your price updates as you answer. Add your details to get a written quote with a link to start.
Who's behind Cypher
Daniyal J. Paracha, FCA
Founder. Fellow Chartered Accountant, ICAEW (England and Wales) and ICAP.
I trained at PwC, leading statutory audits for listed companies, then spent 14 years as group finance director (effectively the CFO) of a multi-division industrial group operating across Pakistan, Nigeria and the UK. I owned month-end close, board reporting, treasury, lender relationships and audits, and I led the finance side of two turnarounds.
I started Cypher because owner-run businesses deserve the same discipline, without paying for a finance team. Automation does the repetitive work. I review anything it isn't sure about, and every monthly report.
- Ex-PwCaudit and advisory
- 17+ yearsin audit and group finance leadership
- Debt and equity raisedbank syndicates, development finance, bonds and a stock exchange listing
See exactly what you get each month
Open a full sample monthly report: P&L, cash summary, who owes you money, the items we flagged and the plain-English note. It uses a made-up company, so you can see the format before you share a single number.
Why owners hand their books to Cypher
You stay in control of your accounts and your money. We do the repeat work, on time, at a price that doesn't change.
- Your QuickBooks file stays yoursThe subscription stays in your name. If you leave, we remove our access within 30 days.
- We never move your moneyWe prepare the figures. You approve and release every payment yourself.
- One fixed priceNo hourly billing. Your plan covers a normal month, and catch-up is quoted before you start.
- A chartered accountant checks what automation isn't sure aboutAnything unclear goes to Daniyal Paracha, FCA, who also reviews every monthly report before it reaches you.
- Reports you can readA short plain-English note with every monthly report, so the numbers mean something.
Before you sign up
Something else on your mind? Email information@cypheroutsourcing.com.
Who actually does the work?
Automation handles the routine steps: categorising, matching receipts, reminders and drafting reports. Our founder, Daniyal Paracha, a Fellow Chartered Accountant (ICAEW and ICAP), checks anything the system isn't confident about and reviews every monthly report.
Can you help with more than bookkeeping?
Yes. Beyond bookkeeping we offer controller work, budgeting and forecasting, and fractional CFO support such as lender packs, financing and investor reporting. CFO work is quoted after a short call.
Do you file my taxes?
No. We don't prepare tax returns or give tax advice. We keep your books ready for filing and send your year-end data to your CPA or tax preparer.
Do I keep my QuickBooks file?
Yes. The subscription stays in your name. If you leave, we remove our access within 30 days and everything stays with you.
Can you move money out of my account?
No. We prepare bills and figures; you approve and release every payment yourself.
What if I go over my plan's limit?
Nothing stops. If you're over two months in a row, we'll suggest moving to the next plan.
How do I pay, and can I cancel?
Plans are billed monthly in advance by card or bank transfer, or you can pay 3, 6 or 12 months ahead for 10%, 20% or 30% off. Cancel any time; a cancellation takes effect from the next month. On a prepaid plan we refund the unused months, after recharging the months used at the normal monthly price.
Where is Cypher based?
Cypher is a US company registered in Wyoming, serving small businesses nationwide.
Get your fixed monthly price
Two minutes, no call needed. Your quote arrives by email with a link to start when you're ready.