Bookkeeping, payroll, business formation, tax filing and financing help built for hands-on, owner-run small businesses across the U.S. — the ones usually left out of proper accounting.
Most small businesses we meet aren't badly run — they're just badly recorded. Cash and card sales go untracked, quarterly taxes get missed, and payroll for two or three staff is done on a notepad or a spreadsheet nobody reconciles. The result: overpaid tax, no paper trail for a lender, and no real idea what the business actually makes.
That's not a you problem. It's an industry-wide problem — and it's exactly what we were built to fix.
Pick what you need now — bookkeeping, a filing, a new entity — and add the rest as the business grows.
Monthly reconciliation of bank accounts, sales, supplier bills and operating costs — turned into books a lender or the IRS can actually read.
Wages, overtime and 1099 contractor payments processed on time, with federal and state payroll tax deposits and filings handled correctly.
Not registered yet, or still a sole proprietor? We set up the right structure — LLC, S-Corp election or corporation — plus your EIN and state registration.
Quarterly estimated taxes, payroll tax filings, sales tax where it applies, and annual federal and state returns — filed before the deadline, not scrambled after it.
Received an IRS or state tax notice? We help you understand what it means, organize the records and documentation it calls for, and prepare you to respond — bringing in licensed representation as part of the process for anything that requires formal filings before the IRS.
We prepare the financial statements lenders ask for, and help you approach SBA loans, equipment financing and business lines of credit.
A straightforward routing slip — no jargon, no surprise fees.
We review your current setup — or lack of one — at no cost.
We organize past records and set up a simple system going forward.
Bank, job and payroll activity reconciled every month, not once a year.
Payroll, quarterly and annual tax filings done before deadlines, not after notices.
Financials and compliance history built into something a lender trusts.
We help you approach lenders for working capital or equipment loans.
Lenders don't fund a business they can't see. Formal accounts, filed returns and a properly registered entity are what turn a "no" from a bank into a conversation about terms.
Loan approval and pricing are always at the lender's discretion. We prepare your business to be a strong applicant — we don't guarantee approval, rate or amount.
Pillar & Ledger isn't a solo operation — it's a small team built around one problem: how a business actually gets its finances in order, and how it gets a lender to believe it.
Our founder brings experience as CFO of a mid-size U.S. firm, directly overseeing its accounting, payroll and banking relationships, paired with years of hands-on Indian tax practice, including working tax disputes through to resolution there. A dedicated payroll specialist runs the month-to-month payroll processing and filings for clients. And our associate Chartered Accountants — carrying forward a firm founded in 1960 — handle the formal accounting and compliance work behind every client's books.
That combination is the whole point of this business: bring the rigor small businesses rarely get access to, delivered efficiently so it stays affordable. Matters that call for formal representation before the IRS are handled with licensed support built into the process.
Led accounting, payroll and banking teams at a mid-size U.S. firm; years of hands-on Indian tax dispute resolution before that.
Handles the month-to-month payroll runs, deposits and filings for every client on our books.
Carrying forward a practice our founder's father started in 1960, our associate Chartered Accountants handle the formal accounting and compliance work.
That combined experience, brought together for the small businesses usually priced out of proper accounting and finance advice.
"They took years of disorganized records and turned it into books our bank actually accepted for a loan."
"Got an IRS notice and panicked. They handled the whole response and it never became a bigger issue."
"First time I've had payroll for my staff done properly, on time, every month."
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Tell us a bit about your business. We'll follow up to schedule your free diagnostic call, no obligation.