Bookkeeping for contractors who'd rather be on the job.

Built for the trades

What we handle, so you don't have to.

• Supply house runs done right. Materials, equipment, and rentals categorized correctly, not dumped into one giant "supplies" pile.
• Truck and fuel costs tracked properly. Recorded the way your CPA wants to see them at tax time.
• Subs handled start to finish. W-9s collected up front, payments tracked all year, 1099s filed every January. $25 per form, no January panic.
• Every account reconciled monthly. Bank and credit cards matched to the statement, to the penny.
• A P&L by the 15th. What came in, what went out, what's left, in plain words.
• Seasonal swings, visible. When the slow months show up in your reports ahead of time, they stop being scary.

Straight talk

What we don't do, on purpose.

We don't build full job-costing systems, WIP schedules, or manage pay applications. If your operation has grown to where you need that, we'll tell you straight and point you in the right direction. What most trades need first is simpler and more urgent: books that are clean, current, and closed on time, every month. That's exactly what we do.

Run your jobs in Jobber, Housecall Pro, or ServiceTitan? Keep them. Your field app runs the work. We keep the money side accurate in QuickBooks Online.

Worth knowing before January

The 1099 threshold just changed, and it's a big jump.

If you pay subs, this affects you. For years the rule was simple: pay someone $600 or more and they get a 1099-NEC. That number moved.

Source: IRS Instructions for Forms 1099-MISC and 1099-NEC (Rev. December 2026). The IRS still shows the older $600 figure on some of its own web pages, so if you go looking and see a conflict, the current PDF instructions are the authority. Inflation adjustments to the new threshold start in 2027.

Fewer forms is good news. It does not mean fewer records. You still have to know what you paid every sub across the whole year to know who crosses the line, and that only works if the payments were tracked correctly as they happened. This is the part we handle.

The parts that trip people up

Five things most contractors learn the hard way.

• Get the W-9 before you pay, not after. Before the first check, you have leverage and they have motivation. In January, you have neither. This single habit prevents most 1099 headaches.
• No W-9 has a real cost. If a sub will not give you a taxpayer ID number, the IRS requires backup withholding at 24% of what you pay them. That is not a penalty someone made up. It is the published rate.
• Corporations usually do not get a 1099. If your sub is a corporation, they are generally exempt. The famous exception is attorneys, who get one regardless. This is exactly why the W-9 matters: it tells you which one you are dealing with.
• Paid by credit card? Different form, not yours. Payments made by credit card, debit card, or a payment app get reported by the processor on a 1099-K. You do not also send a 1099-NEC for those. Getting this wrong double-reports your sub, and they will call you about it.
• January 31 is both deadlines, and late costs double. The sub's copy and the IRS copy are both due January 31. Missing them triggers two separate penalties, one for each copy, per form. That is how a small oversight turns into a real number.

There is also an e-filing rule worth knowing: if you file 10 or more information returns total for the year, counting all your 1099s and W-2s together, the IRS requires electronic filing. Most contractors with a few subs and a couple of employees hit that line without realizing it.

This is general information about published IRS rules, current as of July 2026, not tax advice. We are bookkeepers, not tax preparers. Whether a specific worker is a contractor or an employee is a question for your CPA, and it is one worth asking, because it carries the highest stakes of anything on this page.