B2B Services

You deliver first and collect later. We track client-level profitability and cash flow so you know which relationships actually make money.

The Timing Problem

B2B means you deliver first and get paid later. Net-30 and net-60 terms are standard. Your costs don’t wait, though. Payroll hits every two weeks. Rent is due the first. Suppliers and subcontractors expect payment now. The gap between when you spend and when you collect is the defining financial challenge of selling to other businesses.

A staffing agency can have $200,000 in outstanding invoices and still struggle to cover Friday’s payroll. An IT services firm finishes a project in March and doesn’t see payment until May. A wholesaler buys $80,000 in inventory and ships it to a customer who won’t pay for 45 days. The books say you’re making money. The bank account tells a completely different story.

Who This Covers

IT managed services providers, staffing and recruiting agencies, wholesale distributors, commercial suppliers, and other businesses in the Nashville area that sell primarily to other businesses. If your revenue comes from invoicing companies rather than swiping consumer credit cards, this is your world.

The Core Challenge

You carry the full cost of delivering your service or product while your clients take their time paying. Every new contract you win makes that timing gap wider before it gets better. Growth without financial visibility is how profitable B2B companies end up in a cash crunch.

What We Handle

We set up your books so you can see profitability by client, by contract, or by service line. Not just total revenue and total expenses for the month, but the actual margin on each relationship after accounting for the labor, materials, and overhead involved in serving that account. This is how you figure out which clients are worth keeping and which ones quietly cost more than they bring in.

Accounts receivable gets real attention. We track aging invoices and give you a clear picture of what’s outstanding, what’s overdue, and which clients consistently pay late. On the compliance side, we handle payroll processing, tax deposits, and year-end filings. If you work with subcontractors or outside vendors, we make sure W-9s are collected and 1099s go out correctly.

Client and Contract Profitability

Revenue and direct costs tracked at the client or project level. Overhead allocated so you see true margin, not just gross revenue minus the most obvious expenses. When you’re deciding whether to renew a contract or take on a new account, you have real data to work with instead of a rough sense of how things are going.

Payroll, Contractors, and Compliance

Whether you have W-2 employees, 1099 subcontractors, or a mix of both, we handle the payroll runs, withholding calculations, quarterly tax filings, and year-end forms. For staffing agencies and IT firms that rely on contractors, we track vendor payments and prepare 1099s so January doesn’t turn into a paperwork scramble.

Where Things Break Down

Revenue growth in a B2B business can hide serious problems. You land three new clients and revenue jumps 30 percent. But if those clients pay on net-60 terms, your labor and material costs went up immediately while the cash won’t show up for two months. Without a cash flow forecast, this looks like a great quarter right up until you can’t cover payroll. Growth funded by your own cash reserves has a ceiling, and most owners hit it without seeing it coming.

Pricing is the other blind spot. A staffing agency that doesn’t track its full burden rate, including payroll taxes, workers comp, benefits, and internal overhead, will underprice contracts and watch margins shrink year after year. A wholesaler that doesn’t monitor freight and handling costs by customer won’t realize that certain accounts lose money on every order. When you can’t see the true cost of serving a client, you can’t price the relationship accurately.

Profitable on Paper, Short on Cash

You’re invoicing more than ever but the bank balance doesn’t reflect it. Invoices drift to 45, 60, 90 days past due. Without regular AR aging reviews, you don’t catch slow payers until the situation is already a problem. One large client paying late can ripple through your entire operation.

Pricing Without Real Cost Data

You bid on new contracts or set rates based on gut feel and rough math. The fully loaded cost of labor, subcontractors, overhead, and the financing cost of slow payment never make it into the calculation. The deal looks great when you sign it. The true cost reveals itself months later in the financials.

What Changes

You know exactly which clients and service lines generate real profit after all costs are accounted for. Pricing decisions come from actual data, not estimates. When a new opportunity shows up, you can evaluate it against your real margins and decide whether the terms make sense for your business. You stop accidentally taking on work that loses money.

Cash flow becomes something you can plan around instead of react to. AR aging gets monitored so overdue invoices are addressed before they become write-offs. Tax obligations are planned for throughout the year with quarterly estimates based on your actual numbers. Your financial statements are clean, current, and ready when a bank asks for them or when you need to make a decision about hiring, expanding, or investing in new capacity.

Confident Pricing and Smarter Growth

Historical profitability data by client type and service line takes the guesswork out of new proposals. You see what similar work actually cost in the past and price accordingly. Growth decisions are backed by real numbers. You pursue the contracts and client relationships that consistently deliver strong margins.

Clean Books and Proactive Tax Planning

Monthly financials closed on time. Quarterly estimates calculated so April isn’t a surprise. Year-end tax preparation that captures every deduction your business structure allows. Financial statements that hold up when a lender, partner, or potential acquirer wants to see them. You run the business on real numbers instead of hoping the bank account is roughly right.

Greater Nashville's Trusted Financial Partner

The Next Step:
A Quick Conversation

Tell us about your business and where you need support. We'll listen, figure out what makes sense for your situation, and give you a straightforward quote.

Get Started