ACCT / 1000
Bookkeeping
Transaction coding, bank and card reconciliation, accounts payable and receivable, and a clean month-end close you can hand to any lender or auditor.
Read more →Accounting & advisory
Books that balance.
Decisions that hold up.
Phyber Mart Financial handles the bookkeeping, tax position and financial reporting behind growing companies — so the numbers you make decisions on are numbers you can defend.
Small business & SME focus
Fixed-fee engagements
Federal & multi-state filing
US GAAP reporting
What we do
Four disciplines, one set of books
Most firms hand you a different contact for each service. We run them off a single ledger, so your tax position, your forecast and your loan file all agree with each other.
TAX / 2000
Tax strategy
Entity structure review, quarterly estimates, deduction planning and federal and state return preparation — handled across the year, not in a March scramble.
Read more →CFO / 3000
Virtual CFO
Budgets, 13-week cash-flow models, margin analysis and board-ready reporting. Executive-level finance without an executive-level salary on your payroll.
Read more →LOAN / 4000
Loan consultation
We assemble the financial package lenders actually ask for — statements, projections, debt schedules — and prepare you for the questions underwriting will raise.
Read more →SETUP / 5000
Cleanup & catch-up
Behind on your books? We rebuild prior periods, reconcile the gaps and get you back to a filing position you can sign off on with confidence.
Read more →SYS / 6000
Systems & payroll
Chart-of-accounts design, accounting software setup and migration, and payroll processing that keeps withholding and filings correct every cycle.
Read more →Our approach
We would rather be accurate than agreeable
Financial advice is only useful if it holds when the numbers are tested — by a lender, by a tax authority, or by a bad quarter. So we build every engagement on records that can withstand that scrutiny first, and give advice second.
That means telling you when a deduction will not survive review, when a forecast is optimistic, and when a loan is the wrong instrument for what you are trying to do.
- Month-end close delivered byDay 10
- Response to client queries1 business day
- Engagement pricingFixed fee
- Reporting standardUS GAAP
- Contract lock-inNone
Pricing
Fixed fees, quoted before we start
You get a written scope and a fixed price. No hourly billing, no surprise invoices at the end of the quarter.
TIER / 01
Bookkeeping
Quoted
fixed monthly fee
- Monthly reconciliation
- P&L and balance sheet
- AP / AR tracking
TIER / 02
Tax & compliance
Quoted
fixed fee per filing
- Federal and state returns
- Quarterly estimates
- Year-round planning
TIER / 03
Virtual CFO
Quoted
fixed monthly fee
- Cash-flow modelling
- Board-ready reporting
- Advisory sessions
Next step
Start with a look at your current books
A short call, no charge. We review where your records stand, flag anything urgent on the compliance side, and tell you plainly whether we are the right firm for it.