Xero bookkeeping for US small businesses

SF Business Solutions works inside your own Xero organisation, not a copy, so the file and its history stay yours if you ever leave. Each month the work runs in the same order:

• Bank and card feeds bring transactions into Xero, and bank rules code the repeat ones.
• We code the rest and send you a short list of the ones we cannot identify.
• We reconcile every bank, card and loan account to its statement in Xero.
• We book month-end adjustments: accruals, depreciation, loan interest and payroll entries.
• We close the month between the 5th and the 15th of the following month, depending on when your documents arrive, and send the reports.

The SF Business Solutions team is certified as Xero Advisor and in Xero Payroll, and is also QuickBooks Online Certified ProAdvisor and QuickBooks Online Advanced. Our team includes a licensed CPA.

Certification matters most in the parts of Xero that go wrong quietly: bank rules that code transactions to the wrong account for months, duplicate transactions from a feed that reconnected, and invoices marked paid against the wrong deposit. A certified team knows where to look for each one.

Every month SF Business Solutions sends a profit and loss, a balance sheet and a cash flow statement from Xero. If you invoice customers or pay suppliers on terms, you also get the receivables and payables aging, so you can see who owes you and whom you owe.

If you track departments, locations or projects, Xero's tracking categories can split the profit and loss by each one. We can set them up so the split is right from the first month rather than fixed at year end.

Stripe, PayPal, Shopify and Square pay out net of fees and refunds, so deposits never match sales. SF Business Solutions records gross sales, fees and refunds separately in Xero and matches each payout to its bank deposit.

SF Business Solutions also runs payroll and records each payroll in Xero, split into wages, employer taxes and benefits. At year end we prepare and file your business tax return from the same books, so the numbers in Xero and on the return match.

If your books are in QuickBooks Online, SF Business Solutions can keep them there; the team is certified in both. If you are choosing between the two, pick the one your accountant, your bank and your other apps already work with, then keep it.

Best for a US small business that already runs on Xero and wants the books, payroll and the tax return from one team: SF Business Solutions. Most clients pay $250–$750 a month, and the price follows your transaction volume and how many accounts we reconcile.