Up Top Bookkeeping LLC

05/20/2026

The bank didn't deny your loan, your books did. Even if you know you're making money the bank wants to see documents proving that. They don't operate just one someone's word. If your books aren't in order the banks won't be able to make sense of your finances which could leave you surprised when they think you're more of a red flag. Having your balance sheet up to date and accurate is the best way to convince the banks you can manage the loan. Want to talk and make sure your books look good to the banks when applying for loans? I'm here to help.

05/11/2026

A business with poor bookkeeping is like a boat without a rudder. It might go places but you have no control where.

05/04/2026

Do you know your numbers? You're making money so what's the worst that could happen? Well, you could be denied a loan or not get as much as you thought because the bank isn't satisfied with your finances. You could be overpaying in taxes on income you haven't actually made. You could be unknowingly lying to yourself about how good your business is doing. All of these situations are completely avoidable if you have a system in place to properly manage and record your financial happenings. Making money is good but knowing what's going on with it is better.

04/27/2026

Ever feel like you're doing everything right but things still aren't adding up? You got a good idea that people want and the work ethic to make it happen yet things don't feel like they're taking off. You feel like your business should be more successful than it is but the reality is that many businesses go under because they don't understand their cash flow or their lack of bookkeeping is causing them to make uninformed decisions. Bookkeeping isn't something that will just work itself out as time goes on. In fact, it's quite the opposite. If you've been struggling to make sense of things and want to feel empowered to improve your business I would love to chat and see how we can get things turned around.

02/12/2026

Tax season doesn't have to make you feel stressed and behind. Trying to catch up on your books and record keeping while still doing everything else is likely to end in a tired crash. Having a trusted partner to make sure your numbers make sense and keep you in compliance while you continue to manage the business is a life saver. Not only will you have everything organized and making sense but you can continue at full steam ahead like nothing happened. I would love to make this a reality for your business. Contact me to see how I can help.

06/30/2025

A client of mine was curious why they were bringing in money but it didn't appear to be showing on their P&L statement. Part of their business was hosting events for people where they would take deposits prior to the event. When they received the deposits they were correctly putting the money into a liability account as it's unearned income until the event takes place. The problem was that after the events took place there was nobody clearing out the liability and moving the money to an income account. It's an honest mistake but the effect of it was that they didn't truly know how much income they were making and their books had overstated liabilities. A simple problem like this can lead to stress and headaches you don't want or need to deal with. Once we got that figured out and started recording the money properly again they felt a lot more at ease and were able to get that confidence back. Knowing exactly what's going on with your business is everything you need to feel empowered to be successful. Feeling like you're missing some of the picture for yourself? Let's figure it out together and make it make sense again.

06/25/2025

Confusion; Not exactly the word that comes to mind for most people when they think about owning their own business however, it is one of the most common feelings business owners have. Confused about why there isn’t as much money in their bank account as they thought based on all of the income on the books. Confused because you have liabilities that aren’t shrinking or going away even though you’re making payments towards them. Confused why things aren’t adding up even though you feel like you’re doing good business. Ultimately, it boils down to confusion about what’s really going on with the money. Some business owners think that just because money is coming in means the rest will take care of itself and this is simply not the case. Worse is when that confusion lasts long enough to turn into stress not only about the future of your business but your own personal financial situation. Everyone has felt the confusion at some point in running their business but that doesn’t mean you have to let it get worse. Clarity is the solution to confusion and having a system in place to properly and accurately record everything happening is the best way to gain that clarity. I specialize in helping business owners achieve that clarity so they can confidently do what they specialize in. If you’re looking for help or someone to do it all for you I would be happy to get to know your business a little bit and find a way forward.

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05/01/2025

You're a business owner full of ambition and big dreams. There's no stopping your enthusiasm for the future. You're in a good mood as you head to the bank for a meeting to secure funding for your next big project to scale your business. Are you prepared? What questions do you think they will ask you? If you're assuming that your loan is a certainty just because you have a business name, logo, and website you may be in for a rude awakening. Remember, banks are in the business of money which means that's what they are concerned about and interested in from you. They are not here to judge how creative your logo is or how easy your website is to navigate. They want to know that they will get their money back and then some. So, how do you think they will go about determining if they will or won't give you the money? They're going to be interested in your P&L and balance sheet reports. The P&L will tell them how much you're making as well as an idea of your expenses. The balance sheet will tell them how many liabilities you already have as well as any assets you have that could be used as collateral. Don't think that it's a done deal though just because your P&L shows consistent and strong income because that alone doesn't mean you're financially sound. They may also be interested in a statement of cash flow report which will give them a much better idea of your ability to pay back the loan than just the P&L. The statement of cash flow will show all the incoming and outgoing money for your business so if you're income is $10,000 per month but your expenses are also very high they will see that and start to question if they want to give you the loan. How can you avoid this and ensure you always get the loan you applied for to help your business? Well, there's only one way and that's to stay up to date on your bookkeeping with accurate records. Need help making this a reality for your business? Let's talk and see how I can get your business in better financial shape!

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03/19/2025

Do you ever put your bookkeeping on the back burner and focus only on making sales and running the business thinking it will all work itself out? What's the worst that can happen right? A lot actually. Problems that can arise from this range from fines and penalties, not knowing where your money is going, or worse, you have to close your business. Nobody wants any of that. Having your books organized and detailed can significantly benefit your overall financial health. Errors in financial statements can lead to misguided business decisions or compliance issues. By ensuring your records are accurate and up to date not only will you reduce your tax liability and avoid potential penalties but you will be empowered with the information to make the business decisions that will actually make a difference. There's no better time to get your books in better shape than now. If you want help making better sense of your business and feeling like it's profitable then let's chat. Talking is free!

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11/13/2024

Your business is just as unique as you are! So why would you want to deal with one size fits all business solutions? That's why at Up Top Bookkeeping LLC I offer customized reports and personalized service tailored to your specific needs. That way you get the most detailed information with everything you want and nothing you don't. Discover how I can help your business thrive by contacting me today!

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