Accurate, GAAP-ready financials for fast-growth tech, fintech, and crypto-native companies. Ridgeway Financial Services delivers accounting and bookkeeping support designed for the operational realities of digital businesses: high transaction volumes, multi-entity structures, software revenue mechanics, crypto-native subledgers, and the audit-grade reporting that institutional investors expect. Our team brings CPA credentials and Big Four backgrounds, working as part of your finance function alongside founders, fractional CFOs, auditors, and tax preparers.
What’s Included
Core accounting and bookkeeping scope, with capabilities that scale alongside your company.
- Monthly close and financial reporting
- Bank, card, and payment platform reconciliation
- ASC 606 revenue recognition for subscription, usage-based, and platform models
- Multi-entity and multi-currency consolidation
- GAAP-aligned chart of accounts and accounting policies
- Audit-ready documentation and support schedules
- Software capitalization under ASC 350-40
- Coordination with auditors, tax preparers, and other advisors
Fractional Controller Services
For companies that need a step up from clean books to a controlled, scalable finance function. A fractional controller from RFS brings structure, oversight, and review discipline to your accounting operations through firm-backed processes already built for high-growth companies.
- Controller-level ownership of the monthly close
- Review and validation of financials before they reach leadership
- Internal controls and approval workflows
- Oversight of bookkeepers and accounting staff
- Standardized processes applied across systems and entities
- Audit-ready financial reporting and investor diligence support
Industry-Specific Accounting Expertise
SaaS accounting and tech startup accounting
- ARR and MRR reporting
- Churn, retention, and deferred revenue tracking
- Billing and subscription reconciliation
- Software development cost capitalization
Crypto accounting and digital asset accounting
For exchanges, custodians, miners, token projects, and the broader digital asset industry.
- Wallet, exchange, and custodian reconciliation
- Subledger tracking for tokens and stablecoins
- Classification of digital asset activity under GAAP
- Crypto-native accounting tooling (Bitwave, Cryptio, Lukka, Tres, Cryptoworth)
Fintech accounting and payments accounting
For payments, lending, neobanks, embedded finance, and the broader fintech industry.
- Transaction and settlement reconciliation
- Processing fee and revenue split categorization
- Reserve and clearing account tracking
- Customer fund (FBO) account reconciliation
When to Engage Accounting Support
Common signals that companies are ready to move beyond founder-led bookkeeping or basic SMB accounting: monthly transaction volumes exceeding what spreadsheets can handle, ASC 606 revenue recognition becoming material, approaching first audit or institutional fundraise, multi-entity or multi-currency complexity entering the picture, and the need for clean, GAAP-aligned financials that support investor diligence. Earlier engagement (before audit or fundraise pressure) generally produces better results than reactive engagement under deadline.
How We Work
Engagements are monthly retainers with scope adjusted to your transaction volume, entity structure, and reporting cadence. We work in client-preferred general ledger systems (NetSuite, Sage Intacct, QuickBooks) with the appropriate subledger tooling for crypto, payments, or other industry-specific needs. Our team coordinates directly with auditors, tax preparers, fractional CFOs, and other advisors. For companies that need additional finance support, accounting scope combines naturally with our fractional CFO services and consulting services under one integrated engagement.
Frequently Asked Questions
What’s the difference between bookkeeping, accounting, and fractional controller services?
Bookkeeping is the day-to-day recording of transactions: categorizing expenses, reconciling accounts, and keeping ledgers current. Accounting builds on bookkeeping with GAAP-aligned reporting, technical accounting work (ASC 606, ASC 350-40), and the financial statements that investors and auditors expect. A fractional controller adds a layer of oversight on top: review and validation of financials before they reach leadership, internal controls, process standardization across entities, and the institutional discipline that scaled companies need. Most engagements include all three layers; the proportions adjust based on stage and complexity.
When should we bring in an external accounting team?
Common triggers include monthly transactions outgrowing spreadsheets, ASC 606 or other technical accounting becoming material, approaching first audit, preparing for institutional fundraise, adding multi-entity or multi-currency complexity, or when founder time spent on accounting starts to compete with product, sales, or fundraising priorities. Earlier engagement before a triggering event generally produces better results than reactive engagement under deadline pressure.
How much do your accounting and bookkeeping services cost?
Pricing varies based on transaction volume, entity structure, reporting cadence, industry-specific complexity, and the level of support required. Most engagements are structured as monthly retainers, with scope tailored to the specific needs of the business. The right fee can only be determined after a conversation about what support is actually applicable, whether that includes bookkeeping, GAAP-aligned monthly close, fractional controller oversight, multi-entity consolidation, technical accounting, or coordination with auditors and tax preparers.
Reviewed by YR, CPA
Senior Financial Advisor