Present & Future specializes in Merchant Cash Advance (MCA) bookkeeping with a deep understanding of the industry’s unique financial complexities. Unlike general bookkeeping services, we focus on MCA-specific accounting, including:

• Daily reconciliation of fundings, ACH debits, and lockbox transactions to ensure precise cash flow tracking and minimize discrepancies.

• Automated tracking of receivables, RTR (Retrieval Rate) collections, and syndication splits to enhance investor transparency and merchant reporting.

• Real-time cash flow management, including split funding oversight, stacking analysis, and default risk monitoring, to optimize funding cycles and mitigate exposure.

• Custom financial reporting tailored to MCA portfolios, featuring deal performance tracking, factor rate analysis, and RTR vs. actual collection variance reporting.

• Regulatory compliance monitoring to ensure adherence to state and federal MCA guidelines, usury law considerations, and best practices for merchant agreements.

Our expertise in MCA bookkeeping ensures that your business remains organized, financially stable, and ahead of the competition.

To learn more about how we can optimize your MCA financial operations, visit our Services Page for a detailed breakdown.

Getting started is simple. You can schedule a free first-time consultation where we’ll discuss your bookkeeping needs, assess your current financial setup, and develop a customized plan to streamline your financial management.

If your situation is urgent or requires immediate attention, you can contact us directly at:

📞 (305) 814-7284
📧 presentandfuture@protonmail.com

We’re here to help, whether you need a full financial overhaul, ongoing bookkeeping support, or urgent cleanup services. Let’s take the first step toward organized, stress-free financial management today!

📅 Schedule A Free Consultation

We offer both remote and in-person bookkeeping services, but we specialize in remote bookkeeping, allowing us to efficiently serve clients nationwide.

For businesses located in Miami, FL, or elsewhere in Florida, we can coordinate in-person meetings when necessary. If your financial situation is complex or significantly backed up, we will arrange in-person visits to clean up, organize, and streamline your bookkeeping. Once everything is in order, we transition you to a fully remote system for a faster, more efficient, and modern approach to financial management.

We offer a full spectrum of bookkeeping services, ranging from Full-Charge Bookkeeping to fully customized financial solutions and more complex services tailored to your business needs. Our core services cover financial management, reporting, tax preparation, payroll, and more, ensuring that your business stays organized, compliant, and financially healthy.

To explore our full range of services and find the best solution for your business, visit our Services Page for a detailed breakdown.

Yes, we do. We have extensive experience across various industries and sectors, working with businesses at every stage—from startups to mid-sized companies and large enterprises. Our services are designed to scale with your business, ensuring you receive the right financial guidance and support as you grow.

We understand that each industry has unique financial needs, and we tailor our bookkeeping solutions accordingly. Notably, our expertise in the Merchant Cash Advance (MCA) sector sets us apart, and we prioritize clients in this field with specialized, top-tier solutions. Whether you’re launching a new business, expanding operations, or managing a well-established company, we provide the expertise and structure needed to keep your finances running smoothly.

We use a wide range of accounting software and are highly flexible when it comes to adapting to your preferred systems. While QuickBooks is a core part of our expertise—including setup, cleanup, and training—we are not limited to it.

We can seamlessly onboard and work with any bookkeeping or accounting software you prefer, whether it’s Xero, FreshBooks, Wave, NetSuite, Sage, Zoho Books, or any other financial platform. Additionally, we have experience integrating AI-driven financial tools and automation solutions to optimize efficiency.

If we haven’t used a particular software before, we’ll learn it. Most accounting platforms share the same core concepts and features, with differences mainly in layout and format. Our expertise allows us to quickly adapt, learn new systems on the go, and integrate seamlessly into your workflow. No matter what platform you use, we are fully equipped to support your business with a customized and adaptable bookkeeping approach.

We take client confidentiality and data security seriously, implementing strict protocols to protect your financial information at all times.

For secure communication, we use encrypted messaging platforms such as Signal, WhatsApp, and Telegram (Secret Chats only) to ensure sensitive discussions remain private. While Slack, Skype, Google Hangouts, and Google Voice offer encryption in transit, they do not provide full end-to-end encryption, so we use them selectively based on the level of sensitivity.

For file transfers, we avoid using email for sensitive data and instead use secure file-sharing platforms like FileShare, ProtonDrive, and Tresorit, ensuring that your financial documents remain private and protected.

All our servers and systems are safeguarded with VPNs, multi-layered security protections, and restricted access controls, ensuring that only authorized personnel can access your financial data. For video conferencing, we use Zoom with end-to-end encryption enabled or Microsoft Teams, which encrypts calls and messages in transit and at rest.

Additionally, we have Cloudflare protection in place to defend against cyber threats, DDoS attacks, and unauthorized access attempts on our website. Our core development team actively monitors and maintains our website’s security, implementing the latest security measures to ensure a safe and protected digital environment for our clients.

Security isn’t just a feature—it’s a priority in everything we do.

Yes, we offer comprehensive payroll processing services, ensuring that your employees are paid accurately and on time while keeping your business compliant with tax regulations. We can integrate with your existing payroll provider or manage everything through QuickBooks, Gusto, ADP, or other payroll platforms based on your preference.

Our payroll services cover everything from setting up and processing payroll to handling tax compliance and filings. We manage direct deposits, paycheck generation, and ensure that all federal, state, and local payroll taxes are calculated and filed correctly. If your business offers benefits like 401(k) contributions, health insurance, or PTO, we track and manage those as well. For companies that work with contractors, we also process payments and handle 1099 filings.

If you need payroll reports or reconciliations, we provide clear and detailed financial records to help you stay on top of payroll expenses. Whether you need just payroll processing or a full financial management solution, we can accommodate your needs. Payroll is also included in our Full-Charge Bookkeeping package, making it easy to streamline all of your financial operations in one place.

To learn more about our payroll services and packages, visit our Services Page for a detailed breakdown.

Our financial reporting services provide accurate, real-time financial insights tailored to your business needs. We prepare general ledgers, profit & loss statements, balance sheets, and cash flow projections, along with any other reports necessary to support your decision-making process.

Unlike one-size-fits-all reporting, we customize financial reports to match your specific business requirements. Whether you need detailed monthly reports, performance tracking, or specialized financial breakdowns, we can modify and adapt the reports to fit your workflow.

Our flexibility allows you to control the types of reports you receive, ensuring that you get the right financial data at the right time. Whether you’re looking for in-depth financial analysis or simple summaries to track performance, we provide the insights you need to stay informed and make confident business decisions.

To learn more about our financial reporting services and available packages, visit our Services Page for a detailed breakdown.

Yes, we help businesses collect, track, report, and remit sales tax to the appropriate government authorities to ensure full compliance and avoid penalties. Managing sales tax can be complex—especially for businesses operating in multiple states or dealing with online sales—but we ensure everything is handled accurately and on time by collaborating closely with your CPA or our in-house expert CPA.

We assist with sales tax registration, filing frequency management, multi-state tax compliance, and audits, ensuring your business stays current with evolving tax laws. Our team works hand-in-hand with expert CPAs to monitor state and local tax rate changes, apply the correct rates to your products or services, and reduce the risk of underpayment or overpayment.

If your business requires customized tax reporting or automation, we integrate advanced tools to streamline the process, making tax filings simple and efficient. Whether you need quarterly, monthly, or annual filings, our CPA collaboration ensures every detail is managed professionally so you can focus on running your business.

To learn more about our sales tax reporting services, our CPA partnership approach, and available packages, visit our Services Page.

Yes, we help businesses manage accounts receivable by tracking outstanding invoices, ensuring timely payments, and improving cash flow. We handle invoice generation, follow-ups, and customized collection strategies to minimize bad debt and maintain steady revenue.

We prepare detailed aging reports to give you a clear view of outstanding balances and identify overdue payments. If needed, we conduct polite but firm collection calls and follow-ups to encourage on-time payments while maintaining positive client relationships.

Our approach is designed to reduce late payments, improve cash flow, and streamline your accounts receivable process, so you can focus on running your business without the stress of chasing unpaid invoices.

To learn more about our accounts receivable services and available packages, visit our Services Page.

Yes, we work closely with CPAs to ensure accurate financial records, proactive tax planning, and full compliance with all regulatory requirements. Whether you already have a CPA or need one, we can seamlessly coordinate with your existing tax professional or provide access to our in-house CPAs, who specialize in a variety of tax strategies, including complex filings and crypto-specific taxation.

We ensure that your financial records are tax-ready year-round, making tax season smooth and stress-free. Our team collaborates with CPAs to optimize deductions, minimize tax liabilities, and plan ahead so you’re always prepared for quarterly and annual filings.

By maintaining clean, organized financials and working directly with tax professionals, we help you avoid last-minute surprises and ensure complete tax compliance.

To learn more about how we integrate with CPAs and our tax compliance services, visit our Services Page.

Since each client requires a specific workflow and customized services, pricing is determined based on your unique needs, current bookkeeping position, and required level of support.

Before providing a quote, we first need to assess your situation. If your books need catch-up work, reconciliation, or cleanup, that may require more time initially. If your bookkeeping is already organized but you need additional services, we’ll create a pricing structure that aligns with your business needs.

Pricing is not one-size-fits-all—it depends on factors like transaction volume, business size, reporting needs, payroll requirements, and automation preferences.

The best way to determine your cost is to schedule a free consultation, where we’ll evaluate your bookkeeping setup and provide a tailored plan that fits your budget.

📅 Schedule A Free Consultation

We offer flexible payment options to accommodate our clients. We accept payments via ACH bank transfer, debit/credit cards, PayPal, Zelle, Cryptocurrencies, and wire transfers. For long-term clients, we also offer automated billing options for added convenience.

If you have a specific payment preference, let us know, and we will do our best to accommodate it.

Turnaround times depend on the complexity of your books and the services required.

For ongoing bookkeeping clients, we provide weekly, bi-weekly, or monthly updates, ensuring that your financials remain up to date in real-time.

For catch-up bookkeeping or cleanups, the timeline varies based on how much work needs to be done. Small catch-ups may take a few days, while larger reconciliations or multi-year cleanups may take a few weeks.

For urgent cases, we offer expedited services to meet tight deadlines. If you need fast turnaround bookkeeping, let us know, and we will prioritize your request.

If you have a specific timeline in mind, we recommend discussing it with us during your consultation so we can tailor a solution that meets your deadlines.

Yes, we do. We have dedicated Cryptocurrency Tax Professionals who specialize in digital asset taxation, ensuring that your crypto transactions are accurately tracked and reported for tax compliance.

If you haven’t been tracking your transactions, we highly recommend working with one of our Crypto CPAs, who will guide you through the process and help you get everything organized. If you already track your crypto activity with cost basis and proceeds, we can continue tracking it for you, maintaining detailed records to ensure compliance.

To keep everything up to date, you’ll need to fill out a tracking sheet each time you make a transaction, allowing us to properly record and categorize your trades, transfers, and holdings. We understand that crypto is still the Wild West, but by maintaining good records of your transactions, you can stay compliant and keep the IRS away.

If you need assistance with crypto bookkeeping, tax reporting, or portfolio tracking, we’re here to help. Let’s make sure your digital assets are properly accounted for.

Yes, we provide notary services. Our team is highly experienced in notarizations and offers both online and in-person options. For documents that don’t require a wet stamp, we offer secure online notary services that meet legal standards. If a wet stamp or physical signature is required, we provide in-person notarizations within the State of Florida. Please let us know your specific needs, and we’ll ensure your documents are handled accurately and in compliance with all regulations.