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Operations
November 10, 2025
5 min read

The True Cost of a 45-Day Close

When your books close 45 days after month-end, you're making today's decisions with yesterday's data. Here's what that actually costs you.

Varun Annadi

Founder & CEO — Former Apple & Google

Your bookkeeper sends the December close in mid-February. That's 45 days after month-end — pretty standard for most agencies.

Here's what those 45 days actually cost you.

Delayed decisions. When you can't see current numbers, you delay decisions. That hire you've been considering? You wait another month to be sure. That client rate conversation? You push it off. Every delayed decision has an opportunity cost.

Increased risk. Without current data, you're flying blind. Cash flow surprises hit harder because you didn't see them coming. Profitability problems compound because you catch them too late.

Spreadsheet scrambling. Most founders compensate for slow closes by building their own tracking spreadsheets. Hours spent maintaining shadow systems that duplicate work your bookkeeper should be doing.

Board meeting stress. If you have investors or a board, the weeks before quarterly meetings become a scramble. Pulling together accurate numbers when your books are perpetually behind is exhausting.

Lost confidence. The longer the close takes, the less you trust the numbers. When you don't trust your data, you make decisions based on gut feel instead of evidence.

The math gets worse at scale. A 45-day close might be manageable at $500K revenue. At $2M, the stakes are higher. At $5M, the cost of delayed information can be existential.

What does a 10-day close actually change?

By day 10, you have complete financials for the prior month. P&L, balance sheet, cash flow — all reconciled and reviewed. You're making February decisions with January data, not November data.

That's the difference between proactive management and reactive scrambling.

At Laya, we guarantee a 10-day close. Not because we work faster than other bookkeepers — because we've built systems that make speed possible without sacrificing accuracy.

Stop managing your agency with a 45-day delay. Your decisions deserve better data.

Want to see this in action?

Book an intro and we'll show you exactly how Laya can help your business.