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Notes on running a business.

Practical guidance on cash flow, accounting, and the decisions that come with running a business.

Articles — Page 5

Advisory & Decision-Making
August 5, 2026
10 min read

Startup Bookkeeper vs Controller vs CFO: Who to Hire When

Bookkeeper, controller, CFO — three distinct finance roles that serve very different purposes at different stages of startup growth. Here's exactly who does what, and when to hire each.

Buyer Comparisons
August 4, 2026
10 min read

When Should an Agency Move from Bookkeeper to Accounting Firm?

Most agencies outgrow a bookkeeper before they realize it. Here are the clear signals that it's time to move to a full accounting firm — and how to make the transition without disrupting your close.

Agency/Service-Business Profitability
August 3, 2026
10 min read

Bookkeeper vs Finance Operations Partner: Agency Guide (2026)

A bookkeeper records transactions. A finance operations partner turns those numbers into decisions. Here's how to know which one your agency actually needs — and when you've outgrown the first.

Buyer Comparisons
August 2, 2026
10 min read

Finance Operations Partner vs Fractional CFO: Agency Guide

Not sure whether your agency needs a finance operations partner or a fractional CFO? This guide breaks down the real differences, costs, and when each role makes sense for marketing and service agencies.

Buyer Comparisons
August 1, 2026
10 min read

Accounting Firm for Marketing Agencies vs. Generalist CPA: How to Choose

A generalist CPA can handle compliance, but marketing agencies have finance problems that require industry-specific expertise. Here's how to decide which type of accounting firm is right for your agency.

Advisory & Decision-Making
July 31, 2026
10 min read

Cash Runway Scenarios: A Founder's Guide to Hiring Decisions

Cash runway scenarios show you exactly how hiring and growth decisions affect your survival window — before you make them. Learn how to model base, upside, and downside cases to make confident decisions without running out of cash.

Monthly Close & Financial Operations
July 30, 2026
11 min read

Startup Finance Stack: QuickBooks, Gusto & Ramp (2026 Guide)

The right startup finance stack — QuickBooks Online, Gusto, and Ramp — gives founders clean books, controlled spend, and reporting they can actually act on. Here's how to set it up and what to watch for.

Advisory & Decision-Making
July 29, 2026
11 min read

When Should a Startup Hire Its First Finance Lead?

Most startups wait too long to make their first finance hire — and pay for it in messy books, missed signals, and expensive cleanup. Here's how to know exactly when the time is right.

FAQ

Before we talk.

A few practical details, so you know what to expect.

Where can I see an example of Laya’s monthly reporting?
The Sample Close page shows an illustrative agency close with financial statements, client margins, and operating insights. It is an example, not an actual client result.
Which plans include monthly accounting?
Base, Summit, and Peak include monthly accounting. Base starts at $500 per month. Vista is advisory only for businesses with an existing accounting team. See Pricing for inclusions and billing terms.
How should I use the examples and calculators?
Use them to explore a decision with your own inputs. Illustrative figures are not industry benchmarks or a forecast for your business. Check the assumptions and consult your accounting advisor before acting.

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Disclaimer: The articles and FAQs on this page are for general informational purposes only and do not constitute financial, tax, legal, or accounting advice. The information provided is not a substitute for consultation with a qualified professional. Consult a licensed accountant, CPA, or financial advisor for advice specific to your situation.