Small Business Finance

Cash vs. Accrual Accounting Explained Simply

One records when money moves. The other records when work is done. Here's how to choose.

Cash Basis

Records income when cash is received and expenses when cash is paid. Simple and intuitive. Most small service businesses default to this.

Accrual Basis

Records income when it's earned (even before payment) and expenses when they're incurred (even before payment). Better for businesses with inventory, long sales cycles, or extended payment terms.

Which Is Right for You?

That's a CPA conversation - there can be tax and reporting implications either way. We can keep books on either basis; your CPA will recommend which to use.

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