Bookkeeping and financials for a gutter company
Gutter companies fail on cash timing more often than on sales. October and November bring in the year, then January and February bring in almost nothing while trucks, insurance and any year-round staff keep costing the same. Owners who do not plan for it spend the leaf-season cash in December and borrow in February on bad terms.
Clean books answer the two questions that change decisions. What does a crew hour cost you fully loaded, including truck, fuel, insurance and workers comp, and what is the gross margin on each service line separately. Cleaning, repair, seamless installation and guards have very different margins, and owners routinely find they have been chasing the busiest service rather than the profitable one. Monthly bookkeeping at this size typically runs $250 to $600.
After two weeks you will not have a trend. You will have a clean prior month, a real crew-hour cost, and a reserve target sized to your winter gap.