Industries we serve
eCommerce
Shopify, Amazon, DTC brands — COGS, inventory, and multi-channel revenue management.
Learn more →Real Estate
Investors, operators, and developers — entity structures, cost segregation, and portfolio reporting.
Learn more →B2B Services
Agencies, consultancies, and SaaS — project profitability, utilization, and recurring revenue.
Learn more →Manufacturing
Product and inventory businesses — COGS tracking, production costs, and margin by SKU.
Learn more →Agencies & Service
Creative and professional services — project-based P&L, utilization, and client profitability.
Learn more →Multi-Entity
Holding companies and portfolios — consolidated reporting, intercompany eliminations, and entity-level visibility.
Learn more →Industry-specific finance — not generic bookkeeping
A generalist accountant records what happened. TMA Finance builds the financial infrastructure your specific business model demands — from chart of accounts design to KPI frameworks tuned to your industry.
Chart of Accounts Built for Your Model
Generic CoA structures hide margin. We design account hierarchies that surface the metrics your industry actually runs on — COGS by SKU, revenue by entity, or utilization by project.
KPIs That Match How You Compete
eCommerce tracks LTV:CAC and contribution margin. Real estate tracks NOI and cap rate. We build dashboards around the numbers that actually drive decisions in your sector.
Compliance Shaped to Your Sector
Tax treatment, revenue recognition, and reporting requirements differ sharply across industries. We stay current on the rules that apply to your business — not a one-size-fits-all checklist.
Faster Onboarding, Fewer Questions
When your finance team already speaks your industry's language, onboarding takes days — not months. No explaining what a chargeback is or how intercompany loans work.
Benchmarks That Mean Something
We bring industry-specific benchmarks so you know whether your gross margin is healthy, your DSO is competitive, or your payroll-to-revenue ratio is drifting out of range.
Scalable as Your Model Evolves
Launching a new revenue stream, adding an entity, or expanding internationally? Industry-specific infrastructure adapts — you don't have to rebuild your finance stack from scratch.
What growing businesses get wrong about finance
These are the most common problems we see when a business outgrows its bookkeeper but hasn't yet built a real finance function.
Month-end closes that take 3+ weeks
When your books aren't structured for your business model, reconciliation becomes a manual slog. You get financials too late to act on them.
P&L that doesn't reflect how you actually make money
Revenue lumped together, COGS misclassified, and overhead allocated arbitrarily. The result: you can't see which product, client, or channel is actually profitable.
Cash surprises that blindside the team
Profitable on paper, cash-poor in practice. Without rolling cash flow forecasts built around your industry's payment cycles, surprises are inevitable.
Finance that can't keep up with growth
A bookkeeper who worked fine at $500K ARR becomes a bottleneck at $3M. You need a finance function that scales with your business — not one you outgrow every 18 months.
What every TMA engagement includes
Regardless of your industry, every client gets the same foundational infrastructure — then we layer on the industry-specific work on top.
Dedicated Controller
A senior finance professional who owns your books and is accountable for accuracy and timeliness — not a rotating junior team.
Industry-Tuned Chart of Accounts
Built or restructured to match your revenue model and cost structure — so your P&L actually reflects how your business works.
Monthly Close Package
Fully reconciled P&L, balance sheet, and cash flow statement delivered within 5 business days of month-end, every month.
KPI Dashboard
Tracks the metrics that matter for your industry — gross margin, DSO, burn rate, NOI, utilization, or LTV:CAC.
Cash Flow Forecast
Rolling 13-week forecast updated monthly so you always know where your cash is going before it leaves.
Accounts Payable & Receivable Management
Vendor payments, client invoicing, collections follow-up, and aging reports — fully managed.
Tax-Ready Financials
Books maintained to CPA-ready standard year-round — clean categorization and documentation, no year-end scramble.
Strategy Calls — As Needed
Access to your controller whenever the numbers need a conversation — before a big decision, after a rough month, or when something doesn't add up.
How we get started
From first call to fully operational finance function — most clients are fully onboarded within two weeks.
Discovery Call
We spend 30–45 minutes understanding your business model, current finance setup, pain points, and goals. We'll tell you honestly whether TMA is the right fit — and if not, point you in the right direction.
Onboarding & Setup
We audit your existing books, restructure your chart of accounts, connect your tools, and build your reporting templates. Most clients are fully operational within 10–14 business days.
Ongoing Finance Partnership
Monthly closes, KPI reporting, cash flow forecasts, and strategy calls as needed — delivered consistently every month. As your business grows, we grow with you.
Common questions about industry-specific finance
Yes — the listed industries represent our deepest specialization, but we work with a wide range of business models. If your industry isn't listed, book a discovery call and we'll tell you whether our approach is a strong fit for your specific model.
Bookkeepers record transactions. CPAs file taxes. TMA Finance does both — and adds a controller layer that interprets your numbers, builds financial infrastructure, and gives you the visibility to make better decisions. We're not a compliance shop; we're a finance function you can actually run your business on.
We work best with businesses generating $500K–$20M in annual revenue that have outgrown basic bookkeeping but aren't yet ready to hire a full-time CFO or controller. That said, we've worked with earlier-stage companies building the right foundation from day one, and with larger businesses that need a specific service layer.
Most clients are fully onboarded within 10–14 business days. The timeline depends on the state of your existing books and the complexity of your entity structure. We handle the heavy lifting — you'll need to provide access to your accounting software, bank feeds, and any existing reports.
Absolutely. Our infrastructure is designed to scale with you. If you launch a new business line, acquire a company, or expand into a new market, we restructure your reporting to accommodate the change — without starting from scratch.
Don't see your industry?
Book a call and we'll tell you whether TMA is the right fit for your business.