Ledger & Loom Bookkeeping & Payroll Book an onboarding callBook a call

Bookkeeping & payroll — Chattanooga, Tennessee

Money moves.
Someone has to write it down.

Monthly bookkeeping, payroll, bank reconciliation, invoicing and reporting — for solo founders and small teams who are done running the business off a spreadsheet.

Book an onboarding call See how the month works

The Tennessee River at first light, fog drifting over slow water — The Tennessee, from the north bank — moving whether or not anyone is watching.

The river doesn’t stop. Your books shouldn’t either. Ledger & Loom · Chattanooga, Tennessee

01 — Services

Five lines we read every month.

Every business has its own levels. These are the ones we watch, mark and write down — so nothing about your money has to stay a guess.

Invoices, receipts and bank statements sorted into neat piles on a counter — A month’s paperwork, sorted before it becomes a month’s problem.

Monthly bookkeeping

Your transactions categorized, your accounts matched, your month closed. We keep the record current so nothing piles up until spring.

Payroll processing

Payroll run on schedule for you and your team, with the filings and the paperwork that follow it handled alongside the books.

Bank reconciliation

Every statement line checked against the ledger, one at a time, so the balance on your screen is the balance you actually have.

Invoicing & AR support

Invoices out, reminders sent, the follow-up made before it turns into an awkward conversation. Money that is owed gets chased.

Financial reporting

A monthly read on profit, cash and where the money actually went — written in language, not just spreadsheets you have to decode.

02 — The month

Three depths,
one daybook.

Bookkeeping is usually described as a stack of tasks. We think of it as depth: the quick surface of the week, the steady current of the month, and the slow bed underneath where the real picture settles.

The week

Everything as it happens

Invoices out, bills paid, receipts filed the week they land. Small, steady work that keeps the record honest while the month is still going.

The month

The close, in full

Bank feeds matched line by line, payroll run on schedule, every account reconciled until the ledger and the statement agree. Then the month is done.

The long view

Numbers that hold up

Profit by month, cash on hand, where the money actually went — the figures you would show a lender, a partner, or yourself at the end of a long quarter.

Hands working through a paper ledger beside a laptop at a wooden desk — The daybook, at a kitchen table that doubles as an office.

03 — Getting started

Getting started is a conversation, not a project plan.

You don’t need clean books to begin. You need an hour, and a rough idea of where things stand.

An hour on the phone

We walk through how the business earns, how it spends, what you use to track it and where the mess is. No prep required.

We take the record from here

Access to your accounts, a look at what is behind, and a clear plan for bringing the books current if they are not already.

The first close

Your month closed, reconciled and reported. After that it runs on a rhythm — every month, the same way, recorded and yours.

04 — Who it’s for

Small teams, and the one person doing the books on a Sunday.

Ledger & Loom works with solo founders and small teams across Chattanooga — makers, contractors, studios, shops and practices — who have outgrown the spreadsheet but aren’t ready for a finance department. We’re the finance department, scaled to fit.

You’re running the business and the books, and the books keep losing.
The spreadsheet works, but you’re the only one who understands it.
You want to know your numbers without becoming an accountant.

A small-business owner at work in a workshop, mid-task — The work the books are supposed to be keeping up with.

A still pool of water reflecting dark trees at dusk

05 — Start here

Bring us your shoebox.

Tell us a little about the business and we’ll set up an onboarding call — a conversation about where your books are now and what it would take to keep them current.

One call, one hour. Then the movement starts again, and someone else is writing it down.

Money moves.Someone has to write it down.