Finance

Solvency refers to a business’s capacity to fulfill its long-term financial obligations. It’s a crucial indicator of a company’s financial health, often assessed using various solvency ratios. The most basic measure compares assets to liabilities, with a solvent company having more assets than liabilities. While small business owners may focus on daily operations, understanding solvency is vital as creditors and investors use these ratios to evaluate a company’s long-term viability. Maintaining good solvency is essential for securing financing, attracting investors, and ensuring the overall sustainability of a business in the long run.

A Fractional CFO provides the same services as a full-time Chief Financial Officer but works part-time. This arrangement allows companies to access high-level financial expertise without the full-time commitment or cost. They help formalize financial processes, establish key performance indicators, and navigate critical growth stages. Fractional CFOs are particularly valuable for Series A or Series B startups, companies in transition, or those needing to improve profitability and financial systems. They offer targeted expertise, scalability, and can provide business owners with confidence in their financial strategy.

Grant accounting involves specialized financial management for funds received through grants. It requires strict adherence to compliance standards, detailed tracking, and accurate reporting to ensure funds are used according to the grantor’s requirements. This includes budgeting, revenue recognition, and preparation for audits. Services cover both government and non-profit grants, focusing on transparency, accountability, and maximizing the benefits of grant funding while mitigating compliance risks. Expert guidance is essential to navigate complex allocations, manage budgets effectively, and maintain organized documentation for audits.

Comprehensive Services, Nationwide Delivery

inDinero is a comprehensive nationwide CPA and financial services provider, offering its expertise to companies across all 50 states in the US. Through a combination of licensed CPAs, tax professionals, and cloud-based technology, inDinero navigates the complex landscape of multi-state tax compliance, financial reporting, and strategic advisory services. Our distributed team of experts is well-versed in state-specific tax laws and filing requirements, enabling them to handle federal, state, and local tax obligations seamlessly. 

Everywhere, with the Cloud

Our cloud-based platform provides real-time financial dashboards and integrates with popular accounting tools, allowing businesses to manage their finances remotely regardless of location. With scalable solutions starting at $750/month, we adapt to the needs of various industries, from startups to established companies, offering services such as bookkeeping, tax preparation, audit support, and even fractional CFO services. 

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State	Tax Preparation & Filing	Payroll Processing	CFO Advisory Services	Business Structure Analysis	Bookkeeping & Accounting	Sales Tax Compliance	Tax Credits & Deductions
Alabama	✓	✓	✓	✓	✓	✓	✓
Alaska	✓	✓	✓	✓	✓	✓	✓
Arizona	✓	✓	✓	✓	✓	✓	✓
Arkansas	✓	✓	✓	✓	✓	✓	✓
California	✓	✓	✓	✓	✓	✓	✓
Colorado	✓	✓	✓	✓	✓	✓	✓
Connecticut	✓	✓	✓	✓	✓	✓	✓
Delaware	✓	✓	✓	✓	✓	✓	✓
Florida	✓	✓	✓	✓	✓	✓	✓
Georgia	✓	✓	✓	✓	✓	✓	✓
Hawaii	✓	✓	✓	✓	✓	✓	✓
Idaho	✓	✓	✓	✓	✓	✓	✓
Illinois	✓	✓	✓	✓	✓	✓	✓
Indiana	✓	✓	✓	✓	✓	✓	✓
Iowa	✓	✓	✓	✓	✓	✓	✓
Kansas	✓	✓	✓	✓	✓	✓	✓
Kentucky	✓	✓	✓	✓	✓	✓	✓
Louisiana	✓	✓	✓	✓	✓	✓	✓
Maine	✓	✓	✓	✓	✓	✓	✓
Maryland	✓	✓	✓	✓	✓	✓	✓
Massachusetts	✓	✓	✓	✓	✓	✓	✓
Michigan	✓	✓	✓	✓	✓	✓	✓
Minnesota	✓	✓	✓	✓	✓	✓	✓
Mississippi	✓	✓	✓	✓	✓	✓	✓
Missouri	✓	✓	✓	✓	✓	✓	✓
Montana	✓	✓	✓	✓	✓	✓	✓
Nebraska	✓	✓	✓	✓	✓	✓	✓
Nevada	✓	✓	✓	✓	✓	✓	✓
New Hampshire	✓	✓	✓	✓	✓	✓	✓
New Jersey	✓	✓	✓	✓	✓	✓	✓
New Mexico	✓	✓	✓	✓	✓	✓	✓
New York	✓	✓	✓	✓	✓	✓	✓
North Carolina	✓	✓	✓	✓	✓	✓	✓
North Dakota	✓	✓	✓	✓	✓	✓	✓
Ohio	✓	✓	✓	✓	✓	✓	✓
Oklahoma	✓	✓	✓	✓	✓	✓	✓
Oregon	✓	✓	✓	✓	✓	✓	✓
Pennsylvania	✓	✓	✓	✓	✓	✓	✓
Rhode Island	✓	✓	✓	✓	✓	✓	✓
South Carolina	✓	✓	✓	✓	✓	✓	✓
South Dakota	✓	✓	✓	✓	✓	✓	✓
Tennessee	✓	✓	✓	✓	✓	✓	✓
Texas	✓	✓	✓	✓	✓	✓	✓
Utah	✓	✓	✓	✓	✓	✓	✓
Vermont	✓	✓	✓	✓	✓	✓	✓
Virginia	✓	✓	✓	✓	✓	✓	✓
Washington	✓	✓	✓	✓	✓	✓	✓
West Virginia	✓	✓	✓	✓	✓	✓	✓
Wisconsin	✓	✓	✓	✓	✓	✓	✓
Wyoming	✓	✓	✓	✓	✓	✓	✓

The Small Business Administration (SBA) is a U.S. government agency that supports small businesses by providing resources, advocacy, and access to funding. It helps entrepreneurs secure loans through partnerships with lenders by offering partial guarantees, reducing risk for banks and increasing financing opportunities for businesses. The SBA also provides educational programs, mentorship, and disaster relief assistance to help businesses grow and navigate challenges. Its goal is to promote small business development and strengthen the economy.

CAGR, or Compound Annual Growth Rate, is a financial metric that measures the average annual growth of an investment, revenue, or another value over a specific period. It represents steady, consistent growth, smoothing out short-term fluctuations to give a clearer picture of long-term performance. CAGR is commonly used to compare investment returns, business growth, or market trends, helping businesses and investors assess potential profitability. It does not account for market volatility but provides a reliable way to understand how an asset or business has grown over time.

A bookkeeper is a professional responsible for recording and maintaining a company’s financial transactions. They handle tasks such as tracking income and expenses, reconciling accounts, processing invoices, and preparing financial reports. Bookkeepers ensure that financial records are accurate and up to date, providing businesses with a clear picture of their financial health. While they do not typically provide strategic financial advice like accountants, their work is essential for maintaining compliance, managing cash flow, and supporting decision-making. Many businesses rely on bookkeepers to keep their records organised and ready for tax filing or financial analysis.

A business credit card is a financial tool designed specifically for companies and self-employed individuals to manage expenses. It works like a personal credit card but is intended for business-related purchases, helping to separate personal and professional finances. These cards often come with benefits such as expense tracking, higher credit limits, and rewards tailored to business needs. Responsible use can help build a company’s credit profile, making it easier to secure loans or financing in the future while also improving cash flow management.