Accounting & Back-Office Built to Scale

Your numbers, handled. So you can scale the business.

Headwork provides accounting, bookkeeping, payroll, and tax filing services for small businesses, and specialized factoring billing services for factoring companies. Based in Everett, Washington, serving clients nationwide.

Headwork is the dedicated back-office team behind growing factoring, logistics, and small business operations — bookkeeping, AP/AR, payroll, reporting, taxes, and compliance, all under one roof. We handle these services for businesses across every industry, with deep, hands-on expertise that lets us specialize in trucking & logistics.

15+
Years in finance ops
100%
Books reconciled monthly
24/7
Reporting access
Accounts Receivable$248,910 ▲
Accounts Payable$92,430
Payroll — this cycle$61,200
Reconciliation statusClosed ✓
Month-end progress92% complete
Built for finance teams that can't afford mistakes
GAAP-aligned IRS-compliant filing Bank-grade security Real-time reporting WA State Certified WBE (OMWBE)
The Human Difference

A real team that knows your business — in a world run by automation.

Software and AI are powerful, but they don't pick up the phone when something's urgent or understand the story behind your numbers. We pair smart tools with real people who treat your business like their own.

People-first, technology-powered
Like Your In-House Team We manage day-to-day operations as if we sat in your office — not a faceless service desk.
Quick Response Time Questions answered fast by people who already know your account — no tickets, no waiting in line.
A Dedicated Team The same familiar faces every month who understand your history, goals, and quirks.
Daily Cash Flow Management We watch your inflows and outflows every day, so you always know where you stand.
Savings & Tax Strategy Proactive planning that helps you build reserves and keep more of what you earn at tax time.
Always Reachable A direct line to humans who actually answer — by phone, email, or message.
Who We Serve

Specialized back-office support for the industries we know best

From factoring and logistics to gas stations, retail, restaurants, and trades — we've built our practice around the cash-flow-heavy, transaction-heavy businesses that need more than a generic bookkeeper.

Factoring Companies

Invoice verification, debtor ledgers, reserve tracking, and reconciliations built for high-volume receivables purchasing.

Logistics & Trucking

Deep, hands-on knowledge of OTR and drayage — settlements, fuel & expense tracking, IFTA, and the compliance work that keeps fleets rolling.

Gas Stations

Fuel & convenience-store sales reconciliation, vendor payments, sales tax, and daily cash management for high-transaction sites.

Retail & Convenience Stores

POS-to-books reconciliation, inventory cost tracking, payroll, and sales tax filing so the counter stays your focus.

Restaurants & Hospitality

Daily sales, tips and payroll, food-cost tracking, and vendor bills handled so owners can run the floor.

Service & Trade Businesses

Contractors, salons, auto shops, clinics, and more — invoicing, payroll, job costing, and tax-ready books every month.

E-Commerce & Online Sellers

Multi-channel sales reconciliation, merchant-fee tracking, inventory, and sales tax across the states you sell in.

Small Businesses

Everything a lean team needs to grow — books, payroll, reporting, and tax-ready records every month, handled by a team that scales with you.

Growing Operators

Scaling fast and outgrowing spreadsheets? We become the finance department you don't have to manage.

★ For Factoring Companies

Outsource your billing to us and scale without the growing pains.

Stop letting billing capacity cap your growth. Hand your billing desk to a team already fluent in trucking — OTR and drayage, accessorials, rate cons, and paperwork. Onboard more carriers, take on more clients, and grow your book without scrambling to hire and train.

Scale FasterAdd capacity instantly instead of recruiting, hiring, and training — say yes to growth when it comes.
Handle More ClientsTake on more carriers and higher invoice volume without your billing team becoming the bottleneck.
Pre-Trained Trucking Billing StaffOur team already knows OTR and drayage billing, accessorials, detention, rate cons, and paperwork — productive from day one.
Lower Cost, Higher AccuracySkip the overhead of an in-house desk while getting cleaner invoices, fewer disputes, and faster funding.
Billing AccuracyVERIFIED
Invoice verificationComplete
Rate con matchedMatched
Accessorials verifiedClean
Disputes flagged earlyResolved
99.7%
First-pass billing accuracy
What We Do

One team for your entire financial back office

From forming your business to year-end filing, Headwork covers the full accounting, administrative, and advisory stack — so nothing falls through the cracks.

01

Bookkeeping & Accounting

Accurate, audit-ready books maintained continuously, not scrambled at quarter-end.

  • Daily transaction entry & categorization
  • Bank & credit card reconciliation
  • General ledger management
  • Month-end & year-end close
02

AP & AR Management

We own the cash-flow cycle — getting you paid faster and paying out on time.

  • Invoicing & collections follow-up
  • Vendor bill processing & approvals
  • Aging reports & dispute tracking
  • Payment scheduling & runs
03

Payroll Services

Full-cycle payroll your team can count on, every single period.

  • Multi-state payroll processing
  • Contractor & 1099 management
  • Tax withholdings & deposits
  • W-2 / 1099 year-end filing
04

Financial Reporting

Clear, timely statements that actually drive decisions — not just compliance.

  • Profit & loss (P&L) statements
  • Balance sheets
  • Cash flow statements
  • Custom KPI dashboards & analysis
05

Tax Filing & Prep

Year-round tax readiness, accurate filings, and no last-minute panic.

  • Federal, state & local returns
  • Quarterly estimated taxes
  • Sales & use tax filings
  • Deduction & planning strategy
06

Compliance & Back-Office

The administrative backbone that keeps your operation audit-proof.

  • Regulatory & filing compliance
  • Document management & records
  • Process & controls setup
  • Audit support & coordination
07

Business Consulting

Strategic guidance to help you structure, optimize, and grow with confidence.

  • Entity structure & strategy
  • Cash flow & profitability planning
  • Systems & process improvement
  • Growth & scaling advisory
08

Business Formation

Start on solid footing — we handle the paperwork to get your business legally established and authorized.

  • New LLC creation & state filing
  • New MC authority & DOT setup
  • EIN & ITIN applications
  • Registered agent & compliance setup
09

Catch-Up Accounting

Behind on the books? We bring months — or years — of records current and clean.

  • Historical catch-up bookkeeping
  • Back-dated reconciliations
  • Cleanup of messy or incomplete books
  • Prior-period financials rebuilt
10

Loan & Tax-Ready Financials

Polished, accurate financials packaged exactly how lenders and tax pros expect them.

  • Lender & loan application packages
  • Tax-ready year-end financials
  • Investor & funding-ready statements
  • CPA hand-off & coordination
11

Day-to-Day Support

We handle the routine operational back-and-forth so it never lands on your desk.

  • Email handling & correspondence
  • Phone & call support
  • Vendor & customer follow-ups
  • Document requests & coordination
12

Dedicated Account Management

A single, familiar point of contact who knows your business inside and out.

  • Assigned account manager
  • Regular check-ins & reporting
  • Quick, direct response times
  • Proactive issue resolution
13

Insurance Quote Research

We shop the market for you — gathering and comparing quotes so you get the right coverage at the right price.

  • Liability, cargo & fleet quotes
  • Side-by-side comparisons
  • Coverage gap review
  • Renewal & re-shop reminders
14

Collections Partner Matching

We research and vet collection agencies on your behalf, then point you to the right fit for your accounts.

  • Agency research & vetting
  • Rate & recovery comparisons
  • Industry-fit recommendations
  • Hand-off coordination
15

TMS & Software Selection

Choosing the right TMS or tools is overwhelming — we research the options and guide you to a confident, faster decision.

  • TMS & software evaluation
  • Feature & cost comparisons
  • Tailored recommendations
  • Setup & onboarding guidance
Financial Reporting

Numbers you can actually read

Every month you get clean profit & loss statements, balance sheets, and cash-flow reporting — the same clarity a full in-house finance team would give you, without the overhead.

Profit & LossMONTHLY
Revenue$486,200
Cost of services$214,800
Gross profit$271,400
Operating expenses$162,950
Net income$108,450
Balance SheetAS OF MAY 31
Total assets$1,284,500
— Cash & equivalents$342,100
— Accounts receivable$498,400
Total liabilities$612,300
Owner's equity$672,200
Revenue vs. Expenses6-MONTH
Dec
Jan
Feb
Mar
Apr
May
Revenue Expenses
Asset AllocationCURRENT
Accounts receivable 39%
Cash & equivalents 27%
Equipment 20%
Other assets 14%
Trucking & Logistics Compliance

Keep your fleet compliant and your money moving

Carriers and brokers face a compliance burden no spreadsheet can keep up with. With deep experience across OTR and drayage, we handle the filings, settlements, and records so drivers stay on the road and audits stay uneventful.

New MC Authority SetupWe help you apply & get authorized
IFTA ReportingQuarterly fuel tax prep & filing
Driver SettlementsAccurate, on-time pay runs
DOT & FMCSA RecordsAuthority & filing upkeep
2290 / HVUT FilingHeavy vehicle use tax handled
Factoring ReconciliationMatch advances to settlements
Compliance DashboardALL CURRENT
IFTA — Q2 FilingFiled
Form 2290 (HVUT)Filed
Driver SettlementsProcessed
MC AuthorityActive
Factoring ReconciliationMatched
Compliance health100%
How It Works

Onboarding that's simpler than hiring

We plug into your existing tools and become your finance team in weeks, not months.

Discovery

A free consult to map your operations, pain points, and the systems you already use.

Setup

We connect to your accounting software, clean up the books, and build your reporting cadence.

Run

Your back office runs on autopilot — bookkeeping, AP/AR, payroll, and compliance, handled.

Report

Clear monthly financials and on-demand dashboards keep you informed and decision-ready.

40+ hrs
Average admin time clients reclaim every month
99.8%
Reconciliation accuracy
3 days
Average month-end close
Why Headwork

More than a vendor — your finance department

  • One team, every functionBookkeeping, payroll, AP/AR, tax, and compliance under a single accountable partner.
  • Industry fluencyWe speak factoring, logistics, and trucking — no costly learning curve on your dime.
  • Lower cost than hiring in-houseNo salaries, benefits, unemployment taxes, or severance — just a flat, predictable fee for a full back-office team.
  • Always audit-readyClean records, proper controls, and timely filings mean you're never caught off guard.
Flexible Pricing

Quotes built around your needs — not a rigid package.

Every business runs differently, so every Headwork quote is customized to fit. Engage us the way that works for you — by project, monthly, annually, or hourly.

A fraction of the cost of hiring in-house Skip the salaries, benefits, unemployment taxes, severance, and turnover that come with full-time staff — get a complete back-office team for a predictable fee.
Project Basis One-off cleanups, catch-up accounting, or setup work — scoped and priced per project.
Monthly Predictable flat-rate plans for ongoing bookkeeping, payroll, and back-office support.
Annually Commit for the year and lock in your best rate for full-service coverage.
Hourly Need help as it comes up? Pay only for the time you use, no commitment.
Why Outsource

Headwork vs. the alternatives

How a dedicated outsourced back-office team compares to hiring in-house or using a big national chain.

 
Headwork
In-House Hire
National Chain
Monthly cost
Flat, predictable
$5k–8k+ loaded
Variable
Payroll taxes, benefits, severance
None
You pay all
None
Factoring & freight billing expertise
✓ Specialized
Depends on hire
Rarely
Dedicated account contact
Call center
Coverage if someone's out sick
✓ Full team
Work stalls
Scales up or down on demand
Slow to hire/fire
Rigid tiers
$50M+
Transactions processed annually
99.7%
First-pass billing accuracy
200+
Businesses supported
98%
Client retention rate
15+
Years of expertise
What Clients Say

Trusted by the businesses we serve

From factoring desks to trucking fleets, here's what working with Headwork looks like.

Working with operators in
Factoring
Trucking & Logistics
Retail
Hospitality
E-Commerce
Trades
Factoring

Headwork took over our billing desk and we onboarded twice the carriers without adding a single hire. They actually understand freight — rate cons, accessorials, the works — so our invoices go out clean and we fund faster.

M
Marcus D.Operations Director, Freight Factoring Co.
Trucking

They reviewed our books and found money we were leaving on the table — between fuel tracking, missed deductions, and shopping our insurance, they saved us thousands a year. Settlements and IFTA are never a headache anymore.

R
Raj P.Owner, Regional Trucking Carrier
Small Business

It honestly feels like having an in-house finance team without the cost. They answer fast, they're proactive, and I finally get clean monthly reports I can actually understand. Best decision we made this year.

S
Sandra L.Founder, Service Business
FAQ

Questions, answered

The essentials on our factoring billing services, small business accounting, pricing, and more.

What accounting and bookkeeping services does Headwork offer?+
We provide full-service bookkeeping, accounting, payroll, accounts payable and receivable, financial reporting (P&L, balance sheets, cash flow statements), catch-up accounting, and tax filing for small businesses across many industries — all under one roof.
What makes your factoring billing services different?+
Our factoring billing services are run by staff already trained in trucking and freight billing — invoice verification, debtor ledgers, reserve tracking, accessorials, and rate cons. Factoring companies get clean, first-pass-accurate invoices and faster funding without building and managing an in-house billing desk.
How much do small business accounting and bookkeeping cost?+
Every quote is customized to your business — engage us by project, monthly, annually, or hourly. Because we work as your outsourced team, you skip the salaries, benefits, unemployment taxes, and severance of an in-house hire, so it costs a fraction of a full-time finance employee.
Do you handle tax filing and preparation?+
Yes. We prepare and file federal, state, and local returns, quarterly estimated taxes, and sales & use taxes, and deliver tax-ready financials with year-round planning so there are no last-minute surprises.
Where are you located and who do you serve?+
We're based in Everett, Washington and serve clients nationwide — factoring companies, logistics and trucking firms, gas stations, retail and convenience stores, restaurants, service and trade businesses, and other small businesses.
Free Download

The Factoring & Small-Business Billing Checklist

A practical 10-point checklist to catch billing errors, speed up funding, and keep your books audit-ready — the same checks our team runs every day.

Invoice & rate-con verification steps
Month-end close shortcuts
Red flags that delay funding
A tax-ready records checklist

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Let's take the back office off your plate

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Location
Everett, Washington
Hours
Mon–Fri · 8am–6pm PT
Washington State Office of Minority & Women's Business Enterprises — Certified
Women-Owned Business Certified by the Washington State Office of Minority & Women's Business Enterprises (OMWBE).

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