AGENCIES & PROFESSIONAL SERVICES
Finance that speaks agency: project profit, utilization, and cash flow.
Bookkeeping, fractional CFO, and tax for agencies, consultancies, and service firms. We track project profitability, utilization, and the cash gaps from net-60 clients, so you know which work actually makes money.
For agencies, consultancies & service firms doing $2–10M
SOUND FAMILIAR?
Your P&L says you're profitable. Your bank account disagrees.
Generalist accountants treat an agency like any other business. Agencies make money differently, and your books should show it.
Which clients actually make us money?
Revenue's up but margin's thin, and you can't see profit by client or project until the year is over.
Are we billing enough of our time?
Utilization is the whole game, and you're flying blind on how much of your team's time is actually billable.
Net-60 clients are strangling cash
You pay your team every two weeks but clients pay in 60 days, and no one is forecasting the gap.
Built for agencies & professional services
Books built around how agencies make money.
We set every agency up around the project and the client, so you see true margin per engagement, in real time, and never carry a client that's quietly losing you money.
Project & client-level P&L
Utilization & billable-rate tracking
Net-60 cash-gap forecasting
Monthly close by the 10th & tax planning for agencies
What you get
The finance function your agency deserves.
Profit & utilization
Project & client-level P&L, utilization & billable-rate tracking, margin by service line, and scope/change tracking.
Cash & billing
13-week cash forecast, net-60 gap forecasting, AR & collections tracking, and retainer/milestone billing support.
Reporting & tax
Monthly close by the 10th, owner & partner reporting, profit-distribution planning, and tax planning for agencies.
HOW IT WORKS
From project guesswork to total clarity, in 30 days.
Week 1
Diagnose
We review your books, project setup, and how you bill, and show you where margin is leaking by client.
Weeks 2–4
Set up
We rebuild your books around projects and clients, wire up utilization and cash-gap tracking, and connect your PM/time tool.
Ongoing
Run
Monthly close by the 10th, live project profit and utilization, and a CFO on call for pricing, hiring, and big pitches.
WHY A SPECIALIST
A generalist accountant vs a team that speaks agency.
Anyone can categorize transactions. Very few can tell you which client is quietly losing you money.
A generalist accountant
✕ Profit invisible by client & project
✕ Utilization a mystery
✕ Net-60 cash gaps blindside you
✕ No margin by service line
Thrive, built for agencies
✓ Profit by client & project, in real time
✓ Utilization & billable rates tracked
✓ Net-60 gaps forecast ahead
✓ Margin by service line
INTEGRATIONS
We connect with any accounting tool you use.
QuickBooks, Xero, NetSuite, Gusto, Dext, Ramp, and more. We work in your stack, not ours.
PRICING
From
$
/mo
One flat monthly fee: bookkeeping, project reporting, and CFO guidance.
✓ Project & client-level P&L
✓ Utilization tracking
✓ Net-60 cash-gap forecasting
✓ Monthly close by the 10th
✓ Month-to-month, cancel anytime
“
Working with Thrive has been a game-changer. The custom dashboard gave us real-time visibility into forecasting, budgeting, and profitability, and changed how we make decisions.
OK
Olga Kan
Director of Finance · Minerva Advisory Services
FAQ
