Texas Is Built for Business.
Your Finances Should Be Too.
Bookkeeping, payroll, Controller, and CFO services built for Texas businesses — construction, energy, healthcare, and professional services. We build the financial infrastructure that scales with Texas growth. Franchise Tax compliance, multi-entity payroll, and real-time cash flow visibility — all of it.
Every service below is available to Texas businesses — delivered remotely with the same depth as a local firm, and built around Texas's specific industries, compliance requirements, and growth environment.
Real Situations.
Real Outcomes.
Every service we offer is built around a problem Texas business owners actually face. Here's what that looks like in practice — and what becomes possible when the financial foundation is right.
When the Bank Says No — And the Books Are Why
Picture a Houston plumbing contractor — three service vans, about $490,000 in revenue, busy enough that the owner is running calls and managing jobs six days a week. He goes to Frost Bank for a $65,000 equipment line to buy a new service van and a pipe inspection camera. The bank says no. Not because the business isn't making money — it probably is. But the books are a mess. Business expenses are mixed with personal spending. There's no job costing. The P&L looks like a disaster even though calls are coming in every day.
Clean financials unlock things that messy books never can: a readable P&L that shows true profitability by service type, a balance sheet that supports a credit application, and a clear picture of what the business actually earns. A Houston plumbing contractor at $490K with proper job costing and clean separation between business and personal is a fundable business. The same contractor with mixed books isn't — regardless of how many calls the vans are running.
$65K
Equipment line — the difference between clean books and mixed ones
The Books Looked Fine. They Weren't.
A client came to us after working with a cheaper bookkeeping service for several years. On the surface, the books looked okay — revenue was being recorded, expenses were being tracked. But when we reviewed the books in detail, we found two problems that had been compounding quietly for years. First: the owner had been making capital contributions to the business — putting their own money in to cover slow months — and those contributions had been coded as revenue. That inflated taxable income every single year.
Second: equipment purchases had been coded as owner contributions instead of fixed assets. That meant the business never took the depreciation deductions it was entitled to. Thousands of dollars in write-offs, gone. When we corrected the coding, the picture changed significantly. The owner was prepared to keep paying $60,000+ in taxes they didn't owe. They didn't have to. A cheaper bookkeeper records what happens. A good one understands what it means.
$60K+
In taxes the owner was prepared to keep paying — until the books were actually reviewed
From $650K to $3.3M — Without the Owner Having to Be There Every Day
Here's what a Dallas landscaping company at $650,000 in revenue typically looks like: the owner is doing everything — estimating, managing crews, invoicing, and trying to keep up with the books on Sunday nights. He knows he's leaving money on the table but doesn't know where. He can't take a vacation. He can't hire an operations manager because he doesn't know if he can afford one. He is the bottleneck in his own business.
The path from $650K to $3.3M isn't about working harder — it's about building the financial infrastructure that lets the business run without the owner being the answer to every question. That starts with a real P&L that shows which service types and neighborhoods are actually profitable. Then a simple dashboard: revenue by crew, overhead as a percentage of revenue, a 13-week cash flow forecast. With that foundation, an owner can hire, delegate, and grow — because the numbers tell the story clearly.
$650K → $3.3M
What the maturity ladder looks like when financial systems keep pace with growth
When the Offer Comes, You Have 3 Weeks or 9 Months
Here's what acquisition readiness actually looks like in practice. An Austin tech services company — 32 employees, $6.1M in revenue, nine years of steady growth — gets contacted by a PE-backed IT services rollup. The owner wasn't actively looking to sell. But the offer was real, and the number was interesting. What happens next depends entirely on one thing: whether the books are already right.
If the financials are clean, auditable, and consistently maintained — three years of management reporting, proper revenue recognition, clean separation of service lines — due diligence takes three weeks. If they're not, it takes six to nine months to reconstruct, and half the time the deal falls apart in the process. The difference isn't luck. It's whether the financial foundation was built before the opportunity arrived.
3 Weeks
To close due diligence — versus 6-9 months if the books aren't already right
What Texas Business Owners Actually Owe
Texas has no personal income tax and no corporate income tax. But the Franchise Tax applies to most growing businesses — and it requires active planning to manage effectively.
On net revenue above $2.47M. Retail/wholesale: 0.375%. All others: 0.75%. Calculated on margin, not profit.
Texas Regions We Serve
From Houston energy to Austin tech, DFW to the Permian Basin — same depth of financial expertise.
Houston Metro
Energy capital of the world. Oilfield services, petrochemical, engineering, and logistics businesses face extreme commodity-cycle cash flow swings. We build financial infrastructure that survives the boom-bust cycle.
Dallas–Fort Worth
The DFW Metroplex is one of the fastest-growing business corridors in the country. Construction, professional services, and distribution businesses are scaling rapidly — and most are outgrowing their financial systems.
Austin–San Antonio
The I-35 corridor is a tech and manufacturing powerhouse. Austin's startup ecosystem and San Antonio's defense and healthcare base create a unique mix of high-growth and stable-revenue businesses.
West Texas & Permian Basin
The Permian Basin drives Texas energy production. Oilfield service companies, equipment suppliers, and supporting businesses need financial systems built for the specific rhythms of the energy sector.
Rio Grande Valley & South Texas
Agriculture, international trade, and cross-border commerce define South Texas. Businesses here navigate unique import/export compliance, seasonal agricultural cash flows, and bi-national workforce considerations.
What 406 Has Done for Businesses Like Yours
View all case studies$8M to $40M Without Outgrowing Financial Systems
- Owner signs checks once/month — not buried in daily ops
- Scaled 5× with financial systems that kept pace
- Acquisition-ready books and controller-level oversight
From Bank Rejection to a $7M SBA Financing Outcome
- Rebuilt books and projections across 5 entities from scratch
- Delivered SBA-grade lender package that positioned the deal
- Restructured $7M in debt — saving $20,000/month
Interim CFO Through Big 4 Diligence & Cross-Border Acquisition
- Stepped in as Interim CFO — no disruption to operations
- Navigated KPMG due diligence for a Canadian acquirer
- Deal closed on the owners' terms — clean books, clean exit
What Clients Say About Working With 406
“When we came in to sign our taxes, Jason had already filled out the S-Corp election paperwork and walked us through exactly how it would save us $13,000 this year. We didn’t ask for it — he just had it ready. That’s not something we’ve ever experienced from an accountant before.”
Jessie — Multi-Location Ice Cream Shop Owner
S-Corp Election & Tax Planning
“I’ve worked with several consultants over the years. What blew me away was how quickly Carrie understood our entire operation — top to bottom — in less than a month. I’ve never seen anyone do that.”
Steve — Owner-Operator Trucking Company
Business Turnaround & Financial Advisory
The Foundation Has to Be Right Before Strategy Matters
Most Texas businesses have a tax preparer. Very few have clean books, compliant payroll, and real-time financial visibility. That's the foundation we build first — because without it, every other service is built on sand.
Clean Books, Every Month
Texas businesses — construction, oil and gas, technology, hospitality, and professional services — all need accurate, reconciled financials maintained monthly. We use QuickBooks Online or Xero, categorized correctly for your industry, and ready for your bank, your CPA, or your partners whenever they need it.
Texas Payroll Done Right
Texas has no state income tax withholding, which simplifies one piece of payroll — but large, fast-growing workforces, multi-location businesses, and energy sector variable compensation create real complexity. We process payroll accurately and manage Texas unemployment insurance filings, multi-entity compensation, and all federal compliance requirements.
Texas Has No Income Tax. But the Franchise Tax Catches Most Growing Businesses Off Guard.
The Texas Franchise Tax applies to most entities with Texas nexus — and the $2.47M revenue threshold catches businesses faster than they expect. Without proper financial infrastructure, the tax hits before the systems exist to manage it.
Our Controller and fractional CFO services give Texas businesses the month-end close, Franchise Tax planning, and management reporting that makes the no-income-tax advantage actually compound over time.
Our team brings direct experience working within the energy sector at the major operator level — including financial operations, cost accounting, and reporting frameworks used by large-scale oil & gas companies. That background translates directly to the oilfield service companies, equipment suppliers, and energy-adjacent businesses we serve across the Permian Basin and Houston.
Franchise Tax Planning
Revenue threshold tracking, EZ computation vs. standard method, and quarterly estimates.
Month-End Close
Accurate, timely financials every month — not just at tax time.
Multi-Entity Complexity
Consolidated reporting across multiple Texas entities — oil & gas, construction, real estate.
Lender & Investor Ready
Books at the standard banks and investors require — before you need them.
Energy Sector Depth
Financial systems built for the boom-bust cycle — operator payment cycles, commodity exposure, and the cost accounting frameworks used at the major operator level.
Franchise Tax Liability vs. Revenue
Most Texas businesses pay $0 franchise tax until they cross the $2.47M revenue threshold. Above that, the standard rate of 0.75% (or 0.375% for retail/wholesale) applies to taxable margin. The chart shows how liability scales with revenue for a services firm.
Services rate: 0.75% on taxable margin above $2.47M threshold. Retail/wholesale rate: 0.375%. Source: Texas Comptroller. Illustrative example.
How Financially Healthy Is Your Texas Business?
6 quick questions across cash visibility, financial systems, and Franchise Tax strategy. Get a score and a specific recommendation — instantly.
Not Ready to Call? See Exactly How We Work First.
Browse our service pages to understand what Controller, CFO, bookkeeping, and tax planning actually look like — scope, deliverables, and who it’s right for.
How Financially Healthy Is Your Texas Business?
Take our 6-question assessment and get a personalized score across cash flow visibility, financial systems, and tax strategy — with specific recommendations for your situation.
Take the Free AssessmentTexas Business Owner Questions
Ready to Build Financial Infrastructure
That Matches Texas Ambition?
Whether you're in Houston energy, DFW construction, or Austin tech — we build the financial systems that let you scale without surprises.