Fixed fees.

No surprises.

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When you're running a small business, every penny matters - and wondering what your bookkeeper's going to charge you this month shouldn't keep you up at night. That's why everything we do comes with a fixed fee, agreed before we lift a finger. Simple as that.

Discovery Diagnostic

£250/one-off

How the partnership begins. We spend time in your books, you accounting software, bank feeds, your receipts process - and give you an honest picture of where things stand. What’s working, what’s costing you time, and what’s quietly going wrong.

You’ll walk away with written findings report and a clear recommendation for what ongoing support looks like. No obligation to continue, but most clients do - because the diagnostic tends to surface exactly the kind of things that keep founders up at night.

Required before any retainer engagement.

Core Retainer

£/month

The foundation of every client relationship. We take ownership of your bank reconciliation and books maintenance  - the monthly rhythm that keeps your books clean, your records accurate, and your accountant happy.

Fully monthly bank rec, transaction coding, account tidying, and error correction. Done properly, done consistently, every single month. You stop worrying about whether your numbers are right. They are.

Add on Services

£/month

Every task Penny & Paper takes off your plate is a task your accountant no longer needs to bill you for. Cleaner books, fewer queries at year-end, less time spent unpicking problems that shouldn't have happened in the first place

Add on Services (Monthly Retainer)

Every task Penny & Paper takes off your plate is a task your accountant no longer needs to bill you for. Cleaner books, fewer queries at year-end, less time spent unpicking problems that shouldn't have happened in the first place. Most clients pick two or three — the savings stack, and so does the headspace.

Monthly Reporting Pack

Management accounts prep: P&L, balance sheet, cash summary, and variance highlights flagged for your accountant to review. The numbers your accountant would normally compile at a premium — prepared monthly and ready when you need them. Internal use only, not for third-party reliance.

Credit Control & AR Management

Invoice chasing, aged debtor reporting, escalation flagging, weekly AR summary. The work that directly protects your cash flow - and the work most founders hate doing themselves. Covers up to 30 active debtors.

Supplier Payment Runs

Processing supplier invoices, scheduling payments, maintaining payment records. Your suppliers get paid on time, your records stay clean, and your accountant isn't untangling payment queries at year-end. Does not include negotiation or dispute resolution.

Receipt & Expense Processing

Dext or similar management, staff receipt chasing, expense claim processing, and source document matching - the admin that happens before anything reaches your books. Core keeps your accounts clean; this makes sure nothing goes missing on the way in. The single biggest source of year-end accountancy fees is messy receipts. This eliminates that problem entirely.

Invoice Raising

Preparing and sending sales invoices on your behalf from your accounting software, including credit notes and statement runs. Your revenue gets recorded accurately from day one — no backlog, no corrections, no surprises.

A note on what we do and don't do. Penny & Paper provides finance operations services - the recording, processing, and reporting of financial data. We do not provide financial advice, prepare statutory accounts, file tax returns, or produce reports intended for third-party reliance (lenders, investors, HMRC). For advisory and compliance work, we partner with your existing accountant. All management reports are for internal use only.