Agency P&L Analyzer

Live. Turn a collection agency's bank or ledger rows into a monthly P&L, margin per client and cost per dollar collected, with client money never counted as revenue and commingling flagged.

Send your operating and trust account rows (date, memo, signed amount, optional client and category) plus your own chart-of-accounts keywords. Each row is classified with your rules first, then built-in rules for contingency fee revenue, client collections, remittances to clients, payroll, telecom and dialer, skip and data vendors, letters and postage, payment processing, chargebacks and NSF, software, rent, licenses and bonds, legal and compliance. You get a monthly P&L (revenue, expenses by category, operating income, margin), contribution margin and effective fee rate per client, and cost per dollar collected. Money collected for clients is pass-through, never revenue. Consumer payments landing in the operating account and agency costs paid from the trust account are flagged as possible commingling under state trust-account rules, and consumer fees with no stated authority are flagged (15 U.S.C. 1692f(1)). Rows that cannot be classified are listed rather than guessed, and ratios are withheld when more than 10 percent of the money is unclassified. Memos that look like an SSN or card number are refused. Up to 5,000 rows per call, billed per row with a 100-row minimum. Nothing is stored. Not accounting, tax or legal advice.

Price: $0.001 per call after 1,000 free per month.

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