Full-cycle bookkeeping
Journals, ledgers and chart of accounts kept current in your QuickBooks — as if your firm did it in-house.
AI-augmented · CA-led · White-label
Your books.
Closed by morning.
WhiteLedgers is the silent back office for US CPA firms, UK accounting practices and Dubai businesses. Raw feeds go in. Review-ready files come out — under your brand, checked by a Chartered Accountant, in your time zone.
Held to the standards you answer to
- QuickBooks Online ProAdvisor
- Xero Advisor Certified
- Chartered Accountant — ICAI
- ACCA Member
Three markets. One standard.
Where does your firm practice?
I run a US CPA firm
QuickBooks-first. Aligned to IRS Pub 4557. Your EST morning is our working evening — files land before you log in.
See US servicesI run a UK accounting practice
Xero-first and MTD-ready. UK GDPR with a DPA on every engagement. Built for UK accounting practices of every size.
See UK servicesI run a Dubai / UAE business
IFRS-aligned books, records ready for 9% Corporate Tax and 5% VAT filings, FTA-compliant documentation. Gulf hours are our hours.
See UAE servicesWhat we run for you
Services built for your jurisdiction.
Choose your market. Every service comes back review-ready, under your brand, with a documented 10-point QC — and a boundary we never cross.
Month-end close
Reconciliations, accruals and prepayments to a trial balance ready for your review by deadline.
QuickBooks cleanup & catch-up
Messy or backlogged books brought current — re-categorised, reconciled, and tidied to a clean chart of accounts.
Tax workpaper preparation
Organised, cross-referenced workpapers for 1040, 1120, 1120-S and 1065 review — prep and support only.
1099 preparation support
Vendor tracking through the year and year-end 1099 preparation, ready for your filing.
AP/AR & payroll journals
Invoice processing, vendor and customer aging, and payroll journal entries posted and reconciled.
Xero bookkeeping
Full-cycle, MTD-aware bookkeeping kept current in your Xero, delivered under your practice's brand.
Monthly management accounts
Reporting packs for your SME clients with commentary and KPIs — ready to present.
VAT return preparation
Computations and workings, MTD-compliant, cross-referenced and ready for your review and submission.
Year-end workpapers
Cross-referenced files that make statutory accounts preparation straightforward for your reviewer.
CIS processing
Construction Industry Scheme deductions, records and returns preparation for your construction clients.
Cleanup & catch-up
Backlogs cleared and the chart of accounts tidied — historic books brought current for filing.
IFRS bookkeeping
Full-cycle, cloud-based bookkeeping to IFRS — clean, audit-ready records from day one.
VAT return preparation
5% VAT computations and FTA-compliant workings, cross-referenced and ready for filing by your agent.
Corporate Tax support
9% Corporate Tax computations and supporting documentation, structured for review and submission.
Management accounts
Monthly reporting packs with KPIs for owners and boards — the numbers behind the decisions.
Accounts payable & receivable
Invoice processing, vendor and customer aging, and cash-position clarity, week to week.
Cleanup & VAT catch-up
Historic records brought current and reconciled — ready for VAT and Corporate Tax filings.
The night shift, engineered
Reconcile
Every feed matched to the penny. AI categorises 95% of transactions; the anomalies get caught and resolved by a human accountant.
Review
A second set of qualified eyes on every file. A Chartered Accountant signs off a 10-point QC checklist before anything reaches you.
Deliver
Review-ready books in your QuickBooks or Xero by morning — documented, cross-referenced, and wearing your brand, not ours.
0%
categorisation accuracy before a human ever looks
0-day
business-day turnaround on a standard client file
0%
below the fully-loaded cost of a domestic hire
0-pt
documented QC checklist on every single file
- Founder-Leda CA answers for every file, personally
- AI-Augmentedmachines sort, accountants judge
- Documented QCa checklist ships with the work
- You-Price Pilotfirst file at a fee you decide
- Unlimited CA Accesschat the accountant, not a ticket queue
- White-Labelyour clients only ever see you
No ticket queues. No account managers.
Chat with your Chartered Accountant. As often as you like.
Every engagement comes with a direct line to the CA who actually signs your QC — not a support inbox.
- Unlimited conversations — during the engagement and after delivery. Question three weeks later? Same person, same thread.
- Your time zone, not ours — we schedule around EST, GMT and GST working days. Files move overnight; conversations happen in your hours.
- Same-day answers — async-first with same-business-day response, and a call whenever a thread deserves one.
New York 8–11 AM EST
London 1–5 PM GMT
Dubai 9 AM–6 PM GST
SA
Swati · Chartered Accountantonline · replies same day
Morning! March close is in your QBO — QC attached. One flag: the $5,000 Zelle on the 14th. Owner draw or vendor payment?
That's a vendor — new landscaper. Invoice coming.
Perfect, reclassed to COGS → subcontractors and noted in the query log. TB still ties to 0.00. ✓
You're a lifesaver. Can we talk 1099 prep Thursday?
Booked for 9:30 AM your time. Calendar invite sent 📅
Unlimited · during & after every engagement
What lands in your inbox
A month-end close you can forward without opening.
Every delivery arrives in your software with the workings attached — categorised, reconciled, documented, and QC-signed.
March close — final
Delivered 6:42 AM EST · review-ready
| Account | Cleared | Balance | |
|---|---|---|---|
| Checking ·· 4821 | 214 txns | 38,412.90 | ✓ |
| Savings ·· 1177 | 12 txns | 85,000.00 | ✓ |
| AmEx ·· 3009 | 186 txns | (11,286.44) | ✓ |
| Stripe clearing | 308 txns | 0.00 | ✓ |
| Payroll journals | 6 entries | posted | ✓ |
Fluent in your stack
We work inside the tools you already run.
Accountant-role access to your subscription — your data never leaves your systems, and there's nothing new for your clients to learn.
Deliberate boundaries
We prepare. You sign. Always.
What we do
- Full-cycle bookkeeping & clean-ups
- Month-end close & reconciliations
- Tax workpapers, cross-referenced for your review
- UK management accounts & VAT return prep
- AP/AR, payroll journals, 1099 prep support
- NDA-first, MFA-only, encrypted handling
What we never do
- Sign or file tax returns — no PTIN/EFIN use
- E-file or submit to HMRC as agent
- Audit, attest, or issue opinions
- Represent your clients before the IRS or HMRC
- Contact your clients, ever
- Hold your data on local machines
You remain the agent of record. Your licensed CPA/CA reviews, signs, and files everything.
Data security & privacy
Security that's process, not theater.
No tool ever sits between you and your data. We work inside your systems, under your audit trail — so the strongest controls are the ones that cost nothing and hide nothing.
NDA before anything
A signed NDA precedes any access, every time. Confidentiality is contractual and survives the engagement.
MFA on every login
Multi-factor authentication on all accounts we touch — no shared passwords, no exceptions.
Least-privilege access
Accountant-role logins only — never owner or admin credentials. You grant exactly what the work needs.
Nothing stored locally
The work happens inside your QuickBooks, Xero or Zoho. No downloads to local machines, no copies to manage.
Your audit trail sees us
Every action is logged by your own software's activity history — verify what we did, line by line, any time.
Access ends with the work
Credentials are revoked the day an engagement closes — and you can revoke them yourself at any moment. A DPA is available for UK GDPR engagements.
Flat. Monthly. Per client file.
Pricing that survives your own margin review.
Starter
$250/file/mo
A single steady file, done properly.
- Full-cycle bookkeeping, up to 2 accounts
- Monthly close, bank recs & suspense to zero
- 10-point QC on every delivery
- Unlimited CA chat — during & after
- Onboarding & software setup included
Most firms start here
Growth
$450/file/mo
Higher-volume files with reporting.
- Everything in Starter, up to 5 accounts
- Management reports, KPIs & commentary
- Tax / VAT workpaper preparation
- Priority turnaround + dedicated senior reviewer
- One catch-up month included at onboarding
- Quarterly 30-min advisory call with the CA
Scale
$650/file/mo
Complex files, CFO-grade support.
- Everything in Growth — unlimited accounts
- AP/AR, payroll journals & multi-entity
- Consolidations & same-week catch-ups
- Monthly reporting pack, board-ready
- Direct CA hotline, same-day escalation
No setup fees. No client minimums. Month-to-month — cancel anytime. Volume rates from 5+ files.
Where this sits in the market: white-label desks typically run $300–$800 per client/month — many with 5-client minimums and per-call charges. Retail services like Bench and Pilot start at $299–$499/month in their software, with no CA review and no white-label. WhiteLedgers works inside your stack, with CA sign-off, unlimited access and no minimums — from $250.
Founder-led, by design
"I've reviewed the offshore work that burned you. I built the opposite."
I'm Swati Ahuja — a Chartered Accountant (ICAI) and ACCA, with years spent across US, UK and UAE engagements. I've seen what firms actually receive from typical offshore desks: files with no documentation, no consistency, and no one accountable — work partners had to redo at midnight.
So the rules here are simple: I personally review the QC on every founding-cohort client's files. Every delivery carries a documented checklist and a query log. You can message me as often as you like — during the engagement and after it. And you start with a pilot on one real file, at a fee you decide — because trust is earned on your books, not on a sales call.
Swati Ahuja · Chartered Accountant (ICAI) · ACCA · Founder, WhiteLedgers
Straight answers
The questions partners ask first.
We've been burned by offshore bookkeeping before. Why is this different?
Accountability and paperwork. A Chartered Accountant reviews and signs a 10-point QC checklist on every file, every delivery ships with a query log, and you start with a free pilot on one real client file. If the pilot doesn't survive your review, you've lost nothing.
Can you sign or e-file returns?
No — deliberately. We prepare books and workpapers; we never use a PTIN/EFIN, never sign, never e-file, and never represent clients before the IRS. Your CPA stays the agent of record on everything.
How do you protect client data?
NDA before any access. Accountant-role logins with MFA only — never owner credentials. Encrypted transfer, VPN during work sessions, no local storage. Handling is aligned to IRS Pub 4557, and a WISP is available on request.
Does the time zone slow things down?
It's the mechanism that makes "closed by morning" possible. Files you send at 5 PM EST are worked during our day and back before your morning coffee. We overlap your morning for calls and same-day queries.
What does the pilot include, and what does it cost?
One client file, two weeks, no contract — and you decide the fee. Name a number you consider fair for a full month-end close with the QC checklist and query log, judged on your standards, in your QuickBooks. If it doesn't survive your review, walk away.
Are you set up for UK practices specifically?
Yes — Xero-first workflows, MTD-aware processes, and UK management accounts with commentary and KPIs. We work afternoon and early-evening UK hours, and support UK practices through year-end crunch.
Can you submit to HMRC or sign statutory accounts?
No. We prepare VAT return workings, year-end files, and management accounts for your review — but we never act as HMRC agent, never submit, and never sign. Your practice signs everything.
How is UK GDPR handled?
A DPA accompanies every engagement. Data handling follows UK GDPR and the Data Protection Act 2018: encrypted transfer, MFA-only access, no local storage, and access revoked the moment an engagement ends.
Which software do you work in?
Xero first, plus QuickBooks, Sage, FreshBooks, Dext, Hubdoc and BrightPay. We work inside your subscriptions with accountant-role access — your data never leaves your stack.
What does the pilot include, and what does it cost?
One client file, two weeks, no contract — and you decide the fee. A full management-accounts pack or month-end close with the 10-point QC checklist, delivered in your Xero, judged on your standards.
Do you handle UAE Corporate Tax and VAT?
We prepare the books and workings behind both — IFRS-aligned records, 9% Corporate Tax computations support, and 5% VAT return workings with FTA-compliant documentation. Your registered tax agent or auditor reviews and files; we never submit to the FTA ourselves.
Which software do you support for UAE businesses?
Zoho Books, Xero, QuickBooks and Tally — we work inside your subscription with role-based access. If you're not on cloud software yet, we'll set it up as part of onboarding at no charge.
What about time zones and communication?
Dubai is our easiest overlap — Gulf Standard Time runs alongside our full working day, so you get live responses from morning to evening, plus unlimited chat with the Chartered Accountant during and after any engagement.
How is our data handled?
NDA before any access, MFA-only logins with accountant roles, nothing stored on local machines, and every action visible in your own software's audit trail. Access is revoked the day the engagement ends — or the moment you choose.
What does the pilot include, and what does it cost?
One entity, two weeks, no contract — and you decide the fee. A complete month's books with reconciliations, the 10-point QC checklist and a query log, delivered in your software, in AED if you prefer.
One client file. Two weeks.
You decide the fee. No contract.
Send us your messiest file and name a fair fee for the pilot month. If the close we return doesn't survive your review, walk away — no contract, no lock-in.
US · UK · UAE — Dubai · NDA before any access · your clients never know we exist