At Cardinal, we provide clean, audit-ready bookkeeping, seamless payroll processing, and strategic fractional CFO support for small businesses, nonprofits, and startups.
We’re not just a service provider—we’re your financial partner, helping you operate more efficiently and grow with confidence.
QuickBooks ProAdvisor Certified – Deep expertise in setup, clean-up, and monthly bookkeeping using QuickBooks Online and Desktop.
Gusto Payroll Experts – Fast, accurate payroll processing and compliance for small businesses and growing teams.
NetSuite-Certified Consultants – We help scale financial systems for larger or fast-growing operations.
100+ Years of Collective Financial Experience – Our team brings decades of bookkeeping, payroll, and CFO knowledge to every engagement.
Trusted by 50+ Nonprofits, Startups & Small Businesses – Across industries like tech, faith-based organizations, marketing agencies, trades, and e-commerce.
“ISC is grateful for Cardinal’s very efficient and robust bookkeeping—it is very easy to work with regular bookkeeping and end-of-the-year reporting. We have also benefited greatly from Cardinal’s design and implementation of organizational-planning systems for cashflow, asset management, and liability optimization.”
Jim Ritchie-Dunham, Founder, Institute for Strategic Clarity
Clean Up Disorganized Books
→ We deliver clean, audit-ready financials every month.
Payroll Made Simple
→ Certified, accurate payroll processing—on time, every time.
Modernize Your Financial Systems
→ Seamless migration to modern platforms like QuickBooks & Gusto.
Lack of Financial Insight
→ Clear, actionable reporting and cash flow visibility.
No In-House CFO
→ Fractional CFO support for strategic growth without full-time costs.
Inefficient Workflows
→ Streamlined processes that boost efficiency by 20% or more.
Missed Cost Savings
→ Vendor negotiations and cost controls that improve profitability.
Internal Risk & Exposure
→ Treasury audits and controls that recover losses and prevent fraud.
With over 100 years of collective experience, our team understands the unique challenges faced by businesses, from startups to established enterprises. We are here to simplify your processes, optimize your financial operations, and provide the strategic guidance needed for growth. Whether you’re looking to streamline day-to-day operations or develop long-term strategies for success, we work closely with you to create customized solutions that meet your goals.
With certified expertise and a hands-on approach, Cardinal delivers payroll and routine bookkeeping services designed to keep your financials clean, compliant, and stress-free.
Certified in Gusto Payroll, QuickBooks Payroll, and QuickBooks Online
Trusted by nonprofits, and small businesses of all sizes for dependable financial management
Reliable payroll processing with full tax compliance
Routine bookkeeping for clean, audit-ready financials
Migrations from legacy systems to modern tools like QuickBooks & Gusto
Chart of accounts restructuring for improved clarity and smoother audits
Dedicated support that feels like part of your team, not just a vendor
“They stepped right in when we needed an organization to take on our church financial responsibilities… It means a lot to work with the same person who truly understands us.”
— Bud Gilbert, Hebron Baptist Church
“Flawless service… promptly and accurately managed our payroll for over a year.”
— Wes Whitson, First United Methodist Church
Financial clarity through structured systems and expert support.
Our accounting services are built on a foundation of precision, structure, and scalability. Led by CPA, CGMA, and NetSuite-certified professionals, Cardinal ensures your financials are accurate, insightful, and ready to support growth.
Full-service accounting: general ledger, revenue tracking, AP/AR, and reporting
Year-end financials, reconciliations, and cash flow management
Chart of accounts clean-up and restructuring
Support through software transitions and accounting system overhauls
Hands-on guidance to help your organization scale with confidence
Achieved 20%+ workflow efficiency gains through optimized processes
Supported infrastructure development that fueled client growth from $14M to over $70M+
Highly responsive and reliable support for nonprofits, ministries, and small to mid-sized businesses
“Cardinal led infrastructure development that supported our growth from $14M to over $70M+.”
— Confidential Client
“Cardinal’s accounting team is responsive and responsible.”
— Nelson Grande, First Baptist Church
Strategic financial leadership—without the full-time overhead.
At Cardinal, we provide executive-level financial expertise tailored to your stage of growth. Whether you’re scaling fast, preparing for investment, or navigating complex financial challenges, our Fractional CFO services deliver clarity, confidence, and results—without the full-time cost.
Tailored financial leadership aligned with your business goals
Expert financial modeling, forecasting, and performance analysis
Strategic planning to support growth, efficiency, and profitability
Private Equity support: LOI development, Quality of Earnings, and Close
ERP system selection, planning, and implementation
Treasury optimization and fraud control—over $4M recovered
20%+ cost savings through vendor renegotiation & cost control
12% increase in net profit via strategic resource planning
Streamlined operations and improved financial transparency
NetSuite Certified (Financial, Administrator, SuiteFoundation)
Trusted by business leaders to guide high-stakes decisions
Embedded support model—working as an extension of your team
“Richard Oliver’s strategic insight and leadership have consistently delivered outstanding results. I wholeheartedly recommend Cardinal to any business looking to elevate performance.”
— Jay Harris, President, StratusGreen
“We benefited greatly from Cardinal’s cash flow and asset management strategies.”
— Jim Ritchie-Dunham, Institute for Strategic Clarity
Throughout his remarkable career, Richard Oliver has consistently demonstrated a keen understanding of the intricacies of leadership dynamics. His strategic acumen, coupled with a deep commitment to building strong, cohesive teams, has enabled businesses to thrive and adapt in ever-changing environments.
As the CEO, Richard is dedicated to steering organizations toward long-term success, leveraging his wealth of experience and passion for leadership development. His vision, coupled with his commitment to sustainable growth, makes him an invaluable asset in charting a course toward enduring success and prosperity.
As a forward-thinker, Dionne Stutts not only brings a wealth of knowledge and experience to her roles but also a relentless drive to push the boundaries of what is possible. Her ability to adapt to changing environments, coupled with her passion for making businesses run more efficiently, makes her an invaluable asset to any team or organization lucky enough to have her expertise at their disposal.
Krystal leverages her expertise to ensure financial accuracy, compliance, and strategic alignment. Her commitment to excellence and continuous improvement positions her as a valuable partner, helping organizations adapt and thrive in difficult business environments.
Krystal’s vision for finance is rooted in integrity, collaboration, and long-term impact—qualities that define her leadership and make her a driving force behind lasting success.
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