Accounting & bookkeeping
The day-to-day work that keeps your books accurate and current.
- Full-cycle bookkeeping
- Bank & credit card reconciliations
- Accounts receivable & payable management
- Payroll processing
Where all your financial matters, matter
Bookkeeping, payroll and CFO help for contractors and service businesses in the DMV
Controller-level financial oversight, without the cost of a full-time executive.
7Bay Finances combines AI with accurate financials to help business operators make clear, confident decisions. We keep your books clean, your reports clear, and your cash flow under control, so you spend less time on paperwork and more time growing.
- Serving small businesses since 2020
- QuickBooks ProAdvisor
Trusted by contractors, salons, consultants, and service businesses. Based in Burke, VA, serving DC, Maryland, Virginia and clients nationwide.
Services
Accounting and bookkeeping services in Northern Virginia, DC and Maryland
Pick what you need today and add more as you grow.
Reporting, planning & tax
Clear numbers, CFO-level guidance on what's next, and taxes handled.
- Monthly financial reporting & analysis
- Budgeting & forecasting
- Cash flow & treasury advice
- Fractional CFO services
- Tax planning, preparation & compliance
- Sales tax filing
- 1099 preparation & filing
- Tax-ready books, year-round
Financial reporting → · Fractional CFO → · Tax preparation → · Sales tax → · 1099s →
AI-powered automation
Practical AI tools that cut busywork and keep your numbers current.
- Invoicing & expense capture
- Automatic transaction categorization
- Faster, always-current reporting
Software setup & integrations
Your accounting system set up right, connected to your other tools, and your team trained.
- QuickBooks Online, SAP Business One, Sage 100, Restaurant365 & Business Central
- Migrations & data conversions
- POS, payroll & app integrations
- Chart of accounts & workflow setup
- Team training
Construction & contractors
Accounting built for project-based businesses
Know which jobs make money and keep cash moving between projects.
- Job costing & project profitability
- WIP tracking
- Retainage monitoring
- Progress billing support
Projects & packages
Accounting clean-up
Fix past errors and get your books accurate and reconciled.
Tax-year catch-ups
Bring prior years up to date so you can file with confidence.
Inventory validations
Confirm your inventory records match what's on hand.
Business consulting
Financial guidance on pricing, growth, and big decisions.
Tools we work with: QuickBooks Online · QuickBooks Desktop · SAP Business One · Sage 100 · Restaurant365 · Business Central · ADP · Paycom · Paychex · Procore
Year-End & 1099s
Close 2026 clean, and get your 1099s right this year
7Bay Finances is an accounting and finance firm in Burke, VA. We catch up and reconcile your books, sort out which contractors need a 1099 under this year's new rules, and get the forms filed on time, in English or Spanish.
Start 2027 with books you trust
New wage rates, new W-2 rules and new filing systems make January the right time to reset. Virginia's minimum wage rises to $13.75 on Jan 1, 2027, and Maryland sellers must e-file sales and use tax for periods after Dec 31, 2026. 7Bay sets up your chart of accounts, job costing and payroll so the whole year runs clean.
Year-end catch-up and cleanup.
Bank and card reconciliations, uncategorized transactions fixed, and a clean 2026 close for you or your tax preparer.
1099 readiness.
For payments made in 2026, the 1099-NEC and 1099-MISC threshold is now $2,000. We review your vendor list, collect W-9s and prepare the forms.
Filed the new way.
The IRS's FIRE e-file system closes on Nov 19, 2026, so 2026 information returns go through IRIS. We make sure your forms are filed on time.
Payroll year-end.
2026 W-2s report qualified overtime (Box 12, code TT) and cash tips (Box 12, code TP). We check your payroll setup before forms go out.
Questions we're hearing
Do I still need to send a 1099 to every sub I paid?
Not necessarily. For payments made in 2026, the IRS threshold for Forms 1099-NEC and 1099-MISC is generally $2,000, up from $600. We'll go through your vendor list with you and confirm who needs one.
My books are months behind. Is it too late to fix 2026?
No. Catch-up work takes time, so the earlier you start, the easier it is. December is a much better time than April.
What happened to the IRS FIRE system?
The IRS's FIRE system takes its last information returns on Nov 19, 2026 at 3 p.m. ET. Tax-year 2026 forms are filed through the IRS's newer IRIS system, and we make sure your forms are filed on time.
I already have a tax preparer. Can you still help?
Yes. We'll get your books caught up and reconciled and hand your preparer a clean file. If you don't have one, we offer tax preparation too.
Who we serve
Built for hands-on, service-based businesses
We work with owners who are great at their trade and want someone they trust handling the numbers.
Contractors & construction
Job costing, progress billing, and keeping cash flowing between projects.
Learn more →Government contractors
Cost tracking by contract, certified payroll support, and compliance-ready reports.
Learn more →Electrical & trades
Clean books for crews, materials, equipment, and service calls.
Learn more →Salons & personal services
Tracking sales, tips, booth rent, and product inventory.
Learn more →Restaurants & retail
POS reconciliation, sales tax, tips, and inventory, by location.
Learn more →HOAs & condo associations
Board-ready reports, assessments, budgets, and reserves.
Learn more →Tree & outdoor services
Managing seasonal revenue, equipment costs, and crew payroll.
Learn more →Consultants & professional services
Simple systems for invoicing, expenses, and quarterly planning.
En español
Contabilidad, nómina y QuickBooks en español para su negocio.
Ver en español →Why 7Bay
Big-company finance experience, small-business attention
Since 2020, 7Bay has delivered controller-level financial oversight and fractional CFO services to small businesses. Kelvin brings corporate treasury and financial reporting experience to every client, with the same discipline and controls larger companies rely on, sized to fit your business and budget.
Talk to KelvinController-level oversight
Experienced accounting and finance oversight, scaled to the size of your business.
Plain-English answers
You get clear explanations and next steps, not jargon.
AI that actually helps
We use modern automation to cut busywork and keep your numbers current.
A real partner
You work directly with Kelvin, not a rotating call center.
About
Meet Kelvin Galos
“I'm a financial accountant who combines AI with accurate financials to help business operators make clear, confident decisions.”
Kelvin Galos is the founder and Managing Member of 7Bay Finances, based in Burke, VA and serving DC, Maryland, Virginia and clients nationwide. He currently leads treasury and financial reporting at a multi-location company, and he founded 7Bay in 2020 to bring that same level of financial clarity to small business owners.
His approach is simple: accurate books and useful reports come first, then practical AI tools that save time and keep the numbers current, so owners can act on them with confidence.
Kelvin holds a B.S. in Finance from George Mason University, is a QuickBooks ProAdvisor, and has built his career in accounting and finance. He has worked with businesses of all sizes, including portfolios of up to $100 million that do business around the world, and he brings that same rigor to every small business he works with. He works with clients in both English and Spanish.
- 15+ years in accounting & finance
- B.S. Finance, George Mason University
- Portfolios up to $100M
- QuickBooks ProAdvisor
- Serving businesses since 2020
- English & Spanish
Client results
- 49 → 23 daysCut a client's average collection time from 49 days to 23 days
- −55% revenueKept a company profitable through a 55% drop in revenue with a disciplined budget
Book
Book a free consultation
Pick a time that works for you. Calls are 15 minutes by video or phone.
Calendar not loading? Open booking page ↗
Contact
Prefer to send a message?
Tell us a little about your business and we'll get back to you to schedule a no-obligation conversation about your books and goals.
- Email: [email protected]
- Phone: 202-558-8456
- Service area: Burke, VA 22015 · Serving DC, Maryland & Virginia, and clients nationwide
- Hours: Every day, 8 am – 8 pm ET