Accounting Firm Loans in Brockton, MA: Desk Phones Bought or Leased, a 3D Laser Scanner and a Contractor's Invoice

An invented CPA firm in Brockton, MA with twelve desks has handsets that drop calls and a conference phone that no longer pairs. The invented replacement quote is 12 handsets at $289 each, a conference phone at $735 and a network switch that powers the handsets at $860, $5,063 in all.

• Own them: a 24-month term loan at 11.3% a year costs $236.68 a month, $5,680.32 in total, and the invented phones belong to the firm after the last payment.
• Lease them from the phone provider: $219 a month for 36 months, $7,884.00 in all, with handset swaps included and the invented phones returned at the end.
• Keep the old set: no payment, but the dropped calls continue, which costs client time that no quote shows.

In this invented case, the lease totals $2,203.68 more than the loan and runs a year longer, in exchange for swaps and no equipment to own. Any new cabling or wall jacks are property work outside this site.

An invented civil and structural engineering firm records existing buildings before it designs changes to them, and it pays a scanning contractor about $1,850 for each as-built survey. An invented quote prices a 3D laser scanner with its processing software at $48,600.

Over 48 months on a term loan at 9.6% a year, the invented scanner costs $1,223.31 a month, $58,718.88 in total and $10,118.88 in interest. One hired-out survey a month costs $626.69 more than that invented payment, before staff time to run the scanner is counted.

A partner may ask for a list of recent projects that needed as-built surveys, since that list is what supports the comparison.

An invented payroll and bookkeeping firm moves its clients to a new payroll processing platform. Three invented costs come once: converting each client's pay history and tax settings, quoted at $6,815; training for the staff who run payroll, $2,290; and one month of paying for both platforms while every payroll runs on each to check the results, $1,265.

The invented $10,370 on a 15-month term loan at 12.35% a year costs $749.61 a month, $11,244.15 in total and $874.15 in interest. The new platform's monthly fee after the switch is an operating cost, paid from client fees.

A partner may ask for the software provider's statement of work, since it shows which costs are one-time and which recur every month.

An invented management consulting firm builds a staff training program for a client and hires a contract instructional designer for the course materials. The designer's invented invoice of $9,450 is due 15 days after delivery, while the client pays the firm 45 days after delivery and the deposit takes three days to clear.

A draw on a business line of credit at 13.3% a year pays the invented designer on day 15 and is paid down on day 48, 33 days later, for $113.63 of interest.

The draw is sized to one invoice and closes when the client pays. A firm that bills this way on several projects at once can size its line to the largest overlap of invoices it expects.

Accounting and payroll services offices with a ZIP 02301 address numbered 17 in 2023; consulting firms numbered 10 and architectural and engineering offices 5 (ZIP Code Business Patterns).

Nonemployer Statistics, a separate program, counted 683 accounting and payroll businesses, 1,915 consulting businesses and 447 architectural and engineering businesses with no paid employees in the county in 2024.

These offices share a group with real estate offices among the trade notes.