Performance marketing & lead gen

Books and taxes for white-label software resellers.

Monthly subscriptions sold under your own brand to other agencies, a wholesale cost you pay upstream, a one-time white-label app build, and an annual vendor prepay that should not distort a single month. Gus sorts all of it, an accountant checks every transaction, and you get one number a month.

Book a call What we handle
  • From $197 a month
  • An accountant on every transaction
  • Cancel whenever
MarchExample month
$8,500
what you made

March came in at $8,500. The annual vendor prepay you made in January is being spread across the months it actually covers, so March does not look artificially expensive.

  • Subscription billing, agency customersSubscription revenue
  • Wholesale software costWholesale software cost
  • White-label app build, milestone twoApp build costs
  • Onboarding fee, new agency customerOnboarding fees
  • Support contractor, hourlyContractor support
Money in$26,000
Money out$17,500
Set aside for taxes$1,900
An example month. Yours will have your numbers.

Why your books are different

White-label reseller books go wrong in the same four places.

A generalist sees a subscription bill and a batch of customer payments. Your business sells software under your own brand to other agencies, who resell it again to their own clients, so your real margin, your churn, and your prepaid vendor costs all need their own place in the books.

  1. 1

    Wholesale cost and your subscription price get blended

    Charging an agency customer $297 a month for a sub-account that costs you $97 wholesale is real margin, but booking the full $297 as one number hides what you actually keep once the wholesale cost is paid.

    What we doSplits your wholesale software cost from what you charge agency customers, so your real margin per account is visible on its own.
  2. 2

    A one-time white-label app build gets spread over one month

    Building your own branded mobile app through the software vendor is often a single large payment, and if the whole cost lands in one month's expenses, that month looks far worse than it really represents for an asset that serves you for years.

    What we doFlags a white-label app build as its own item, so a one-time cost is not mistaken for your regular monthly overhead.
  3. 3

    An annual vendor prepay distorts a single month

    Paying a software vendor for a year upfront to get a lower rate makes that one month look like an enormous loss, even though the payment covers twelve months of service you have not used yet.

    What we doSpreads an annual prepay across the months it actually covers, so no single month looks worse than it is.
  4. 4

    Churn and monthly recurring revenue never get tracked as their own numbers

    A reseller business lives and dies by how many agency customers stay and how many leave, and if that is never separated from one-time onboarding fees, it is hard to tell whether the business is actually growing or just backfilling churn.

    What we doKeeps recurring subscription revenue visible apart from onboarding and one-time fees, so growth against churn is a number you can see.

Your categories

The categories Gus keeps for a white-label software reseller.

Set up once for how you get paid and what you spend. You never pick a category. He does, and an accountant checks it.

Money in

  • Subscription revenueMonthly billing from agency customers reselling your white-label software.
  • Onboarding feesOne-time charges for setting up a new agency customer's branded account.
  • Support and training feesAdd-on charges for helping an agency customer's team get up to speed.
  • Add-on feature feesCharges for premium features layered on top of the base subscription.

Money out

  • Wholesale software costWhat you pay the underlying vendor for each customer account before markup.
  • White-label app build costsOne-time fees for a branded mobile app, tracked apart from monthly costs.
  • Contractor support staffFreelance help staffing customer support and onboarding.
  • Vendor prepay costsAnnual payments to the underlying vendor, spread across the months they cover.
  • Payment processing feesWhat a processor keeps before a payment lands.

What we watch for you

  • Wholesale margin

    What you charge agency customers against your wholesale cost, so your real margin per account is clear.

  • Churn rate

    How many agency customers leave each month, so growth is not mistaken for simply backfilling losses.

  • Recurring revenue trend

    Subscription revenue tracked apart from one-time fees, so the steady base is visible on its own.

  • The set-aside

    What you will owe, tracked against your subscription margin every month, so April is a number you already knew.

Ask Gus

Things white-label software resellers ask Gus.

Text him like you would text anybody. He answers in plain English, and when a question is above his pay grade, an accountant looks and gets back to you.

I charge agencies $297 a month for an account that costs me $97 wholesale. Is the rest just profit?

It is, and I split the wholesale cost from what you charge so you can see that real margin clearly instead of one blended subscription number.

I just paid $4,000 for a white-label mobile app build. That month looks terrible now.

I flagged that as a one-time app build cost, separate from your regular monthly overhead, so it does not make that month look like your new normal.

I prepaid the vendor a full year to lock in a lower rate. How does that show up?

I spread that payment across the twelve months it covers, so no single month looks artificially expensive for a year of service.

The tax side

The tax side of a white-label software reseller.

Most of what goes wrong here is timing and what a number actually represents. Wholesale cost blended with your markup, and a big one-time or prepaid cost dumped into a single month.

What your return has to get right

Your accountant signs it, so it gets done right the first time.

  • Wholesale cost and markup are both real numbersWhat you pay the underlying vendor and what you charge agency customers both belong in the books as their own figures, not netted together before they are recorded.
  • Contractor 1099sAny US-based support contractor not on payroll who you pay $2,000 or more in 2026 gets a 1099-NEC by January 31. Gus keeps that list current all year.
  • Equipment and software write-offsA white-label app build or major software investment can often be deducted, sometimes spread across the period it benefits. The accountant confirms the right approach for your situation.
  • The pass-through deductionMost owner-operators can take up to 20 percent of business profit off their taxable income. It comes out right when wholesale cost, markup, and prepaid vendor costs are all sorted correctly all year.

Deductions white-label software resellers miss

Your bookkeeper knows what to look for in your statements. You never have to.

  • Wholesale software vendor cost
  • White-label app build fees
  • Contractor support staff
  • Payment processing fees
  • Home office or coworking desk
  • Laptop and monitors
  • Business phone and internet
  • Industry conference travel
  • Continuing education and courses
  • Legal and business formation fees

General information about 2026 federal rules, not advice for your business. Your accountant looks at your actual numbers before anything gets filed.

All year, not just April

A white-label reseller year, on the books every month.

Subscription revenue moves less with the season than most businesses, but taxes still run on a calendar. Your team keeps you ahead of both. Every month in between, your bookkeeper closes the books and speaks up the moment something looks off.

  1. January

    Plan the year

    Last year's return gets started, your 1099 list for domestic support staff is ready, and a monthly set-aside begins so April is already handled.

  2. April

    Filed. Done.

    Your return is filed and signed. No surprise bill, since the set-aside has tracked your subscription margin every month since January.

  3. July

    Halfway check

    Where you stand, what you will owe, and whether churn or new signups changed the number.

  4. October

    Before the annual prepay

    Annual vendor prepay decisions typically come up as the calendar year winds down. Before locking one in, Gus looks at what's worth setting aside before December.

What you get

Starts at$197a month

What you pay depends on what your business needs, and it does not move after that, busy season or slow. No hourly bills, no surprise invoices, no setup fee.

Book a call
  • Monthly bookkeeping

    Every transaction sorted into categories set up for white-label software resellers. You never categorize a thing.

  • An accountant checks every transaction

    Real review, every month, before your books close. Not a spot check.

  • Your business tax return, filed

    Prepared, reviewed, and signed by that same accountant every year.

  • The monthly number

    What you made, what you spent, what to set aside for taxes.

  • Your own bookkeeper

    A real person assigned to your business, in the app whenever you need them. No hold music.

  • On your books all year

    Every month, not just in April. Your team speaks up whenever something is worth your attention.

  • Cancel any time

    No contract. No cancellation call. Your books are yours.

Straight answers

Questions white-label software reseller owners ask first.

My subscription price includes a markup over what the vendor charges me. Does that need to be split?

Yes. Gus separates your wholesale cost from what you charge agency customers, so your real margin per account is visible instead of one blended number.

A white-label app build cost me thousands in one month. Is that just a loss now?

No. Gus flags it as a one-time cost, separate from regular overhead, so it reads as an investment rather than making that month look like your typical spending.

I prepaid the vendor for a full year to save money. Won't that make one month look awful?

Gus spreads that payment across the twelve months it actually covers, so no single month gets stuck looking far worse than it really is.

How do I know if my reseller business is actually growing or just replacing customers who leave?

Gus tracks your recurring subscription revenue and how it moves month to month, separate from one-time onboarding fees, so growth against churn is a number you can actually see.

My support contractor works from outside the US. Does she get a 1099?

Probably not a 1099-NEC, since she is not a US person. Gus keeps her file flagged apart from domestic contractors so the accountant can confirm what paperwork is actually on record.

My books are behind since I added a white-label app and doubled my agency customers this year. Can Gus catch up?

Yes. Send the bank statements you have, app build cost included. Gus sorts subscription revenue from one-time costs from there, the accountant checks it, and most owners know where they stand inside a week.

Is a real accountant checking my books?

Yes. You get your own bookkeeper, Gus does the first pass on every transaction, and an accountant checks every one before your month closes. That same accountant prepares, signs, and files your business return. Goatkeeper is not a CPA firm, and we never pretend a person looked when they did not.

What does it cost, and can I cancel?

It starts at $197 a month, depending on what your business needs. No setup fee, no hourly bills, no contract. Cancel any time from the app, and your books go with you.

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We keep books for the business next door too.

What makes a bookkeeper worth paying for Every business we keep books for

Book a call

Pick a time. That's the whole signup.

Fifteen minutes with a real person on our team. They look at where your books are, tell you straight what it takes to get caught up, and get you set up on the spot if it fits.

  • $197 a month to start
  • An accountant on every transaction
  • Cancel whenever