According to the Small Business Administration, a small-business owner's personal finances are often "strongly tied" to the business's finances. This presents unique financial issues for the small-business owner that large businesses do not necessarily have. In addition to providing full service bookkeeping and payroll services, we can help the small business owner understand these matters and offer advice on developing operating systems, policies and corporate structures that may greatly assist the business. There are many tax consequences and penalties for improperly commingling funds.