Money can be sitting on shelves, in warehouses, in transit or in slow-moving product lines.
Retail & Wholesale Accountants
Retail & Wholesale accounting that protects your cash, tightens your margins, and keeps you compliant.
Retail and wholesale businesses do not usually struggle because sales are not happening. They struggle when stock is moving, suppliers need paying, VAT feels stressful, platform fees muddy the picture, customer payments run late, and the numbers still arrive too late to help. We fix the finance side so you can run the business with control.
Built for fast-moving, stock-led businesses
Cash and margin focus
Clean VAT, payroll, stock and systems support
Plain-English reporting you can actually use
Stock, suppliers and sales channels need clean numbers.
We help connect POS, eCommerce, inventory, VAT, payroll and reporting into a clearer finance rhythm.
Problems we help remove
The problems we see in Retail & Wholesale every week.
Not theory. The real pressure behind shops, eCommerce stores, product-based businesses, B2B wholesalers and distributors.
Discounting, returns, card fees, platform fees, delivery costs and rising stock prices eat away at profit.
POS, eCommerce, marketplaces, bank feeds, refunds and payment processors often do not match cleanly.
Short payment terms, large orders and rising stock costs can force reactive decisions.
B2B customers, credit terms and slow payments can leave cash trapped even when sales look strong.
Multiple sales channels, stock purchases, imports, returns and messy records create avoidable VAT anxiety.
Without clean inventory reporting, the numbers can look fine while the business feels unstable.
No usable reporting, no clean margin view, and no confidence in what is actually working.
Who this page is built for
Different stock-led businesses. One need for stronger financial control.
Retail and wholesale businesses share the same finance pressure points — stock, cash, VAT, margins and systems — but those pressures show up differently depending on how you sell.
For off licences, convenience shops, boutiques, bookshops and electronics stores.
We help with POS reconciliation, cash/card takings, stock movement, supplier bills, staff costs, VAT, shrinkage, margins and local trading pressure.
For online stores, marketplace sellers and product-based digital retailers.
We help with Shopify, WooCommerce, marketplace income, payment processors, platform fees, refunds, returns, stock, delivery costs, VAT and margin visibility.
For B2B wholesalers and distributors supplying other businesses.
We help with bulk stock, customer credit terms, debtor control, supplier terms, warehouse movement, logistics costs, VAT, cash tied in inventory and management reporting.
What changes with the right finance support
Control feels calmer. Decisions feel easier. And you stop guessing.
If you are serious about running a stronger operation, we help you build a finance system that matches the pace of retail and wholesale.
Cash visibility
Know what is safe, what is tight, and what to fix before it bites.
Cleaner month-end
Faster close, fewer surprises, and numbers you can trust.
Margin protection
Spot leakage earlier across stock, pricing, fees, labour, delivery and returns.
What we fix
Practical fixes for retailers, eCommerce sellers, wholesalers and distributors.
We focus on the areas that usually create the most pressure: sales reconciliation, VAT, inventory, supplier terms, customer credit, payroll, margins and reporting.
POS, bank and eCommerce reconciliation
Card takings, online receipts, marketplace income, refunds, payment processors and bank feeds reconciled properly.
Stock and inventory reporting
Cleaner visibility over stock movement, slow-moving lines, stock purchases, warehouse movement and inventory value.
Supplier terms and cash planning
A simpler cash plan so supplier pressure, large orders and payment timing do not dictate everything.
Debtor control for wholesalers
Better visibility over B2B customers, credit terms, overdue invoices and cash trapped in receivables.
Marketplace and platform fee tracking
Fees, deductions, refunds, delivery costs and processor charges separated so margins are clearer.
Returns, refunds and discount visibility
See where refunds, returns, discounts, shrinkage and wastage are weakening profit.
Payroll and staff costs
Accurate payroll and cleaner visibility over staff costs, rotas, overtime and wage pressure.
Management accounts for margins and stock
Monthly reporting that explains sales, stock, gross profit, cash movement and margin pressure in plain English.
Real proof
Clearer numbers create better control.
Retail and wholesale owners often come to us when sales are moving, but cash still feels tight, stock feels difficult to read, and the real margin picture is unclear.
With cleaner bookkeeping, better reconciliation, stronger reporting and practical advisory support, owners gain clearer visibility over cash, stock, costs, VAT and the decisions that affect profit.
Helpful next steps
Tools and pages that help you move forward, even before we speak.
Practical resources for cash, VAT, inventory, supplier pressure, product costs, margins, payroll and financial control.
Tax Tools Hub
Quick calculators to help you plan and reduce surprises.
Explore Tax Tools →Cash Flow Statement Template
Understand money coming in, money going out and where pressure builds.
View Template →Business Cost Review Template
Review supplier costs, platform fees, delivery costs, payroll, overheads and profit leakage.
View Template →Retail & Wholesale Finance Guide
Practical guidance for retailers, eCommerce sellers, wholesalers and distributors.
Explore Industry Guides →Related services
How we support Retail & Wholesale businesses.
Choose the support you need, or we will help you pick the highest-impact starting point.
Bookkeeping
Clean records, reconciled data, POS/eCommerce income, stock costs and a monthly routine that sticks.
Explore Bookkeeping →VAT Returns
Done correctly, filed on time, and built on clean evidence across stock, sales and expenses.
Explore VAT Returns →Payroll
Accurate pay, pensions handled, and clearer staff cost visibility.
Explore Payroll →Management Accounts
Monthly reporting that shows sales, stock, margin, cash and cost pressure clearly.
Explore Management Accounts →Tax Services
Returns, planning, VAT support and tax filings that protect cash.
Explore Tax Services →Advisory Services
Ongoing support to improve decisions, margins, structure and control.
Explore Advisory →Cashflow & Profit Improvement
Improve cash control, supplier planning, stock visibility and product margin decisions.
Explore Cashflow & Profit →Cloud Accounting
Build a cleaner system around POS, eCommerce, bank feeds, receipts, stock and reporting.
Explore Cloud Accounting →FAQs
Retail & Wholesale accounting FAQs.
These are the questions retailers, eCommerce sellers, wholesalers and distributors often ask before they book.
Yes. We can help local retailers such as off licences, convenience shops, boutiques, bookshops and electronics stores with bookkeeping, POS reconciliation, VAT, payroll, stock, supplier costs and margin visibility.
Yes. We can help reconcile eCommerce sales, marketplace income, refunds, returns, payment processors, delivery costs, platform fees and bank receipts so your numbers are cleaner.
Yes. We can help B2B wholesalers and distributors improve visibility over stock, customer credit terms, overdue invoices, supplier terms, warehouse movement, VAT and cash tied in inventory.
Yes. We can help structure reporting so product costs, discounts, refunds, platform fees, delivery costs, staff costs and stock movement are easier to understand.
Yes. VAT and payroll often sit alongside bookkeeping and reporting, especially for retailers and wholesalers with staff, stock, multiple sales channels and supplier pressure.
If you want clearer visibility over cash, profitability, stock, products, customer credit, supplier pressure or sales channels, management accounts can be very useful.
Stop guessing around stock, cash, VAT, supplier pressure and margins.
Get clearer records, stronger compliance and better visibility across your retail, eCommerce, wholesale or distribution business.