Business Cents
Business Cents is a New Hampshire-based, privately held provider of bundled payroll, bookkeeping, HR, benefits, time and attendance, and virtual hosting services for small and medium-sized U.S. businesses across at least 12 states, sold on flat-fee monthly pricing.
- Company typePrivate
- Founded1998
- HeadquartersLondonderry, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Business Cents does
Business Cents is a privately held, New Hampshire-based provider of bundled back-office services for small and medium-sized businesses in the United States. Founded in 1998 and headquartered in Manchester, NH, the company delivers full-service payroll processing (including multi-state tax compliance for 940, 941, W-2, W-3, state unemployment, and state withholding filings), bookkeeping and financial reporting, HR advisory through "The HR Zone," time and attendance tracking with geofencing, onboarding, benefits administration, background screening, and virtual hosting of remote workstations and servers. Its technology stack centers on cloud-based employer and employee self-service portals layered with partner integrations (Employee Navigator for benefits, National Crime Search for background checks, rapid! PayCard for pay-card distribution, CyberPay Online for payroll, and GoECOMP for workers' compensation), supported by a virtual hosting infrastructure with daily backups and continuous replication.
The company's go-to-market is sales-led and consultative, with direct engagement through a website consultation form, phone outreach, referral-driven growth from existing SMB clients, and channel partnerships. Pricing is positioned as flat-fee and transparent, marketed against percentage-based or per-transaction competitors, with monthly billing cadence and no publicly disclosed price points. Customer evidence is concentrated in SMB professional services, healthcare (chiropractic and wellness), legal, and marketing/promotional verticals across at least 12 U.S. states, with testimonials indicating 5+ year client tenures. The firm employs between 11 and 50 people and has remained independent and privately owned throughout its operating history, with no external funding rounds or institutional investors disclosed.
Business Cents firmographics
Firmographics- Name
- Business Cents
- Legal name
- Business Cents
- Website
- https://businesscents.com
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Business Cents is a New Hampshire-based, privately held provider of bundled payroll, bookkeeping, HR, benefits, time and attendance, and virtual hosting services for small and medium-sized U.S. businesses across at least 12 states, sold on flat-fee monthly pricing.
- Ownership category
- akta.pro rank
Business Cents industry classification
Industry- Product category
- Payroll and Bookkeeping Services
- NAICS
- Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)
- SIC
- Services-Miscellaneous Business Services (7380)
- akta.pro primary industry
- Full-Service Payroll Processing (BPACAIAA)
- akta.pro secondary industries
- Payroll Tax Filing, Compliance & Regulatory Reporting (BPAAAHAB), Expense Reimbursement & Employee Payments Administration (BPAAAHAK)
Keywords
Where Business Cents is headquartered
LocationHeadquarters
- HQ city
- Londonderry
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Business Cents business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Full-Service Payroll: Comprehensive payroll processing services including tax filing, direct deposit, payroll tax compliance, and reporting. Revenue generated through flat-fee pricing model for payroll processing services.
- Bookkeeping Services: Financial management services including ledger maintenance, accounts payable/receivable, monthly reconciliation, financial reporting, and tax preparation support. Billed as part of comprehensive financial management solution.
- Benefits Administration: Benefits solutions through Employee Navigator partnership including health insurance, retirement plans, and voluntary benefits administration.
- Background Screening: Background check services provided through National Crime Search partnership for employment screening.
- Virtual Hosting: Virtual workstation and server hosting services providing enterprise-grade computing infrastructure for small businesses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Flat Fee Pricing - All services priced transparently with no hidden fees |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Business Cents product offering
Product offeringCore offering
Business Cents provides full-service payroll processing, bookkeeping, HR support, time and attendance, onboarding, benefits administration, background checks, and virtual hosting services to small and medium-sized businesses. The company bundles these back-office functions under a transparent flat-fee pricing model, with employer and employee self-service portals and full payroll tax compliance (940, 941, W-2, W-3, state withholding and unemployment filings).
Product overview
Business Cents is a back-office solutions provider offering a unified portfolio of payroll and bookkeeping services for small to medium-sized businesses. The core offerings consist of Full-Service Payroll (with tax compliance, direct deposit, pay cards, and employer/employee portals) and Bookkeeping (with financial management, reconciliation, and tax preparation support). These core services are supplemented by integrated HR Services (The HR Zone), Time and Attendance Solutions (with geofencing technology), Onboarding Solutions (for hiring and electronic document management), Benefits Solutions (via Employee Navigator), Background Checks (via National Crime Search), and Virtual Hosting (for remote computing infrastructure). The company also provides ancillary tools including a Tax Withholding Estimator. Services use flat fee pricing with an emphasis on back-office outsourcing.
Differentiator
Problem solved
Functional benefit
Products and services
- Full-Service Payroll Comprehensive payroll management solution with transparent fixed-rate pricing, including tax compliance (940, 941, W-2, W-3, state unemployment, state withholding), multiple payment options (checks, direct deposit, pay cards), employer and employee portals, HR support, and compliance support for small and medium-sized businesses.
- Bookkeeping Financial management services including ledger management, bill payments, invoices, monthly reconciliation, financial reporting, accounts payable/receivable management, tax payments and filings, and tax preparation support with 24-hour remote desktop access for SMB clients.
- HR Services (The HR Zone) Human resource support and solutions designed to protect businesses from legal risks, fines, and penalties, providing essential HR support with additional comprehensive assistance available for SMB clients.
- Time and Attendance Solutions Comprehensive timekeeping solutions featuring geofencing technology, mobile device tracking or biometric systems, automated collection and calculation, electronic payroll file transfer, geofencing to restrict clock-ins/outs to designated locations, and Department of Labor compliance.
- Onboarding Solutions All-in-one hiring and onboarding solution with job posting to multiple platforms, video/audio screening, automatic interview scheduling, electronic onboarding management, online document signing (I-9, W-4), background checks, offer letters, tax forms, and customizable onboarding packets.
- Benefits Solutions Comprehensive benefits platform providing centralized benefit management, online enrollment, plan comparison tools, carrier connectivity, employee self-service portal, mobile accessibility, compliance assistance, and reporting and analytics for health insurance, retirement plans, and voluntary benefits.
- Background Checks Background screening solution that vets potential employees, verifies qualifications, assesses criminal history, and confirms past employment as part of the onboarding process.
- Virtual Hosting Seamless computing solutions for network, workstations, and servers, providing enterprise-grade bandwidth and infrastructure with secure monitored premises, daily backups with versioning, and continuous replication every five minutes, including Windows Pro, QuickBooks Pro, and Office 365 for Business.
Companies that use Business Cents
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles1 record
Business Cents technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
Business Cents partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- National Crime SearchcoreBusiness Cents partners with National Crime Search to offer accessible and budget-friendly background screening solutions for their customers. This partnership allows streamlined background checks as part of the onboarding process.
- Employee NavigatorcoreBusiness Cents has partnered with Employee Navigator to provide a comprehensive benefits platform that streamlines benefit administration including health insurance, retirement plans, and voluntary benefits with online enrollment and carrier connectivity.
- IPPA (Independent Payroll Professionals Association)minorProfessional association membership providing industry credentials and best practice standards for payroll professionals.
- American Payroll AssociationminorProfessional association membership providing industry credentials and standards for payroll professionals.
- NH Society of Certified Public AccountantsminorLocal professional association membership for CPAs operating in New Hampshire.
- Greater Derry Londonderry Chamber of CommerceminorLocal chamber of commerce membership supporting business networking and community presence in the Greater Derry Londonderry area of New Hampshire.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Business Cents competitors and assessment
Company assessmentBroad incumbents
- ADP: Largest U.S. payroll and HR services provider, with SMB-focused products (RUN Powered by ADP, ADP TotalSource) directly overlapping Business Cents' market, plus enterprise offerings beyond the SMB niche.
- Paychex: National payroll, HR, and benefits provider serving small to mid-sized businesses. Direct overlap with Business Cents' payroll + tax filing offering and a benchmark for SMB pricing and product.
- Paycor: Cloud-based payroll and HR platform targeting small and mid-sized employers. Comparable customer base and product breadth, including tax filing, benefits, and time tracking.
Direct peers
- SurePayroll: Paychex-owned SMB-focused payroll service for very small businesses and accountants. Direct overlap with Business Cents' payroll offering and competes for the same small-employer buyer.
- Gusto: Cloud-based payroll, HR, and benefits platform built specifically for small and medium-sized businesses. Competes head-to-head with Business Cents for the same SMB payroll + HR buyer, but delivers entirely through self-serve SaaS rather than local service.
- OnPay: SMB-focused payroll and HR services provider with transparent pricing, tax filing, and benefits administration. Closely comparable to Business Cents in target customer, pricing philosophy, and bundled payroll + HR scope.
- Bookkeeper360: Outsourced bookkeeping, payroll, and HR services for SMBs, combining human service with cloud tools. Direct comparable to Business Cents' bundled payroll + bookkeeping + HR model, with a similar SMB target.
- Patriot Software: U.S.-based payroll and accounting software for small businesses, marketed at low price points. Competes with Business Cents for cost-sensitive SMBs that might otherwise choose a local services provider.
- Intuit QuickBooks Payroll: Payroll and bookkeeping bundle sold to QuickBooks SMB customers, often integrated with QuickBooks Online. Direct overlap with Business Cents' core offering, especially the bookkeeping + tax filing combination.
Emerging players
- 1-800Accountant: Virtual accounting and bookkeeping firm offering bookkeeping, tax, and payroll-adjacent services to SMBs. Adjacent overlap with Business Cents on the bookkeeping and small-business advisory side.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Business Cents social profiles
Digital presenceBusiness Cents compliance and trust
Trust signalCompliance5 records
Business Cents financial estimates
Financial estimateRevenue estimate
Valuation estimate
Business Cents leadership team
Management profileNumber of profiles
Profiles6 records
Business Cents funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Business Cents M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Business Cents
What does Business Cents do?
Business Cents provides full-service payroll processing, bookkeeping, HR support, time and attendance, onboarding, benefits administration, background checks, and virtual hosting services to small and medium-sized businesses. The company bundles these back-office functions under a transparent flat-fee pricing model, with employer and employee self-service portals and full payroll tax compliance (940, 941, W-2, W-3, state withholding and unemployment filings).
Is Business Cents a public or private company?
Business Cents is a private company. It is classified as unknown and is currently operating.
When was Business Cents founded?
Business Cents was founded in 1998. It employs 11 to 50 people.
Where is Business Cents based?
Business Cents is headquartered in Londonderry, United States, in the North America region.
How does Business Cents make money?
Five revenue lines are on record. Full-Service Payroll is the primary driver. The others are bookkeeping Services, benefits Administration, background Screening and virtual Hosting.
Who are Business Cents's main competitors?
Broad incumbents on record are ADP, Paychex and Paycor. Direct peers are SurePayroll, Gusto, OnPay, Bookkeeper360, Patriot Software and Intuit QuickBooks Payroll. 1-800Accountant is listed as an emerging player.
Does Business Cents have an API?
No public API is recorded for Business Cents.
What industry is Business Cents in?
Business Cents's product category is Payroll and Bookkeeping Services. Its primary akta.pro industry code is BPACAIAA, Full-Service Payroll Processing, with a secondary code of BPAAAHAB, Payroll Tax Filing, Compliance & Regulatory Reporting. Its NAICS code is 541214 and its SIC code is 7380.