Bookkeeping Expert - Zach Pasquariello

Zach Pasquariello
  • 4.3 (6)
  • Entrepreneurship
  • Weekly

Are you eager to launch your own online bookkeeping business but unsure where to begin? I provide you with a detailed step-by-step guide to kickstart your journey as a bookkeeping entrepreneur. Discover essential tips, tools, and strategies to succeed in this lucrative field. Watch now and take the first steps towards financial independence and a thriving online bookkeeping business!

  1. 18h ago

    She Grew a Business to $225K/Year. Now She's Buying a Tax Firm

    She grew a pet boarding and grooming business from $75,000 to $225,000 in annual revenue. Now she's leaving her job, buying a tax preparation business, and building a bookkeeping business. In this video, I sit down with Kristi, an entrepreneur who has spent years building businesses and is now preparing for her next chapter. Kristi recently left her main job to focus on entrepreneurship. She's in the process of purchasing an established tax preparation business that generates approximately $50,000 in annual revenue, and she already has a handful of bookkeeping clients. We talk about what it takes to grow a small business, how to get bookkeeping clients, how I used Facebook and LinkedIn to market Harrisburg Bookkeeping, and why building trust is more important than going viral. I also share how I got started in private real estate lending with $50,000, why I decided to lend money instead of buying rental properties, and how I eventually built ZIP Capital into a multimillion-dollar lending business. One of my favorite parts of this conversation is hearing Kristi explain how she grew her pet business from $75,000 to $225,000 in annual revenue over six years, and how she plans to apply those lessons to her new tax business. If you're a bookkeeper, accountant, tax preparer, entrepreneur, or someone thinking about leaving your job to start a business, I think you'll enjoy this conversation. I'm documenting my journey from starting Harrisburg Bookkeeping in 2020 to building ZIP Capital, sharing the successes, mistakes, and lessons along the way. Subscribe if you're interested in bookkeeping, entrepreneurship, business growth, real estate investing, and building a business. *CHAPTERS* 00:00 - Meet Kristi: Accounting and Entrepreneurship 01:07 - Leaving Her Job to Start a Business 02:21 - Building a Bookkeeping and Tax Business 04:55 - Revenue Goals and Business Growth 07:14 - How to Get More Bookkeeping Clients 08:09 - My Facebook Marketing Strategy 09:23 - Building Trust Through Social Media 10:41 - Exploring Private Money Lending 11:47 - How I Started Lending With $50,000 12:51 - What My First Private Loan Was Like 14:22 - Business Loans vs. Personal Mortgages 16:08 - Working With a Real Estate Attorney 17:45 - The Biggest Challenge Growing ZIP Capital 19:41 - My First Year in Private Lending 20:12 - Connecting Borrowers With Private Lenders 21:35 - Why I Started ZIP Capital 22:38 - Why I Share My Business Experiences 25:25 - How I Discovered My Passion for Accounting 27:02 - Why Entrepreneurship Offers More Freedom 31:19 - Building a Business Around Customer Service 32:51 - Why Customer Service Matters More Than Getting Clients 34:08 - Final Thoughts This video is for educational and informational purposes only and is not financial, legal, tax, or investment advice or an offer to buy or sell securities. Business revenue figures are not profit figures. Real estate investing and private lending involve risk, including the potential loss of principal. Results are not guaranteed. #BookkeepingBusiness #Entrepreneurship #SmallBusinessGrowth #TaxPreparation #BusinessOwnership

  2. 1d ago

    I Was a Bookkeeper. Now I Lend $8.5 Million.

    I started with $50,000 and made my first private real estate loan to one of my bookkeeping clients. Today, I have approximately $8.5 MILLION lent out through my private lending business, ZIP Capital. And the crazy thing is, I discovered this entire business opportunity because I was doing bookkeeping for real estate investors. In this video, I sit down with Stacy Cruz, a Lancaster, Pennsylvania entrepreneur who runs a financial services business offering bookkeeping, taxes, mortgages, credit repair, and more. Stacy wants to learn how to start private money lending, and I walk her through the exact process I followed, from my first $50,000 loan in 2023 to building ZIP Capital. We discuss how I made $1,000 in 30 days on my first loan, why I chose lending instead of buying rental properties, how I underwrite real estate investments, and the systems I use to protect my capital. I also share a real example of a $115,000 loan, including the purchase price, renovation budget, lending terms, and fees. If you're a bookkeeper, accountant, entrepreneur, or small business owner, I think you'll find this conversation especially interesting. Bookkeeping taught me how to analyze financial statements, understand real estate transactions, work with investors, and organize financial information. Those same skills eventually helped me build a completely different business. We also talk about growing a business through social media, building trust with clients, delegating responsibilities, and finding opportunities that align with your strengths. I'm documenting my journey from starting Harrisburg Bookkeeping in 2020 to building ZIP Capital into a much larger real estate lending business. Subscribe if you're interested in bookkeeping, entrepreneurship, business growth, real estate investing, and building wealth. *CHAPTERS* 00:00 - Introduction 00:16 - Meet Stacy: Bookkeeping, Taxes, and Financial Services 02:49 - How Social Media Builds Trust and Attracts Clients 05:53 - Private Money vs. Hard Money Lending 07:43 - Why Underwriting Matters More Than Returns 09:52 - Rehab Draws, Cash Reserves, and Borrower Experience 11:21 - My Real Estate Lending Rates and Fees 12:10 - How Bookkeeping Led Me Into Private Lending 13:44 - How I Started Lending Money Legally 16:49 - How I Protect Loans With Insurance 18:54 - How Bookkeeping Prepared Me for Real Estate Lending 19:56 - How I Underwrite Properties and Borrowers 22:13 - Why Client Organization and Communication Matter 23:38 - Finding Your Competitive Advantage in Business 24:47 - How Much Money Do You Need to Start Lending? 25:32 - Breaking Down a Real $115,000 Loan 28:11 - How I Structure Origination and Lending Fees 30:31 - Why There's Opportunity for More Private Lenders 31:27 - Why I Focus on First-Lien Real Estate Loans This video is for educational and informational purposes only and is not financial, legal, tax, or investment advice or an offer to buy or sell securities. Private lending and real estate investing involve risk, including potential loss of principal. Figures and examples reflect the circumstances discussed at the time of recording. Results are not guaranteed and will vary. #BookkeepingBusiness #Entrepreneurship #PrivateMoneyLending #BusinessGrowth #RealEstateInvesting

  3. 2d ago

    I Met With a CPA Firm Owner Making $5K Per Month

    I met with Lee McClellan, an entrepreneur who started his own accounting firm two years ago and is now generating approximately $5,000 per month in revenue. Lee provides bookkeeping, tax preparation, and payroll services to small businesses. With approximately 20 tax clients, 10 bookkeeping clients, and his first offshore employee, he's working on growing his business and figuring out how to attract more customers. In this conversation, we discuss what it actually takes to build a successful accounting firm, why getting clients is often harder than doing the accounting work, and how referrals, Facebook, Google, and social media can help grow a service business. We also talk about artificial intelligence and the future of bookkeeping. Will AI replace bookkeepers and accountants? Or will it create opportunities for entrepreneurs who learn how to use it? Lee also asks about my decision to transition away from Harrisburg Bookkeeping and focus on ZIP Capital, my private real estate lending business with approximately $8 million in outstanding loans at the time of our conversation. I explain why I believe real estate lending offers greater earning potential for my business model, why I'm working toward raising $100 million for ZIP Capital, and why I think entrepreneurs should focus on building one great business instead of trying to operate several businesses simultaneously. **WHAT WE DISCUSS:** - How Lee started his accounting firm in October 2024 - Growing an accounting business to $5,000 per month - Managing bookkeeping, tax preparation, and payroll services - Hiring his first offshore employee - Why specializing in one software can improve efficiency - How to find bookkeeping and accounting clients - Why word-of-mouth referrals are so valuable - Using Facebook groups and Google to attract customers - The importance of customer service and client retention - Why I'm transitioning away from Harrisburg Bookkeeping - Comparing the economics of bookkeeping and real estate lending - Why entrepreneurs should focus on one business - Whether artificial intelligence will replace bookkeepers - How accountants can leverage their existing skills in real estate investing - Why ZIP Capital focuses on single-family residential properties My goal with these conversations is to share real discussions with entrepreneurs about their businesses, challenges, successes, and opportunities. Whether you're starting a bookkeeping business, building an accounting firm, exploring real estate investing, or simply interested in entrepreneurship, I hope this conversation provides some valuable perspective. Subscribe for more conversations with business owners, investors, and entrepreneurs. **CHAPTERS** 00:00 Meet Lee McClellan, Accounting Firm Owner 00:42 Hiring His First Offshore Employee 01:07 Starting His Accounting Firm in 2024 01:22 Bookkeeping, Tax Preparation, and Payroll 02:07 Why Specializing in One Software Matters 02:56 Making $5,000 Per Month With His CPA Firm 03:40 The Hardest Part of Growing an Accounting Business 04:47 How Lee Finds New Clients 06:17 Why Word-of-Mouth Referrals Work 06:50 How Facebook Helped Grow My Bookkeeping Business 07:40 Choosing the Right Marketing Strategy 08:21 Lee's Plans for Growing His Business 08:51 Why I'm Leaving Bookkeeping for Real Estate Lending 09:32 Comparing the Earning Potential of Two Businesses 12:07 Should Entrepreneurs Hire Employees? 13:23 Why I'm Not Keeping Harrisburg Bookkeeping 15:19 Why I Believe Entrepreneurs Should Focus on One Business 16:11 Will AI Replace Bookkeepers and Accountants? 17:44 How AI Could Change Accounting Pricing 18:19 Preparing for the Future Without Losing Focus 19:34 How I Started Real Estate Lending With $50,000 20:33 Why Real Estate Lending Fits Accountants 21:20 Comparing Real Estate Lending to Private Equity 22:51 Should Investors Convert Offices Into Housing? 23:37 Why ZIP Capital Only Lends on Single-Family Homes 24:31 Final Thoughts **DISCLAIMER** This video is intended for educational and informational purposes only and does not constitute financial, legal, tax, or investment advice or an offer to sell securities. Revenue and performance figures discussed represent the speakers' reported experiences at the time of recording. Business results vary, and investment returns are not guaranteed. Real estate lending involves risk, including the potential loss of principal. #CPA #BookkeepingBusiness #Entrepreneurship

  4. 3d ago

    I Met With a Fractional CFO Making $50K Per Month

    Chris Carter built a bookkeeping and fractional CFO business generating $50,000 per month in recurring revenue. Now he's considering entering the world of private real estate lending. In this one-on-one conversation, I share how I went from running Harrisburg Bookkeeping to building ZIP Capital, a private real estate lending business with approximately $8 million in outstanding loans at the time of recording. We discuss how I started lending with just $50,000 of my own money in 2023, how I evaluate real estate deals, how private lenders generate revenue, and how I've raised millions of dollars through social media. But this conversation goes well beyond real estate. Chris and I also discuss what it's like to build a successful bookkeeping business, the impact of artificial intelligence on accounting, how to attract higher-paying clients, why I believe YouTube is one of the best marketing tools for entrepreneurs, and the difficult decision of whether to keep growing an existing business or pursue something new. Some of the biggest topics we cover include: - Building a $50,000/month bookkeeping and fractional CFO business - Starting a private real estate lending business - Evaluating real estate investments and underwriting loans - How private lenders make money through interest and fees - Raising investment capital through organic social media - Growing a business with higher-ticket clients - Creating YouTube content that attracts customers and investors - Deciding when to leave a successful business behind - Why focusing on one business can be more valuable than pursuing multiple opportunities My goal with these conversations is to openly share how I operate ZIP Capital and help other entrepreneurs learn from my experiences. If you're interested in entrepreneurship, private money lending, real estate investing, bookkeeping, or growing a business, subscribe for more conversations like this. *CHAPTERS* 00:00 Meet Chris Carter and His Bookkeeping Business   00:50 Building a $50K/Month Business in Two Years   01:45 Why Specializing in a Niche Works   03:04 AI, Bookkeeping, and the Opportunity in Lending   04:32 Why Accountants Can Become Private Lenders   05:06 How I Started Lending With $50,000   06:27 Growing ZIP Capital to $8 Million in Loans   08:20 Learning How to Underwrite Real Estate Loans   08:55 Why After-Repair Value Matters   12:06 What I Look for Before Funding a Loan   15:25 How ZIP Capital Makes Money   19:46 What I Would Do Differently   21:51 Raising $7 Million Through Social Media   23:56 Why I'm Leaving My Bookkeeping Business   26:35 My Advice for Creating Business Content   32:47 Chris's Next Business Growth Challenge   35:05 Attracting $5,000/Month CFO Clients   40:38 The Problem With Growing Just to Grow   42:32 Why Bigger Clients Can Be Better   44:42 How YouTube Can Lead to Speaking Opportunities   46:38 The Best Social Media Platform for Business Owners   50:14 How Big Can ZIP Capital Become?   53:01 Investing in Businesses You Already Understand   57:38 Merchant Cash Advances vs. Real Estate Lending   1:00:33 My Philosophy on Lending Against Real Estate   1:01:41 Why Focusing on One Business Matters *DISCLAIMER* This video is for educational and informational purposes only and does not constitute investment, financial, legal, or tax advice or an offer to sell securities. Real estate lending involves risk, including the potential loss of principal. Financial results, performance figures, and projections discussed in this video reflect experiences and assumptions at the time of recording. Future results are not guaranteed. #RealEstateLending #PrivateMoneyLending #Entrepreneurship

  5. 3d ago

    How to Start Private Money Lending (My $8 Million Lending System)

    I currently have approximately $8 million lent out across 70 real estate loans. In this video, I sit down with Venkat, an experienced real estate investor who wants to start private money lending, and walk him through exactly how I structure, underwrite, and manage my real estate loans. We discuss everything from finding borrowers and setting interest rates to evaluating properties, managing construction draws, and protecting your investment. We also break down a real $180,000 loan proposal involving a $115,000 purchase price, $65,000 renovation budget, and projected $250,000 after-repair value (ARV). Here's what we cover: - How to get started as a private money lender - How I structure my real estate loans at ZIP Capital - My 12% interest rate, origination fees, and closing costs - How to evaluate after-repair value (ARV) - Why I sometimes finance 100% of the purchase price - How I structure and release construction draws - How to verify borrower liquidity and cash reserves - How to find real estate investors who need financing - How to protect yourself when borrowers default - How fix-and-flip and BRRRR loans get repaid - The documents and systems needed to start lending I've funded approximately 150 real estate loans, and I share the actual processes I've developed from that experience. Whether you're interested in becoming a private money lender, already lending your own money, or investing in fix-and-flip properties, this conversation provides a practical look at how private real estate lending works. CHAPTERS 00:00 Why switch from flipping houses to lending? 05:18 Why I became a private money lender 08:20 My $8 million real estate lending portfolio 10:39 How I protect my capital 14:39 Why lenders need control of their loans 17:07 How to find borrowers 19:09 My interest rates and lending fees 22:18 Financing 100% of the purchase price 25:31 How construction draws work 31:57 Why speed and flexibility matter 36:18 My 70% ARV underwriting formula 43:23 Breaking down lending fees 49:01 Evaluating a real $180,000 loan 55:48 Borrower cash reserves and requirements 58:25 How BRRRR loans get repaid 1:00:03 Managing late payments and loan extensions 1:03:38 Documents needed to close a loan ABOUT ZIP CAPITAL I'm Zach Pasquariello, founder of ZIP Capital, a Pennsylvania-based private real estate lending business. We provide short-term financing to real estate investors purchasing, renovating, and refinancing investment properties. Subscribe for more conversations about private money lending, real estate investing, underwriting, and building a real estate lending business. Disclaimer: This video is for educational purposes only and is not financial, legal, or investment advice. Private lending involves risk, including the potential loss of principal. Loan terms and underwriting standards vary by transaction. #PrivateMoneyLending #RealEstateInvesting #HardMoneyLending

  6. 4d ago

    My $8 Million Real Estate Lending Business Explained | Investor Q&A

    I sat down with Georgi, an aspiring private real estate investor from Bulgaria, for a 63-minute conversation about how I built ZIP Capital, my private real estate lending business based in Pennsylvania. At the time of recording, I had approximately $8 million in outstanding real estate loans spread across roughly 70 properties and 45 different borrowers. Georgi came prepared with some great questions about how private lending works, how I underwrite real estate investments, how I protect investor capital, and what would happen if the real estate market crashed. We also discussed the differences between passive investing and lending your own money, the potential for international investors to participate in U.S. real estate funds, and my long-term goal of growing ZIP Capital to $100 million. In this conversation, we cover: - How I went from bookkeeping to private real estate lending - How social media helped me raise millions of dollars - How ZIP Capital's real estate investment fund works - The difference between active lending and passive investing - How I calculate after-repair value (ARV) - Why I focus on conservative underwriting - What happens when a borrower defaults - How I structure my short-term real estate loans - How I think about a potential real estate market crash - Why I don't use bank leverage - The potential opportunities and challenges for international investors - Why I'm winding down my bookkeeping business to focus on ZIP Capital - My goal of building a $100 million real estate lending business My goal with these conversations is to share what I've learned from building a private lending business and help other entrepreneurs and investors better understand the industry. If you're interested in real estate investing, private lending, hard money lending, or building an investment fund, I think you'll find this conversation valuable. *ABOUT ZIP CAPITAL* ZIP Capital is a Pennsylvania-based private real estate lending business focused on financing real estate investors purchasing, renovating, and refinancing investment properties. 00:00 Introduction: Meeting Georgi from Bulgaria 02:25 How Social Media Helped Me Raise $7 Million 04:07 How I Started My Real Estate Lending Business 07:43 Why I Prefer Real Estate-Backed Loans 09:26 Can International Investors Invest in ZIP Capital? 11:37 Active Lending vs. Passive Investing 14:38 How I Diversify Across 70 Real Estate Loans 17:25 How I Underwrite Properties and Calculate ARV 20:36 What Happens if a Borrower Defaults? 23:37 Avoiding Foreclosure With a Deed in Lieu 25:00 How Big Is the Private Lending Market? 29:24 Loan Terms, Repayments, and Extensions 31:11 How ZIP Capital Makes Money on Loans 33:16 What Happens if the Real Estate Market Crashes? 35:58 Inflation, Currency Risk, and the U.S. Dollar 40:27 Why ZIP Capital Doesn't Use Bank Leverage 41:04 Selling Loans and Working With Loan Servicers 44:21 How ZIP Capital Reports Investor Interest Income 46:29 ZIP Capital's Investor Return Tiers 48:19 International Investors and Fund-of-Funds Structures 51:34 Why I Stopped Selling Individual Loans 54:07 Why I'm Shutting Down My Bookkeeping Business 58:55 Why I'm Focusing on Growing ZIP Capital 1:01:03 Final Thoughts and Next Steps DISCLAIMER This video is for educational and informational purposes only and does not constitute investment, legal, or tax advice, or an offer to sell or solicitation to buy securities. Private real estate lending involves substantial risks, including borrower default, loss of principal, changes in property values, and limited liquidity. Past performance does not guarantee future results. Any investment opportunity is subject to applicable eligibility requirements, offering documents, and applicable law. Financial figures and terms discussed reflect the time of recording and may change.

  7. Oct 29

    I Made $10,995 in ONE DAY Lending Money (Here's How)

    I collected $10,995 in gross fees at closing from ONE $160,000 real estate loan. And that doesn't include the ongoing interest income. In this video, I'm breaking down exactly how I structured a $160,000 private money loan in Mercer County, Pennsylvania, how I evaluated the property, and how I manage risk as a real estate lender. I started lending my own money in 2023 with just $50,000. Today, I operate ZIP Capital, a private real estate lending fund focused exclusively on financing single-family investment properties throughout Pennsylvania. Here's what I cover: - How I collected $8,500 in origination fees, $995 in processing fees, and $1,500 in underwriting fees - How a 12% annual interest rate generates $1,600 per month on a fully outstanding $160,000 loan - How I analyze real estate deals using comparable sales and after-repair value (ARV) - Why I lent approximately 67% of the property's estimated $240,000 ARV - How I evaluate borrowers, including liquidity, experience, and tax returns - How I protect my capital through mortgages, personal guarantees, and insurance - How I structured a $70,000 rehab holdback and release funds as work is completed - How I built ZIP Capital from lending my own savings into managing a private lending fund Whether you're interested in becoming a private money lender, investing in real estate, or understanding how hard money loans work, this video provides a real example of the economics and risks involved. VIDEO CHAPTERS 00:00 How I Collected $10,995 in One Day 00:42 Breaking Down the $160,000 Loan 01:50 My Upfront Lending Fees 03:02 How I Earn Monthly Interest Income 04:23 The Biggest Barrier to Private Lending 05:53 How I Started My Lending Business With $50,000 08:00 Understanding the Risks 09:09 How I Underwrite Real Estate Borrowers 11:50 How I Calculate After-Repair Value 13:48 How I Secure and Protect My Loans 15:12 Breaking Down the Property Purchase 17:23 How My $70,000 Rehab Holdback Works 19:18 Why I'm Building ZIP Capital *ABOUT ZIP CAPITAL* ZIP Capital is a Pennsylvania-based private real estate lending fund. We raise capital from accredited investors and use those funds to finance local real estate investment projects. Subscribe for weekly videos about private lending, real estate investing, entrepreneurship, property walkthroughs, and building ZIP Capital. DISCLAIMER The $10,995 represents gross fees collected at closing, not net profit after expenses, taxes, or potential losses. Interest income is earned over time and is not guaranteed. ARV is an estimate, not a guaranteed sales price. Private real estate lending involves significant risks, including borrower default, loss of principal, and limited liquidity. Past transactions do not guarantee future results. This video is for educational purposes and is not investment advice or a securities offering. #PrivateLending #HardMoneyLending #RealEstateInvesting

  8. Oct 20

    How I'm Building a $10 Million Real Estate Investment Fund

    How do you build a $10 million real estate investment fund from scratch? In this video, I'm breaking down exactly how I'm growing ZIP Capital, my Pennsylvania-based private real estate lending fund. I'll share the marketing strategies, investor relationships, and business decisions that helped me raise $3 million in 2025 and another $4 million in 2026 as I work toward my $10 million goal. Building an investment fund isn't just about finding people with money. It's about establishing trust, developing relationships, building a track record, and consistently showing up over time. I'll walk through how I'm using LinkedIn, paid advertising, short-form videos, property walkthroughs, and investor meetings to raise capital for ZIP Capital. I'll also explain why I'm winding down my bookkeeping business to focus on one thing and how I'm evaluating new opportunities like local events, sponsorships, and industry conventions. In this video, you'll learn: - How I'm building a $10 million real estate investment fund - How I raised $3 million in 2025 and $4 million in 2026 - My LinkedIn strategy for connecting with potential investors - How I'm using paid advertising to generate investor interest - Why I create short videos documenting my lending business - How property walkthroughs help me showcase ZIP Capital's work - How I approach investor meetings and building relationships - Why I'm moving away from Harrisburg Bookkeeping to focus on ZIP Capital - Marketing strategies I'm considering to raise additional capital - Why trust, consistency, referrals, and patience matter for long-term growth I also share lessons from building Harrisburg Bookkeeping, where Google reviews, Facebook referrals, and word of mouth helped me grow the business. I'm now applying many of those same principles to ZIP Capital. My goal is to build ZIP Capital into a successful real estate lending company over the next several decades. I'm documenting that journey publicly, including the strategies that work, the challenges I encounter, and the decisions I make along the way. If you're interested in raising capital, private money lending, hard money lending, real estate investing, entrepreneurship, or building an investment fund, I hope this video gives you a useful look behind the scenes. Disclaimer: This video is for educational and informational purposes only and does not constitute an offer to sell or a solicitation to buy securities, or investment, legal, tax, or financial advice. Investments involve risk, including possible loss of principal. Past performance does not guarantee future results. ZIP Capital investment opportunities are available only to verified accredited investors, subject to applicable offering documents and legal requirements. Returns are not guaranteed. #RealEstateInvesting #RaisingCapital #PrivateMoneyLending

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4.3
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Are you eager to launch your own online bookkeeping business but unsure where to begin? I provide you with a detailed step-by-step guide to kickstart your journey as a bookkeeping entrepreneur. Discover essential tips, tools, and strategies to succeed in this lucrative field. Watch now and take the first steps towards financial independence and a thriving online bookkeeping business!

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