Books rebuilt in as little as 24 hours, subject to records. Returns, IRS letters and lender packages handled by a team with CPAs and attorneys.
ZOCREST / EMERGENCY DESK SAMPLE A / RETAIL / 36 MO BEHIND DUE: LENDER PACKAGE
TOTAL ELAPSED22:48
The next federal dates are not on our calendar yet. Tell us what is due and we will check it with you.
The IRS can postpone deadlines for people and businesses in federally declared disaster areas, so check IRS.gov disaster relief if you were affected. State and local deadlines differ and are not shown. This is general information, not tax advice.
These are federal deadlines for calendar-year filers. When a due date lands on a weekend or federal holiday, it moves to the next business day, and we show the moved date. Fiscal-year filers have different dates. Dates in 2027 are computed from the IRS rules until the IRS posts its 2027 calendar.
Hand us the problem. We hand back finished books, filed returns and answers: CPA-reviewed, with attorneys on the team when the deadline carries legal exposure.
Sample dataSample A: retail, 36 months behind, 7 accounts
Sample A's 36 months of statements held 21,488 transactions. The engine sorts each one into the chart of accounts, hands anything it is unsure of to a person, and the ledger closes with debits equal to credits.
Sample A, sample data: 21,488 transactions from 36 months and 7 bank and card accounts. 20,913 categorized by the engine and 575 reviewed by people. The trial balance follows.
| Account | Debit | Credit |
|---|---|---|
| 1000 Cash | 370,256.47 | |
| 4000 Revenue | 4,926,310.42 | |
| 5000 Cost of sales | 2,463,155.21 | |
| 6000 Payroll | 1,031,880.64 | |
| 6100 Rent | 302,400.00 | |
| 6200 Software | 86,412.37 | |
| 6300 Travel | 41,265.18 | |
| 6400 Taxes | 118,940.55 | |
| 3200 Owner draws | 512,000.00 | |
| Total | 4,926,310.42 | 4,926,310.42 |
Debits = Credits
BalancedSample A / sample
Sample data, for illustration. Your counts and timing depend on your records.
Type the code from the letter. We translate it into plain English, show how long you have, then answer it with you.
Look for the CP or LTR number in the top right corner of the notice. If it looks suspicious, the IRS says to call 800-829-1040. Source: IRS.gov
The IRS found income, credits or deductions on forms from employers, banks or payers that do not match your return. It proposes a change to your tax. It is not a bill, but your response may be required.
You owe tax and the IRS has not received payment. No interest is charged if you pay the full amount by the date on the notice. After that date, interest and a late payment penalty can apply.
This reminds you that you still owe a balance because the IRS has not received payment or a reply to an earlier notice. Ignoring it can lead to a federal tax lien.
You have not responded and still owe a balance. This is the second reminder. If you do not respond, the IRS may file a Notice of Federal Tax Lien.
The IRS says you still owe tax and intends to take your state tax refund, wages, bank accounts or other property. It can also file a federal tax lien.
This is the final notice before the IRS can seize property such as wages or bank accounts. It tells you that you may ask for a collection due process hearing.
The IRS intends to levy certain assets for unpaid tax. It also tells you about your right to a collection due process hearing.
The IRS finished an exam and proposes changes to your return. The letter comes with a report of the changes and explains your options if you disagree.
This is a statutory notice of deficiency. The IRS proposes a change to your tax. It is not a bill or an audit. It starts a 90-day clock to take your case to U.S. Tax Court.
The IRS made changes to your tax return, and you owe because of the changes.
The IRS picked your return for review and asks for records that support items on it. If you do not reply by the due date, the IRS will disallow the items it lists.
The IRS needs more time to check income, withholding, credits or business income on your return. If you did not file this return, someone may have used your information; use Form 14039.
General information about common IRS notices, not tax or legal advice. The dates printed on your letter are the ones that count.
Your name, a way to reach you and what's due. An engagement lead picks it up, and we aim to respond the same day.
An engagement lead will contact you. We aim to respond the same day.
This private link is valid for 24 hours. Do not share it: anyone with it can add files to your request.
Or email support@zocrest.com
Every figure we deliver traces to its ledger account, the transactions behind it, the bank line that paid it and the document that supports it. The workpapers are organized the way an IRS examiner reviews them.
If a letter arrives, our CPAs and attorneys work the response with you.
SampleSample A, retail
| Account | Amount |
|---|---|
| 4000Revenue | |
| Expenses | |
| 5000Cost of sales | |
| 6000Payroll | |
| 6100Rent | |
| 6200Software | |
| 6300Travel | |
| 6400Taxes and licenses | |
| Net income | |
Sample figures. Each one opens its workpapers.
W/P 4000
1,684,220.18
1Statement
Profit and loss, fiscal year 2025: Revenue 1,684,220.18
2General ledger4000 Sales
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 03/13/2025 | DEP-0313 | Card sales, batch 0313 | 9,812.40 |
| 03/14/2025 | DEP-0314 | Card sales, batch 0314 (traced below) | 12,903.10 |
| 03/15/2025 | DEP-0315 | Card sales, batch 0315 | 14,226.85 |
| 03/15/2025 | DEP-0315C | Cash deposit, register 2 | 2,140.00 |
1,741 entries in fiscal 2025. Total agrees to the statement.
3Bank statementOperating account ending 4417
03/17/2025DEPOSIT CARD PROCESSOR BATCH 031412,480.55
Matched net of fees
4Source documentProcessor payout report
Batch 0314, settled 03/17/2025
CPA
CPA review. Sales recorded gross. The deposit is net of fees, so the bank line is smaller than the ledger entry by exactly the fees.
Adjustment. AJE-007: processing fees of 422.55 posted to Cost of sales as merchant fees instead of being netted against revenue.
W/P 5000
842,310.40
1Statement
Profit and loss, fiscal year 2025: Cost of sales 842,310.40
2General ledger5000 Cost of sales
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 05/19/2025 | BILL-2291 | Inventory, wholesale invoice 2291 (traced below) | 18,240.00 |
| 05/22/2025 | BILL-2302 | Inventory, wholesale invoice 2302 | 6,915.75 |
| 05/23/2025 | CC-8841 | Freight in, card ending 2208 | 412.30 |
| 05/28/2025 | BILL-2317 | Inventory, wholesale invoice 2317 | 11,080.20 |
2,640 entries in fiscal 2025. Total agrees to the statement.
3Bank statementOperating account ending 4417
06/02/2025ACH DEBIT SUPPLIER PAYMENT INV 2291(18,240.00)
Matched to invoice 2291
4Source documentSupplier invoice
Invoice 2291, dated 05/19/2025, net 14
CPA
CPA review. Agreed to the receiving log: 240 units received 05/21/2025. Recorded on the invoice date, paid on terms.
Adjustment. AJE-031: year-end count found 14,860.00 of unsold stock, moved from Cost of sales to Inventory.
W/P 6000
352,118.62
1Statement
Profit and loss, fiscal year 2025: Payroll 352,118.62
2General ledger6000 Payroll and payroll taxes
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 08/29/2025 | PR-0829 | Payroll, period ending 08/23 | 13,402.18 |
| 09/12/2025 | PR-0912 | Payroll, period ending 09/06 (traced below) | 13,688.04 |
| 09/26/2025 | PR-0926 | Payroll, period ending 09/20 | 13,515.66 |
26 pay periods in fiscal 2025. Total agrees to the statement.
3Bank statementOperating account ending 4417
09/12/2025PAYROLL PROVIDER NET PAY AND TAXES(13,688.04)
Matched to the register
4Source documentPayroll register
Period ending 09/06/2025
CPA
CPA review. Gross wages agreed to the register and to the third-quarter Form 941.
Adjustment. AJE-044: three days of December wages, 8,071.20, accrued because they were earned in 2025 and paid in January.
W/P 6100
100,800.00
1Statement
Profit and loss, fiscal year 2025: Rent 100,800.00
2General ledger6100 Rent
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 01/01/2025 | JE-0101 | Lease payment, January | 8,400.00 |
| 02/01/2025 | JE-0201 | Lease payment, February | 8,400.00 |
| 03/01/2025 | JE-0301 | Lease payment, March (traced below) | 8,400.00 |
| 04/01/2025 | JE-0401 | Lease payment, April | 8,400.00 |
12 entries in fiscal 2025. Total agrees to the statement.
3Bank statementOperating account ending 4417
03/03/2025ACH DEBIT LEASE PAYMENT SUITE 110(8,400.00)
Due on a Saturday, cleared Monday
4Source documentLandlord invoice
March 2025, Suite 110
CPA
CPA review. Agreed to the lease, section 4: base rent plus common area charges.
Adjustment. No adjustment required.
W/P 6200
29,604.75
1Statement
Profit and loss, fiscal year 2025: Software 29,604.75
2General ledger6200 Software and subscriptions
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 03/03/2025 | CC-3301 | Point of sale software, monthly | 189.00 |
| 03/10/2025 | CC-3317 | Accounting software, annual plan (traced below) | 1,908.00 |
| 03/12/2025 | CC-3324 | Email and file storage | 54.00 |
| 03/21/2025 | CC-3352 | Inventory app, monthly | 99.00 |
214 entries in fiscal 2025. Total agrees to the statement.
3Bank statementBusiness card ending 2208
03/10/2025ACCOUNTING SOFTWARE ANNUAL PLAN(1,908.00)
Matched to the card statement
4Source documentVendor receipt
Annual plan, paid 03/10/2025
CPA
CPA review. Agreed to the vendor receipt and the card statement.
Adjustment. AJE-019: the annual plan covers 12 months, so 318.00 for January and February 2026 moved to Prepaid expenses.
W/P 6300
14,212.09
1Statement
Profit and loss, fiscal year 2025: Travel 14,212.09
2General ledger6300 Travel
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 10/06/2025 | CC-1006 | Airfare, trade show | 412.60 |
| 10/09/2025 | CC-1009 | Hotel, trade show, 3 nights (traced below) | 689.13 |
| 10/09/2025 | CC-1010 | Rideshare, airport | 46.20 |
96 entries in fiscal 2025. Total agrees to the statement.
3Bank statementBusiness card ending 2208
10/09/2025HOTEL FOLIO 3 NIGHTS(689.13)
Matched to the card statement
4Source documentHotel folio
Checked out 10/09/2025
CPA
CPA review. Trade show dates confirmed from the registration receipt.
Adjustment. AJE-052: the third night was personal, so 229.71 moved to Owner draws.
W/P 6400
40,388.11
1Statement
Profit and loss, fiscal year 2025: Taxes and licenses 40,388.11
2General ledger6400 Taxes and licenses
| Date | Ref | Memo | Amount |
|---|---|---|---|
| 01/31/2025 | TX-0131 | Business license renewal | 1,250.00 |
| 04/15/2025 | TX-0415 | County property tax, first half (traced below) | 2,816.40 |
| 10/15/2025 | TX-1015 | County property tax, second half | 2,816.40 |
31 entries in fiscal 2025. Total agrees to the statement.
3Bank statementOperating account ending 4417
04/15/2025COUNTY TREASURER PROPERTY TAX(2,816.40)
Matched to the county bill
4Source documentCounty tax bill
Personal property, 2025
CPA
CPA review. Agreed to the county bill and the paid receipt.
Adjustment. AJE-060: sales tax collected from customers, 3,904.18, had been booked here as an expense. Moved to Sales tax payable.
W/P TB
304,786.21
1FootingEvery line added again
2Trial balance
Revenue less expenses on the trial balance: 304,786.21
Agrees to the statement
3Review
CPA review. Statement footed and agreed to the trial balance. Each line above opens its own trail.
Illustration with sample figures. Got a letter already? Decode the notice.
Seven yes or no questions. Each yes marks a place where credits, deductions or overpaid tax may be waiting. No estimates: eligibility is confirmed before anything is filed.
If yes, look at
Research credit and R&D costs
Work that develops or improves a product, software or process may earn the federal research credit (IRC 41, Form 6765). Since tax year 2025, domestic research costs are generally deductible in the year you pay them (IRC 174A), not spread over five years.
Eligibility turns on a four-part test and good records. We confirm it before anything is filed. The one-time option for small businesses to amend 2022 through 2024 returns for these costs ended July 6, 2026. Source: IRS.gov
If yes, look at
Faster write-offs and missed depreciation
Business assets can often be written off faster than the standard schedule, using section 179 or bonus depreciation. If depreciation was missed in past years, an accounting method change (Form 3115) can sometimes claim it.
Rules depend on the asset, the date it was placed in service and the business's income. Skipped depreciation still lowers the asset's basis, so missing it costs you twice. Source: IRS.gov
If yes, look at
Hiring credits (Work Opportunity Tax Credit)
Hires who started work on or before December 31, 2025 may still qualify for the Work Opportunity Tax Credit, if each one was certified.
The credit covers people who started work on or before December 31, 2025. The IRS page checked on 2026-10-15 shows no extension for later hires. The employer must have filed Form 8850 within 28 days of the start date and received state certification. If that was not done, the credit is generally not available. Source: IRS.gov
If yes, look at
IRS penalty relief
If your last three years were filed on time with no penalties, the IRS can remove certain penalties. For 2025 returns and 2026 quarterly returns, a new Automatic Exemption from Penalty applies on its own. For earlier periods, you ask for First Time Abate.
It covers failure to file, failure to pay and failure to deposit penalties. It does not cover the daily delinquency penalty. If you do not qualify, you may still ask for relief for reasonable cause. Source: IRS.gov
If yes, look at
Sales tax overpaid
Businesses often overpay sales tax by taxing exempt sales, filing twice, or paying in a state where they owed nothing. States allow refund claims, but each state sets its own deadline.
Time limits and forms vary by state. In Nevada, a refund claim is due within 3 years after the last day of the month following the period of the overpayment. After that, the money goes to the State General Fund. Source: Nevada Department of Taxation
If yes, look at
Home office and vehicle costs
A home space used regularly and only for the business can be deducted. So can business miles in a personal vehicle, if you keep a log. Owners often under-claim or skip both.
The space must be your main place of business or where you meet clients. Employees generally cannot deduct unreimbursed car costs on a federal return. Records are required. Source: IRS.gov
If yes, look at
Amended return window
If you filed in the last three years, an amended return may claim a refund for credits or deductions you missed.
The general limit is 3 years from the date you filed or 2 years from the date you paid the tax, whichever is later. A return filed early counts as filed on the due date. Special rules apply to some claims, such as net operating losses and bad debts. Source: IRS.gov
Answer the questions that apply. Each yes adds a place to look.
Find my moneyGeneral information, not tax or legal advice. Credits and refunds have eligibility rules and filing windows, and we confirm eligibility before anything is filed.
Your real numbers, laid out the way lenders review them. Check what you already have. We build the rest from your records.
We never inflate a figure. Every number ties to a statement, a return or a source document.
General information, not lending, tax or legal advice. SBA says the contents of a 7(a) application vary with loan size and the lender's process, and that your lender decides which documents you need.
Financing readiness and business advisory
We are not a lender. You choose the lender; lenders make every credit decision.
What happens between your first call and your deadline. Software and people work in parallel, not one month after another.
Hour 0
A 15-minute call with an engagement lead. We confirm the deadline, the periods involved and exactly what has to be delivered, then send a written scope and fee. Nothing starts until you approve it.
Engagement lead
Hour 1
Read-only bank and card connections or statement exports, your accounting file, payroll and loan statements. Exchanged through a secure channel we set up with you.
You and your engagement lead
Hour 2
Every statement is ingested and every transaction extracted, normalized and categorized against your chart of accounts. Anything the engine is unsure about goes to a person instead of being guessed.
ZOCREST engine
Hour 6
Accountants tie every bank and card account to its statements, month by month, and clear the review queue: transfers, owner draws, loans, payroll and sales tax.
Accounting team
Hour 14
A CPA reviews the ledger, the adjusting entries and the financial statements. Every adjustment is documented with its source and its reason.
CPA
Hour 18
When the deadline involves an IRS notice, a lender covenant, an audit or a dispute, attorneys on our team coordinate with your counsel so the numbers and the legal position line up before anything goes out.
Attorney
Hour 24
Reconciled books, financial statements and tax-ready workpapers, with a memo listing every open item and assumption. Then a call to walk you through it.
Engagement lead
Illustrative schedule. Timing depends on how complete the records are and how quickly access is granted; your schedule is confirmed in writing at scoping.
Software does the volume. People make the calls. That division of labor is how a year of books can take a day, and why every figure in the result is documented for a lender, an auditor or an examiner.
A 30-person team that includes CPAs and attorneys, one mark for each of us. The engagement lead who scopes your work stays on it until delivery. Accountants clear everything the engine flags, a CPA reviews before anything leaves, and attorneys step in when a deadline carries legal exposure.
A typical catch-up works one month at a time. Our process runs every month of the backlog in parallel.
QuickBooks Online, QuickBooks Desktop, Xero or a clean spreadsheet ledger. You keep the books we build.
Indexed like a workpaper binder, because that is what it is. Each engagement includes the items your deadline calls for.
Every account tied to its statements for every month in scope.
A clean chart of accounts, with every adjusting entry documented.
Profit and loss, balance sheet and cash flow, by month, quarter or year.
Ready for your tax preparer, your lender or whoever needs them next.
Open items, assumptions and recommendations, in plain language.
The finished books, in the system you already use.
Our edge, line by line: an emergency engagement against a conventional catch-up.
| Topic | Conventional catch-up | ZOCREST emergency |
|---|---|---|
| Time to tax-ready books | Paced month by month | As little as 24 hours, subject to records |
| How the work runs | Manual entry, one month at a time | Engine-processed, every month in parallel |
| Review | Varies by provider | CPA review before delivery; attorneys involved when the deadline carries legal exposure |
| Fees | Often hourly and open-ended | Agreed in writing before work begins |
| Missing records | Work pauses until they turn up | Rebuilt from statements; gaps listed in the review memo |
DrVenice, 1494
CrLas Vegas, today
In 1494, in Venice, the mathematician and Franciscan friar Luca Pacioli published the first printed description of double-entry bookkeeping. The rule: record every transaction twice, as a debit in one account and a matching credit in another, so the books prove themselves.
ZOCREST still follows his rule on every engagement, just faster. The engine posts every entry with both halves, and the books close on a trial balance where debits equal credits, reviewed by a CPA before they leave our desk.
Cash
Total debits 1,494.00
Sales
Total credits 1,494.00
An emergency is the wrong time for surprises. So the scope, the fee and the deadline are agreed in writing before we start. A named lead answers your calls. Every open item is disclosed, never buried. And your records are handled with the discretion you would expect from a team of CPAs and attorneys.
You approve the deliverables, the deadline and the price before any work begins.
One person who knows your file and picks up the phone, from scoping to delivery.
Anything unresolved is listed in the memo, with what it would take to close it.
Access limited to your engagement team, read-only connections where possible, NDAs on request.
Write, ask for a call, send records or let us into your books. Every route reaches the same desk, and we aim to respond the same day.
The draft lists the four things we ask first. Leave out account numbers, tax IDs and passwords.
We aim to call you the same day. Have records ready? Send them to this request now.
Secure upload
Send a request first. The confirmation opens an encrypted upload for that request, plus a private link to finish later: bank statements, returns, IRS letters, payroll reports.
Accountant access
Add support@zocrest.com as your accountant. We work in the file you already have, and you can remove us at any time.
Office 4858 Howard Hughes Parkway, Las Vegas, Nevada 89169
Anything else, ask on the scoping call or email support@zocrest.com. The call takes 15 minutes and commits you to nothing.
When bank and card records are complete, yes. The engine processes the transactions in hours while the team reconciles and reviews in parallel. Multi-year or badly incomplete records can take longer. You get the exact timeline in writing before you commit.
Read-only access to your bank and card accounts, or statement exports, plus your accounting file if you have one, payroll reports, loan statements and your most recent tax return. We send a precise checklist after the scoping call.
Emergency turnaround is a premium service, priced per engagement on the periods involved, transaction volume, the condition of the records and the deadline. The fee is agreed in writing before any work starts, so there are no hourly surprises.
We deliver tax-ready workpapers to the preparer you already use, and when it is part of the agreed scope, a CPA on our team can prepare the return from the finished books. Tell us which you prefer when we scope the work.
No one can promise the IRS will never ask. What we deliver is audit-ready books: every number traced to a source document, every adjustment explained, and a binder an examiner can follow. If a letter does arrive, our CPAs and attorneys work the response with you.
We look for missed deductions, unclaimed credits and overpaid tax in your recent returns. A refund claim generally has to be filed within three years of the original return, so the sooner we look, the more years are still open. We confirm eligibility before anything is filed, and we never pad a claim.
We prepare your real numbers the way lenders underwrite them: reconciled statements, documented add-backs, a debt schedule and tax returns that tie to the books. We never inflate a figure. Clean, supportable numbers are what get through underwriting.
Uploaded files are encrypted before they are stored, they can only be opened from our private inbox, which is protected by a password and an authenticator code, and they are deleted automatically after 30 days unless your engagement needs them longer. Prefer another route? Email support@zocrest.com and we will send a secure link.
Access is limited to the people on your engagement, bank connections are read-only wherever possible, and files are exchanged through a secure channel we set up with you. We are happy to sign your NDA.
QuickBooks Online, QuickBooks Desktop and Xero, or a clean spreadsheet ledger if you have no system yet. If you use something else, mention it in your request.
We rebuild what we can from bank and card statements and flag everything that needs your input. Anything that stays unresolved is listed in the review memo, with what it would take to close it.
No. We are based in Las Vegas and work with businesses across the United States, remotely and securely.
About two minutes. An engagement lead reviews every emergency request, and we aim to respond the same day.
ZOCREST / EMERGENCY DESK
An engagement lead will contact you to arrange the scoping call. Keep your reference handy.
STATUSWITH THE DESK
Secure deposit
Bank statements, returns, IRS letters and payroll reports. Each file is fingerprinted in your browser, then encrypted before it is stored.
Received0 files
Upload later from this private link
Keep it private. Anyone with this link can add files to your request until it expires.
Prefer email? support@zocrest.com