A CPA Partner Program
MRA provides cash payment optimization to owner-operated businesses. We do the analytical work. You deliver additional value to your clients, strengthen your advisory relationship, and earn meaningful recurring revenue — under your brand or ours.
See the Partnership Model Contact Jose Koplewicz"Vendor payment terms often include early payment discounts — stated deliberately by vendors who want to be paid early. But nobody checks them systematically at payment time. The discount expires unclaimed."
Consider a vendor invoice for $10,000 with terms of 2/10 Net 30. The vendor put those terms there on purpose — they are willing to give 2% to be paid 20 days early. Your client pays on day 30. Every time. Not because they decided to — because nobody checked.
That unclaimed 2% discount represents a 36% annualized return on cash deployed early. On a risk-free transaction with an existing vendor.
Late fees compound the problem differently. Neither QuickBooks Online nor Xero has a dedicated field for late fees — they appear as ordinary expense lines, invisible in the AP workflow, never connected back to the payment decision that caused them. Your clients accumulate these costs without ever seeing them as a pattern.
And every dollar sitting unnecessarily on an open line of credit is costing 8% to 10% interest that a deliberate weekly payment decision could eliminate.
This is not a software problem. It is a process problem. The data is in QBO or Xero. The terms are on the invoices. What is missing is someone looking at all of it together, every week, and making a deliberate recommendation. That is what MRA does.
Whether you prefer to offer this under your own firm's name or simply refer clients to MRA directly, the arrangement is designed to be low-friction and high-return for your practice.
MRA provides the full service — weekly analysis, action lists, monthly summaries — under your firm's name. Your client never sees MRA. You bill at your rate and pay MRA a fixed wholesale fee.
You refer a qualifying client to MRA. MRA handles the engagement directly under the MRA name. You earn a one-time finder's fee when the client signs.
The service is structured so that MRA handles all analytical work. The CPA's role in the white-label model is limited to client introduction, monthly review, and billing.
You identify a qualifying client and introduce the AP optimization conversation. MRA provides you with talking points, a one-page client brief, and a qualification checklist. The client signs a service agreement with you — or with MRA directly in the referral model.
MRA conducts the initial audit, configures the model for that client, and begins delivering weekly action lists every Thursday. Monthly summaries are prepared and delivered. Your client receives consistent, high-quality work — under your name if white-label.
You bill your client at $497 per month. You pay MRA $297. The $200 difference is yours, every month, with no ongoing time investment beyond a brief monthly review of the summary your client receives.
Every engagement begins with a paid audit. The audit produces a written report with specific dollar estimates for that client's business — before they commit to anything ongoing. If the numbers don't justify a retainer, we say so. The retainer conversation comes after the client has seen their own results.
A one-time analysis of the client's AP structure, vendor terms, cash position, and line of credit. Delivered as a written report with specific savings estimates. Completed within 8 to 10 business days.
A prioritized payment recommendation: which invoices to pay early, which to hold, and any LOC paydown opportunity. Each item includes the yield calculation. Client review takes approximately 15 minutes.
Documents discounts captured, late fees avoided, LOC interest offset, and cumulative savings to date. Provides a clear accounting of return on the advisory engagement — by month and in total.
A comprehensive map of the client's recurring vendor terms, payment methods, and discount availability — built during onboarding and maintained as the vendor base evolves.
The service generates meaningful value for a specific profile of owner-operated business. These criteria are a useful filter before introducing the conversation.
Annual revenue $1M to $10M — sufficient AP volume to generate savings that justify the advisory cost.
Accounting on QuickBooks Online or Xero — required for AP Aging export and weekly model integration.
Monthly AP of $40,000 or more — the floor below which typical savings do not cover the retainer.
8 or more recurring vendors — enough vendor diversity to surface discount and timing opportunities.
An operating line of credit — not required, but LOC optimization significantly expands available value.
A decision-maker who can act on Thursday — someone with payment authority who can review and approve the weekly action list.
I have spent 30 years in finance and operations. A significant part of that career was in aerospace and defense manufacturing — environments where capital allocation is disciplined and every cost is accounted for with precision.
Working with owner-operated businesses, I found the same financial levers available — early payment discounts, LOC discipline, late fee prevention — but without a dedicated process to capture them. MRA exists to provide that process.
MRA is not a bookkeeping service, a tax advisory, or an accounting firm. We do not manage books, file returns, or offer financial planning.
MRA is an outside advisory focused exclusively on the payment optimization decisions that occur between invoice receipt and due date. We work alongside your firm and your client's existing accounting infrastructure — not in place of it.
There is no channel conflict. The service deepens your client relationship by adding a tangible, measurable financial benefit that your practice delivers.
The engagement is cash-neutral by design. The initial audit either identifies savings that justify the retainer — or it does not. We tell the client before they commit.
MRA operates as an advisory-only service. All payment decisions are made exclusively by your client — MRA provides recommendations, never executes payments. Every deliverable states this explicitly. No one acts on your behalf or your client's behalf without their direct approval.
Client data is handled under strict confidentiality provisions documented in both the CPA Partner Agreement and the Client Service Agreement. Data flows directly to MRA via a secure, SOC 2-compliant client portal — it is never shared with third parties and is used solely for service delivery.
Sample agreements — CPA Partner Agreement and Client Service Agreement — are available upon request before any commitment is made.
AP platforms such as Bill.com and Tipalti are payment execution tools — they process payments and may flag some discount terms. MRA is a payment optimization advisory. The distinction matters: MRA calculates whether paying early is the right decision for this client on this Thursday, given their specific cash position, line of credit rate, covenant constraints, and committed cash calendar. That calculation requires judgment, not just automation.
MRA does not replace your client's payment platform. It tells them which payments to make and why — and they execute using whatever infrastructure they already have.
These are the questions we hear most often from CPA partners during initial conversations. We've answered them directly.
What happens if my client doesn't act on the Thursday Action List?
The service works when clients act on recommendations. MRA's onboarding process is designed to identify clients who have the operational capacity to review and approve a weekly list in approximately 15 minutes. Clients who cannot maintain that cadence are flagged during the qualification conversation — before the audit fee is collected. If a client disengages after the retainer begins, the 30-day cancellation clause in the service agreement provides a clean exit for both sides.
What is MRA's track record? Do you have client references?
MRA is in its first cohort of CPA partnerships. The earnings projections on this site are based on the underlying mathematics — a 2/10 Net 30 discount annualizes to 36.5% regardless of which client holds the invoice. The audit-first model exists precisely to answer the track record question for each individual client: the audit produces verified dollar estimates for that business before anyone commits to a retainer. That is more useful than a general case study.
What are the terms of the agreements? Can I review them before deciding?
Yes. Sample copies of the CPA Partner Agreement and the Client Service Agreement are available upon request before any commitment is made. Both documents address confidentiality, data security, liability, indemnification, termination rights, and dispute resolution. We encourage you to share them with your firm's counsel before signing.
Is this arrangement permissible under CPA ethics rules?
Both the referral arrangement and the white-label arrangement are structured to be consistent with AICPA ethics standards. The key compliance steps — written referral fee disclosure to clients, appropriate confidentiality protections for client data, and maintenance of professional responsibility for white-label work product — are straightforward. A detailed legal memorandum covering the specific AICPA Code sections, independence analysis, and state board considerations is available upon request. We recommend sharing it with your firm's ethics partner.
A brief call is enough to determine whether MRA is the right fit for your practice and your clients. No obligation, no pitch — a direct conversation about whether the numbers make sense.