Step 6: Fund Your Bookkeeping Business. After completing your business plan, you’ll have a good idea of what your estimated costs will be. In general, the startup costs for a bookkeeping business can be low if you work out of a home office as opposed to leasing office space, which we’ll discuss in the next section., Small business owners don't usually have the resources to hire their own accounting or bookkeeping team. In fact, only 62% of small businesses have in-house accountants , which means that more than a third of small business owners turn to external companies to assist with bookkeeping and other financial services., , , , .