about the Business Support Center

At Prospera Consulting & Bookkeeping Services, we believe small and mid-sized businesses deserve access to the same strategic tools, financial insights, and operational support that larger corporations often take for granted. Our Business Support Services are designed to address the most pressing and overlooked areas impacting profitability, cash flow, and long-term business sustainability.

We focus on key areas that consistently offer measurable financial benefits—yet are frequently underutilized by business owners due to complexity, lack of awareness, or simply not having the right advisors in place.

1. Employee Healthcare Benefits & Cost Control

Employee healthcare benefits are one of the largest expenses for most businesses—and unfortunately, one of the least optimized. Many companies are locked into inefficient plan structures, unaware of alternatives that could save thousands annually per employee.

Prospera helps businesses evaluate and implement solutions like Level-Funded Health Insurance and Health Management Programs, offered by leading providers such as AffordaCare® Insurance Services and Champion Health, Inc. These programs are designed to control costs without compromising care, offering benefits like increased employee take-home pay, tax savings for employers, and dramatically improved employee retention.

Smart benefit design isn’t a luxury—it’s a strategic necessity. Well-structured benefits are not just a perk—they are a profit strategy.

2. Business Credit & Capital Access

A significant percentage of business failures stem not from poor performance—but from lack of access to capital when it’s needed most. Traditional lending options often leave small businesses waiting weeks for decisions or outright denying them access.

That’s why we connect clients with resources like Fundable360 and Bank Breezy, which streamline the funding process and provide access to business credit lines, working capital, and equipment financing—even for companies that might not qualify through conventional banks.

Whether you’re expanding, hiring, or just bridging a seasonal cash flow gap, we help you find faster, smarter capital solutions.

3. Cybersecurity & Data Protection

Small and mid-sized businesses are now the #1 target for cybercriminals, accounting for more than 40% of all cyberattacks. From phishing and data theft to ransomware and breaches, the threat is real—and growing.

We help businesses implement cost-effective cybersecurity systems through partners like StreamPC, giving owners peace of mind that their client data, financial information, and operations are protected. In today’s environment, cybersecurity is no longer optional—it’s foundational to your company’s survival and reputation.

4. Research & Development (R&D) Tax Credit Qualification

Many business owners are unaware that their efforts to improve products, processes, or services may qualify for federal and state R&D tax credits—even if they don’t run a “tech company.”

We connect clients to experienced R&D tax credit specialists such as Tax Prep Advocates, Inc., who provide nationwide coverage and comprehensive support, including audit protection and full documentation in compliance with IRS standards. These credits can often result in $25,000–$250,000+ in annual cash refunds or tax reductions—providing much-needed reinvestment capital.

Whether you’re testing new processes, developing internal tools, or solving unique technical challenges, you could be leaving money on the table without even realizing it.

5. Referral Relationships & Transparency

While Prospera Consulting & Bookkeeping Services does not receive any referral compensation, Leonard D. Quiroz, CLU®, ChFC®, our Managing Principal, may receive a referral fee directlywhen businesses independently engage certain third-party providers. Where appropriate, he is fully licensed and authorized to receive such compensation ethically and legally.

All referrals are made in good faith, based on the provider’s ability to deliver high-impact results and long-term value to our clients. We only make referrals that would help our clients reach improve their overall situation. We disclose these relationships transparently and will always recommend services we would use ourselves. 

Our goal is to support your success—not to sell services.

Why These Areas Matter

We have chosen to focus on these particular services for one simple reason: they consistently impact your bottom line.

• Health benefits and insurance affect employee morale, tax efficiency, and recruiting.
• Business credit access influences operational agility and growth potential.
• Cybersecurity protects what you’ve built—and keeps your doors open.
• R&D tax credits unlock immediate cash flow from the innovation you’re already doing.

These are not optional extras. They are strategic building blocks for any business committed to long-term performance and resilience.

The Prospera Approach

Prospera isn’t just about bookkeeping. It’s about building clarity, confidence, and capacity within your business—through smart financial management, strategic support services, and personalized consulting that puts your needs first.

We’re here to help you run leaner, grow faster, and sleep better knowing your business is moving in the right direction.

Let’s build something strong together. 

Please see the Disclosure & Disclaimer Statement below.

Statistically 80% of businesses are turned down by traditional Banking Institutions. This is where Bank Breezy comes in with capital funding from $2000 to $2,000,000 - When banks can't help Bank Breezy can.         

Bank Breezy: Making Business Funding Fast, Simple, and Accessible

In a business climate where speed and adaptability are everything, access to capital can be the defining factor between a company that grows—and one that grinds to a halt. Yet for many small and mid-sized businesses, traditional lending channels still operate in slow motion, filled with paperwork, delays, and rigid qualification standards that leave many worthy businesses behind.

That’s where Bank Breezy comes in. As a technology-driven business funding platform, Bank Breezy is redefining what it means to access working capital—with speed, simplicity, and service at the core of its model. Built specifically for entrepreneurs, small business owners, and independent contractors, Bank Breezy offers same-day decisions, funding in as little as 24 hours, and a frictionless online experience that empowers businesses to seize opportunities—not wait on them

While small businesses account for over 99% of all U.S. companies, they remain one of the most underserved groups in the financial system. According to the Federal Reserve’s Small Business Credit Survey, nearly half of small businesses that apply for financing receive less than they requested—or are denied altogether.

Key obstacles include:

• Lengthy application and underwriting processes
   
• Strict credit score requirements
   
• Limited options for startups or businesses with fluctuating revenue
   
• Lack of access to relationship-based banking
   

In today’s fast-paced economy, waiting weeks for a funding decision is often not an option.

Bank Breezy’s Solution: Capital at the Speed of Business

Bank Breezy was built to deliver fast, flexible, and accessible funding without the red tape. Using an intelligent, tech-forward platform, business owners can complete a short application and receive decisions within hours, not days or weeks.

• Fast Approvals & Same-Day Funding: Most applicants receive a decision within minutes and funding in as little as 24 hours.
   
• Minimal Requirements: Bank Breezy works with businesses that have been operating for as little as 6 months and earning $5,000/month or more.
   
• No Hard Credit Checks: Pre-qualification doesn’t impact your credit score—making it a safe, low-risk way to explore options.
   
• Easy Online Process: No paperwork, no bank visits, and no long waits—just a simple digital application and fast communication.
   
• Flexible Repayment: Daily or weekly automatic payments keep cash flow predictable and easy to manage.
   

Bank Breezy understands that not every business fits a traditional mold. That’s why its model is particularly attractive to:

• Retailers and service providers who need short-term working capital
   
• Seasonal businesses that require cash during slow periods
   
• Startups and newer businesses with limited credit history
   
• Contractors and solopreneurs needing fast equipment or material funding
   
• Businesses recovering from unexpected expenses or market shifts
   

By focusing on accessibility and speed, Bank Breezy enables entrepreneurs to make payroll, restock inventory, expand operations, or bridge temporary cash flow gaps—without jumping through hoops.

Positioned for the Future of Business Finance

The fintech revolution has ushered in a wave of online lenders, but Bank Breezy stands out by balancing automation with human support. Clients appreciate the ease of the platform—but also the ability to speak with a real person when questions arise.

In an era where business moves fast, Bank Breezy has carved out a niche as the capital access point for today’s entrepreneur—one that is faster, easier, and more flexible than legacy lenders.

Bank Breezy isn’t trying to replace traditional banks—it’s solving the problem they haven’t been able to. For businesses that can’t afford to wait weeks for a loan—or can’t afford to be denied—the platform offers a smarter, faster path to funding.

Whether you're a growing business seeking working capital, or an owner navigating an unexpected expense, Bank Breezy delivers funding without the friction.

Champion Health, Inc.

A Smarter Approach to Employee Healthcare for Businesses of All Sizes

Rising healthcare costs continue to be one of the biggest challenges facing U.S. businesses today. Whether you're a startup, a mid-sized firm, or a large employer, providing quality health benefits without straining your budget is becoming increasingly difficult. Traditional insurance models often deliver diminishing value with rising premiums, limited employee engagement, and little focus on prevention or long-term outcomes.

Enter Champion Health, Inc., the creators of The Champ Plan™—a proactive, cost-effective health management solution that helps employers control costs, improve employee well-being, and enhance the overall benefits experience without disrupting existing health plans. In a complex and often expensive healthcare landscape, Champion Health has positioned itself as a leading innovator by simplifying access to meaningful, compliant health benefits for businesses of every size.

The Industry Challenge: Rising Costs, Declining Satisfaction

Healthcare spending in the U.S. has topped $4.5 trillion annually, and employer-sponsored health plans are absorbing a significant portion of that cost. According to the Kaiser Family Foundation, premiums for family coverage have risen more than 47% over the past decade—outpacing wage growth and inflation.

Businesses, particularly small and mid-sized employers, are left with difficult choices:

• Reduce coverage options
   
• Increase employee contributions
   
• Or drop group benefits altogether
   

At the same time, employees are looking for greater access, more flexibility, and affordable care options. Unfortunately, traditional plans are falling short on engagement, preventive services, and day-to-day wellness support.

Champion Health’s Solution: The Champ Plan™

Champion Health, Inc. has disrupted this dynamic by offering a Health Management Plan (HMP) that works in tandem with existing health coverage or as a stand-alone solution for businesses looking to extend affordable care.

The Champ Plan™ is structured under IRS Section 125 and designed to manage high-frequency, low-severity claims—such as routine visits, preventive care, mental health, and wellness initiatives. This strategy not only reduces claim load on primary insurance plans but also improves employee satisfaction and engagement.

• Cost-Effective Model: Employers can provide meaningful health benefits while potentially reducing payroll tax liabilities and lowering insurance renewal rates.
   
• Employee Take-Home Pay Increases: Employees often see an increase in net pay through pre-tax contributions, creating a dual win for both the employer and employee.
   
• Supports ACA Compliance: Offers 100% coverage for Minimum Essential Coverage (MEC) services, helping businesses meet regulatory requirements.
   
• Technology-Driven Engagement: Through the Champ Proactive app, employees gain access to telehealth, wellness tracking, appointment scheduling, reminders, and live support—all from their mobile device.
   
• Minimal Disruption: Implementation is seamless and designed to work alongside any fully insured, level-funded, or self-funded plan.
   

 Ease of Implementation with Full Payroll Integration

Champion Health understands that businesses don’t have the time or resources for complicated rollouts. That’s why The Champ Plan™ integrates directly with leading payroll providers such as ADP, Paychex, Paylocity, and Insperity.

This integration ensures:

• Quick setup
   
• Automated deductions
   
• Clean compliance
   
• Minimal administrative burden
   

No changes to existing health plans are required, making adoption smooth and risk-free for HR teams and business owners alike.

Why Businesses Should Consider Champion Health, Inc.

In an industry saturated with high-cost plans and confusing coverage options, Champion Health, Inc. provides clarity and control. The Champ Plan™ is ideal for:

• Small businesses looking to offer affordable coverage for every W-2 employee
   
• Mid-sized companies trying to manage insurance renewals and boost retention
   
• Large organizations seeking better health outcomes and cost containment strategies
   

With high participation rates and strong year-over-year client retention, Champion Health has built a reputation for delivering measurable value.

Champion Health, Inc. is changing the way businesses think about healthcare. It’s not just about treating illness—it’s about managing health, improving outcomes, and doing so in a financially responsible way.

For companies seeking a more strategic, cost-effective approach to employee benefits, The Champ Plan™ delivers innovation without complexity.