Debra R. Napier, MBA

Managing Partner

CPA Candidate

Licensed Real Estate Broker



Florida Institute of Certified Public Accountants (FICPA)

American Institute of Certified Public Accountants (AICPA)

Institute of Real Estate Management (IREM)

International Association of Business Brokers (IBBA)

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Cloud Based Accounting for Small Business

Our Value Proposition
Small and mid-size businesses retain us for back office support to automate processes and build audit support. Cloud accounting in a fully-integrated ecosystem frees you from tasks that fall outside of your core competencies. Studies show that outsourcing to professionals is proven to cost substantially less than it would to hire and retain the same talent in-house.* 
Timely management reports and advisory services help eliminate cost overruns, accounting irregularities, and supply chain pressures. We explain the numbers that position you to transform your business for the better.
3 value-based plans mean no surprises. Lower overhead improves performance and helps your company evolve into a more organized, profitable, and competitive operation. Paperless collaborative accounting and delivery systems is our guarantee that you'll spend less time crunching numbers and more time meeting customer demands that generate profits for your business.
Outsourcing tasks that bog you down is a proven strategy to create long-term value for your business, your property, and for your employees. Let's talk.
*Click to view a summary of the 2018 Robert Half Salary Guide for Accounting & Finance Professionals
Schedule a free 30 minute consultation
It's time to run your business more efficiently and stop it from running you.

Mission Statement:

As a next-generation accounting firm we aim to improve operational performance for privately-held businesses in the construction sub-contracting industry, and owners/investors/developers, and managers of income-producing commercial real estate across the USA. We maintain a culture of integrity that places the interests of our clients above our own.  We understand that operational efficiency is critical for clients that we serve in order for them to survive for years to come.  To that end, we deploy state of the art cloud technology, bundled accounting services, and access to capital to provide our clients with a unique competitive advantage. 

Company Background

Our parent company TAMCO Capital LLC was formed in 2004 as a mortgage brokerage serving residential and commercial real estate borrowers in Central Florida. We were nimble enough to survive the 2007-2008 financial collapse. Management changed strategy and refocused on commercial real estate lending as our core competency. Asset-based lending was added in 2015 when we reorganized into TAMCO Capital Commercial Finance LLC . Since our founding in 2005, our firm has secured commitments in excess of $220 million for our commercial borrowers and investors.

Insight into the operational deficiencies of our borrowers presented an opportunity to add value. A cloud-based accounting platform was launched in early 2016 when TAMCO Capital Accounting & Finance was born.

Management Background and Philosophy

Education & Personal

As leader of this organization my goal is to seek out and implement new ways to support entrepreneurs. Our philosophy is to deliver competence in our fields of expertise, objectivity in how we deliver services; integrity in our dealings with clients and customers; confidentiality in how we handle client matters; and discipline for team members who fail to discharge these duties in the manner expected. 
My mortgage banking career spans over 20 years; including work as a bank executive for a community bank in Durham, NC.  I knew even then that the 9-5 routine was not for me. My husband and I cashed in our retirement and relocated to Central FL in 2002.  When times got hard, I leveraged my skills as a credit analyst and accepted contract work from larger institutions like Suntrust Bank, Wells Fargo Bank, Bank of America, and as a contract Forensic Underwriter for the Federal Housing Finance Agency.  My passion to close the next deal lead to a real estate broker's license and to start TAMCO Commercial Group LLC.  
As an accountant, our firm's professional alliances in commercial real estate lending and development is a competitive advantage. We understand how construction sub contractors operate as well as the cash flow challenges that they often face. A strong background in income-producing commercial real estate is also a good fit for property accounting. Familiarity drives synergy. Synergy fosters teamwork and exceptional conveniences for the clients within our niche. 
In 2011 I earned my BSBA from Nova Southeastern University's H. Wayne Huizenga School of Business & Entrepreneurship; with a concentration in finance. In 2013 I earned an MBA in accounting from Florida Institute of Technology. In order to prepare to sit for the Florida CPA exam, I completed advanced accounting courses from the Keller Graduate School of Management in 2016. I'm also active in professional organizations that adhere to strict codes of ethics.  My husband and I have enjoyed 40 years of marriage and are big fans of German Shepards. Hobbies include gardening, jazz, dance, biking, reading, and beach bumming. I volunteer for the Adult Literacy League and other community groups in my spare time.

Disclaimer: TAMCO Capital Accounting & Finance provides cloud-based accounting, advisory, compliance, and tax planning services to nonpublic business entities taxed as partnerships. Engagements are available on a retainer basis. Unaudited financial statements are prepared from accounting data provided by the client. We make no assurances, representations or warranties to external users regarding the reliability of data presented in unaudited financial statements; nor do we issue an opinion about the integrity of information provided by management.

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