---
title: "1099 Preparation for NJ Small Businesses"
description: "We collect W-9s, total what you paid each contractor from your books, and prepare your 1099-NEC forms for you to review, ahead of the January deadline."
url: "https://mcc-solutionsnj.com/bookkeeping/1099-preparation"
---

Year-end contractor reporting

# 1099 preparation from your books

1099s are simple when the books are clean and a headache when they are not. We pull the totals from your books, check them and prepare the forms for your review.

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🌙 The office is closed. Your books can still move forward.

Run the free books check tonight, or send the request; we pick it up when we open in the morning.

 [Take the free books check](/bookkeeping/health-check)

## Who this is for

Businesses that paid contractors, freelancers or other non-employees during the year and want the totals right. It fits owners who paid people by check, bank transfer or cash and are unsure who needs a form.

## What we do

We collect a W-9 from each contractor if you do not have one, total what you paid each person from your books, and flag who may need a form. Payments made by credit card or through a payment network are generally reported by the processor on a different form, not by you, so we separate those from the rest. We then prepare the 1099-NEC forms for your review. Filing with the IRS and sending copies to contractors goes through your accounting software or a filing service, and we set that up with you.

The deadline for 1099-NEC forms is generally January 31, or the next business day when that falls on a weekend. The amount that triggers a form has changed in recent law, so we confirm the figure for your tax year each time instead of assuming it.

## What we need from you

Your books or bank and card statements for the year, and each contractor's name, address and W-9 details. If your books are behind, we recommend catch-up first, because the totals are only as good as the records.

## How it is priced

A fixed price quoted in writing before we start, based on how many contractors you paid. It can be added to monthly bookkeeping.

## What we do not do

We do not give tax advice or decide whether someone is a contractor or an employee. That is a legal question, and New Jersey applies its own test, so ask a professional if you are unsure. We do not file income tax returns. If you run payroll through a provider, the provider usually issues W-2s, and we can check the payroll totals against your books.

## Common questions

**Who needs a 1099?**

Generally, a business that pays an independent contractor above the current reporting amount for services in a year. There are exceptions, so we check each payee.

**What if a contractor will not give me a W-9?**

Ask in writing and keep the request. We help you document it, and a professional can tell you what the rules require.

**Do you e-file the forms?**

We prepare them for your review. Filing and delivery go through your software or a filing service, and we set that up with you.

**Can you do last year's forms if I missed the deadline?**

We can prepare them. Penalties can apply for late forms, so ask a tax professional about your situation.

[Get a quote](/bookkeeping/#interest)

Related

[### 1099-NEC forms and payee copies, priced per form Open →](/bookkeeping/1099-nec-filing-service)[### Do I need to send a 1099? Open →](/bookkeeping/do-i-need-to-send-a-1099)[### 1099 contractor payment tracker Open →](/bookkeeping/1099-contractor-payment-tracker)[### Guide: preparing 1099-NEC from your books Open →](/bookkeeping/guides/form-1099-nec-preparation-from-your-books)[### Collecting W-9s Open →](/bookkeeping/guides/w-9-forms-collecting-and-storing-contractor-info)[### The NJ independent contractor test Open →](/bookkeeping/guides/nj-independent-contractor-rule-abc-test-2026)

## Want a written scope and price?

[Get a quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)