Meet Crystal

Owner & founder of Ledgewater Consulting

Owner of Ledgewater Consulting

A Journey Home

As with many young dreamers from small towns, I wanted to explore the world—a journey that took me from “Hotlanta” overseas to Kyiv, Ukraine, to Charleston’s cobblestone charm and finally returning home.

That restless journey taught me something invaluable: there is dignity in honest work. And I fell into the complex world of payment processing and payroll—where business owners were victim to predatory practices: oversold on unnecessary POS systems, trapped in leases, and were gradually worn down by escalating fees and commission-driven agents.

I have a deep respect for entrepreneurs and small business owners who pour their hearts into their ventures, working endless hours, and deserving advocates who understand their struggles.

I’ve built relationships rooted in genuine care for each business owner’s success with a simple mission: to restore integrity to an industry that too often lacks it. I answer every call and respond to every email because trust, once earned, must be carefully tended.

I approach businesses not as a vendor, but as an educator and ally. And when my business day ends, you might find me crafting my latest novel or mentoring fellow writers, playing tennis or humbling myself on the golf course.

From small-town roots to global adventures and back home again, every chapter of my life and every experience has prepared me to serve those who strive to build something of their own.

Crystal Cole

Wife, Mother, Friend

Maine Women’s Business List

Discover and support Maine’s thriving community of woman-owned businesses. Explore the exceptional female entrepreneurs driving the state’s economic growth.

SCORE Seacoast

The Registry lists firms and individuals across southern New Hampshire that provide free initial consultations to assist small businesses.

Why Choose Ledgewater Consulting?

Z

No contracts or termination fees!

Z

No junk fees, no BS, and no surprises!

Z

Full transparency in your statements and invoices

Z

Clients can call or text us… and we always respond

What Our Customers are Saying

★★★★★

"Crystal is in my Top 10 Maine business people you NEED to know. She cares and she delivers first in class service to her clients."

- Sean M.

Small business owner

★★★★★

"Crystal is dedicated to helping her clients find the right solutions for payroll processing based on their unique business needs. She takes the time to really get to know and provide personalized support to her clients. Highly recommend! "

-Amy S.

Arrange by Amy

★★★★★

"Crystal Cole has been one of the best business reps I've ever worked with. She's excellent with installation an setup, great with answering questions, and awesome with taking care of any issues that come up. Can't recommend her enough!"

- Will

Kennebunk Business Owner