Finance

Qonto

EU-based business account designed for freelancers

Invoice Ninja

Track invoices, expenses, and payments in one place

Finom

Get a local IBAN for client payments without paying a monthly account fee

Found

Separate business finances and estimate taxes automatically

FreshBooks

Cloud accounting with invoicing, expenses and time tracking

Xero

Match bank transactions fast and let your whole team in, with no per-user fees

Stripe

Let clients pay your invoice by card in one click, in almost any currency

easybill

Online invoicing with built-in shop and payment integrations

Lexware

Manage invoices, taxes, and accounts in one German platform

Tide

Open a UK business account from your phone the same day, with no hard credit check

Wise

Get paid in USD, GBP or EUR like a local and convert at the real exchange rate

QuickBooks

Track invoices, expenses, and taxes in one place

BillingEngine

Track invoices and expenses without the accounting headache

Accountable

Handle German taxes in English — VAT, EÜR and income tax filed straight to ELSTER

Zoho

Run CRM, accounting, mail and projects under one login instead of a dozen apps

Lemon Squeezy

Merchant of record: 5% all-in, tax and payments included

Zervant

Free invoices and quotes for freelancers, up to 5 clients

Lili

Separate business finances and automate tax withholding

Invoicely

Create and send professional invoices with automatic reminders

Paddle

Payments and global tax in one fee — 5% per transaction

Polar

Payments and tax in one fee — from 3.80% per transaction

Wave

Free accounting and invoicing keeps your finances organized

Bluevine

Cash flow gaps between invoices? Draw from a credit line when you need it, repay, draw again.

Gumroad

Sell digital products — 10% per sale, tax handled for you

Zoho Books

Keep proper books and invoice clients in any currency, free while revenue stays under $50K

Holvi

Business account with invoicing and automatic bookkeeping

Norman

Hand your German bookkeeping and tax filings to an AI autopilot, in English

iwoca

Cover a stock order or a slow-paying client without waiting weeks on your bank

ERGO NEXT

Client wants proof of insurance today? ERGO NEXT gets you covered and certified online.

ottonova

Digital private health insurance with English-language expat plans

bunq

Set tax money aside automatically — sub-accounts with their own IBAN, all in the app

GetMyInvoices

Stop logging into portals every month — your invoices arrive and go to your bookkeeping

OnDeck

Need cash for inventory or payroll fast? Apply online and get funds as soon as the next day.

Insureon

Not sure which policy you need? Insureon compares quotes from several insurers in one form.

Simply Business

Freelancing without cover? Simply Business finds liability quotes that fit your work.

Thimble

Only need cover for one gig? Thimble insures you by the job, month or year in minutes.

Payhip

Digital storefront from $0 — card fees are charged on top

Stria

Checks extra requests against your scope and prices them

Clark

Bundle and optimize all your insurance policies in one app

Billdu

Create invoices, estimates and receipts on mobile and desktop

Full Scope

Track invoices and project costs in one dashboard

Heev

Time tracking, invoicing and expense management for freelancers

Lettuce

Automated quarterly tax estimates and filing for US freelancers

Lunafi

Automated bookkeeping with tax prep and financial overview

Moxie

Track invoices and expenses to manage cash flow easily

Pleo

Virtual and physical cards with automatic receipt tracking

Pliant

Corporate cards with cashback rewards and spending controls

Mellow

Pay global contractors instantly with automated compliance

Revolut Business

Multi-currency business account with free international payments

SumUp

Accept card payments anywhere, no monthly

Hiscox

Protect your freelance business from client claims instantly

Lendio

Fill in one application and compare loan offers instead of applying lender by lender

Sellfy

Your own store for downloads, subscriptions and print-on-demand

Sage Accounting

Get Making Tax Digital and self assessment sorted without a spreadsheet

Vivid Money

Get cashback on business card spend and park reserves in sub-accounts with their own IBAN

Payoneer

Get paid by clients abroad and marketplaces without opening a foreign bank account

billtano

Invoice only when work comes in and pay only for those days — nothing to cancel

Fundbox

Bridge the gap while invoices are still unpaid: draw cash only when you need it

Kleverbill

Dunning and receivables management for high invoice volume

N26 Business

Business Standard with no monthly fee – virtual Mastercard and 0.1% cashback

BillGrid

Invoices from tracked time and expenses, with reminders and retainers

Flatpay

Card payments for businesses with a counter — one flat rate

Quaderno

Watches tax thresholds and issues invoices for digital sales

ReceiptIQ AI

Reads every line item on a receipt, not just the total

Obra

Construction-first cost and income tracking – receipts via WhatsApp, email or photo

MRPeasy

Manufacturing ERP with production planning and stock — earns its keep from ~10 staff

Invoice Simple

Mobile-first invoicing app for US and UK freelancers, free plan to start

Unleashed Software

Inventory, orders and production for growing product businesses — from $399 a month

FetchDue

Chases late-paying clients — 10% of recoveries or $29/month

Mini Accountant

Invoicing and expenses, drivable from Claude or Cursor

Soseki

Clients, projects, proposals and invoices in one workspace

Billy

Native Mac invoicing app with e-invoice export and local-first data

1-800Accountant

US tax prep and bookkeeping with a dedicated accountant

Goodlance

Invoicing, time tracking, and project management in one platform

MOCO

Project management with quotes, invoicing and time tracking

paywise

Recover unpaid invoices—pay only when you collect