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14 Best Finance Apps for Small Business Owners

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As a small business owner, you wear many hats, which means you probably appreciate technology that makes running your business a little easier. With the rise of smartphones has come the rise of app stores and software that lets you manage your company right from your phone. Here are some of the best finance apps in categories that can help save you some time while operating your small business.

Accounting apps


Apple rating: 4.7 stars
Google rating: 4.3 stars
$5 to $30 a month

If you already use QuickBooks online for your business accounting, this choice might be a no-brainer for you. Almost anything you can do through a web browser on QuickBooks Online you can do through its app. Many of the basic business functions—from tracking expenses to receiving payments—can happen right from your phone or tablet.

  • Access your custom QuickBooks Online forms on your app.
  • Get customer information by emailing estimates through the app as well as converting estimates to invoices.
  • Access customer information and sales receipts on the go.

Zoho Books

Apple rating: 4.7 stars
Google rating: 4.5 stars
$9 to $29 a month

Zoho touts its easy setup and use as a bonus for busy business owners. All bank and credit card information can be inputted into the app to make bank reconciliation both easy and accurate. Zoho also promises to be “scalable” meaning if your small business doesn’t plan on staying small, Zoho has features that will allow you to work internationally as well as help you automate portions of your accounting.

  • Build customizable reports to fit your business needs.
  • Offers integration with popular software including the Google Suite and Stripe.


Apple rating: 4.8 stars
Google rating: 4.1 stars
Free app with FreshBooks cloud accounting services, $15-$50 a month

FreshBooks mobile app is straightforward and focuses on creating and sending invoices, tracking your business expenses through receipt capturing, and communicating with clients about payment.

  • Get up-to-date client invoices through FreshBooks notifications systems.
  • FreshBooks lets you take a picture of a receipt and it captures it as an expense.
  • Send timely client invoices through the app right after the you’ve finished the job.

Point of Sale (POS) apps

QuickBooks GoPayment

Apple rating: 4.1 stars
Google rating: 4 stars
2.4% plus 25 cents for each swipe, tap or dip, 3.4% plus 25 cents for each keyed-in transaction

If you’re looking for a POS software and already using other QuickBooks products, QuickBooks GoPayment might be a no-brainer because of its ability to tie into other services. Much like Square, it quite literally turns your phone into a credit card reader and allows you to accept payment on the spot. There are no upfront costs to the app; instead, you are charged per transaction. If you are using QuickBooks for accounting, your books are automatically updated with invoices.

  • Send invoices and get notifications of payment.
  • Set up recurring billing.

PayPal Here

Apple rating: 3.7 stars
Google rating: 4.3 stars
2.7% per transaction

PayPal Here allows you to connect a card reader to your mobile device to accept credit card payments. The service accepts most major credit cards, including Visa, Discover, Mastercard and American Express. The app can also help with calculating taxes, adding a tip and applying discounts. There are no upfront fees with PayPal Here.

  • You can track sales through the app.
  • PayPal Here is pay-as-you-go, so there are no long-term contracts.
  • You must purchase a card reader.


Apple rating: 4.5 stars
Google rating: 3.8 stars
2.2% of each transaction

To start selling through the Shopify app, you just need a smartphone or tablet and a card reader. Shopify accepts most major credit cards, including Visa, MasterCard, Discover, American Express, Apple Pay and Android Pay payments.

  • Issues refunds on the spot.
  • Offers sales reports and analytics.
  • The card reader is free.

Looking for business funding? Learn more about small business loans here

Inventory apps


Apple rating: 4.8 stars
Google rating: 4.2 stars
$25 a month

Sortly helps a small business stay on top of its inventory, complete with alerts and reminders. You can also upload inventory information in bulk to the app with CSV files. Plans start at $25 a month.

  • Allows customers to access your inventory information.
  • Use your existing barcode or QR system with the app.
  • Easy to download information into spreadsheets.

Small business apps: Management (may include payroll)


Apple rating: 4.7 stars
Google rating: 4.5 stars
Free; $9.99 per month; $20.83 per month

Trello is a project management tool that integrates with programs like Google Docs, Slack, MailChimp and Salesforce, making it a powerful tool for business. The more expensive versions of Trello offer additional features like the ability to attach larger files and add more “power-ups,” which are the number of programs that you can integrate with the app.

  • Trello can be used for something more basic like planning a family vacation to managing a major company project. Google and National Geographic are among Trello’s clients.
  • The app is highly visual and easy to read and understand.


Apple rating: 4.5 stars
Google rating: 4.3 stars
Free, $9.80 per month, $24.80 per month, $34.60 per month

The power of Wrike is how it works with programs your small business might already be using. That makes it a one-stop app to stay on top of everything going on in your company. Wrike can connect to everything from QuickBooks for accounting to Gmail or Outlook for email services.

  • Wrike has a built-in document editor for small business owners who might not be at a desk too often.
  • Real-time collaboration with other members of your team.
  • An offline component allows you to input data and information or work on it even if your internet connection isn’t stable.

Personal finance apps


Apple rating: 4.8 stars
Google rating: 4.3 stars

Mint is all about budgeting and staying on top of bills. You can set up alerts about upcoming bills as well as see your outstanding bills and all of the money in your accounts in one place. The free app is produced by the makers of TurboTax and QuickBooks. If you are looking for something a bit more advanced, Mint can also track your investments and compare them against benchmarks.

  • Creates personalized budgets as well as gives you data on how you are spending your money.
  • Checks your free credit score for you.


Apple rating: 4.7 stars
Google rating: 4.6 stars
Free, $14.99 per month, $24.99 per year

Mobills allows you to “know where your money goes” by tracking your expenses. There is a free version as well as a Pro version. The Pro version offers features like alerts by email and the ability to export your data and budget projections.

  • Mobills will remind you when to pay your bills.
  • You can create budgets based on your personal goals.
  • All your accounts credit cards, expenses and incomes can be seen in the app.



Apple rating: 4.8 stars
Google rating: 4.7 stars

This free app allows you to get a good snapshot of your spending habits to adjust your budget. The app contains a simple and easy to understand interface.

  • Budgets can be set monthly or weekly.
  • There is a pro version that comes with expanded features including an in-app calculator and the ability to export budgets to Excel files.

Industry-specific apps


Apple rating: 4.7 stars

Google rating: 4.3 stars

$39 a month, $59 a month, $199 annually
PlanGrid is a management app for the construction industry that connects the office to the job site. The app allows you to store all relevant documentation needed for the job as well as helps you with team communication.

    • Upload photo and video to show progress at the site.
    • Changes made to plan documents are instantly sent to all team members.
    • Daily paperwork can be filled out from a phone in the field.


Apple rating: 3.5 stars
Google rating: 3.7 stars
Plans start at $195 a month
The Orderly App is aimed at helping restaurants with tasks like ordering and inventory. It also offers an online invoice management system. The app offers add-on features like bar management.

  • Gives recommendations for cost of operation savings.
  • Scan or snap your invoices into Orderly.
  • Offers alerts for food over-ordering and waste.

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