Proper books for your own company — no accounting degree required.
SMB Accounting is internal bookkeeping software for small businesses. You record the business as it happens — invoices, bills, money in, money out — and the double-entry ledger is kept automatically behind the scenes.
Internal bookkeeping only. This software keeps your company’s own books. It is not a tax-filing service and not a replacement for your CPA — it gives your accountant clean, balanced records to work from.
Trial Balance — October 2026
| Account | Debit | Credit |
|---|---|---|
| Cash | 48,210.55 | |
| Accounts Receivable | 16,940.00 | |
| Accounts Payable | 9,385.20 | |
| Sales Income | 55,765.35 | |
| Totals | 65,150.55 | 65,150.55 |
✓ Debits equal credits — ledger in balance
Illustrative screen with sample figures.
Four habits. That’s the whole routine.
Day-to-day bookkeeping is four things. SMB Accounting keeps journals, debits, and credits out of your way — you record business the way it happens, and balanced books build themselves.
Invoices — what you sold
Create and post an invoice; the sale and what the customer owes you are recorded automatically.
Bills — what you owe
Enter vendor bills as they arrive; your payables update themselves.
Receipts — money in
Record customer payments as they come in, against one invoice or several at once.
Pay bills — money out
Pay one bill or several at once; anything left over stays as an unapplied credit for next time.
Plain-language hints, not accounting-speak
Built-in hint boxes explain what you’re looking at, what a button does, and what happens when you post — in everyday words, written for the person running the business.
Built around the four areas your money actually moves through
Most bookkeeping tools stop at customers and vendors. SMB Accounting is organised around four areas — Customers, Vendors & Suppliers, Investments, and Venture Capital & Equity Holdings — because that is where a small company’s money lives.
Customers
Invoices, receipts, and who owes you — with multi-invoice payments and clean PDFs.
See detail →Vendors & suppliers
Bills and payables, paid singly or in batches, with undeposited-to-deposited tracking.
See detail →Investments
Holdings tracked in their own module, classified by type and kept apart from trading.
See detail →Venture capital & equity holdings
Holders typed as Venture or Investment, with contributions, transfers, and exits on record.
See detail →Why owners choose it
The point is not more features. The point is books you can keep yourself — and prove later.
Made for non-accountants
Record four things. The ledger, balances, and reports build themselves behind the scenes.
Hints that teach as you go
Plain-language hint boxes explain each screen and what posting will do, before you commit.
Your computer, your data
A desktop app that runs locally. No cloud subscription, no monthly fee, no data held hostage.
Tamper-evident audit trail
Every log entry is hash-chained to the one before it, and the whole chain can be re-verified.
Posted means posted
Posted transactions can’t be quietly edited. Mistakes are voided, so history is never rewritten.
English & Traditional Chinese
The full interface ships in two language versions, so your team works in the language they’re most precise in.
See whether it fits your books
Start with the feature tour, check the reports, then look at the honest scope page before you decide.
Features, organised by the work you actually do
SMB Accounting is not a flat feature list. It is four bookkeeping areas that share one ledger — Customers, Vendors & Suppliers, Investments, and Venture Capital & Equity Holdings — each with its own complete records.
Customers
Everything that brings money in: what you sold, who owes you, and what has already been paid. Customer terms are set once and flow onto every document automatically.
- Multi-line invoices with per-line discounts and shipping.
- Post to lock, void to reverse — never quietly rewrite a posted sale.
- PDF invoices carrying your company logo and profile.
- Invoicing that posts itself into the ledger
Create an invoice, post it, and the sale, tax amount, and receivable are recorded in one step. Print or export a tidy PDF for the customer.
- Receipts against one invoice — or many
Record payments by check, cash, card, ACH, or wire. Settle several invoices with a single payment; any remainder stays as an unapplied credit for next time.
- Customer records that do the remembering
Contact details, payment terms, credit limits, and tax IDs live on the customer record, so invoices inherit the right terms without re-typing.
Vendors & suppliers
Everything that sends money out: the bills that arrive, what you owe, and paying on time — with a clear path from bill to payment to deposit.
- Line-by-line bills posted to accounts payable.
- Batch payments across multiple bills in one go.
- Undeposited → deposited tracking for cash clarity.
- Bills & payables, entered as they arrive
Enter vendor bills line by line and post them to AP. If a bill is wrong, void it cleanly — the reversal stays visible instead of disappearing.
- Pay one bill or several at once
Choose the bills to settle, record the payment, and keep any leftover as an unapplied credit. Follow funds from undeposited through to deposited.
- Vendor records, applied automatically
Payment terms, credit limits, contact details, and tax IDs are stored per vendor and applied to every bill, so due dates and terms stay consistent.
Investments
The stakes your business holds in other ventures, tracked in a dedicated module — away from day-to-day trading, but still feeding the same ledger and reports.
- A module of its own beside Customers and Vendors.
- Classified by type — minority stakes, partnerships, and similar positions.
- Investment Schedule generated from the same records.
- Investment Items, not a side spreadsheet
Holdings sit in the main navigation as Investment Items, with their own records and history — not buried inside a trading account or an external file.
- Typed and separated from trading
Every holding is recorded by investment type, so investment activity never blurs into ordinary sales and purchases when you review the books.
Equity holders
- Meridian VenturesVenture
- Brightline CapitalInvestment
Equity events
- Contribution recorded
- Partial transfer to a new holder
- Exit — position closed
Illustrative example.
Venture capital & equity holdings
Who holds what in each venture — and how those stakes change as holders contribute, transfer, and exit. This is the part most small-business bookkeeping tools simply do not cover.
- Holders typed clearly as Venture or Investment.
- Equity events on record as they happen.
- One roll-up into the Investment Schedule.
- Every holder, typed and named
Each equity holder on a holding is recorded as Venture or Investment, so whose money is whose is never in doubt when you review a position.
- Contributions, transfers, and exits — on record
Equity events are recorded when they happen, building a dated history of how ownership changed instead of a current snapshot with no past.
- The full picture, in one schedule
Holders, stakes, and events roll up into the Investment Schedule alongside the holdings themselves — drawn from the same ledger as every other report.
The foundation under all four
Whichever area you are working in, the same engine and safeguards are underneath:
Double-entry, done for you
You never write a journal entry. Every invoice, bill, and payment becomes balanced journal entries automatically, with debit/credit validation on every posting. Five account types — asset, liability, equity, income, expense — sit on a protected system chart of accounts you can extend but never corrupt.
Search everything
One search box across customers, vendors, invoices, bills, and payments. Find the record you need in seconds, not folders.
Tamper-evident audit log
Every entry in the log is chained to the one before it with a cryptographic hash, and the whole chain can be re-verified at any time. If a record were altered, the chain would break — and you’d know.
Backup & restore
Take a manual backup whenever you like, or schedule automatic backups to run in the background. Restoring a backup takes a few clicks.
Bilingual interface
The full interface ships in two language versions — English and Traditional Chinese — so your team works in the language they’re most precise in.
Company profile & documents
Set your company name, address, and contact details once, and they appear on printed invoices and statements. Upload your company logo for documents, and choose your default currency and fiscal year settings.
Sign-in & user access
Users sign in with a username and password. If someone forgets theirs, an administrator can reset it.
Posted means posted
Once a transaction is posted, it can’t be quietly edited afterwards. Made a mistake? Void it — the reversal stays on the record, so an error never silently rewrites your history.
Seven reports. One ledger. No conflicting numbers.
Every report is generated live from the same double-entry ledger, so it always reflects your latest posted transactions — and the Profit & Loss, Balance Sheet, and Trial Balance never tell three different stories.
Trial Balance
Every account with its debit and credit totals — the first check that the ledger balances.
Use it at month-end to confirm debits equal credits before you close.
Profit & Loss
Income against expenses for any period, so you can see how the business actually performed.
Use it to review a month, a quarter, or a fiscal year at a glance.
Balance Sheet
Assets, liabilities, and equity at a point in time — what the business owns and owes.
Use it when a lender, partner, or your CPA asks where the company stands.
Investment Schedule
A roll-up of all investment activity — holdings, equity holders, and equity events — summarized in one report.
Use it to review every holding and ownership change without opening each item.
AR Aging
Open customer balances grouped by how long they’ve been outstanding, so follow-ups happen on time.
Use it weekly to decide who to remind, and how firmly.
AP Aging
What you owe vendors, aged the same way — no bill quietly slips past its due date.
Use it to plan payments and protect supplier relationships.
Customer & Vendor Statements
A clear per-customer or per-vendor statement of invoices, payments, and balance — printable and exportable to PDF.
Send it with a reminder, or hand it to a vendor to reconcile both sides.
Always live, never stale
Reports are not exported snapshots. They are drawn from posted transactions at the moment you open them, so a payment recorded this morning is already in this afternoon’s numbers.
Why tying reports to one ledger matters
When reports come from separate spreadsheets, they drift. In SMB Accounting, an invoice, a bill, a contribution, and an exit all land in the same ledger first — reports only read from there. That is why the totals cross-check, and why the Investment Schedule agrees with the Balance Sheet instead of living in its own file.
For internal use and hand-off. These reports are built for running the company day to day and for handing clean month-end records to your accountant or tax preparer. They do not file taxes for you.
Built for owners, not accountants — without cutting corners
SMB Accounting keeps proper double-entry books, but you never have to speak accounting to use it. These are the design choices that make that possible.
Record 4 things — the ledger stays behind the scenes
Invoices, bills, receipts, and payments. That is the whole vocabulary you need. Behind each one, the software writes balanced journal entries, validates debits and credits, and updates every balance automatically.
Plain-language hint boxes on every task
Not sure what a field means or what posting will do? Hint boxes explain it in everyday words — what you’re looking at, what happens next, and what to check — written for the person running the business.
Desktop app, local data, no subscription
SMB Accounting runs entirely on your own computer, with your data stored locally. There is no cloud subscription and no monthly fee to keep accessing your own books.
Tamper-evident audit trail
Each audit-log entry carries a cryptographic hash of its contents plus the hash of the entry before it. Re-verify the chain at any time — if a past record were altered, the chain would break at that point.
Posted means posted
Once a transaction is posted, it cannot be quietly edited. Made a mistake? Void it: the reversal stays on the record, so errors are corrected in the open instead of rewriting history.
Bilingual by design
The full interface ships in English and Traditional Chinese versions. Your team records the books in the language they are most precise in — the ledger underneath is identical either way.
An audit trail that can prove itself
Most bookkeeping software keeps a history. SMB Accounting keeps a history that can be checked. Each entry in the audit log carries a cryptographic hash of its contents plus the hash of the entry before it, forming a chain. Run a verification and the software recomputes every hash in order — if any past record had been edited or reordered, the chain would fail at exactly that point.
- Chained by hash — every entry links to the previous one, end to end.
- Verifiable on demand — re-check the entire chain whenever you want, in one pass.
- One chain, whole history — verification walks the log from the first entry to the latest.
Change any earlier entry and every hash after it stops matching. That’s what makes the log tamper-evident rather than just a list.
Corrections stay honest, by design
Immutability sounds strict until the first mistake. The void-and-repost flow keeps the original, the reversal, and the correction side by side — exactly what you want if anyone ever asks.
What it’s for — and what it’s not
SMB Accounting is built for one job: a company’s own internal bookkeeping. It is not a tax-filing service and not a replacement for your accountant. Knowing the boundary is the point — here is exactly where it sits.
Internal bookkeeping only. Use SMB Accounting to keep your company’s day-to-day books and produce clean records. Filing taxes, preparing statutory forms, and professional tax advice remain with your CPA or tax preparer.
What it’s for
- Day-to-day internal bookkeeping — the invoices, bills, and payments your business runs on.
- Knowing where you stand — who owes you, what you owe, and how the month actually went.
- Clean month-end reports you can hand straight to your accountant or tax preparer.
- A provable history — every entry recorded, chained, and verifiable after the fact.
- Tracking investments and equity holders alongside trading, in the same set of books.
What it’s not
- No sales-tax filing — invoice lines can record tax amounts, but it does not prepare or file sales-tax returns.
- No bank reconciliation — it keeps your books; it does not match them against a bank feed.
- No 1099 reporting and no payroll — contractor forms and pay runs live elsewhere.
- Not a CPA replacement — it keeps the clean, balanced books your accountant will thank you for.
- Not a cloud service — it is a desktop application; your data lives on your computer, under your control.
How to use it with your accountant
Keep the daily books in SMB Accounting. At month-end or year-end, run the Trial Balance, Profit & Loss, and Balance Sheet, and hand them — plus statements and the Investment Schedule where relevant — to your accountant or tax preparer. They get balanced, verifiable records instead of a shoebox, and you keep one system for the work you do every week.
A good fit if…
You run a small company, keep your own books, hold stakes in other ventures, and want records you can prove — without hiring accounting staff or paying a monthly cloud fee to access your own history.
Talk to us about your books
Tell us a little about your business and we’ll walk you through how SMB Accounting handles your invoicing, bills, investments, and month-end — in English or Traditional Chinese, whichever your team prefers.
What to expect
A short walkthrough focused on your actual bookkeeping: customers, vendors, any investment or equity holdings, and the reports you need at month-end. No pricing discussion unless you ask — bring your scope questions instead.
Language
The product ships in English and Traditional Chinese versions. Tell us your preferred product language in the form and we’ll match the walkthrough to it.
Before you write
If you’re unsure whether the software fits, the Scope page states plainly what it does and does not do — including that it is internal bookkeeping only, not tax filing.