45 Best Small Business Services That’ll Transform How You Work

Ben Rashkovich

Ben Rashkovich

Content Strategy Manager at Fundera
Ben is a former content strategy manager at Fundera. He has a bachelor's degree in English literature and is currently enrolled in Yale Law School. Ben has also written for eBay's curatorial team.
Ben Rashkovich
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The most important commodity any small business owner has is time. You only have so many hours in the day to dedicate to your business, and you want to use them as efficiently as possible. However, as you already know, there are a lot of required tasks related to operating a small business that don’t necessarily move the needle—things like accounting, taxes, and payroll.

So what is an entrepreneur to do?

Well, if you’re interested in maximizing the time you spend growing and innovating, you need to invest in small business services. Small business services are third-party tools that can help you minimize the time you spend tending to some of the more logistical aspects of running your business.

So if you’re spending too many hours doing your own bookkeeping or learning how to code your own blog, then it might be time to look into some of these small business services.

And we’re here to help you get started.

Here are the top 45 small business services that all entrepreneurs should consider investing in.

small business services

Small Business Services: Accounting Software

Most small business owners aren’t accountants, but all small business owners need to be aware of their revenues, spending habits, cash flows, and the other financial aspects of their companies.

There’s a middle ground, though: you shouldn’t be getting lost in your books. You should be focusing on growing your business—using those financials to make smart choices. The right accounting software can help you understand your financial situation without sucking hours and hours of your time.

Here are some of the best small business services in the accounting arena.

1. QuickBooks Online

Intuit’s online accounting offering, QuickBooks is a favorite small business service among entrepreneurs looking to streamline their bookkeeping. Whether you’re a restaurant owner, an online store manager, a freelancer or consultant, or another kind of small business owner altogether, QuickBooks has something for you. It’s got the basics that anyone can use easily—but it also comes with plenty of advanced options and settings for the particularly curious.

If you’re convinced, QuickBooks Online comes in a few different plans, with the cheapest at $9.99 per month. And don’t forget to factor in the 150+ business apps that QuickBooks integrates with, each of which can make your life that much easier.

2. FreshBooks

FreshBooks is the big QuickBooks competitor, and many of the features are practically the same. Since everyone has their own preferences, you might want to try both out for a spin and see which you find more intuitive, but in terms of functionality you won’t go wrong with either of these small business services.

Here’s something of note, though: FreshBooks has an especially easy-to-use mobile app that business owners who balance books on the go might be swayed by. If you’re analyzing your budget away from a computer, FreshBooks might have the edge over its competition.

3. Wave Accounting

If you’re not bothered by ad banners, then consider signing up with Wave—a free accounting program for small business owners. Although there are also premium features and excellent customer service options available if you dish out some dough for an upgrade, Wave offers all the necessary basics for small business accounting.

Who ever said small business services had to cost you?

4. Zoho Books

Maybe “small business” is a bit ambitious for you—you’re looking for accounting software that fits your extra-small size.

Zoho Books could be exactly the option you want. Simple, straightforward, flexible, and mobile-friendly, it’s a great choice for your bookkeeping. And don’t let their $24/month price tag scare you away, because you’d actually be paying more with the above options to get the same set of features you receive with Zoho Books. From estimates and invoices to unlimited projects and users, Zoho Books gives you total control over your small business’s finances.

5. Xero

Known as the QuickBooks alternative, Xero is an easy and inexpensive small business service that can save you money without cutting out anything vital. With that said, one of QuickBooks’ biggest draws is its popularity… So if you work with an accountant or bookkeeper, it’s way more likely that they’re using QuickBooks than nearly anything else.

6. Sage Business Cloud Accounting

With a focus on easy accounting, Sage Business Cloud Accounting promises to do away with all those confusing charts and keep things simple (without sacrificing the complexity you need!). You can get just the mobile app for free, pay a low monthly cost for the basic program, or upgrade to $33 a month for the premium experience.

7. Outright

Outright—also known as GoDaddy Bookkeeping—helps entrepreneurs make tax season a breeze with automatic financial data important and organization, Schedule Cs, and invoicing. Get rid of the time and energy burden that tax season lays on you.   

8. Quicken

Also created by Intuit, Quicken serves as a home for your personal and business financials in one place. If you’re based in your home or your operation is really super extra small, then this is a sensible alternative to the bigger, more expensive apps above.

However, do note that it’s only available for Windows at the moment!

9. Bonsai

Bonsai accounting software is a tailor-made business accounting software for freelancers and contractors. With Bonsai, you can track an unlimited number of projects, send invoices with custom branding, access reports, and accept payment in multiple currencies. Bonsai also has time tracking and client management functions.

You can choose between two versions of this business accounting software: Bonsai Plus will costs $16 per month when you pay for it annually. Bonsai Premium costs $24 per month when you pay for it annually.

small business services

Small Business Services: Web Hosting

If you’re planning on putting your small business up on the internet—and you definitely should be—then you’re going to need a web host.

(If you don’t know, a web host is a company that provides you space to store and display your content, whether it’s a personal blog or an ecommerce store. You’ll want to pay special attention to web hosts with good customer service, unlimited bandwidth or disk space, and low downtime allowances.)

These small business services can’t go ignored—especially since an online presence, in this day and age, is an absolute must. Here are a few web hosting small business services that check all the right boxes for small business owners.

10. HostGator

Unlimited hosting, unlimited domains, unlimited bandwidth, free advertising credits, free web apps and tools, and high-quality customer support: that’s what you get for just under $6/month with HostGator’s Business plan. If you’re taking it slow, you can pay even less for just the basics, however. As far as web hosting small business services go, checking this one out is a must.

11. SiteGround

Although you won’t get any Google AdWords marketing credits with SiteGround, you will be working with a 99.9% uptime guarantee. This means your website should be as safe, secure, and operational as you want and need. And if your small business plan includes a WordPress blog, SiteGround might be especially enticing. Plus, they carry out daily server backups to make sure your content is well cared for.

12. Netfirms

With an intuitive control panel and generous guarantees, Netfirms also provides marketing credits, website templates, and a 24/7 customer service team to call home about. They’ll also help you search for, register, and secure a domain name if you haven’t yet.

13. InMotion Hosting

On top of the regular features, InMotion Hosting also promises benefits like unlimited company email addresses, easy website expansion plans, and more that might be very appealing to a small business owner.

However, you should note than even their most expensive plan doesn’t offer unlimited domains for a single account. If you’re only running one business, that shouldn’t pose a problem, but depending on your plans it might be worth considering.

14. GoDaddy

You’ve probably heard of GoDaddy: in the world of web hosting, it’s one of the more popular brands around. They offer a number of different pricing plans, but almost always have rotating specials you can (and should!) take advantage of when setting up your business’s website. They’re also especially friendly towards WordPress installations.

15. BlueHost

A GoDaddy competitor, BlueHost offers many of the same tiered payment options—with nearly identical terms. You can also purchase website migration services, 1-click website hosting, and cloud hosting solutions, depending on your needs.

16. A2 Hosting

A2 Hosting claims to be amongst the fastest hosting services on the market. It offers Windows and Linux server hosting plus a lot of storage space, unmetered data transfer, and a free SSL certificate and daily backups. Pricing starts at $7.99 per month, and A2 Hosting also charges for your domain.

17. iPage

IPage is one of the oldest web hosting services out there, having started way back in 2002. This hosting service allows you to host an unlimited number of email accounts and comes with a free SSL certificate. You also get your domain free for the first year with iPage. Prices start at $7.99 per month.

small business services

Small Business Services: Email Clients

Chances are pretty high that you use email every single day. For small business owners, email is all-important: it’s often the communication channel of choice for your customers, employees, suppliers, manufacturers, and everyone in between. 

You should make sure that the email client you’re using is up to snuff. While there are plenty of free options out there—many with robust feature lists—successful businesses pay for email for a reason. There are just some tools that business should always pay for—and email is one of them.

Here are a few business email services to consider.

18. Gmail for Business

Although the wildly popular Gmail app is free to use and full of useful tools, Gmail for Business offers much more flexibility and power for only $5 a month. You’ll get unlimited storage, 24/7 customer service, advanced controls and permissions, mobile device management and security, a strong uptime guarantee, and more—including, of course, your own company’s name in the email address.

And once you’ve grown big enough, you can also consider Vault, Google’s advanced business email client. It comes with user audits, legal freezes that prevents email and chat deletions, advanced archiving, and much more.

19. ZohoMail

If you’re looking to pay less and don’t think you need all the storage that Gmail offers, consider ZohoMail. Although their lower price point also comes with a few drawbacks, this small business service is largely indistinguishable from its big competitor. However, there is one other big advantage: ZohoMail also syncs with a ton of business apps, helping you manage everything from inventory to human resources.

20. Microsoft Outlook

From video conferencing to 1 terabyte of storage, Microsoft’s suite of small business services is pretty hefty, including Microsoft Outlook, a tried-and-true business email client. The management features available at a relatively low cost are enormously helpful for growing businesses, as well.

21. Rackspace

Another alternative you might not have heard of unless you’ve been investigating the email provider side of small business services—Rackspace offers an especially robust customer service package with 10 global data centers and over 3,000 cloud engineers. They also point out how more than half of the Fortune 100, alongside thousands of other global companies, have chosen Rackspace as their dedicated cloud-based email host.  

22. Greatmail

Greatmail is a budget plan that offers email hosting and custom domain addresses for as little as $1 per month. You can get up to 10GB of storage for each mailbox when you sign up, plus built-in spam protection and security features. Greatmail is as bare bones as it gets when it comes to email, but it can still work for some businesses.

small business services

Small Business Services: HR and Payroll Software

You might think that only big corporations need fancy things like software for human resources, but that would be a mistake. In fact, HR software is one of the more popular small business services out there for good reason.

Simply put, HR software helps you manage your work efficiently, avoid personnel problems that can hurt your business, and “centralize your workflow” (or, in English, stay organized). Small businesses in particular face a couple of challenges that could hurt them in the long run, from finding and retaining the best employees to facing potential compliance issues.

Here are some small business services that could help.

23. PeopleMatter

From recruiting to scheduling, PeopleMatter helps you manage your workforce well, especially if your small business operates in the service industry. You can access this app over the phone or on your mobile device, like over 300,000 other businesses do, for just $89 a month.

24. Cezanne

Designed with small companies looking to scale in mind, Cezanne is a cloud-based platform that charges according to what you need. Beyond the basics of health and safety compliance, training, disciplinary actions, and so on, you can choose among a set of “modules” they offer—like analytics and payroll solutions.

25. Namely

A startup for startups—and other small but growing businesses—Namely offers an especially user-friendly service to those looking to improve their human resources management. From payroll, benefits, and time tracking to its unique social media functionality, this small business service makes HR more familiar to your employees.

26. BambooHR

With an affordable price tag and an easy-to-use interface, BambooHR could be a great HR management tool if you’re looking for a wide selection of features without getting lost in an instruction manual or breaking the bank.

27. Jazz

Jazz is less of a catch-all HR solution and more of a recruiting tool for small businesses. Through Jazz you’ll be able to easily put up job postings, gather a list of acceptable applicants, get referrals, make background checks, set up interview appointments, and more. If you’re looking to grow, small business services like this can help.

28. Gusto

Gusto will help your business handle direct deposit, check payments, and tax filings. Gusto also integrates directly into many common business accounting software programs to help you get a hold on paperwork and organization. You can also manage onboarding including offers and e-signing, insurance, commuter benefits, and 401(k). Pricing starts at a  $12/user + $39 flat per month. Note that Gusto can only accommodate up to 100 users.

29. Zenefits

Zenefits Payroll Platform provides business owners and HR managers with a robust set of tools that let you handle your company’s benefits, payroll, and compliance needs all in one place. There all also add-ons for time tracking, and an HR advisory service that can take the place of an in-house HR representative. Pricing for Zenefits starts at $10 per employee per month.

30. Paychex

Paychex started as an payroll service and has grown to offer a full suite of HR tools. With Paychex you can get tax administration and compliance services, hiring and onboarding assistance, health insurance, retirement plans, and a whole host of other HR services. Pricing is quote-based.

Small Business Services: Legal Assistance

Did you know that 20 million civil cases are filed each year?

Sixty percent of those are contract disputes, while 11% are tort cases—a category that includes slip-and-falls, employment discrimination suits, and more. And unfortunately, many of these suits are brought against innocent small business owners without the time or resources to defend themselves against wrongful accusations.

Plus, all small business owners will need legal help sooner or later, whether it’s to help hammer out a partnership agreement or to write up a contract.

But lawyers are expensive.

Fortunately, there are plenty of small business services out there that can help you manage the legal side of your entrepreneurship.

31. Rocket Lawyer

If you’re looking for help creating legal documents, reviewing contracts, and signing forms online, then Rocket Lawyer is one of those must-have small business services. There are a few different free trials you can experiment with, but unlimited legal documents and answers to your law questions from real life lawyers comes at the low price of $39.95 per month.

32. LegalZoom

While it’s a bit cheaper at only $23.99 per month, LegalZoom charges extra for providing and filing certain legal documents. However, they balance the scales by giving you access to actual attorneys, who will analyze your documents and talk you through your legal concerns step by step.

33. Avvo

Ever just want to grab a lawyer and ask them a quick question without paying through the nose for their answer? Check out Avvo. They offer free online Q&As, as well as $39 fixed fee phone conversations with lawyers right when you need them—you just enter the topic, submit your request, and wait an average of 8 minutes to get your call.

34. Nolo

Nolo is a 40-year-old network of legal sites bundled together—much of it for free. With a comprehensive lawyer directory, over 50 sites with legal content, and thousands of eguides, templates, sample forms, and more, you’re sure to find what you need to run a successful small business on Nolo.

35. LawGuru

Want free legal advice? Look no further than LawGuru, another one of those legal-oriented small business services that provides answers to your questions from one of their 8,800 actual attorneys. The site is fairly straightforward, and you can get real answers to your problems right away.

However, as with all of these small business services giving you legal advice, it’s always important to keep in mind that you should consult with a lawyer before making any big final decisions. While getting affordable advice online can help you cut costs, the specifics of your business (that only a dedicated lawyer would know) could dramatically change your circumstances.

small business services

Small Business Services: Merchant Services

Merchant services might just sound like another way of saying small business services—after all, aren’t most small business owners merchants of some kind? But merchant services is actually the term used to define a very specific set of services related to the acceptance and processing of credit card payments. In addition, some merchant services providers offer additional products that can help your business stay organized and run more efficiently.

Let’s look at a few of the merchant services providers that do this particularly well:

36. Square

Square is one of the most well-known merchant services providers on the market. They offer in-person payment processing at a rate of 2.75% per transaction, and all customers receive a free mobile magstripe credit card reader with which they can accept payment. Square also sells a variety of point of sale (POS) products—which are needed to run transactions. Through Square you can get POS hardware like credit card readers and terminals. Square also sells point of sale software that allows businesses to manage their inventory, employees, and customer relationships.

37. Clover

Clover offers payment processing and POS hardware and software at rates starting as low as $14 per month with a 2.7% + $0.10 per transaction processing fee. This merchant services provider is best known for their variety of POS hardware products, including the handheld Clover Flex ($449) and countertop Clover Station ($1,149). You’ll also get a full range of software options with Clover, including the ability to accept all payment types and integrate with a variety of third-party tools.

38. Shopify

Shopify is widely thought of as an ecommerce platform, but it also offers payment processing and POS services when you sign up for a website. With Shopify’s merchant services tools, you’ll have a way to accept payments online (at a 2.9% + $0.30 processing rate) while also being able to manage inventory and run reports that will give you insight into your business’s performance. Pricing starts aT $29.99 per month—but keep in mind that you also receive a Shopify website.

39. TouchBistro

Certain merchant services providers design products specifically for food service businesses. Such is the case with TouchBistro, one of the larger restaurant merchant services providers on the market. TouchBistro offers a full range of POS hardware plus restaurant-specific features like menu and floor plan management. You can also bundle your software and hardware costs into one monthly fee with TouchBistro. Prices start at $105 per month.

40. Toast

Toast is another popular restaurant POS brand. Along with familiar features like menu and floor plan management, Toast comes with a system to manage deliveries, plus a gift card and loyalty progras. POS hardware bundles can be purchased for as little as $450, while payment processing rates are quote-based. Software subscriptions start at $79 per month.

41. Loyverse

Loyverse is unique in that it is completely free yet still has a decent set of merchant services features. With Loyverse you can get inventory, employee, and customer relationship management features. Furthermore, there are different softwares designed to accommodate retail and restaurant businesses. Keep in mind that you’ll still have to pay for payment processing and POS hardware.

Small Business Services: Everything Else!

While we’ve covered a lot, there are plenty of other small business services out there that every entrepreneur should use. Let’s take a look at a few.

42. WordPress

We talked about WordPress in the web hosting section because lots of hosts make it a point to integrate seamlessly with this blogging platform.

Why?

Because it’s powerful, popular, and incredibly useful! You might think that your particular small business wouldn’t benefit from a blog, but you may be surprised. Successful blogs are cheap to maintain, easy to update, and useful for gaining new customers and keeping old ones interested.

WordPress makes it simple to own and operate your own business blog for as little as $2.99 per month—though you might want to opt for the Business package if you’re interested in integrating with Google Analytics, customizing your designs and themes, and more.

43. HARO

I scratch your back, you scratch mine: That’s the principle behind HARO, or Help A Reporter Out. By connecting reporters, writers, editors, researchers, and so on with experts in their respective fields—like you, for example—HARO helps one side get the facts straight while the other side gets free exposure.

Whether you’re interested in making media connections or getting your business name out there without paying for a PR firm, don’t overlook this (free!) opportunity.

44. Dropbox

Sometimes small business owners can feel overwhelmed by how much stuff they have. Social media pictures, marketing plans, financial documents, contracts, invoices, designs for future product—your computer can get pretty cluttered.

If that sounds familiar, then try out a service like Dropbox. With Dropbox you can host files on the cloud, browse your folders on a PC or a mobile phone, and more—for free, if you’re storing 16 GB or less. Plus, Dropbox Business offers unlimited space, file recovery, administrative controls, and more.

45. Mailchimp

We covered business email, but Mailchimp is an email marketing tool.

Here’s the difference: email clients are small business services that give you the space to host emails and the tools to manage them. An email marketing service helps you use your email to get customers to engage with your business through promotions, newsletters, reminders, and so on.

Mailchimp is especially great for fresh entrepreneurs because they offer 12,000 free emails a month, so long as your email list is 2,000 subscribers or less. Their emails are easy to design and make on your own. Plus, you’ll get analytics tools and built-in signup forms for Facebook, Twitter, and WordPress.

And for just $10 a month, you can get additional features like time zone-based delivery, chat support, and more. If you’re reached over 2,000 subscribers, then an email marketing service will pay for itself—and starting off free isn’t too shabby, either.

The Bottom Line on Small Business Services

Whether you’re looking into small business services to free up your time or lower your costs, you’re doing the right thing.

No entrepreneur reaches success all on their own. Eventually, you’ll need to take a hard look at what you need to be doing and what you can outsource to a service instead. We hope this list makes that process a little simpler. 

Editorial Note: Fundera exists to help you make better business decisions. That’s why we make sure our editorial integrity isn’t influenced by our own business. The opinions, analyses, reviews, or recommendations in this article are those of our editorial team alone. They haven’t been reviewed, approved, or otherwise endorsed by any of the companies mentioned above. Learn more about our editorial process and how we make money here.
Ben Rashkovich

Ben Rashkovich

Content Strategy Manager at Fundera
Ben is a former content strategy manager at Fundera. He has a bachelor's degree in English literature and is currently enrolled in Yale Law School. Ben has also written for eBay's curatorial team.
Ben Rashkovich

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