Small business accounting software UK SMEs run on.
Accounting software for small businesses UK teams use every day: invoices, bills, bank CSV and reports in the browser. Solo is £15/month ex VAT for two users. Business at £39 adds unlimited users, stock, projects and GoCardless — no per-seat fee.
From quote to reconciled books.
One ledger for sales, purchases and the bank. No native payroll, OCR inbox or approval engine.
Sell
Sales → Invoices or Estimates. Stripe and PayPal Pay Now on every plan.
Buy
Purchases → Bills or Expenses. Key supplier costs — no OCR capture.
Bank
Smart Bank Import from CSV, match, Reconcile. Bank rules on Business+.
Report
P&L, balance sheet, cash flow and ageing. Export for your accountant.
The core loop for a UK limited company or partnership.
Invoices
One-off and recurring in Sales. Credit notes and payments received in the same menu.
Bills
Supplier invoices in Purchases → Bills. Record Payments Made when you pay.
Expenses
Smaller supplier costs without a full bill. Recurring expenses for known overheads.
Bank CSV
Import your statement, categorise, match invoices and bills, reconcile. No live bank feed.
Stripe and PayPal
Pay Now on the invoice. Connect in Settings → Payment Gateways. Every plan.
Reports
P&L, balance sheet, cash flow and debtor ageing from the ledger.
When the team outgrows Solo.
Unlimited users with no per-seat fee. Stock, projects and bank rules wait until Business.
What is small business accounting software?
Small business accounting software runs the bookkeeping cycle for a UK SME or limited company: quote, invoice, record bills, import bank CSV, reconcile and report. The right accounting software for small businesses UK teams need depends on headcount and stock — but common requirements are multi-user access without per-seat fees, a clear upgrade path as you hire, and advisor login for your accountant.
SwiftBooks Pro is that ledger in the browser. Solo covers invoices, expenses and bank CSV for two users. Business adds unlimited users, stock, projects, GoCardless and multi-currency. VAT figures can sit in the books;
Pick by team size and stock, not by turnover band.
Solo · £15
Two users, one company, three banks. Invoices, expenses, bank CSV, Stripe, PayPal, reminders.
Business · £39
Unlimited users, no per-seat fee. Adds stock, projects, timesheets, GoCardless, bank rules, multi-currency.
Multi-Company · £69
Up to five companies. Business tools on each. Free migration for every company.
Practice
Unlimited companies. Quote only. Live chat on every plan.
Same books, different seat.
These pages sit beside this one — each targets a different job, not the same keyword.
Small business accounting software UK — FAQs
What is the best accounting software for small businesses in the UK?
Software that invoices, imports bank CSV, records bills and reports P&L in a browser at a published price. SwiftBooks Pro Solo is £15/month ex VAT after a 30-day trial. Stock, projects and unlimited users sit on Business+. See compare for Xero and QuickBooks.
Does SwiftBooks Pro support multiple users and teams?
Solo is two users. Business+ is unlimited users with no per-seat fee. Full and Limited roles in Users. There is no approval-workflow engine.
Does SwiftBooks Pro handle MTD for VAT?
No. VAT figures can sit in the ledger. See MTD context.
Can SwiftBooks Pro run payroll?
No native payroll. Run payroll elsewhere, then post the journals here.
How much does small business accounting software cost?
Solo £15, Business £39, Multi-Company £69 — all ex VAT. No per-seat fee on Business and above. Full pricing.
How does this compare to Xero or QuickBooks?
Same category: invoices, expenses, bank and reports. Stock and projects sit on Business here. Free migration from Xero and QuickBooks. See compare.
Can my accountant access my account?
Yes — invite them in Users on every plan. See team and accountant access.
Start on Solo. Move to Business when the team grows.
Invoices, bills and bank CSV for UK SMEs. Unlimited users on Business+ — no per-seat fee.