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For small companies,, and especially startups, financial management can be complex and time-consuming. However, the cash flow plan, the annual summary or the break-even point are all essential decision aids to protect yourself from financial risks. To enable you to achieve your objectives and acquire finances that are as healthy as they are efficient, it is therefore essential to acquire an adapted financial management tool. It will support your growth efforts and make life easier for your team by providing an excellent day-to-day decision support tool.

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About Finance

How do startups manage their finances?

Running a startup is full of obstacles: a product or service that is struggling to find its audience, distribution problems, production delays, etc. In addition to all these difficulties, there is a final pitfall: the financial management of the company. Having an excellent idea for a product does not mean that you will be able to manage the startup’s accounting perfectly to guarantee real financial performance. However, financial performance is essential to achieve profitability and success.

While it is important to have a good accountant or even a CFO (Chief Financial Officer), the first step is to acquire quality financial management solutions to monitor accounting operations.

From the business plan to the payment of invoices and the balance sheet, a good organization must allow you to:

- Draw up a cash flow plan

- Automate the payment of invoices

- Ensure that you have a reserve fund

- Identify financing needs

To achieve this, you need a financial management tool. To find the most suitable software, you need to identify your needs precisely and then assess the suitability of the solutions on the market.

What are the best tools to manage your finances as a small business?

To ensure that your small business or startup is in excellent financial health, it is best to opt for one of the proven financial management systems. For this reason, we present the best SaaS solutions in the industry.


To begin with, we can only recommend the excellent accounting and financial management software Quickbooks. It’s easy to use and ideal for small business, but it’s also perfectly suited to the needs of growing companies. With just a few clicks, you can create invoices that comply with accounting standards, monitor their payments, and follow up on unpaid invoices. In addition, the connection with your bank is ideal for monitoring your company’s cash flow and financial situation at any time. 


Startups have specific needs: fast decision making and teamwork. Xero meets this demand. This corporate finance solution allows you to create quotes and invoices in different currencies, but also to monitor your cash flow or manage your payroll. Accounting documents are shared in a matter of moments and your entire team can connect to Xero simultaneously. This tool is therefore ideal to ensure a good financial management of your startup. Your growth will be accompanied in all serenity thanks to this complete and easy to use software.


For freelancers, the online solution Freebe is the perfect choice. All the financial data and tools needed for business management are included. Creating quotations and invoices, monitoring outstanding payments and even declaring turnover to the URSSAF, everything is possible with this nicely designed tool. In addition, Freebe offers you the possibility to accept credit card payments thanks to the synchronization with Stripe. All of this allows freelancers to save time and focus on their assignments.

What are the key steps to successful financial management?

There are several key steps to successful financial management.

To begin with, cash flow management is required. This includes creating quotes, invoices, monitoring their payments and making reminders. But you also need to ensure that you have the cash you need at all times. Having software where accounting data can be viewed in user-friendly dashboards is the first step in anticipating any problems.

Secondly, you need to keep time for accounting and meet payment deadlines. For this reason, you need a time-saving financial management solution. It should also allow you to monitor deadlines and send you notifications if necessary to avoid missing deadlines.

Finally, you need to centralize information and have a collaborative solution. This will allow team members to work efficiently and better manage the company’s financial resources. Note that in order to evaluate your company’s financial performance over time, it is important to set up performance indicators that you will monitor over the months.

Why is financial management important for startups?

When launching a startup, you often start from scratch. However, this strength is also a weakness, because if the founders and employees have few obstacles, the newly created company also has little financial resistance in case of operational difficulties.

To support the growth of the company over the months and years, it is therefore strategic not to neglect financial management. Otherwise, major difficulties may arise such as:

- A lack of cash to finance essential investments

- Difficulty in paying employees at the end of the month

- Forgetting to follow up on unpaid invoices

- Poor forecasting of business growth

- Poor assessment of the need for additional funds

These major problems can occur or worse, accumulate. For a startup, this can be fatal. On the contrary, strict control of expenses and good financial health allow you to identify corrective actions to be taken if problems arise, because you will have better visibility. Similarly, excess cash can be used to invest wisely or participate in the development of your startup.