Financial & business services
Every client and every invoice in one place.
For accountancy, investment and business services firms that have outgrown spreadsheets and inboxes. Client onboarding, documents, billing and reporting held together, and connected to the accounting software you already trust.
Connects to Xero, QuickBooks and Sage rather than replacing them.
The problem
The client is one relationship. The information is everywhere.
Finance lives in spreadsheets
Client lists, fees, invoices and payments tracked in separate files that never quite agree with each other.
Chasing payments by hand
Hours every week spent emailing and phoning about invoices that a system could have reminded the client about.
Documents scattered everywhere
Engagement letters, IDs and statements spread across email, WhatsApp and shared drives, with no clear record of what is current.
Month-end is a manual exercise
Numbers pulled together by hand before anyone can see which clients, services or fees are actually performing.
What the system does
Every client, fee and payment connected to one record.
From the first enquiry to the paid invoice, with the documents and the audit trail attached as the work happens.
Clients & onboarding
One record for the relationship, with the checks done and evidenced at the start.
- Client and entity records
- Onboarding and ID checks
- Engagement letters and e-signature
- Contacts and related parties
- Service and fee history
- Role-based access by team
Client portal
Clients help themselves, so your team stops acting as a document courier.
- Secure branded login
- Invoices and statements
- Document upload and requests
- Reports shared securely
- Messages in one thread
- Progress on current work
Billing & payments
Fees billed consistently and collected with less chasing.
- Quotes that become invoices
- Recurring and retainer billing
- Card and Direct Debit collection
- Automatic payment reminders
- Payments matched to invoices
- Sync with Xero, QuickBooks or Sage
Reporting & automation
The numbers are live, so month-end stops being a project.
- Cash flow and aged debt dashboards
- Profit by client and service
- Deadline and renewal alerts
- Automated follow-ups and tasks
- AI-assisted document reading
- Full audit history
The workflow
From enquiry to paid invoice.
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01
Enquiry
The lead, the service needed and the proposed fee recorded in one place.
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02
Onboarding
ID checks, engagement letter and documents completed and signed online.
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03
Delivery
Work, deadlines and client requests tracked against the client record.
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04
Billing
Invoices raised from the agreed fee and sent automatically, with reminders.
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05
Reporting
Cash flow, overdue payments and client profitability visible without a spreadsheet.
Built to order
Keep your accounts. Connect everything else.
Your accountant should not have to change how they work. SmartCo sits in front of your accounting software, handling clients, portals, billing and reporting, and passes invoices and payments straight through. Where a firm needs full accounting, stock and payroll in one system, we build that on our Operations and ERP platform.
- Xero, QuickBooks and Sage connected rather than replaced
- Invoices and payments entered once and synced
- Making Tax Digital stays with your accounting software
- Full ERP available through the Operations platform
- Every integration scoped and agreed before work begins
Pricing for financial services
Platform pricing, with the specialist parts scoped.
Most firms start on the Operational CRM platform, from £299 a month with up to 10 users included. Client portals, payment collection and specialist finance modules are scoped and agreed before work starts. Where full accounting, stock or payroll is needed, it is quoted on the Operations and ERP plan. Prices exclude VAT.
Common questions
What finance teams ask us.
We keep the detailed answers together on the main FAQ page so they stay consistent across the website.
Next step
Tell us how your firm runs.
A conversation about your clients, billing and reporting, and what a system built around them would look like.