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Managing an SME involves choosing tools for accounting, payroll, human resources, and taxes. On this page, we bring together our reviews of these tools, with real prices, limitations encountered, and the business profile for which each solution is suitable.
We add an angle that few comparisons address: how to pay for these recurring subscriptions with a business credit card to recover part of the cost in points or cash back.
For bookkeeping, the majority of Canadian SMEs choose between QuickBooks and a few lighter alternatives. Here are our detailed reviews.
HR software centralizes employee files, leaves, and payroll. Here are our reviews, including cases where the payroll module is added to existing accounting software.
Filing a tax return for an SME or a self-employed worker requires certified software. Here are our reviews of the options available in Canada.
Beyond software, a business credit card remains the simplest tool for separating professional expenses and tracking daily cash flow.
Your software subscriptions form a recurring and predictable expense. This is exactly the type of bill to put on a business credit card that accumulates points or cash back.
Let’s take a concrete example. An SME that pays $3,500 per year for accounting, HR, and payroll software recovers about $70 with a 2% cash back card, without any extra effort. The calculation becomes more interesting with a points card, depending on the chosen program.
Business cards almost never require a minimum personal income: approval is based on the business, not on your finances. This is a game-changer for a startup SME or a self-employed worker with variable income.
Three criteria separate two cards that seem equivalent on paper.
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