Small Business Service

Perfect for Freelancers, Sole Traders and Self-Employed Individuals

Running your own business means wearing a lot of hats. Our system can take care of the financial admin so you can focus on the work.

Our Small Business service gives you access to our dedicated cloud accounting system, Pulse – built around the way self-employed people actually work, no complicated software, no steep learning curve.

View current pricing Enquire with our team

Key features

Cloud Accounting System

Track your income and expenses in real time through our Pulse portal. Record transactions, upload receipts, log business mileage and working from home allowance, all from your browser or our mobile app.

Your accounts are always up to date and ready when you need them.

Professional Invoicing

Create and send professional invoices directly from Pulse. Add your contacts, build invoices with line items, generate a PDF and store it securely, all in one place.

Record a payment, in full or in part, and it goes straight into your income ledger with the VAT split correctly. CIS subcontractors can apply the correct deduction rate per invoice.

Quotes

Send a priced quote before you start a job, mark it accepted when the customer says yes, then turn it into an invoice in one click with every line carried across.

Quotes have their own numbering, and Pulse flags the ones still waiting or expired. Nothing touches your income or tax figures until the invoice is paid.

Recurring invoices

Invoice the same customer on a schedule and Pulse creates each invoice for you, either emailed automatically or saved as a draft for you to check first.

Weekly through to yearly, with payment due on receipt or in 7, 14 or 30 days. Pause, skip, run early or stop whenever you like.

Pay online

Add your own Stripe, SumUp or PayPal.Me link in Invoice Settings and a Pay online button appears on your invoice PDFs and your invoice emails.

Your customer pays by card there and then, and the money goes straight to your own account. It never passes through MalgraBooks.

VAT and CIS options

If you’re VAT registered, Pulse can track your VAT on transactions and generates your quarterly figures ready for submission.

CIS subcontractors can log their deduction rate, flag which clients deduct CIS, and see the correct net and gross figures on every invoice and in their reports.

HMRC-Compliant Record Keeping

Every transaction is recorded exactly the way HMRC expects it. View your profit and loss, indicative tax and National Insurance figures at any time.

When you’re ready to submit your Self Assessment, your figures are already organised, and our team can submit your return directly to HMRC if you have the Tax Return add-on.

Small Business Solutions

Designed for busy sole traders and freelancers, Pulse brings all your financial admin into one place.

Track income and expenses across multiple self-employed activities or businesses. View monthly and annual profit and loss reports, monitor your VAT position, and see an up-to-date tax estimate based on your actual figures, not a rough guess.

Create professional invoices with your business name and address, apply VAT where applicable, and handle CIS deductions automatically. When a client pays, mark the invoice as paid and the income is recorded for you.

If you’re on our VAT package, we’ll monitor your quarterly returns and keep you on the right side of Making Tax Digital. And if you need help, we’re a message away.

Your accounts, on the go

Our popular mobile app gives you quick access to the features you need most while you’re out and about.

Log expenses with receipt photos, track your mileage with smart route calculation, review recent entries, and keep an eye on your estimated tax liability, all from your phone.

The app works alongside our full Pulse accounting system with new features added regularly. There’s no additional charge for our app.