QuickBooks Online is the default SMB ledger for a reason: banks connect, accountants recognize it, payroll exists. The hidden story is how SKU tiers and feature gates show up once you add people and dimensions.
Hidden issues we look for
- User seats and role friction when owners want separation of duties without enterprise pricing.
- Class/location reporting that looks fine until inventory-ish workflows creep in.
- Apps ecosystem costs: the base product is rarely the final monthly bill.
Verdict (starter)
A safe choice when your accountant is already in the ecosystem. Budget time to tame categories early, before historical cleanup becomes expensive.