Core Finance for solo operators

A tour of free-tier Core Finance for a one-person business — invoicing, cash, bills, bank, close and assets, with a narrated video.

Download the uncaptioned cut — same timeline with no on-screen text, for narrating live over.

1. Your books, already set up

Finance › General Ledger › Chart of Accounts

1. The whole back office, for one person running everything. Not a trial, not a starter tier — the free tier, and this is all of it.
2. Everything lives behind one door, and this is it — every part of Finance in one menu.
3. General Ledger holds the structure your books stand on.
4. A full chart is already here, grouped by account type in statement order — nobody has to build one from a blank page.

2. Bill your customers

1. Invoicing is where a small business actually lives. Every invoice sits in one list, and the tabs across the top are the states a real invoice moves through — draft, sent, partial, paid.
2. Each line carries its own status and what is still owed, so a glance answers the question that matters.

3. Get paid, and see who owes you

1. When the money arrives you record a receipt and apply it against the invoice. These are posted — the ledger has already moved.
2. And this is the screen you open when cash is tight. Aging buckets, oldest first, with the days overdue spelled out per invoice.

4. Pay what you owe

1. The other direction works the same way. Bills come in, you post them, you pay them — and the list keeps unposted and posted apart.

5. Reconcile the bank

1. Import your bank history and Horizon lines the statement up against what you have already recorded.
2. Proposed matches arrive with a confidence score and you accept or reject each one. What it cannot place, it leaves for you — a bank fee, an owner draw — rather than guessing.

6. Close the period, read the numbers

1. At month end you close the period. Every period is listed with its state, so nothing gets posted into a month you already put to bed.
2. Then the trial balance. Debits, credits, and a word at the top telling you it balances — this is double-entry accounting, not a spreadsheet with totals.
3. And the statements come out the other side. An income statement, a balance sheet, and the trend across the year — the documents an accountant or a lender actually asks for.

7. What you own

1. The laptop, the desk, the camera — the things you bought that outlast the year. They get a register and a straight-line depreciation schedule, without a separate system.
2. One person, one system, real books — none of it needing a single automation, and none of it costing anything.