invoicing
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Toggl Tracks the Hours. Harvest Gets You Paid
The two time-tracking veterans look similar until the timer stops. Choose Toggl Track for cleaner capture and deeper analysis; choose Harvest when every approved hour needs a short path to an invoice.
Teamwork Wins Where Project Management Meets the Invoice
For client-service teams, finishing the work is only half the job. Teamwork.com connects tasks, time, rates, expenses and invoices in one workflow, while rivals still ask users to stitch parts of the money trail together.
Cone
Cone is a YC S22 B2B SaaS company building an AI-powered work operating system for accounting and professional service firms. It unifies proposals, engagement letters, billing, payments, project management and client engagement into one platform so firms can go from proposal to payment without stitching together separate tools.
Flott HQ
Flott HQ is an AI-native operating system for transport and logistics fleets. It pulls a fleet's scattered operational data (planning, GPS, fuel, mileage) and financial data (revenue, orders, invoices) into one control center, then lets AI agents handle the repetitive busywork - dispatch, billing, payment tracking - so operators can see their whole business in one place and run leaner. Founded in 2025 by high school friends Sylvanus Mahe and Kanvaly Fadiga, the company went through Y Combinator's Spring 2025 (X25) batch.
NextPay
NextPay is a Philippine fintech that gives small and medium businesses the money-movement tools banks make hard to reach: batch payouts to any local bank or e-wallet, payroll, digital invoicing, QR Ph collections, and an API for embedded finance - with no corporate bank account, setup fee, or maintaining balance required. Founded by Don Pansacola and Aldrich Tan and backed by Y Combinator (W21), it has processed billions of pesos for thousands of growing Filipino businesses.
Swipe
Swipe is a Hyderabad-based billing and accounting app that lets India's small and medium businesses create GST-compliant invoices in seconds, share them over WhatsApp with instant payment links, and manage inventory, purchases and tax filing from one place. Backed by Y Combinator (S21), it targets the roughly 75 million SMEs that still run on paper ledgers and spreadsheets.
The New Money Company
The New Money Company (YC W24) is a San Francisco fintech that protects B2B invoices against nonpayment and moves the money across borders. Its product, Numo, underwrites a buyer's creditworthiness instantly, guarantees the seller gets paid even if the buyer defaults, and settles funds to more than 80 destinations - with an early focus on getting international contractors in emerging markets paid in USD within seconds. Founded in 2023 by three former Hologram operators, it aims to let businesses sell into new markets without carrying the risk of a buyer who never pays.
inyad
inyad is a Moroccan-founded fintech building mobile-first software for small and micro merchants across Africa and the Middle East. Its apps - the Konnash digital ledger and the Mahaal all-in-one point-of-sale, invoicing and payments platform - help corner shops, cafes, salons and independent traders move their bookkeeping, sales and payments off paper and onto a phone. Founded in 2018 by former McKinsey consultant Moncef Chlouchi, the company reports a user base in the millions across 10-plus countries and has raised roughly $14M from investors including Partech, Al Mada Ventures, CDG Invest and FJ Labs.
ipaymy
ipaymy is a Singapore-based fintech that lets businesses and individuals use their existing credit cards to pay expenses that normally do not accept cards - rent, salaries, supplier invoices and taxes. By routing these payments through its platform, ipaymy helps users free up working capital with up to 55 days of interest-free credit, earn card rewards on everyday expenses, and get paid faster through its Fetch invoicing tool. Licensed by the Monetary Authority of Singapore as a Major Payment Institution, it operates across Singapore, Malaysia, Hong Kong and Australia.
Qoyod - قيود
Qoyod is a Riyadh-based cloud accounting and e-invoicing platform built for the Saudi market. Founded in 2016 by Abdullah AlDayel, it lets small and medium businesses issue invoices, track expenses, manage inventory and stay compliant with ZATCA (Fatoora) e-invoicing rules - without needing formal accounting expertise. It bundles accounting, point-of-sale and tax compliance into one Arabic-first, locally hosted system now used by tens of thousands of Saudi businesses.
Zbooni
Zbooni is a Dubai-based conversational commerce platform that lets businesses capture orders, send invoices, and accept payments directly inside messaging and social apps like WhatsApp, Instagram, and Facebook Messenger. Founded in 2016 by Ramy Assaf and Ashraf Atia, the company champions what it calls cCommerce - selling through the chat window customers already use - and provides merchants a mobile business dashboard, payment links, and its own payment gateway across the UAE, Saudi Arabia, Jordan, and Egypt.
Breezeworks
Breezeworks is a San Francisco-based software company that builds mobile-first business management tools for independent service professionals - plumbers, electricians, HVAC techs, cleaners, landscapers and other on-the-go contractors. Its app bundles scheduling, dispatching, customer management, automated reminders, GPS team tracking, custom invoicing and integrated payments (via Square and Breezeworks Payments, with QuickBooks sync) so a solo operator or small crew can run the entire back office from a smartphone. Founded in 2012 and backed by Obvious Ventures and a roster of notable tech investors, Breezeworks aims to keep small service businesses independent and efficient.
Everyware
Everyware is an Austin, Texas-based payments and customer-engagement company that lets businesses collect money and communicate with customers over text message. Founded in 2015 by Larry "Austin" Talley and Scott Orlinsky, its Pay By Text platform turns a mobile phone number into a payment method - customers receive an invoice by text or email and pay by replying, without downloading an app or logging in. Everyware combines two-way SMS messaging, online and in-person payments, recurring billing, and identity-verification tools for merchants in healthcare, travel, automotive, nonprofit, retail, and utilities.
Lili
Lili is a New York-based financial technology company that runs an all-in-one business banking platform for small businesses. It bundles a fee-free business checking account with built-in accounting, expense management, invoicing, automated tax savings and high-yield savings - collapsing tools that owners would otherwise stitch together. Founded in 2018 by Lilac Bar David and Liran Zelkha, Lili started serving freelancers and solopreneurs and has since repositioned toward growing, multi-employee small businesses. Banking services are provided through partner bank Sunrise Banks, N.A., Member FDIC.
Sera Systems
Sera Systems is a Dallas-based SaaS company that builds field service management (FSM) software for HVAC, plumbing, and electrical contractors. Founded in 2018 by longtime HVAC and plumbing contractor Billy Stevens, Sera combines scheduling, dispatching, invoicing, memberships, and financial reporting into one platform designed to raise contractors' operating margins. The company markets a measurable outcome: boosting customers' operating margins by more than 40% within six months. In May 2023 it closed an eight-figure Series B round funded entirely by home-service business owners.
Ignition
Ignition, founded in Sydney in 2013 as Practice Ignition, is a revenue and billing automation platform for accounting firms, bookkeepers, and professional-services businesses. It combines digital proposals, engagement letters, automated invoicing, and integrated payments into one system so firms can win clients, get paid on time, and reduce scope creep. More than 7,500 businesses use Ignition, and customers processed roughly $3.1 billion through the platform in 2025.
Lago
Lago is an open-source billing and metering platform that lets companies build usage-based, subscription, and hybrid pricing models without building a homegrown billing stack from scratch. Founded in 2021 by two early Qonto employees, it offers a free, self-hostable core plus managed cloud tiers, and is used by companies such as Mistral AI, PayPal, Groq and Synthesia to meter events and issue invoices at scale.
Ascend
Ascend is a San Francisco-based financial operations platform purpose-built for the insurance industry. It automates the money workflows brokers, agencies, wholesalers, MGAs and carriers deal with every day - billing and invoicing, premium collection and financing, cash application, commission reconciliation and carrier payables - so businesses close their books faster and cut manual accounting work. Founded in 2021 by Andrew Wynn and Praveen Chekuri, the company is trusted by more than 4,000 insurance businesses, including over half of the 50 largest brokers in the US, and in 2026 agreed to merge with premium finance firm Honor Capital to form what the companies describe as insurance's first fully vertically integrated, AI-powered financial operations platform.
Routable
Routable is a San Francisco fintech that automates the unglamorous plumbing of business payments - accounts payable, mass payouts, and vendor onboarding. Founded in 2017 by Omri Mor and Tom Harel and backed by Y Combinator and the Altman brothers, its cloud-native platform captures invoices with AI-powered OCR, runs approval and compliance workflows, handles tax forms, and pushes money out via ACH, real-time rails, and cross-border methods while syncing back to accounting systems.
Duranta
Duranta is a Seattle-based software company building AI-powered tools for landscapers and lawn care professionals. Its flagship model, AIdan, automatically measures property details from imagery and turns them into estimates and proposals, wrapped in a suite that includes landscape design, invoicing and a CRM. Founded by the team that previously built Aurora Solar, Duranta raised a $7 million seed round in July 2025 to help outdoor-service businesses spend less time on site visits and more time closing work.
Field Complete
Field Complete is an Atlanta-based software company that builds a field service management platform for home-service and trade businesses - HVAC, plumbing, electrical, appliance repair, landscaping, painting, property maintenance and more. Founded by contractors-turned-founders, the product lets small crews schedule and dispatch jobs, estimate and invoice on-site, collect payments, and - unusually - sub-contract portions of a work order to other companies while keeping full visibility. It launched with a free tier and paid plans, and integrates with QuickBooks and Stripe. The company has since begun operating under the brand Mr Task.
MotionOps
MotionOps is a Utah-based vertical SaaS platform that gives home service and home improvement contractors a single system to run their business - CRM, proposals, scheduling, invoicing, payments, timesheets, materials tracking, payroll prep and HR. Founded in 2021 by service-industry operator Trevor Maddux and software veteran Nikola Cvetkovic, it aims to replace the four or five disconnected tools that plumbers, electricians, remodelers, landscapers and cleaners typically stitch together.
Paid
Paid is a monetization platform for AI agents. Instead of charging by the seat or the API call, it lets agent builders price by the outcome an agent delivers - points of margin saved, tasks completed, revenue generated - then tracks the underlying costs and margins in real time and hands the customer a receipt proving the value. Founded by Outreach creator Manny Medina and a team that previously built billing at Salesforce, Palantir and Pleo, Paid raised $33.3M across a 2025 pre-seed and seed and is building the plumbing for how software gets paid when the software is an autonomous worker.
Roofr
Roofr is an all-in-one sales and operations platform built for roofing contractors. Founded by a third-generation roofer, it turns satellite imagery into accurate roof measurement reports in hours, then layers on instant estimates, branded proposals, a purpose-built CRM, material ordering, invoicing, and payments - so roofers can run the whole job, from first knock to final invoice, in one place. More than 12,000 roofing companies use it.
Banner Technologies
Banner is an enterprise capital expenditure (CapEx) management platform built for commercial real estate owners, operators, and developers. It replaces spreadsheets, email threads, and disconnected tools with one system that runs the full capital process - budgeting, bidding, bid leveling, cost tracking, invoicing, and lender draws. Banner says customers automate 80%+ of administrative work and save up to 10% on project costs, and the platform manages more than $10 billion in capital expenditure.
Housecall Pro
Housecall Pro is an all-in-one, cloud-based business management platform built for home service professionals - plumbers, electricians, HVAC techs, cleaners, and other tradespeople. It folds scheduling, dispatching, invoicing, payments, marketing, and customer management into a single mobile-first app, increasingly layered with AI tools that answer calls, book jobs, and answer accounting questions. Founded in 2013 and headquartered in Denver, the company serves tens of thousands of service businesses and has powered well over 100 million completed jobs.
Monograph
Monograph is a San Francisco-based software company that builds cloud practice-operations software for architecture and engineering firms. Its platform replaces spreadsheets with real-time tools for project budgets, staffing, time tracking, invoicing and profitability forecasting, giving design professionals live financial visibility into their work. Founded in 2019 by three architectural designers, Monograph serves thousands of A/E firms and has helped manage hundreds of millions of dollars in projects.
Tabs
Tabs is an AI-native revenue platform that automates the contract-to-cash cycle for B2B finance and accounting teams. Its AI agents read messy customer contracts, generate and send invoices, chase collections, reconcile payments, and handle revenue recognition - turning manual back-office work into software. Founded in 2023 in New York by operators from Latch, Tabs serves 200+ customers including Cursor and Statsig, and raised a $55M Series B led by Lightspeed in September 2025, bringing total funding past $91M.
Orb
Orb is a modern billing platform that helps software and AI companies turn raw product usage into revenue. Instead of being built around rigid subscriptions and contracts, Orb starts by ingesting real usage events and lets teams define any pricing logic on top - usage-based, seat-based, token-based, or hybrid. Founded by former Asana engineers who were tired of pricing changes taking months, Orb powers billing for companies like Vercel, Replit, Pinecone, and Perplexity.
B12
B12 is a New York-based software company that builds an AI-powered, all-in-one platform for professional service providers - lawyers, accountants, consultants, and other small firms - to get online and run their businesses. Its AI generates a complete, industry-specific website in about 60 seconds, then pairs that automation with on-platform human designers, copywriters, and SEO specialists through a system the company calls Orchestra. Beyond websites, B12 bundles scheduling, intake forms, e-signatures, invoicing, payments, email marketing, and a client contact manager into one subscription.