You bill hours or projects, chase late payers, juggle 30 suppliers, and tell investors a story about margin. Ledgers handles the books so you can run the agency — and surfaces the three numbers (revenue, margin, time-to-cash) that actually matter for a service business.
You invoice, you wait, you chase, you bill subcontractors, you reconcile a Stripe payout against four invoices, you try to figure out what gross margin really was last month. It's six tools and an hour every Sunday — and still wrong.
Spreadsheet of estimated hours vs invoiced. Always optimistic.
Project costing built on real bank movements. Bills + subbie payments tagged to the project. True margin, monthly.
You scroll Xero, write awkward emails, give up halfway.
Auto-chase ladder: day 1 / 7 / 14 / 30 with escalating tone. Stops chasing the moment payment lands.
Vibes-based. 'Feels like 45 days?'
AR aging widget on every dashboard. Median + worst-case + which customers stretch you.
Open Stripe, open Xero, scroll, swear.
Stripe payouts auto-match across multiple invoices + fees. Net + fee + tax all reconciled.
Open the cashflow spreadsheet. Update three cells. Pray.
Decision Room. Add the hires, see burn change, see runway change. Save the scenario.
Three hours, half-stale, sent late.
Month-end pack auto-generated on the 1st. P&L, BS, AR aging, anomaly log. One link.
Recurring templates, Stripe payment links built in, auto-email chase ladder for overdue. Customers get a clean, branded URL — not a PDF attachment they lose.
Tag bills and subbie payments to projects. Monthly margin shows true profitability per engagement — not just 'we billed £40k from them last quarter'.
One payout, multiple invoices, fees in the middle — auto-matched. The Stripe-vs-books mismatch that takes an hour to untangle becomes one line in the morning briefing.
AI prepares the 9-box return. You type 'I confirm'. We hand you the figures; you file via your HMRC Gateway. Penalty Pledge on Growth+.
Bills surface with auto-match to bank debits. Track outstanding to each freelancer. CIS scheme handled if you're in construction-adjacent work.
MRR / ARR if you do retainers. AR aging. Cash + burn + runway. A Trust Receipt every month — cryptographically signed (SHA-256). Forward straight to your board.
Harvest, Toggl, Productive, Float — time-tracking and resource-planning stay there. Ledgers handles the money. When your time tracker exports an invoice or billable, we receive it via Stripe or upload, post the JEs, and surface margin. We don't want to be the stopwatch on your team's timesheets.
That covers 400 transactions/mo, includes anomaly flagging on VAT, the Penalty Pledge, and the signed Trust Receipt for your board. Solo founders on Starter (£29). Larger agencies with 20+ people on Scale (£179).
The total replaces Xero (£32) + bookkeeper (£250-400) + Dext (£12) + chasing tool (£10-50) — typically £300+/mo dropping to £79.
Connect a bank, watch your last 30 days categorise themselves, decide.
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