Your books are in QuickBooks. But where’s your money?

Managing your money and books in different places costs you time and peace of mind

If you already use QuickBooks to manage your books, you’re ‌making good progress on the road to small business success. You keep track of your expenses, send your invoices, and (hopefully) have a clear view of your P&L.

But when you need to know your exact cash position, right this second, where do you look?

If you’re like many business owners, your answer is…everywhere.

You log into your business bank account. Then you check your credit card portal. You pop open your Bill.com or Melio tab to see what payments are scheduled. You look at PayPal to see what’s come in. All the while, you’re mentally cross-referencing everything with the data in QuickBooks.

Your books are in one place, and your money is in another.

This gap between your accounting and your actual cash is where stress, manual work, and nasty surprises are born. It’s the reason you end up in a “reactive” state, always balancing your cash flow instead of proactively commanding it.

What if you could close that gap?

What if you could manage your money in the same place you manage your books?

That’s the simple, powerful idea behind the QuickBooks Money ecosystem: when you manage your money in QuickBooks, your money and books are finally in sync.

Jump to:

• Balance your cash flow
• Find financial clarity
• Stop the busywork: pay bills with confidence
• Stop the chase: get paid faster
• The next level: from balancing to growing
• Your one-stop shop

Balance your cash flow

If you run a service-based business—like construction firms, creative agencies, or professional services— your cash flow can be…lumpy.

You have long pay cycles, big projects, and seasonal swings that can cause unexpected shortages. 

When you're in this situation, you're just trying to survive, often relying on small amounts of money. QuickBooks Money tools help you understand this by linking your money in (Payments) and your money out (Bill Pay). Often you have to rely on a piecemeal approach to financing to cover operational costs.

The problem is the hours spent manually entering paper bills, the time spent chasing overdue invoices, and the constant, nagging feeling that you might have missed something.

If you want to move from a reactive state to one of proactive, secure cash flow management, you can.

Find financial clarity

When we talk to business owners, one of the most important things they want is "financial clarity." This isn’t just a fuzzy term—it means knowing exactly what you have, what you owe, and what’s coming.

The QuickBooks Money portfolio gives you this clarity by connecting your money-in (Payments) and your money-out (Bill Pay).

Stop the busywork: pay bills with confidence

Let’s start with money-out. You’re probably tired of manual data entry. QuickBooks Bill Pay is your first step to "bookkeeping without the busywork." A recent study found that Bill Pay users reported a 33% decrease in time spent on accounts payable tasks, a core function of bill payment, allowing them to focus on growth activities.

• Say Goodbye to Manual Entry: Stop typing. You can forward bills from your email or upload them in bulk, and QuickBooks automates the pre-filled bill. You just review and save. This alone can cut your manual work in half.
• Pay with Confidence: Schedule payments with confidence using real-time insights into your cash flow. Seeing what money is in the bank, what's expected, and what other bills are upcoming. Because Bill Pay is inside QuickBooks, you eliminate the extra step of logging into your bank; it's all one seamless motion.
• Stay Organized: All your bills, vendor records, and 1099 payments are in one place, making you organized and tax-ready all year.

Stop the chase: get paid faster

Now for money-in. The biggest cash flow killer is waiting to get paid. QuickBooks Payments helps small businesses get paid up to 4x faster* with no manual matching—just faster, simpler payments that help boost your cash flow. Accept credit cards, ACH, PayPal, Venmo, and Apple Pay® anywhere, anytime. Manage all kinds of payments, all in one place with QuickBooks Payments.

A recent study found that adopting QuickBooks Payments led to a 27% decrease in the number of respondents who reported that at least 6% of their payments were late. And the number of businesses experiencing a high volume of late payments (11% or more) dropped by 52%.

• Spend Less Time Chasing Invoices: By using QuickBooks Payments, you can get paid up to 4x faster¹ when you send customers an invoice they can pay online right away.
• Automatic Bookkeeping: When you get paid with QuickBooks Payments, eligible payments are automatically matched with 100% accuracy.¹ This reduces the time you spend matching payments to invoices by 60%.¹ That’s time you get back to focus on your business, not your books. 
• Real-Time Insights: See when customers view and pay invoices in real time. This gives you an up-to-the-minute, accurate picture of your cash flow. Manage all your payments in one place. No extra setup, no manual matching — just faster, simpler payments that help boost your cash flow, right inside a platform you trust.

When you use Bill Pay and Payments together, you’re no longer just tracking your cash flow — you’re managing it in real-time.

The next level: from balancing to growing

What happens when you have total financial clarity? You stop thinking about survival and start thinking about growth. You’re a business owner like Kathy Turner of Filta Environmental Kitchens, who's opening a new product line and has high financial goals. She knows she’s not going to get there with her old, outgrown systems.

You need two things to succeed at this level: efficient money movement and access to funding to seize opportunities.

This is where QuickBooks Capital comes in—when you want fast access to funding options to give you peace of mind. A recent study found that the average time to access funds dropped to just two days after adopting QuickBooks, which is 67% faster than the previous average of six days reported by businesses using traditional methods.

• Be Prepared to Act Faster: Because all your business data is already in QuickBooks, you don’t have to fill out mountains of paperwork. You can apply for funding if eligible and receive a decision in minutes.
• Seize Opportunities: This speed is what sets you apart. It’s the difference between wanting to finance that new skid loader and actually financing it because you know your business is healthy. It’s about seizing opportunities right when they appear.

It’s about having the confidence and the resources to fuel your next move.

Your one-stop shop

No more Frankenstein-ing five different apps. No more "end-of-month scramble." No more gut-feel decisions based on an incomplete picture.

Just one platform where your books and your money are finally in sync.

You already trust QuickBooks with your accounting. The final step is to bring your money in, too. When you do, you’ll save time, gain real-time insights, and get the confidence you need to run your business.

You'll stop just balancing your cash flow and start transforming it. And that will transform your business.

Ready to get started?

Activate QuickBooks Payments and QuickBooks Bill Pay today to see your true, real-time cash flow and take control of your money.

Disclaimers

Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services

QuickBooks Term Loan and Quick Books Line of Credit Loans are issued by WebBank. 

*Four times faster’ is an average, based on time to receive payment from the date invoice was sent, for U.S. customers using QuickBooks Online invoice tracking and payment features, compared to customers not using these features, from Aug 2023 to Jul 2024.

¹QuickBooks Payments transactions made outside of QuickBooks Online are not eligible for automatic matching. Not all financial institutions participate.

¹Reduce time you spend matching payments by 60%: Calculation based on a comparison of total monthly QuickBooks Payments transactions with those that were automatically categorized.