Know what customers owe you
See unpaid and overdue invoices clearly so money that should already be in your bank does not quietly disappear from view.
Small business accounting software UK
Simple accounting software that helps you stay in control of your money.
Polar Accounts brings invoicing, expenses, bills, credit control, cash-flow forecasting and everyday money guidance into one clear place. Built for small business owners who want to understand their finances without having to become an accountant.
Built for small businesses
Invoices and credit control
Cash-flow visibility
Inside Polar · Accounts
Example
YOUR MONEY AT A GLANCE
Polar Accounts
See what is coming in, going out and what needs attention next.
POLAR MONEY BRIEF
Your business money today
£8,420 due in
Across unpaid customer invoices
£2,180 due out
Bills and expected expenses
£4,760 forecast
Expected closing cash position
3 need attention
Overdue customer invoices
Polar recommends:
Chase the three overdue invoices before committing to the planned supplier spend.
Income this month
£12,680
Invoices raised
Expenses
£5,240
Recorded costs
Outstanding
£8,420
Still to collect
Safe to spend
£2,950
Current guidance
Credit Control
Northway Services
£1,480
7 days overdue
Oakfield Ltd
£860
Due Friday
Harrison & Co
£2,150
Due next week
Small business bookkeeping made clearer
You should not need a finance department to understand your own business.
Small business accounting can quickly become a mixture of invoices, receipts, bills, spreadsheets, reminders and unanswered questions. Polar Accounts brings the everyday money picture together so you can see what has happened, what is coming next and where you need to act.
Understand what is going out
Record expenses and bills so you can see the commitments sitting behind your current bank balance.
Look ahead, not just backwards
Use cash-flow forecasting and money guidance to understand what the next few weeks could look like before making another spending decision.
Invoicing software for small business
Create invoices, track what is unpaid and get closer to the money you have earned.
Invoicing should not end when you press send. Polar Accounts keeps the invoice connected to the customer, payment status and credit-control journey so you can see what is paid, what is outstanding and what needs chasing.
Create professional invoices
Raise customer invoices from inside Polar and keep them connected to the wider customer journey.
Track unpaid invoices
See which invoices are still outstanding and how much money is waiting to come into the business.
Payment reminders
Keep follow-up organised so overdue invoices are less likely to be forgotten while you are busy running the business.
Credit control software for small business
See overdue invoices before they become a cash-flow problem.
Getting the work is only part of the job. Getting paid matters too. Polar Credit Control gives you a clear picture of who owes money, what is overdue and which customer needs following up next.
Outstanding customer invoices
Example credit-control view inside Polar Accounts.
£4,490 overdue
Northway Services
£1,480
7 days overdue
Send reminder
Bridgefield Ltd
£2,250
4 days overdue
Follow up
Riverside Design
£760
2 days overdue
Review
Cash-flow forecasting for small business
Know what may be coming before the bank balance tells you too late.
A healthy-looking balance today does not always tell you what happens next week. Polar Cash-Flow Forecast brings expected income and upcoming commitments together to give you a clearer forward view.
See the weeks ahead.
Your cash-flow forecast helps you understand the likely movement of money through the business rather than relying only on today’s balance.
- Expected customer payments
- Upcoming bills and expenses
- Likely future cash position
- Potential pressure points
- Clearer spending decisions
FORECAST CASH POSITION
£9,840
Example six-week outlook
Now
Week 2
Week 4
Week 6
Expense and bill tracking
Keep the money going out just as visible as the money coming in.
Record business expenses, keep supplier bills organised and build a more complete picture of what the business is actually costing to run.
Expense tracking
Keep day-to-day business spending organised instead of relying on receipts, inboxes and memory.
Supplier bills
Record what the business owes and the dates payments are expected so upcoming commitments remain visible.
Receipt capture
Keep supporting documents alongside the financial records they relate to and reduce the pile of paperwork waiting for month end.
Polar Safe to Spend
Your bank balance is not the same thing as money you can safely spend.
Polar Safe to Spend looks beyond the headline balance and helps you think about upcoming bills, expected income and known commitments before deciding what the business can comfortably afford.
EXAMPLE SAFE TO SPEND
£2,950
After allowing for the commitments and expected movements currently
recorded in Polar.
A clearer spending decision.
Small businesses often make decisions using the balance they can see today. But some of that money may already be spoken for.
Safe to Spend is designed to give the owner a calmer, more useful view before committing to another purchase or taking money from the business.
Polar Money Coach:
Your cash position is positive, but £2,180 of supplier and operating
costs are due shortly. Keep those commitments covered before increasing spend.
Small business money management
More than a list of transactions.
Polar Accounts is designed to help the owner understand what the numbers mean and what may need attention next.
Polar Money Coach
Plain-English guidance that helps turn the money picture into practical next steps.
Month-End Check
Work through the important financial housekeeping before closing another month.
Customer statements
Keep customers informed about invoices, payments and outstanding balances.
Recurring invoices
Keep regular customer billing organised without rebuilding the same invoice process every time.
Credit notes
Record invoice adjustments properly and keep the customer account picture clear.
Accountant export
Keep your information organised so it is easier to share financial records with your accountant when needed.
Accounting software for business owners
Understand the money without turning yourself into an accountant.
Polar Accounts is part of the wider Polar Small Business Manager journey. Customers, quotes, invoices, bills, plans and business decisions can stay connected instead of living in separate systems.
Customers connect to invoices
Keep the financial relationship alongside the customer journey rather than treating accounting as an isolated back-office task.
Money connects to planning
Use what is happening financially to help shape priorities and future business decisions.
Polar tells you what needs attention
Instead of simply showing numbers, Polar helps surface overdue money, upcoming commitments and useful next actions.
Small business accounting software FAQs
Simple answers about Polar Accounts.
What is small business accounting software?
Small business accounting software helps organise financial tasks such as invoices, expenses, bills, unpaid customer balances and cash-flow information in one place. Polar Accounts also adds plain-English money guidance designed for the business owner.
Can I create invoices in Polar Accounts?
Yes. Polar Accounts includes invoicing so customer invoices can stay connected to the wider customer and money journey inside Polar.
Can Polar track unpaid and overdue invoices?
Yes. Polar Credit Control helps you see outstanding and overdue invoices so you know which customer payments may need following up.
Does Polar Accounts include cash-flow forecasting?
Yes. Polar includes a Cash-Flow Forecast designed to give you a clearer view of expected money coming in, upcoming commitments and likely future cash position.
Can I track expenses and bills?
Yes. Polar Accounts includes income, expense and bill tracking so you can keep everyday business money organised in one place.
What is Polar Safe to Spend?
Safe to Spend is designed to help you think beyond today’s bank balance by considering recorded commitments and expected movements before making another spending decision.
Can I share my records with my accountant?
Polar includes accountant export tools designed to make it easier to organise and provide financial information to your accountant.
Is Polar Accounts only accounting software?
No. Polar Accounts forms part of Polar Small Business Manager, so money can remain connected to customers, sales, planning and the wider journey of running the business.
Polar Accounts
Know where the money stands — and what needs doing next.
Bring invoices, expenses, bills, credit control, cash-flow forecasting and everyday money guidance together inside one connected small business workspace.