Skip to content

Finmark Business Software Directory

  • Directory of common / well known software
  • Quick summary of whether it'll be useful for you
  • Customised recommendation available - send your question via the contact page.
  • Built for SMB's (Small-to-Medium Businesses), this is about getting your business going without excess enterprise-level software, recommendations here are all either low budget or contain low-budget/free starter plans.

Marketing Software

Marketing software helps you generate leads, run campaigns, and track performance across channels like search, email, and social media. The right stack depends heavily on your budget and how quickly you plan to scale. Avoid stacking too many tools early — complexity kills execution.

  • HubSpot Free CRM, basic email marketing, forms, and landing pages. Strong starting point if you want everything in one place.

  • Mailchimp Simple email marketing for newsletters and basic automations. Easy to use but limited as you scale.

  • Canva Quick design tool for social posts, ads, and basic branding without needing a designer.

  • GoHighLevel All-in-one system (CRM, funnels, SMS, email) at a low monthly cost. Strong value if you want to consolidate tools early.

  • ClickFunnels Dedicated funnel builder for lead generation and sales pages. Best suited if converting traffic is your primary focus and you want proven templates out of the box.


Recommendation

If you want the cleanest, lowest-risk setup:

  • Start with HubSpot + Canva
  • Add Mailchimp or GoHighLevel for outreach (not both)
  • Only add ClickFunnels if your primary growth lever is paid traffic and landing page conversion

SEO Tools

 SEO tools help you improve your visibility in search engines — through technical site audits, keyword research, and backlink analysis. Some are built for specialists, others work fine for business owners managing their own SEO. Start with the basics before investing in enterprise platforms. 

Low budget SEO tools (startups)

  • Google Search Console – free and essential. Shows how your site is performing in search, what keywords you're ranking for, and any technical issues Google has flagged.
  • Google Analytics 4 – free traffic and behaviour tracking. Pairs with Search Console to give a full picture of organic performance.
  • Ubersuggest – affordable keyword research and basic site audits. Good entry point before committing to a full platform.
  • Ahrefs Webmaster Tools – free version covers site audits and backlink tracking for your own domain. Solid for fixing technical issues early.
Recommendation (Low Budget Setup)

Start with Google Search Console + Google Analytics 4 — both free, both essential. Add Ubersuggest if you need keyword research on a tight budget. Don't pay for a full SEO suite until you're consistently publishing content.

High budget SEO tools

  • Ahrefs – best-in-class for backlink analysis, keyword research, and competitor tracking. Heavy favourite among professional SEOs.
  • Semrush – comparable to Ahrefs with stronger on-page and technical audit features. Also covers paid search if you want one platform for both.
  • Moz Pro – solid all-rounder with a strong community and good reporting. Slightly easier to use than Ahrefs but less data depth.
  • Screaming Frog – desktop crawler for deep technical audits. Low cost but highly capable — standard tool for agencies.
Recommendation (High Budget Setup)

Choose based on your primary use case:

  • Content and link building → Ahrefs
  • Combined SEO + PPC tracking → Semrush
  • Technical auditing → Screaming Frog (pair with either of the above)

Most businesses only need one main platform. Ahrefs and Semrush overlap significantly — pick one, not both.

Accounting & Finance

Accounting software keeps your books accurate, your cash flow visible, and your compliance obligations manageable. The right choice depends on your business size, whether you have a bookkeeper or accountant, and how much automation you actually need. Getting this wrong early costs more to fix later. 

Low budget accounting software (startups)

  • Wave – free invoicing and basic bookkeeping. Suitable for sole traders with simple needs, but limited for GST/BAS reporting in Australia.
  • Xero Starter – entry-level Xero plan with limited invoices and bank reconciliation. ATO-integrated and BAS-ready from day one.
  • MYOB Essentials – straightforward Australian-built option with payroll, BAS, and invoicing. Good for small businesses wanting local support.
  • Zoho Books – affordable cloud accounting with strong automation features. Less common in Australia but a capable option for the price.
Recommendation (Low Budget Setup)
  • Sole trader / freelancer → Wave or Xero Starter
  • Small business with employees → MYOB Essentials or Xero Starter

Prioritise ATO and BAS compliance from the start — retrofitting this later is painful.

High budget accounting software

  • Xero Premium – best-in-class for Australian SMEs. Strong ecosystem of add-ons, excellent bank feeds, and widely supported by Australian accountants.
  • MYOB AccountRight – desktop/cloud hybrid with deep payroll and job costing features. Popular in trade and construction businesses.
  • QuickBooks Online – strong globally, less dominant in Australia but competitive on price and features at the mid-market level.
  • NetSuite – enterprise ERP with full financial management, inventory, and multi-entity support. Significant investment — built for complex businesses.
  • JONAS Premier - Fully featured construction accounting software with built in reports suited directly to construction businesses. 
Recommendation (High Budget Setup)
  • Growing SME → Xero (broad accountant support, strong integrations)
  • Trade / construction / job costing → MYOB AccountRight, or JONAS Premier.
  • Complex or multi-entity business → NetSuite

Xero is the default recommendation for most Australian businesses — it's the most widely supported by local bookkeepers and accountants.

Payroll & HR

Payroll and HR software handles employee payments, leave management, onboarding, and compliance with Fair Work obligations. In Australia, single touch payroll (STP) reporting is mandatory — make sure whatever you choose is ATO-compliant. The right platform reduces admin and keeps you out of trouble. 

Low budget payroll & HR software (startups)

  • KeyPay – Australian-built payroll with STP, award interpretation, and rostering. Strong value for small businesses managing Modern Award compliance.
  • Xero Payroll – built into Xero, covers STP, leave, and super. Convenient if you're already on Xero accounting.
  • Employment Hero (Essentials) – combines basic HR and payroll. Good if you want a single platform for onboarding, contracts, and pay runs.
  • MYOB Payroll – included in MYOB plans. Straightforward option for businesses already using MYOB for accounting.
Recommendation (Low Budget Setup)
  • Already on Xero → Xero Payroll (no additional platform to manage)
  • Award-heavy workforce → KeyPay (better award interpretation engine)
  • Wanting HR + payroll together → Employment Hero Essentials

STP compliance is the baseline — don't use any tool that doesn't support it.

High budget payroll & HR software

  • Employment Hero (Premium) – full HR suite covering recruitment, onboarding, performance reviews, and payroll. Strong fit for growing teams wanting to professionalise HR.
  • Rippling – powerful US-founded platform now available in Australia. Combines HR, payroll, and IT management in one system.
  • Elmo Software – Australian-built HR and learning platform for mid-market businesses. Strong on compliance and workforce development.
  • Workday – enterprise-grade HR and payroll. Significant implementation cost — suited to large or complex organisations.
Recommendation (High Budget Setup)
  • SME scaling past 20 staff → Employment Hero Premium
  • Tech-forward business wanting HR + IT integration → Rippling
  • Large / complex organisation → Workday or Elmo

Don't over-invest in HR software before your headcount justifies it. Employment Hero covers most SME needs at a reasonable price point.

Project Management

 Project management software keeps tasks, timelines, and teams organised — whether you're running a five-person startup or coordinating across departments. The best tool is the one your team will actually use. Feature-heavy platforms mean nothing if adoption is low. 

Low budget project management software (startups)

  • Trello – simple kanban-style boards for visual task tracking. Fast to set up, easy for small teams, limited on reporting and dependencies.
  • Google Tasks - Simple & effective, integrated into multiple google platforms/apps and free. 
  • Asana (Free) – task lists, basic project views, and team assignments. More structured than Trello without the cost.
  • Notion – flexible workspace combining docs, databases, and task management. Steep learning curve but highly customisable for the right team.
  • ClickUp (Free) – feature-rich free tier covering tasks, timelines, and basic reporting. Can replace multiple tools if set up properly.
Recommendation (Low Budget Setup)
  • Simple task tracking → Trello or Google Tasks
  • Structured team projects → Asana Free or ClickUp
  • Documentation-heavy teams → Notion

Avoid over-engineering your setup. A simple tool used consistently beats a powerful tool used inconsistently.

High budget project management software

  • Monday.com – highly visual and customisable. Strong for teams wanting dashboards, automations, and cross-project reporting without heavy implementation.
  • Asana (Business/Enterprise) – scales well for complex project portfolios with timeline, workload, and goal tracking features.
  • Smartsheet – spreadsheet-based project management with strong automation and reporting. Popular in construction, engineering, and operations teams.
  • Microsoft Project – deep scheduling and resource management. Industry standard for large capital projects but carries significant complexity and cost.
Recommendation (High Budget Setup)
  • General business / agency → Monday.com or Asana Business
  • Operations / construction / engineering → Smartsheet or Microsoft Project
  • Large capital or infrastructure projects → Smartsheet or Microsoft Project

If you're in construction specifically, evaluate purpose-built tools like Procore or Aroflo before defaulting to a generic PM platform.

Pro tip - don't underestimate Smartsheet. It takes some customisation but can do nearly everything any business needs with task/project management, even if it isn't for those who want out-of-the box ease of use day one, it can grow with you. 

Inventory & Stock Management

Inventory software gives you real-time visibility over stock levels, purchase orders, and fulfilment — critical once you're operating at any meaningful volume. Poor inventory visibility is one of the fastest ways to erode margin. These tools integrate with most accounting and ecommerce platforms. 

Disclaimer: Stock software is highly complex as soon as you've got any large number of SKU's, don't choose this lightly, get it right for your needs, analyze carefully.

Low budget inventory software (startups)

  • Zoho Inventory – solid entry-level option with order management, multi-channel selling, and basic reporting. Good value for small product businesses.
  • inFlow Inventory – simple desktop/cloud inventory system suited to small wholesalers and retailers. Straightforward to implement.
  • Cin7 Core (formerly DEAR) – Australian-supported inventory and order management with strong accounting integrations. Good mid-range option.
  • Xero + Inventory add-ons – if you're on Xero, lightweight inventory tracking is available natively; pair with a dedicated add-on as you grow.
Recommendation (Low Budget Setup)
  • Small retail or ecommerce → Zoho Inventory
  • Wholesale / B2B product business → inFlow or Cin7 Core
  • Already on Xero → Start with native Xero inventory and upgrade when limits are hit

Don't invest in heavy inventory software before your product volume justifies it.

High budget inventory software

  • Cin7 Omni – full multi-channel inventory, warehouse management, and 3PL support. Strong fit for growing product businesses across multiple sales channels.
  • NetSuite Inventory – enterprise-grade, fully integrated with NetSuite ERP. Best for complex businesses needing inventory, finance, and fulfilment in one system.
  • Unleashed – cloud-based inventory and manufacturing management. Strong for businesses with bill of materials, batch tracking, or production runs.
  • Fishbowl – popular with manufacturers and wholesalers, particularly those using QuickBooks for accounting.
Recommendation (High Budget Setup)
  • Multi-channel retail or distribution → Cin7 Omni
  • Manufacturing or batch production → Unleashed
  • Enterprise / complex multi-entity → NetSuite

Inventory software gets expensive fast — map your actual requirements before committing to a platform.

E-commerce Platforms

E-commerce platforms are the foundation of any online selling operation — handling your storefront, checkout, payments, and order management. Your choice here shapes every other tool decision in your stack. Pick based on where you expect to be in three years, not just where you are today. 

Low budget e-commerce platforms (startups)

  • Shopify (Basic) – the default starting point for most product businesses. Easy setup, large app ecosystem, and strong payment processing.
  • WooCommerce – free WordPress plugin for self-hosted online stores. Lower upfront cost but requires more technical management.
  • Squarespace Commerce – clean templates with basic selling features. Best for small catalogues where design matters more than flexibility.
  • Ecwid – lightweight store that adds selling capability to an existing website. Good if you already have a site and don't want to rebuild it.
Recommendation (Low Budget Setup)
  • Building a store from scratch → Shopify Basic
  • Already on WordPress → WooCommerce
  • Small catalogue, design-focused → Squarespace Commerce

Shopify is the safest starting point for most. It costs more than WooCommerce but saves significant time in setup and ongoing maintenance.

High budget e-commerce platforms

  • Shopify Plus – enterprise Shopify tier with advanced automation, custom checkout, and B2B features. Strong for high-volume or wholesale sellers.
  • BigCommerce – strong native feature set with lower transaction fees. Competitive alternative to Shopify Plus for mid-to-large businesses.
  • Magento (Adobe Commerce) – highly customisable open-source platform. Powerful but requires significant developer resources to implement and maintain.
  • Salesforce Commerce Cloud – enterprise e-commerce integrated with the Salesforce ecosystem. Best for large businesses already invested in Salesforce.
Recommendation (High Budget Setup)
  • Scaling DTC brand → Shopify Plus
  • B2B or complex pricing structures → BigCommerce or Shopify Plus
  • Full custom build with dev resources → Magento
  • Salesforce-first organisation → Commerce Cloud

Avoid Magento unless you have dedicated developer support — the flexibility comes with real operational overhead.

Customer Support

Customer support software centralises inbound queries across email, chat, and phone — so nothing falls through the cracks as you scale. Good support tooling pays for itself in retention. Most businesses delay implementing it until it's already a problem. 

Low budget customer support software (startups)

  • Freshdesk (Free) – ticketing system with email, chat, and basic reporting. Generous free tier that covers most small business needs.
  • Zoho Desk – affordable help desk with automation rules, ticket tracking, and basic self-service features.
  • Tidio – live chat and basic chatbot for websites. Good for capturing real-time enquiries without a full help desk setup.
  • HubSpot Service Hub (Free) – ticket management and live chat integrated with HubSpot CRM. Useful if you're already in the HubSpot ecosystem.
Recommendation (Low Budget Setup)
  • Email-first support → Freshdesk Free
  • Already on HubSpot → HubSpot Service Hub Free
  • Live chat priority → Tidio

Start with one channel. Adding more support channels before your volume justifies it just creates noise.

High budget customer support software

  • Zendesk – industry-leading help desk with deep ticketing, automation, and reporting. Strong fit for businesses with high support volumes across multiple channels.
  • Intercom – combines live chat, help desk, and product messaging. Strong for SaaS and subscription businesses managing onboarding and retention alongside support.
  • Freshdesk (Growth/Pro) – scales well from the free tier with stronger automation, SLA management, and reporting.
  • Salesforce Service Cloud – enterprise support platform integrated with the Salesforce CRM ecosystem. Best for large organisations already on Salesforce.
Recommendation (High Budget Setup)
  • General high-volume support → Zendesk
  • SaaS / subscription business → Intercom
  • Scaling from a Freshdesk free setup → Freshdesk Growth
  • Salesforce-first organisation → Service Cloud

Zendesk and Intercom solve different problems — Zendesk is reactive support, Intercom is proactive customer engagement. Pick based on your model.

Cyber Security

Cyber security software protects your business from data breaches, ransomware, and credential theft — risks that are no longer limited to large enterprises. Australian SMEs are increasingly targeted precisely because defences tend to be weak. Basic protection is cheap; a breach is not. 

Low budget cyber security software (startups)

Endpoint protection (antivirus / malware)

  • Norton Small Business – well-known consumer-to-SME antivirus with central device management. Easy to deploy across a small team with no IT background required.
  • ESET Endpoint Security – highly regarded endpoint protection with a light system footprint. Strong detection rates and straightforward central management for small teams.
  • Malwarebytes for Teams – effective malware and ransomware protection. Good supplementary layer or standalone option for budget-conscious businesses.
  • Microsoft Defender – built into Windows and Microsoft 365. Adequate baseline if your team is already on the Microsoft stack and you don't want to add another tool.

Password management

  • Bitwarden – open-source password manager for teams. Secure, affordable, and significantly reduces the risk of credential-based breaches.
  • 1Password Teams – polished, easy-to-use alternative to Bitwarden with strong business features. Slightly higher cost but faster team adoption.

Web / network protection

  • Cloudflare (Free) – DNS protection and basic web application firewall. Adds a meaningful security layer to your website and network at no cost.
Recommendation (Low Budget Setup)

Build in layers — endpoint, passwords, and DNS are the three basics every business should have covered:

  • Endpoint → ESET or Norton Small Business (both proven, affordable, and manageable without IT support)
  • Passwords → Bitwarden (lowest cost) or 1Password (easier rollout) or Lastpass 
  • Web/DNS → Cloudflare Free

Microsoft Defender is fine as a baseline but shouldn't be your only protection. Most SME breaches come from reused passwords and phishing — not sophisticated attacks. Get these three layers right before spending on anything else.

High budget cyber security software

Endpoint detection & response (EDR)

  • CrowdStrike Falcon – leading EDR platform with real-time threat intelligence and incident response. Enterprise standard for businesses that need active threat hunting.
  • Sophos Intercept X – solid mid-market endpoint protection with managed threat response options. Strong fit for businesses without a dedicated IT security team.
  • Microsoft Defender for Business / 365 – well-integrated security for Microsoft-heavy environments. Cost-effective if you're already paying for Microsoft 365.

Identity & access management

  • Okta – centralises login security, MFA, and SSO across all your business applications. Standard choice for businesses managing access across a large app stack.
  • Microsoft Entra ID (formerly Azure AD) – strong alternative to Okta for Microsoft-first organisations. Often already included in higher-tier Microsoft 365 plans.

Security awareness training

  • KnowBe4 – phishing simulation and security awareness training platform. Addresses the human element — still the most common breach vector for SMEs.
Recommendation (High Budget Setup)
  • Microsoft 365 environment → Defender for Business + Microsoft Entra ID
  • Mixed or cloud-heavy environment → CrowdStrike or Sophos + Okta
  • Any environment → Add KnowBe4 if your team handles sensitive customer data

Cyber security investment should scale with your data risk, not just your headcount. If you hold customer financial or personal data, treat this category seriously.

Communication & Collaboration

Communication and collaboration tools replace scattered email threads with structured, searchable conversations — keeping remote or hybrid teams aligned. The right setup reduces meeting load and speeds up decision-making. Most businesses underinvest here until poor communication is already costing them.

Low budget communication & collaboration software (startups)

  • Slack (Free) – team messaging with channels, direct messages, and basic integrations. The free tier limits message history but works well for small teams.
  • WhatsApp - Free, mobile-first team communication with group chats, voice notes, file sharing, and calls — and because everyone already has it, there's zero onboarding friction. 
  • Microsoft Teams (Free) – chat, video calls, and file sharing integrated with Microsoft 365. Strong default if your business is already on the Microsoft stack.
  • Google Workspace (Starter) – Gmail, Drive, Docs, Meet, and Calendar in one affordable bundle. Best starting point for businesses not tied to Microsoft.
  • Zoom (Free) – reliable video conferencing for client calls and team meetings. The free tier limits meetings to 40 minutes but covers most startup needs.
Recommendation (Low Budget Setup)
  • Microsoft environment → Teams Free
  • Google environment → Google Workspace Starter
  • Messaging-first team → Slack Free + Zoom for video
  • Mobile / field-based team → WhatsApp Business (free, zero friction, works on any device) 

Avoid running both Slack and Teams — consolidate early or you'll end up with communication split across platforms.

High budget communication & collaboration software

  • Slack (Pro/Business+) – unlocks full message history, more integrations, and admin controls. Worth upgrading once your team relies on it daily.
  • Microsoft 365 Business – full suite including Teams, Outlook, SharePoint, OneDrive, and Office apps. Strong value for businesses wanting an integrated communication and productivity stack.
  • Google Workspace (Business Standard/Plus) – upgraded storage, Meet recording, and admin features. Best for Google-first businesses scaling past the starter tier.
  • Loom – async video messaging for teams. Reduces unnecessary meetings by letting people communicate through short recorded videos.
Recommendation (High Budget Setup)
  • Microsoft environment → Microsoft 365 Business Standard
  • Google environment → Google Workspace Business Standard
  • Remote or async-first team → Add Loom to either stack

Microsoft 365 and Google Workspace are the two main choices — pick one and go deep rather than mixing both. The integration benefits are only realised when your team is fully on one platform.