Are you a self-employed or do you manage your own business, it's not an easy task. What am I going to tell you that you don't know?

In addition to all the responsibility involved in moving your company forward, there is the time spent on administrative tasks related to expenses and the accounting of your business.

And you don't have enough time, right?

Therefore, to know and use tools that simplify and digitize your business finances can be key to optimizing the short time you have.

What are those platforms that automate and digitize your expenses? We'll tell you about it.

Put your business finances on autopilot with Qonto

Wasting time on tasks that can be automated or that someone else can do for us is a shame. But, sometimes, we fall into the trap of thinking that there is no more practical solution, and we resign ourselves.

This may have happened to your business finances. Have you ever used your personal account to pay for your company's expenses? I'm sure it is.

For this reason, there are tools such as Qonto, which helps you whether you are self-employed, or if you have an SME or startup.

If you are self-employed

If you're your own boss, and you need a little order, Qonto allows you to separate your professional and personal finances.

Thanks to a bank account for your 100% online business, you can carry out all kinds of banking transactions from your mobile phone or computer.

In addition, it includes features such as: categorization of transfers and payments, subaccounts to create different spaces by project, client or to save. One! Very easy way to keep your accounting up to date!

If you run an SME

If your company has a solid structure and a team, Qonto allows you to have a collaborative account with different accesses for several people: yourself, your accountant or whoever you decide.

Thus, you can control all the expenses of your SME, while giving autonomy to your team.

In addition to financial management and accounting tools, Qonto includes:

• Configurable expense cards, for different devices, for example.
• Transfer request by an employee approved by the owner or administrator
• Unlimited movement history, with access to reading mode for the accountant
• Receipt attached to each transaction with a photo from the mobile

If you have a startup

If you are an entrepreneur and need agile processes for your startup to advance and grow, the Qonto business account includes all the tools and functionalities to do business management quickly and save time.

Thanks to an intuitive UX, an open API, and integrations with accounting and billing programs, you can automate administrative tasks related to the expenses and accounting of your startup.

Reduce and control your business expenses with Polaroo

But, besides having a specific, practical and convenient account for your business, what can you tell me about reduce the expenses that come out of that account and save effortlessly?

It helps you with that. Polaroo: a team of experts who help you reduce and manage recurring expenses such as electricity, gas, water or the Internet, all online!

Whether you're a freelancer, an SME or a startup, Polaroo can help you in these two ways:

Save on supplies for your office or premises

Whether you work from home, or if you have an office, offices or a place, you are sure to pay for the electricity bill, Wi-Fi bill or water bill.

These are fixed expenses that you have yes or yes and that perhaps you had not considered reducing. Maybe because You don't have the time or desire to dedicate yourself to reviewing invoices or compare providers.

But there are two things you might want to know:

• Other businesses have saved up to €1500 a year by reviewing and changing their contracts.
• You don't have to. Polaroo experts review your bills, compare rates, get you better prices and conditions, and they do all the necessary arrangements with suppliers for you.

Oh, and all at no cost!

Group your business expenses into a stable monthly payment

But, if in addition to saving, what you are looking for is to have your business expenses in an orderly manner and know what you are going to pay each month, keep reading.

Polaroo's Premium service, called Polaroo One, calculates your total annual spending (including all the recurring services you want) and divides it into 12 equal monthly instalments.

Every month you pay the same amount, you only pay once a month, and you know perfectly well how much money will come out of your account.

In addition, forget about having the invoices scattered among several sites, and writing down the amount of each one in an Excel. With Polaroo One you'll have a personalized platform where you can check what you spend, what you pay, and from where you can view and download all your digitized invoices.

The best? You have an assigned expert who will help you with any management related to your supplies: claims, changes of ownership or account, registration or cancellation of services, etc.

Simple and convenient business finance with Qonto and Polaroo

And why are we talking about these two tools in particular?

Because the two pursue a common goal: simplify and improve people's lives through digital and easy-to-use solutions.

That's why, starting this week Qonto has integrated Polaroo on your Qonto Connect platform, to facilitate, both SMEs and the self-employed:

• Save in monthly bills
• Group the different recurring expenses into a single monthly payment
• And to wear an expense control much simpler and more efficient.

Because, when two solutions fit together so well, why separate them?