For many small businesses, late summer is the perfect time to get financial records organized, strengthen cash flow management, and prepare for the final months of the year. Right now, there are two particularly good reasons to act: QuickBooks Online is offering 90% off for three months, and businesses should start preparing now if they expect to need additional working capital this fall.
Save 90% on QuickBooks Online
Intuit is currently offering 90% off QuickBooks Online for the first three months for new customers. The offer is scheduled to end August 31, 2026. For example, the current advertised price for Simple Start is $38 per month, but qualifying new customers can pay $3.80 per month during the promotional period.
That makes now an excellent time to make the switch or get your business finances organized if you have been relying on spreadsheets, paper records, or an outdated accounting system.
QuickBooks Online can help you track income and expenses, organize transactions, create invoices, monitor cash flow, and generate financial reports. Because it is cloud-based, you and your accountant or bookkeeper can access the information from virtually anywhere.
Don’t Wait for Higher Prices
There is another reason to act now. QuickBooks has already announced pricing changes for several QuickBooks Online plans, with new prices applying to renewals beginning August 1, 2026. Essentials, Plus, and Advanced were specifically included in the announced changes.
In other words, the current 90%-off promotion provides a limited opportunity to get started at a dramatically reduced introductory price before the promotion expires.
If you have been thinking about getting QuickBooks Online, August 31 is an important date to keep in mind.
Why Fall Is Also a Good Time to Apply for a Line of Credit
Getting your accounting organized isn’t just about bookkeeping. It can also put your business in a much better position to obtain financing.
Many businesses need additional cash in the fall to purchase inventory, hire employees, cover seasonal expenses, launch marketing campaigns, purchase equipment, or take advantage of new business opportunities.
The mistake many business owners make is waiting until they urgently need the money.
A better strategy is to apply for a line of credit before you need it.
A lender may want to see financial statements, revenue history, bank activity, tax returns, debt obligations, and other information when evaluating an application. Having accurate, current accounting records makes it easier to present a clear picture of your business.
QuickBooks can also help you monitor cash flow and produce financial information that can be useful when discussing financing with a lender.
Build Your Financial File Before You Need It
If you are considering a fall line of credit, use the next several weeks to:
- Make sure your bookkeeping is current.
- Reconcile your bank and credit-card accounts.
- Review your profit and loss statement.
- Review your balance sheet.
- Identify outstanding receivables and debts.
- Gather recent business and personal tax returns, if required.
- Review your monthly revenue and cash flow.
- Determine how much financing you need and what you will use it for.
The goal is simple: don’t wait until you need cash to start preparing for financing.
Summer Savings + Fall Financing = Smart Preparation
For a growing small business, this can be an especially productive time of year. You can take advantage of the 90% QuickBooks Online promotion before it ends August 31, establish better financial records, and use those records to prepare for a potential fall financing application.
A line of credit should not be viewed as free money, and approval is never guaranteed. But having access to working capital before an unexpected expense or growth opportunity arises can give a business greater flexibility.
Don’t wait until fall to get ready for fall. Get your books organized now, take advantage of the current QuickBooks savings, and start preparing for the financing your business may need to finish 2026 strong.