How to manage debt
Debt can be a useful tool to start and grow your business. But what can you do if that debt starts to become a problem?

Download the guide to managing debt
Learn how your small business can manage debt. Fill out the form to receive this guide as a PDF.
Flexible features made for your business
Bank reconciliation
Keep your account balances and financials up to date. Easily confirm that the transactions in your bank accounts are recorded in your business financial records with Xero’s bank reconciliation software.
Online invoicing
Work smarter, not harder with Xero’s intuitive invoicing software. With Xero online accounting, you can send invoices, automate reminders and so much more from the comfort of your desktop or mobile app. Finish your invoice admin at a time that works for you and your small business.
GST returns
No more poring over spreadsheets! Xero automatically records GST on each transaction and includes it on the BAS, ready for you to review. And once you’ve reviewed the numbers, you can lodge your BAS online with the ATO securely, directly from Xero.
Plans to suit your business
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.
Cloud-based accounting software for a healthy business. Start using Xero for free