Overview
💰 Build the Business, Live the Life.
You know what to do, accountability ensures you actually do it.
It starts with the best of intentions:
“I just need to get through this month.”
“I'll sort the finances when I have more time.”
“I know I should set goals… but I'm too busy.”
Slowly, that ambition gets buried under the weight of firefighting, overdue invoices, and vague spreadsheets.
Overwhelm sets in. Motivation drops. Confidence takes a hit.
Most business owners don't need more time—they need clarity, focus, and someone in their corner
🔬 Accountability and business success
😎 76% of people achieve goals when they share progress weekly with someone else, compared to just 43% when keeping goals private. (Source: Dominican University of California)
📈 Having external accountability can improve task follow-through by 65-70%, even for everyday actions. (Source: Journal of Personality and Social Psychology, 2016)
😔 48% of small business owners say they struggle with loneliness and lack of support. (Source: National Federation of Independent Business, 2021).
😎 Make smarter decisions with regular support and structure
SME Clutch is the simple, powerful tool that helps you work on your business, not just in it. With monthly goal-setting, check-ins, and guidance that lead to real financial results.
Whether you're working solo or alongside your bookkeeper, SME Clutch helps you:
🏆 Define what success looks like for you
🎯 Set clear personal and business goals
🔬 Stay accountable with weekly check-ins
🔬 Review progress with monthly check-ins
📈 Understand your finances at a glance
💰 Keep more of what you earn
🦸🏻♀️ Turn your bookkeeper into a results-focused accountability partner
Because businesses don't grow from good intentions, they grow from action, supported by structure.
🦸🏻♀️ Why Bookkeepers Are the Best Accountability Partners for Small Business Owners?
🧮 They see the numbers.
🥁 They know the rhythm of the business.
🔎 They care, but stay objective.
📅 They already meet with the business owner regularly.
🎯 They make goals measurable.
👉 That's why accountability through a bookkeeper is so effective, it's a natural extension of the relationship between business owners and their bookkeepers.
🦸🏻♀️ Bookkeeper benefits
As a Bookkeeper, you have a 5 minute weekly and 15 minute monthly opportunity to understand and help your clients.
SME Clutch helps you:
- Attract
- Differentiate
- Retain
- Help
SME Clutch synchronises in a minute and doesn't write data to Xero
✅ Take the First Step Toward Smarter Accountability
Whether you're a bookkeeper ready to help your clients succeed or a business owner ready to take control, SME Clutch is your accountability co-pilot.
👉 Sign up now for a FREE 14 day SME Clutch trial and start experiencing the benefits of accountability on your success.
SME Clutch + Xero
SME Clutch retrieves 13 key metrics from Xero for Cash and Credit Businesses from the executive summary report for the last 12 months.
Within the program goals are set against these metrics and once a month the client or their bookkeeper updates this data and it then refreshes the data, and show progress against these metrics.
How do I connect to my Xero Account?
- Create a Team
- Add Business Team Name
- Choose your Business Category > Select 1
- Choose Your Software > "Connect to Xero"
- Sign Into Xero
- Select Company You will be returned to Connected to your Accounting Software Page.
- Select "Get Your Data Now!" & wait for Data to process
- Set Goals
What data is collected?
We read 13 metrics from your executive summary.
Do you write data to Xero?
No
Pricing plans
This app includes a free 14 day trial
SME Clutch
- £10.00 per team per month
- 🎯 Personal, Business, Financial Goals
- ⌛ Only 15 minutes monthly check-in
- ⌛ Only 5 minutes weekly check-in
- 🚀 Bookkeepers = Accountability Partners
- 🗝️ 1 Business
Getting started
Start a FREE 14 day trial having read our Getting Started FAQs
