What is Kernel

Kernel’s simple invoicing and financial tools are designed to make the life of small business owners slightly less unbearable.

Having experienced the pain of mind-numbing process of keeping track and making sense of business’ financial figures as small business owners, we’ve decided to solve this problem once and for all by creating the simplest financial tools available for anyone without any prior expertise.

Managing a business shouldn’t be that hard. So, let us simplify it for you.

Analytics Tools

In our simple analytics you will find only the essential data organized in beautiful graphs for you to interpret and analyze. Plus you can export your raw data in CSV format.

Financial Calculators

With our simple but useful financial calculator you’ll be able to easily make routine calculations in a matter of seconds. You don’t need to be a finance wizard to get answers quickly.

Invoicing Software

Our software is the simplest way to create professional invoices and estimates wherever you are. It will take you under a minute to create, finalize and send your invoice to the customer.

Let's Talk Business

Apart from simple tools for business management, we will equip you with the knowledge that you will be able to use to manage your business better. One of the major problems in emerging markets is lack of business education, so the Kernel team decided to provide its users, customers, and anybody who’s interested in important insights into business management.

In our blog, we will tell you about how to go on making informed decisions about business growth and management.

The Difference Between Invoice, Bill, and Receipt

I asked a 24-year-old business owner from the Philippines who sell a surplus of running shoes online about the difference between invoice, bill, and receipt. He scratched his head and quipped “Is there any difference? Aren’t they the same?” Believe...

The Philippines is going digital with electronic invoices

Philippines is Going Digital with Electronic Invoices

Located in the ASEAN region, the heart of the world’s fastest-growing economies is the Philippines. An archipelago with over 73.9 million internet users contributing to the country’s internet economy worth US$ 7.5 billion. When the Philippines was hit by Covid-19,...

How to Guide: Small Business Financial Risk Management

How to Manage Small Business Financial Risks

If you’re reading this, you most likely are not the CEO of some multimillion-dollar company with tons and tons of financial resources to hold your hand. You are a small business owner, just like us, or a freelancer, sole proprietor,...

Basics of Small Business Financial Management

Basics of Small Business Financial Management

Let’s be plain. This article is for business owners looking for advice on how to manage their company’s finances. Are you tired yet hearing about the importance of leadership, team culture, cooperation, and vision? We are. Every business guru out...