@mtrello 

I am currently seeking a new software company that can provide me with the software I need.     I am open for suggestions or referrals.

If you are working solo on a desktop (PC or Mac) to manage your books and only need basic features, you should explore this free program. You can use the program for as long as you like, use all the features and enter as much data as required. There are no time limits, no usage limits, no ads (at this time). This program is quite popular in Asia and Europe.

https://www.manager.io/

Then to pay your bills for free by ACH, you can signup a Melio account for free.

https://affiliates.meliopayments.com/pricing