Who we help · Retail & small business
For retail and small businesses that need clearer numbers and less admin.
High transaction volume, inventory movement, multiple payment channels, and operational admin — the things that make retail messy are the things most accounting setups quietly fail at.
Built for
The kinds of businesses we set up cleanly.
Retail stores
Single-outlet and multi-outlet retail with high SKU count and daily transactions.
E-commerce businesses
Marketplace and direct-to-consumer brands managing platform payouts, returns, and ad spend.
Salons & studios
Service businesses with appointments, packages, deposits, and staff commissions.
Lifestyle brands
Mixed retail and wholesale, often across physical and online channels.
Small service businesses
Project-based work with invoicing, retainers, and supplier costs.
Multi-outlet operators
Several locations, central head office, and the need for outlet-level numbers.
What the stack handles
Where retail and small business operations actually need help.
The data points that matter aren't exotic. They're the basics — but they're only useful if they're accurate, reconciled, and visible at the right cadence.
- —Transaction volume
- —Inventory movement
- —Staff and commission expenses
- —Card and online payments
- —Supplier payments
- —Monthly management reporting
- —Cash flow visibility
- —Outlet- and channel-level P&L
Singapore retail in 2026
The numbers most retail operators are watching.
We won't pretend the operating environment is easy. These are the data points behind every retail conversation we have right now.
1 Apr 2026
InvoiceNow voluntary GST trigger
GST-voluntary registrants must submit via the InvoiceNow Peppol network from this date. Full rollout to all GST-registered businesses by 1 Apr 2031.
4-channel
Typical SG retail mix today
Physical store, Shopify or own D2C, at least one marketplace (Shopee/Lazada/Amazon), wholesale. Each one with its own payout cycle, commission, and reporting structure.
1 Jul 2026
Local Qualifying Salary rises to S$1,800
Up from S$1,600. Affects foreign-worker quota counting. Material for multi-outlet retail with mixed local/foreign staffing.
S$1M
GST registration threshold
Compulsory GST registration kicks in when taxable turnover exceeds S$1M on retrospective or prospective basis. Most growing retail brands cross this line earlier than they plan for.
Inventory
The silent margin killer
Most multi-channel retail P&Ls don't reflect stock held across channels. Quarterly stock-take only catches the damage after the quarter. Live inventory integration changes the timing.
5-year
Record retention requirement
Singapore retains accounting records for at least 5 years from the relevant Year of Assessment under the Income Tax Act and Companies Act.
Sources: IRAS GST and InvoiceNow guidance, MOM Local Qualifying Salary update for 2026.
From the work
A retail engagement, start to finish.
For retail operators
Get clearer numbers and less admin.
Tell us your sales channels, outlet count, and the tools you use today. We'll show you what a cleaner setup looks like.