Providing on-line non-downloadable Internet-based business management software applications and web-based applications that enable users to manage inventory and projects, perform customer relationship management, manage and calculate payment schedules, monitor and analyze transactions, expenses, account balances, and cash flow, prepare and generate budget and spending reports, generate invoices, manage accounts receivable and payable, pay employees, and automate and prepare tax and loan-related forms and documents; Providing on-line non-downloadable Internet-based software applications and web-based applications for use in managing and analyzing personal finances, daily monitoring of transactions and account balances, and cash flow, budget and spending reporting, creating financial plans, assessing and setting spending goals, and automating and preparing tax worksheets; Providing on-line non-downloadable Internet-based software applications and web-based applications that enable users to make online bill payments