bestia

It is so competitive that you really have to give away some enticements. Maybe offer free hosting for a period of time if they buy a website through you or vice versa offer a free website with hosting. This can work with targeted niches and local businesses to get you started.

I use Wave accounting, all online and I use the free version for now. People can pay with credit card right online when I email them invoices and I only get charged when they use a credit card.