FreshBooks costs credit repair specialists $516/year at today's list price. Nexa is $279 once for invoicing, scheduling, CRM, time tracking and accounting in one suite — so after 6.5 months it has cost less than FreshBooks, and you own it after that. What it is not: hosted-for-you software with a support desk and a roadmap you can lobby. That is the trade, and the rest of this page is the detail behind it.
Nexa is $279 once, about $23 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $23 a month of charges you'd forgotten about and Nexa has paid for itself inside the first year, before you count the FreshBooks bill you'd stop paying.
It depends on what you find and what you cancel, so we don't promise a number. In our demo data, Drain Guard finds 5 subscriptions adding up to $110.13 a month. That is sample data, not a customer's.
The verdict for credit repair specialists: FreshBooks is solid software, but at $43/month it costs $1,548 over 3 years. Nexa does most of what FreshBooks does for $279 once. For solo credit repair specialists and small teams, Nexa is the better deal.
Client records, scheduling, invoicing and time tracking are the pieces of that day. Some tools rent you each piece separately. A few — Nexa among them — bundle the lot and carry their own booking link, with no per-appointment cut. The sections below price both routes honestly.
None of that is a software problem you can buy your way out of in one click — it is why the tool you pick matters more than what it costs. FreshBooks solves some of it. So does Nexa. The difference is what you are left holding in three years.
Today's list price is $43/month — $516 a year, from FreshBooks's own pricing page. Every figure below is that price, multiplied. Nothing is projected.
Nexa: $279 once (or 3 × $99). Over the same three years, that is $1,269 less.
If FreshBooks raises its price, the three-year cost goes up; if it cuts it, the cost comes down. We don't guess which. Add-ons, extra seats and card-processing fees are not included, on either side.
| Feature | FreshBooks | Nexa |
|---|---|---|
| Invoicing | ✓ | ✓ |
| Scheduling | ✗ | ✓ |
| CRM | ✗ | ✓ |
| Time Tracking | ✓ | ✓ |
| Full Accounting | ✓ | ✓ (SIMPL) |
| Task Management | — | ✓ |
| Works offline | — | ✓ |
| Price | $43/mo | $279 once or 3 × $99 |
| 3-Year Total | $1,548 | $279 |
| You own it? | No — stop paying, lose access | Yes — forever |
✓ and ✗ for FreshBooks come from its own published feature list. — means the feature isn't in that list, which is not the same as FreshBooks lacking it: check with them. Three years is at today's price.
Straight from FreshBooks's own feature set. If one of these is the reason you pay them, that reason does not disappear because Nexa is cheaper.
FreshBooks is the better call if you need very user-friendly for non-accountants specifically, or if your team is large enough that per-seat pricing still beats buying software outright.
FreshBooks says it is "perfect for everyone from self-employed professionals to growing business owners." It lists four audiences: freelancers, solopreneurs, businesses with employees, and businesses with contractors. (freshbooks.com)
What people outside FreshBooks and outside Nexa say:
Read on each linked page in October 2026. Check them again before you decide; vendors change plans often.
Software doesn't do the actual work — it automates the business around it. And that part is the same for every credit repair specialist: find the work, manage it, bill for it, get paid. Each step has a tool — and the right single tool runs the whole loop, so the handoffs are automatic and you get back to the actual work. Tap a step to see what gets automated.
An inquiry becomes a proposal becomes a signed engagement — the terms and the retainer set.
The work you're paid for — with the hours, tasks, and expenses tracked against the engagement instead of reconstructed at month-end.
The work becomes the invoice — the hours, the add-ons, the materials, the deposit credited — totaled and sent, instead of re-typed at 9pm.
Paid by card or link, the deposit credited, and what's overdue chased — without you doing it by hand.
You can stitch four separate subscriptions across these four steps, or run one tool that does the whole flow so a booking becomes a job becomes an invoice becomes a payment without re-typing. Either way the goal is the same: less time on the business of the business, more on the actual work. (Nexa is built to be the one — but the honest options for each step are above and below.)
This is the connection that makes the rest worth it. A credit repair specialist's job already holds the services, the hours, the add-ons, and the materials — so the invoice builds itself from the work instead of you re-typing it at 9pm. Toggle an add-on or nudge the hours and watch it recompute.
You didn't write this invoice — the job did.
FreshBooks plus whatever else you're paying for:
Email yourself this comparison?
The median Credit Repair Specialist earns $55,000/year. At $516/year, FreshBooks is a recurring slice of that — paid again every year, whether the year was good or not. Owning the same jobs outright is $279 once, and the slice stops.
Nexa is $279 once. Invoicing, scheduling, CRM, time tracking, accounting — all connected, built for credit repair specialists. You own it like you own your Tri-bureau dispute software with round-tracking.
An honest fit check — because the wrong tool is worse than no tool.
The honest fit: if you're a solo or small credit repair specialists business that owns its tools and is sick of renting software, Nexa replaces your whole stack for $279 once. If you're scaling into a large team with dedicated admin staff, a bigger platform may fit better — and we'd rather tell you that now than sell you the wrong thing.
Client records, scheduling, invoicing and time tracking are the pieces of that day. Some tools rent you each piece separately. A few — Nexa among them — bundle the lot and carry their own booking link, with no per-appointment cut. The sections below price both routes honestly.
Everything runs on the 30-day clock. Each morning I pull the latest reports and see what came back: a deletion, a 'verified as accurate,' or the worst one, an item I already removed that's been re-inserted. I work in rounds, and the whole job is knowing which round each tradeline is on across Equifax, Experian, and TransUnion for every client at once. A single client might have a charge-off on round two with one bureau, a deleted collection holding steady at another, and a late payment I'm hitting with a goodwill letter at the third. I draft disputes citing the actual inaccuracy, not a form letter, because the bureaus toss anything that smells like a mill. When a bureau rubber-stamps 'verified' I send a method-of-verification demand asking how, exactly, they confirmed it. Compliance is constant: CROA means I can't collect before I've done the work, every contract carries the three-day cancel, and I document service rendered before I bill. The reward is a screenshot from a client whose score crossed 700 and who can finally co-sign for their kid's apartment.
Real credit repair specialists near you who run their business on Nexa — book directly, no platform fee. Are you a credit repair specialist? Post your business and get found in your area — $2.99 one-time. Or browse every credit repair specialist on Nexa →
The tools of the trade — each a one-time buy that earns its keep for years.
Here's the bar that matters: you spent $2,350–$9,100 on tools that last for years, and never thought twice. So why should the software cost more than your whole kit — every single year? Hold it to the same standard as a good tool: $279, once.
The honest version. Nexa was built to beat the rented stack on the jobs that matter most to a credit repair specialist — here's where it wins, where the integration wins it anyway, and the things it genuinely doesn't do, with who to use instead. (No tool is best at everything; a guide that pretends otherwise is just an ad.)
The usual subscriptions vs. Nexa, side by side. Drag the time slider — every year you keep renting, the gap widens. Nexa is $279, one time.
On the work a credit repair specialist actually lives in — crm & clients, scheduling & booking, invoicing and job & project tracking — Nexa holds its own against the usual rentals (HubSpot →, Calendly →, FreshBooks →). Head-to-head on any single one it's competitive; what tips it is the thing none of them can copy: Your client intake, the per-bureau dispute rounds, the deletions and re-insertions, and the after-service invoice all flow through one record, so the round you just worked is the line you bill without re-typing it anywhere. in one record, no re-typing between four apps. One tool, $279 once, against 4 subscriptions · ~$1,032/yr. Concretely: on crm & clients, Nexa keeps each client's tradelines, bureau responses, and which dispute round they are on in one record so nothing gets dropped mid-cycle, and every note rolls straight into the invoice instead of living in a separate spreadsheet you re-key from.
Where it's not the answer: if you run real payroll for a team (use Gusto →), or run big email campaigns & automations (use ConvertKit →). Those tools are better at their one thing, and we'd rather point you to them than pretend.
Prefer to own a piece outright instead of renting? Free and open-source tools (GnuCash, Invoice Ninja and the like) each handle one job if you'll self-host them — a real option, listed because it's true.
Competitor pricing verified 2026-06-12.
We build a credit repair specialist's guide the same way every time, and we'd rather you trust it than take it on faith. Nexa is our product, so the test we hold ourselves to is simple: a tool only "wins" a job here when it genuinely does that job better for a credit repair specialist — and where something free, open-source, or buy-once does it better, we say so and link you to it. Where Nexa falls short (payroll is the honest example), we name the alternative outright.
Found something out of date? Prices change and we don't catch every move the day it happens. This guide is published and maintained by the Nexa team; if a figure here is wrong, tell us and we'll fix it — getting it right matters more to us than the sale.
For solo credit repair specialists and small teams, yes. invoicing, scheduling, CRM, time tracking, task management, and full accounting — all for $279 once. FreshBooks may be better if you have a large team (10+) or need enterprise-specific features.
FreshBooks has features like Very user-friendly for non-accountants and Built-in time tracking that some businesses rely on. For most solo credit repair specialists, these aren't dealbreakers.
At $43/month, Nexa pays for itself in 6.5 months. After that: $516 saved every year.
Yes. Nexa is $279 as a one-time payment, or 3 payments of $99 ($297 total). Either way it's a one-time purchase — no subscription, no recurring fees ever.
Own your tools. Stop renting your software.
Get Nexa — $279 Once