Small-business owners are always fighting the clock. But time management isn’t just essential to getting more done. Saving extra minutes here and there can be the difference between stagnation and business growth. That’s why I’ve been pushing my team to build resources that make business owners’ lives easier.

Last fall, they built a tool I’m proud of. It’s called Policy Buddy and it tells you in two minutes what type of insurance your business needs. The best part is that, in researching Policy Buddy, my team came across a handful of other great tools every small-business owner should know about.

Here are a few of my favorites.

1. Policy Buddy: Simplify Business Insurance

We knew from our customers that most business owners are aware they need insurance. But most don’t know which policies they need. And they don’t have time to learn the ins and outs of the insurance injury in time to sign a lease or a contract.

Policy Buddy tells you what you need in two minutes. We built it to be simple and user-friendly: tell us basic things you already know about your business, and we’ll show you which insurance policies might help.

2. LastPass: Never Forget another Password

I can’t tell you how many times I’ve seen passwords written down and left in plain sight. Doesn’t matter whose office I’m in. I get it. I can’t remember my passwords, either. But if you don’t protect your passwords, you’re practically handing over the keys to your business to any would-be thief.

LastPass is a two-pronged solution. It both stores and encrypts your passwords. You create one master password for LastPass and it saves your passwords for things like…

• Email.
• Banking.
• Vendors.
• Project management systems.

Rather than keeping track of three dozen passwords, you only need to remember one.

3. Freshbooks: Invoices Made Easy

Creating, sending out, and following up on invoices takes time. That’s why Freshbooks is so useful. It handles those small but important tasks via a cloud-based platform.

For example, you can use it for:

• Invoicing.
• Expenses.
• Time tracking.
• Payments.

You can even automate your invoicing to send reminders and to add late fees if clients are slow to pay.

4. Nav: Your No-Sweat Credit Tracker

Your credit score is a gatekeeper in the business world. It can impact your ability to secure loans and your interest rates.

I recommend Nav for monitoring your credit score because it also offers suggestions on how you can improve it. When you’re striking distance from qualifying for a better loan, that’s a big deal.

Depending on what level you sign up for with Nav, you might also have access to:

• $1 million in identify theft protection.
• Identity recovery services.
• Competitor credit tracking.

Even if you already have a good credit score, regular monitoring can help you maintain it.

5. Kabbage: Find a Business Loan Faster

Kabbage helps small-business owners get capital quickly. No more going to a bank, filling out pages of paperwork, and meeting with a loan officer. With Kabbage, you can apply from your phone for a line of credit up to $100,000 and get a decision in minutes. If you’re approved, you can tap into the funds immediately.

That cash can help small businesses hire employees, purchase equipment, and keep up with demand. Sometimes, you just need a little boost to get where you’re going.