All posts by Andrew Garvey

Andrew Garvey is CEO of Clear Books, where he is responsible for the company’s strategy and execution. He began his career as a lawyer before moving into technology. He has since spent 15 years building UK accounting technology from the inside, as a founder, operator and commercial leader. His track record spans the industry. He was on the founding sales team of an early UK cloud accounting platform, closing £1M in his first year and staying through its £56M acquisition by a major UK bank. As founding Chief Revenue Officer of a business banking and accounting start-up, he grew it to 35,000 customers and £10M ARR and helped raise £15M in venture funding. As Head of Sales at one of Europe’s largest accounting software companies, his teams generated more than £10M in new business, including enterprise deals with Deloitte and EY. In 2023 Andrew founded VIA to help accounting technology companies grow. At Clear Books, he has led product and in-app changes that lifted the free-to-paid conversion rate to more than double the SaaS industry average. Andrew has a detailed knowledge of the UK accounting industry. He speaks regularly with business owners, accountants and software vendors about how the sector is changing and what small businesses need from their software. He studied at Cardiff University and Durham University and is based near Cardiff.

Spreadsheets vs MTD software

Spreadsheets vs MTD Software: Why Sole Traders and Landlords Are Making the Switch

Key takeaways Spreadsheets are still allowed under MTD for Income Tax, but only with bridging software and unbroken digital links to HMRC. If one software product creates your records, sends quarterly updates and submits your tax return, HMRC says nothing...

/ 3rd November 2026
Free MTD software

Free MTD Software: What to Check Before You Choose a Provider

Key takeaways HMRC confirms that free MTD for Income Tax software exists for people with simple tax affairs, but warns it may come with limits, such as a cap on transactions. A free trial, a free tier with a paid...

/ 3rd November 2026
Clear Books mobile dashboard

How to Choose Accounting Software for a Small Business in the UK

Key takeaways Start with your business type and your tax obligations, such as Making Tax Digital, VAT, payroll or CIS, before comparing features. Simple accounting software is not the one with the fewest features. It is the one that lets...

/ 3rd November 2026
Clear Books accounting workspace

How Accountants Can Move Their Whole Client List Onto MTD Without Per-Client Software Costs

Key takeaways MTD for Income Tax reaches sole traders and landlords with qualifying income over £30,000 from April 2027 and over £20,000 from April 2028, so most practices will move clients across in waves. Per-client software fees grow with every...

/ 3rd November 2026