# Free Invoice Generator for Small Business

Create professional invoices and download as PDF — no signup, no watermarks. Add your logo, set payment terms, and email directly to clients.

## Your Business

**Logo**  
Drag & drop logo or click to upload  
PNG, JPG, SVG · Max 500KB

× Remove logo

**Business name**  
**Address**  
**Email**  
**Phone**

### Bill To

**Client name**  
**Address**  
**Email**

### Invoice Details

**Invoice number**  
**Invoice date**  
**Due date**  
**Payment terms**  
Net 30  
Net 15  
Net 60  
Due on receipt

### Line Items

**Description**  
**Qty**  
**Rate**

×

+ Add line item

**Additional**  
**Tax rate (%)**  
**Discount**  
**$%**

**Notes / payment instructions**

**Download PDF**  
**Send to Client**

## Your Business

### Invoice

**INV-001**  
Aug 8, 2026 · Net 30

### Bill To

**Client Name**

**Due Date**

Sep 7, 2026

| Description | Qty | Amount |
| --- | --- | --- |
| — | 1 | $0.00 |

**Subtotal**  
$0.00

**Total Due**  
$0.00

## How to Create a Free Invoice

1.  **Enter your business details**  
Add your company name, address, and logo. This information appears at the top of your invoice.
2.  **Add client information**  
Enter your client's name, email, and billing address.
3.  **Add line items**  
Describe each product or service, set quantities and rates. Tax calculations are automatic.
4.  **Set payment terms**  
Choose your due date, add notes, and select your preferred payment method.
5.  **Download or email your invoice**  
Export as a professional PDF instantly. Enter your email to save a copy for your records.

## Why Use Holdings' Invoice Generator?

### Completely free  
No trials, no premium tiers, no watermarks. Generate unlimited invoices at zero cost.

### No signup required  
Start creating invoices immediately. No account needed — just open the tool and go.

### Professional PDF export  
Download clean, print-ready invoices that look great on any device.

### Auto tax calculations  
Set your tax rate once. Subtotals, tax amounts, and grand totals update automatically.

### Better than bank-specific invoice tools  
Unlike Mercury, Relay, or other bank invoice features that require an account, Holdings' invoice generator is completely free — no banking relationship needed. Use it alongside any bank.

### Email invoices directly to clients  
Send professional invoices straight to your client's inbox with one click. Every invoice builds your brand — sent from your business name via Holdings.

### Get paid, not just invoiced  
This makes the invoice. A free Holdings account sends it with a built-in card payment link and books the payment automatically the moment it lands.

## Frequently Asked Questions

**How do I actually get paid from an invoice I create here?**  
This generator produces the document. To collect the money, a free Holdings account sends invoices with a card payment link and records the payment in your books automatically when the client pays.

**Is this invoice generator really free?**  
Yes — completely free with no limits. No signup, no watermarks, no hidden charges. Generate as many invoices as you need.

**Can I add my company logo to invoices?**  
Yes. Upload your logo in the business details section and it will appear on every invoice you create.

**What format are the invoices?**  
Invoices are exported as professional PDF files that you can print, email, or save to your records.

**Do I need to create an account?**  
No. The invoice generator works entirely in your browser with no account or signup required.

**How does this compare to Mercury's invoice generator?**  
Mercury's invoicing requires a Mercury bank account. Holdings' invoice generator is free for everyone — no banking relationship, no signup, no watermarks. Create professional invoices and download as PDF instantly, whether you bank with us or not.

**What's the best free invoice generator for contractors?**  
Holdings' invoice generator is built for contractors — add line items for labor and materials, set payment terms like Net 30, and download a professional PDF. Upload your logo for branded invoices. No signup needed.

**Can I use this invoice generator for my small business?**  
Yes — it's designed for small businesses, freelancers, nonprofits, and contractors. Add your logo, set tax rates, choose discount types ($ or %), and create unlimited invoices for free.

**Is there an invoice app that doesn't require signup?**  
Yes. Holdings' invoice generator works entirely in your browser with no signup needed. Create, preview, and download invoices instantly. You can even email invoices directly to clients.

**Can I email invoices directly to my clients?**  
Yes. Click 'Send to Client' and the invoice PDF is emailed directly to your client from your business name. No copy-paste, no attachments — one click and it's in their inbox.