There are several cloud accounting solutions available for small businesses, each with its own strengths and features. The best solution depends on the specific needs and requirements of the business. However, based on popularity, user reviews, and features, here are three top cloud accounting solutions for small businesses:

1. QuickBooks Online: QuickBooks Online is one of the most widely used cloud accounting solutions for small businesses. It offers a range of features such as invoicing, expense tracking, bank reconciliation, financial reporting, and inventory management. QuickBooks Online also integrates with various third-party applications, making it highly customizable and scalable. It has a user-friendly interface and provides real-time access to financial data from anywhere.

Example: A small retail business can use QuickBooks Online to manage sales, track inventory, and generate reports on profitability by product or category. The invoicing feature allows them to create professional-looking invoices and track payments.

Reference: QuickBooks Online. (n.d.). Retrieved from https://quickbooks.intuit.com/online/

2. Xero: Xero is another popular cloud accounting solution known for its ease of use and powerful features. It offers functionalities such as invoicing, bank reconciliation, expense tracking, payroll management, and project tracking. Xero provides a clear overview of the business's financial health and allows collaboration with accountants or bookkeepers. It also offers a wide range of integrations with other business applications.

Example: A small service-based business can use Xero to track billable hours for different projects, generate professional invoices, and reconcile bank transactions. The payroll management feature helps streamline employee payments and tax filings.

Reference: Xero. (n.d.). Retrieved from https://www.xero.com/

3. Zoho Books: Zoho Books is a comprehensive cloud accounting solution suitable for small businesses. It offers features such as invoicing, expense tracking, bank reconciliation, inventory management, and project management. Zoho Books provides automation capabilities, such as recurring transactions and payment reminders, to save time and improve efficiency. It also integrates with other Zoho applications and third-party tools.

Example: A small consulting business can use Zoho Books to track project expenses, create invoices based on time and materials, and manage inventory if they sell physical products. The project management feature helps track project progress and associated costs.

Reference: Zoho Books. (n.d.). Retrieved from https://www.zoho.com/books/

It's important to evaluate the specific needs of your small business and compare the features, pricing, and user reviews of different cloud accounting solutions before making a decision.