Not affiliated in any way with Actual Budget, but I can’t recommend it enough. It’s the FOSS version of YNAB pretty much so if you’re a fan of envelope budgeting it’s a great tool. I’d even say it has quite a few other strengths compared to YNAB (free bank syncing in the EU with more banks supported for example), and you can always be sure that your financial data stays within your reach.
It could be through. I could see it being used for a mom and pop store if they made a business version
Depending on the size of your mom and pop, I think it would do much of it. At least keep things organized to do a demo of QuickBooks or give to an accountant.