[rmoskal]

My opinion, warranted by experience, is that no SMB should be in the software development business for their core systems.

The likelihood, even in 2024, is that you'll do a poor job, spend too much, and suffer along the way.

There are exceptions.

The safest course would be to evaluate the packaged systems used in your vertical and license the one that best fits your current and future needs.

That'll get you 75-80% of the way there. The rest can be made up with help from the vendor or external consultants that can tweak the system.