My partner and I run a small coffee bar together, and once a quarter we sit down for an honest look at the books. Rent, the green coffee contract, milk delivery, pastry supplier, the small handful of software we actually use, the one streaming service the staff room TV runs on. We have tried spreadsheets for this. We have tried a shared note app. The thing that finally stuck was a public pad open on a laptop between us, with one of us typing while the other reads aloud.
The reason the pad worked when the other tools did not is that we could both see every keystroke land in real time. There was no saving, no syncing, no version-history panic when somebody closed the tab. We could circle a number, write a question next to it, scratch the question out and write the answer, and the whole conversation stayed on the page for the next meeting to pick up.
I started keeping a short list of public pads that have lasted on the open web, because the format has turned out to be surprisingly durable. Most of them are simple: someone keeps a running draft, others drop in when they have something to add, and the document holds its shape for years. The pad I open most often for our quarterly reviews is the kind of working document I keep coming back to, and is worth a bookmark for anyone running a small business that needs a low-friction meeting record.