Do it now. Then buy QuickBooks. Then learn how to use QuickBooks. Pay the $10/mo bank fee to download your transactions to QuickBooks. QuickBooks software is an amazing value.
Accounting for a seven figures business takes 30 minutes or less per day with good accounting practices. This includes paying bills, invoicing, and incidentals. For a four, five, or six figures business, it should take less.
Learn good accounting practices now. There are tons of reputable YouTube QuickBooks tutorials and plenty of QuickBooks experts and training available. Embrace QuickBooks now. It will be one less headache when it comes time for expansion.
When it's time for a loan, you'll have a gorgeous P&L sheet to show off with your (dedicated) bank account statements and highest account balance. You'll be able to pick up the machine that will change the course of your life.
When it's time to hire a controller or a contract accountant/CPA/law firm, you won't need to pay to unfuck your embarrassing spreadsheet. As an added bonus, you'll know how to check their work.
When it's time to do taxes, it will take only a few clicks as you already made your QEP on time and on target based on projections from good accounting practices.
When it's time to buy a building, the commerical real estate loan broker will be grateful for your exquisite presentation. The commerical real estate loan broker is your friend.