Ask HN: Best startup accounting software?

I'm looking for some great web-based accounting software and am coming up empty. Sure, there's Outright, InDinero and other "accounting" services, but they don't have anywhere near the functionality for real, QuickBooks-killing, accounting software. I'm talking about software a real accountant wouldn't sneeze at.

Specifically, I need non-cash accounts to track loans/debt from investors. All the web software I find are trying to make accounting trivial by removing 95% of the functionality, leaving only checking account expense tracking. This is great for some I'm sure, but I need true "QuickBooks online that doesn't suck" type of software.

I'm not saying online accounting software needs to be complicated, but in order to disrupt QuickBooks, it needs that functionality.