HOW DO I USE QUICKEN HOME BUSINESS 2020 TO DO ACCRUAL

Your question seems too general, making it difficult to provide a useful answer.

Here is one definition of "accrual accounting".

"Accrual accounting is an accounting method where revenue or expenses are recorded when a transaction occurs rather than when payment is received or made. ... Cash accounting is the other accounting method, which recognizes transactions only when payment is exchanged."

Quicken allows the user to choose whether "reports" will employ the accrual method or the cash method. See Edit > Preferences > Reports and Graphs > Use Cash-basis reporting if applicable. Uncheck that box to use the "accrual-basis" for applicable Quicken reports/graphs (not all Quicken reports/graphs offer the "basis" distinction).

[You can also override the Quicken file-level preference for basis in each report that utilizes basis: see the "Report basis" option on the Advanced tab of the report Customize dialog.]

I believe that typically a user employs Customer and Vendor Invoices to record business income and business expenses. When the accrual-basis is used, income and expenses will be reported when invoices are recorded in Quicken. When the cash-basis is used, income and expenses will be reported when the invoices are paid.