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Key Takeaways: Key Features to Look for in a Small Business Bank: Small business owners should prioritize customer service, security, competitive rates, and comprehensive features like checking, savings, loans, and mobile banking capabilities when choosing a bank. Types of Banks: The article compares neobanks, national banks, regional banks, and credit unions, emphasizing their suitability […] The post The 10 Best Banks for Small Businesses in 2025 appeared first on FundThrough.
According to data from the Administrative Office of the U.S. Courts , commercial bankruptcy filings increased 40.3% in the 12-months ending June 30, 2024. Since then the U.S. has gone through a tumultuous change in presidential administrations resulting in enormous government layoffs and economic instability driven by a novel approach to tariffs. In response, the stock market is 18 percent off its 52-week highs—a strong harbinger of recession in the coming months.
A Q&A on Fixing the O2C Process in APAC The way businesses buy is changing, and if your Order-to-Cash (O2C) process isnt keeping up, youre making it harder for customers to do business with you. 87% of buyers want a B2C-like purchasing experience and 90% expect suppliers to understand their unique needs and expectations. The easier you make it for them to purchase, the more likely they are to keep coming back.
This article covers these key topics: The difference between 1D and 2D risk rating models How CECL has impacted the necessity of a dual approach Why the LGD variable is so difficult to pinpoint Does your risk rating framework align with your CECL needs? More banks are rethinking the value of two-dimensional (2D) risk rating models as CECL and real-world challenges with LGD raise questions about their practicality.
Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.
As women age, the importance of self-care becomes more crucial, not just for emotional well-being but for financial health , too. Many women over 35 juggle the pressures of career, family, and personal expectations, often sidelining their own needs. However, prioritizing wellness through practices like retreats, education, and preventive healthcare will save money in the long run by reducing healthcare costs, preventing chronic conditions, and improving productivity.
Shes an Olympian, a record-breaker, a marathon runner, and, believe it or not, a medical biology graduate. But thats not all. Christine Toonstra is also a technical Consultant at Onguard! From the Olympic track to technical consulting Before she started working at Onguard; before she ever wrote a single line of code or started solving complex customer challenges, Christine was chasing something else: Records.
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Shes an Olympian, a record-breaker, a marathon runner, and, believe it or not, a medical biology graduate. But thats not all. Christine Toonstra is also a technical Consultant at Onguard! From the Olympic track to technical consulting Before she started working at Onguard; before she ever wrote a single line of code or started solving complex customer challenges, Christine was chasing something else: Records.
Invoice Factoring vs MCA Loans: Which is the best for easy access to working capital in 2025? In today’s ever-changing economy, small business owners have several alternative business financing options , each with distinct features and implications. Two of the most popular business funding sources are Merchant Cash Advances (MCAs) and Invoice Factoring.
This article covers these key topics: Hindrances to sound loan review scoping What loan review should be able to do How to stop scoping like it's 1985 Bringing your loan review scope into 2025 Determining the scope of a financial institutions loan review is the foundation of an effective loan review process. No matter how skilled your analysts are, if you arent looking at the right data, you are not adding valueyou may just be restating the obvious.
Those of us whove spent many years working remotely have daydreamed more than a few times about working from a beachside cafe while managing clients. It sounds idyllic until tax season comes along. Digital nomads face unique challenges when handling money, whether its international banking, tax confusion, or too many currencies. If you are a location-independent professional, your financial headaches need solutions, regardless of where you wake up tomorrow morning.
As a CFO in the Consumer-Packaged Goods (CPG) sector, you’re navigating one of the most competitive, fast-moving, and margin-sensitive industries on the planet. Demand swings, retailer pressure, global supply chain disruption, promotional volatility and all under the unrelenting mandate to deliver shareholder value. Amidst this chaos, the 2025 Finance Technology Bullseye Report from Gartner signals a new era for finance leaders: Autonomous Finance is not just a buzzword , its the centrepie
The clip below is probably AI generated but is quite wonderful and is going relentless viral online Of course few factories that return will be anything other than automated and frankly with lead times for building plants exceeding two to three years, its going to be a brave business that wishes to invest in what is now a dysfunctional and grossly unstable economy.
As a B2B vendor, implementing real-time payments can significantly enhance your business operations and financial health. Real-time payments enhance liquidity through immediate fund access, enabling optimized working capital and reduced cash buffers, while operational efficiency improves via automated reconciliation and reduced administrative tasks.
Did you know that 41% of B2B sales delays are due to inefficient credit order hold processes? Too often, these holds act as bureaucratic speed bumpsnecessary, but frustrating. But what if they could be something more? What if, rather than slowing business down, they could enhance operational efficiency, improve customer satisfaction and serve as a gateway to scalable growth?
Reading Time: 4 minutes Small business lending is booming. According to the March 2025 Unsecured Business Loans – Global Strategic Business Report from Research and Markets, the global market for unsecured business loans is valued at $5.5 trillion in 2024. Steady growth is expected, with projections showing that the unsecured business loan market could reach $9.3 trillion by 2030.
In today's fast-paced business landscape, staying informed about your company's financial health isn't just beneficialit's crucial. However, the challenge often lies in navigating the sea of data and turning it into actionable insights.
A new study by FIS and Oxford Economics reveals that businesses lose an average of $98.5 million annually due to financial inefficiencies, cyberthreats, fraud, and regulatory complexities. The research surveyed over 1,000 executives across six industries in the U.S., U.K., and Singapore, highlighting the profound impact of disharmony within organizations' financial lifecycles.
Did you know that 41% of B2B sales delays are due to inefficient credit order hold processes? Too often, these holds act as bureaucratic speed bumpsnecessary, but frustrating. But what if they could be something more? What if, rather than slowing business down, they could enhance operational efficiency, improve customer satisfaction and serve as a gateway to scalable growth?
Martin Sjolund appointed President and Chief Executive Officer, effective June 17, 2025. Vikram Atal to serve as senior advisor through December 31, 2025. NORFOLK, Va., April 7, 2025 PRA Group, Inc. (Nasdaq: PRAA), a global leader in acquiring and collecting nonperforming loans, today announced that its Board of Directors has appointed President of PRA Group Europe Martin Sjolund to serve as President and Chief Executive Officer (CEO), effective June 17, 2025.
Why the vendor matters in technology adoption Technology can deliver long-term value when a vendor and its employees bring not only technical expertise but also implementation guidance, regulatory awareness, and a collaborative approach to problem-solving. Key topics covered in this post: Buying software: The benefits of partnership Setting up the financial institution for success Helping software users in an ever-changing environment Advisory & product support builds trust Benefits of a ve
From a Press Release Dated April 10, 2025, Schaumburg, Illinois Bectran, an accounts receivable management technology provider, has launched a new integration with Cobalt to enable real-time IRS-based Tax Identification Number (TIN) verification directly within its platform. This integration allows businesses to instantly validate Federal Tax Identification Numbers (TINs), including Employer Identification Numbers (EINs), against official IRS records, streamlining the credit approval and account
The potential implementation of tariffs presents significant economic risks that may be overlooked in the current bullish market environment. Historical evidence and economic principles suggest that tariffs can have far-reaching negative consequences despite their intended benefits. Historical Context: The Smoot-Hawley Tariff Act In 1930, the United States implemented the Smoot-Hawley Tariff Act to protect American jobs.
Arum Global, a leading provider of collections and recoveries transformation services, has joined the Receivables Management Association International (RMAI) as part of its strategic expansion in the United States. This membership marks a further step in Arum Globals international growth journey and supports its ongoing commitment to industry best practices in the receivables management sector.
The accounting industry is changing fast. Emerging tech, shifting client expectations, and new service models are reshaping how firms operate and scale. To stay ahead, accountants must think beyond the numbers and reimagine how they deliver value. In our Greater than the Sum interview series, financial experts, accountants, and bookkeepers Tal Schwartz, Jami Monte, Omar Visram, and Ryan Lazanis shared their playbooks for managing clients, scaling your firm, and staying sane in the process.
Die Mehrwertsteuer-Compliance in der EU steht vor groen Vernderungen. Der Vorschlag Mehrwertsteuer im digitalen Zeitalter (ViDA) wurde vom Rat ,,Wirtschaft und Finanzen (ECOFIN-Rat) offiziell angenommen und schafft damit die Voraussetzungen fr eine umfassende berarbeitung der Mehrwertsteuerabwicklung in der gesamten EU. Fr multinationale Unternehmen ist ViDA nicht nur eine weitere regulatorische Neuerung es ist ein Wandel, der die Rechnungsstellung, die Steuerberichterstattung und die Complianc
Retirement planning involves numerous facets, from investment strategies to healthcare costs, but one often underestimated area is energy consumption. As you approach retirement, making informed choices about energy usage and costs can significantly impact your budget and overall financial health. Reducing your energy expenses can free up funds to bolster your retirement savings and enhance your financial security.
First example of what unfortunately could be many financing deals adversely affected by Trumps disastrous tariffs. A couple of weeks ago I was passed a very decent lead for a jewellery exporter looking for invoice finance. Yes, you’ve guessed it. 90% of their market was in the USA Now he’s put the potential facility “on hold” We haven’t discussed the reasons in depth but its pretty clear that this is the issue.
Often, retirement planning conjures up images of relaxation and financial stability. However, a number of factors can affect your retirement savings, including seemingly distant economic policies. Tariffs are one such factor. Many people, especially in or near retirement, are concerned about the recent focus on tariffs involving major trading partners like Canada , Mexico, China , and the EU.
A homeowner recently shared his experience with how tariffs directly affected his home improvement plans, illustrating the broader economic impact these trade policies can have on everyday consumers. The story begins with a deck that needs repair. Last fall, the homeowner contacted a contractor who provided an estimate of $18,000 to resurface the deck.
US stock markets plunged on Sunday after news of new US tariffs. President Trump and his administration said that markets may need to take medicine. Trump also noted that tariffs are already in effect, and a beautiful thing to behold. Trump Says Markets May Have to Take Medicine While there certainly are mixed reviews of Trumps economic plans, his administration stands by Trumps decisions.
Its time to talk about retirement. This isnt the idyllic beachside paradise we all envision. Its the nitty-gritty, practical side of securing your financial future. In this arena, women face unique challenges. Caregiving breaks, longer lifespans, and the persistent gender pay gap all play a part. Its here that annuities come into play a financial tool that, while sometimes overlooked, can make or break a womans future.
Recent claims about foreign tariffs on US goods have sparked controversy and market volatility. An analysis reveals significant discrepancies between the tariff rates presented by President Trump and the actual rates documented by the World Trade Organization (WTO). The core issue centers around the shock and awe tariffs that other countries allegedly impose on the United States.
After Liberation Day the stock market plummeted due to high tariffs by President Donald Trump. According to some experts. about $6 trillion was lost by this stock decline. While its impossible to know exactly what the future holds, many are bracing for a recession. Consumer Outlook Shifts Towards Recession The Liberation Day tariffs resulted in the S&P 500 dropping 4.8%.
A dramatic market event unfolded recently, showcasing how quickly stock prices fluctuate based on informationor misinformation. The S&P 500 experienced extreme volatility, with trillions in market value vanishing and reappearing within minutes. The Market Rollercoaster Timeline The day began with immediate trouble as the S&P 500 opened 3.4% lower at 9:30 AM.
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