Fundera
OCTOBER 16, 2018
How to Find and Pick a Business Attorney in 5 Steps. Determine why you need a business attorney. Source attorneys through your network or legal directories. Compare attorneys by asking the right questions. Work out a fee arrangement that fits your budget. Know when it’s okay to skip the lawyer. If you run a small business, one of your biggest fears is probably getting sued.
GoCardless
OCTOBER 15, 2018
For accountants, getting to grips with cash flow allows you to lead by example and become a trusted adviser to your clients. In this guide we take you through 5 steps to healthy cash flow for you and your clients.
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Fundera
OCTOBER 17, 2018
Many individuals looking to start a new business or earn extra income turn to cleaning businesses due to the promise of low overhead, absence of many typical operating costs, and reliable demand. Cleaning services tend to have lower up-front costs than other ventures, and this is one of the few businesses you can start operating quickly with little capital, provided you’re willing to work hard for modest profit and gradual gains.
Fundera
OCTOBER 19, 2018
If you’re starting a business or are already a small business owner, you may be wondering which type of business structure will help you achieve success. You have likely had to adapt to changes as your business has grown and are ready to take the next steps. With so many different kinds of business entities out there with different benefits, it can be hard to determine if you need an LLC.
Fundera
OCTOBER 18, 2018
What Are Merchant Services? Merchant services are essentially any services your business uses to accept and process payments from your customers. Historically speaking, the merchant services definition only encompassed the services required to accept credit cards. However, as payment technology has evolved, so too have business practices and customer preferences.
Fundera
OCTOBER 13, 2018
How Do You Calculate the Accounts Receivable Turnover Ratio? The accounts receivable turnover is a ratio that is used to calculate just how effective a company is at extending credits and collecting debts. It can be calculated by dividing net credit sales by average accounts receivable and is typically calculated on an annual basis. Accounts receivable turnover sounds like one of those complex accounting concepts that can make your head spin, but understanding and using the concept to improve yo
Credit Management Source brings together the best content for credit management professionals from the widest variety of industry thought leaders.
Fundera
OCTOBER 15, 2018
What Is the Net Working Capital Formula? To find your total working capital, use the net working capital formula, which is simply: Your business’s current assets – your business’s current liabilities. A positive number for your net working capital calculation shows that your company has enough cash and other liquid assets to cover short-term debts and expenses.
Fundera
OCTOBER 15, 2018
What Is an ACH Deposit? An ACH deposit is an electronic, automatic transfer of payments between banks. “ACH” stands for Automated Clearing House, a U.S. financial network that manages and oversees these transactions. The ACH network itself is regulated by the federal government and the National Automated Clearing House Association (NACHA). If you’ve ever paid a friend on Venmo, purchased an item through PayPal, paid your cable bill online, or if your (former) employer deposited your wages direct
Fundera
OCTOBER 14, 2018
What Is a Resale Certificate? A resale certificate is a document that allows retailers to purchase goods for resale without having to pay local sales tax for those items. With a resale certificate, it’s the seller’s responsibility to collect the appropriate sales tax from the customer when you sell the items. Without a resale certificate, the purchaser must pay sales tax on the items they intend to resell.
Fundera
OCTOBER 18, 2018
Starting a small business can be an intimidating process. You’ve got to come up with a business strategy, solicit customers, and manage short- and long-term finances. Trudging through the paperwork, forms, and registration steps to legally set up your business can be even more frustrating. The advantages of sole proprietorships might be a great option for you, depending on how you want to set up your company.
Fundera
OCTOBER 16, 2018
If you’re on the hunt for the perfect way to upgrade your business’s checkout process, Square point of sale systems can easily catch your eye. With their sleek design and heightened capabilities, Square POS systems have become a fixture in the small business point of sale market. But what Square fees and rates will you have to pay for access to such an upgrade?
Fundera
OCTOBER 19, 2018
In every business budget, you’ll find certain expenses that can change dramatically from month to month. These are variable expenses, and they make up a large portion of small business spending (unlike fixed costs , which remain the same each month). The fluctuating amounts behind variable expenses makes planning for them in your business budget hard—but not impossible.
Fundera
OCTOBER 15, 2018
As a small business owner, you’re always on the lookout for ways to save money—and a popular way to free up your cash flow is to refinance your outstanding debt with a loan with more manageable terms. You might be aware that SBA 7(a) loans have some of the lowest rates and most generous payback periods on the market. This begs the question: Can you refinance debt with an SBA loan ?
Fundera
OCTOBER 13, 2018
When you’re running a small business, you likely dedicate a lot of careful attention into making a sale. Whether you’re selling a good or a service, you’re likely pouring a lot of your business’s resources into achieving that moment when a customer pays your business for whatever you offer. What point of sale system can make sure that each moment of payment will be fully optimized, every single time?
Fundera
OCTOBER 16, 2018
As a business owner, having the right bank account is crucial. A business bank account allows you to separate your company’s finances from your own, making record-keeping and financial management easier, and helps build your business’s credibility. You need a business checking account to do everything from paying your expenses to depositing money and stashing it away for the future.
Fundera
OCTOBER 15, 2018
Credit and debit cards make shopping more convenient for several reasons: Fewer people carry cash these days, some prefer online shopping, and others simply like the ease of use of a credit card. As a result, many consumers find spending easier with cashless payments. Market reports also show that credit card usage continues to grow in spite of increasing interest rates.
Fundera
OCTOBER 19, 2018
As part of the rigorous SBA loan application process, the SBA and your intermediary lender don’t only evaluate your business’s financials and your plans for the loan; they also evaluate the business owner and its principals’ personal characters. SBA Form 1919, the Borrower Information Form, plays a major role in that assessment. As you likely know, SBA loans are disbursed by banks or other partner lenders, but they’re backed by the U.S.
Fundera
OCTOBER 17, 2018
What Is the Aloha POS System? The Aloha POS system is one of the most widely used restaurant POS systems in the industry. The Aloha POS offers three terminal options, along with multiple mobile POS options for you to choose from. Unfortunately, to access information on Aloha prices, you’ll need to ask for a demo from their sales team. That said, many Aloha POS reviews from customers cite steep prices as one of the biggest downsides of this POS option.
Fundera
OCTOBER 17, 2018
Part of the U.S. Small Business Administration’s stated mission is to “aid, counsel, assist, and protect the interests of small business concerns.” But to live up to that mission, the SBA needs to ensure that the concerns they’re supporting—either through their SBA loan program or the many other initiatives they spearhead—are definitively small. That’s the job of SBA Form 355. .
Fundera
OCTOBER 14, 2018
As you search for the right point of sale system for your small business, you might immediately turn to your fellow business owners’ opinions to inform your decision. If this sounds like you, then you should start your search with the ShopKeep POS system. ShopKeep reviews from small business customers are some of the best out there. Generally speaking, ShopKeep’s customers are happy ones, and they certainly like sharing the success they’ve had with these POS systems.
Fundera
OCTOBER 13, 2018
As you grow your business and reach more and more customers, you’ll need to begin setting up systems for accepting diverse forms of payments. Whether you simply want to begin accepting credit card payments or you want to optimize and update systems that you already have, you’ll need to look into your merchant services options, one of which is Bank of America merchant services.
Fundera
OCTOBER 18, 2018
Many people have dreams of becoming a business owner, but aren’t sure where to begin. If you have an entrepreneurial spirit but don’t necessarily want to start a business from the ground up, looking into low cost franchises is an opportunity worth considering. It’s one of the easiest ways to break into business ownership, giving aspiring entrepreneurs the chance to make their business dreams a reality without the challenges of starting from scratch.
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