planning? It's not uncommon for small business owners to plan their monthly expenses with little more than a stack of pending invoices and a severely under-utilized business accounting program – clearly not the level of recordkeeping that's necessary for your business to function at peak levels...
Liquidity is a key metric for small business owners because it makes it easier to meet short-term needs and manage cash flow. It can also allow you to take advantage of investment opportunities when they arise. If your business has a healthy amount of liquidity, you’re better positioned to...
If your expenses are higher than your income, it’s a good thing you decided to make a budget! Take a look at each of your expenses to see where you might be able to cut back, from small changes like eating in more often to bigger changes like moving or finding a roommate to share...
Tracking your expenses on a regular basis can give you an accurate picture of where your money is going — and where you’d like it to go instead. Then, by using a budget, you can accurately account for all the bills you need to pay going forward. But before you start plugging numbers...
An SBA loan is backed by the Small Business Administration, an agency of the U.S. Government. Borrowers apply for an SBA loan with private lenders and are usually secured, meaning they require collateral. The three main types of SBA loans are: 7(a) Loans: SBA's primary loan program; ...
Our collection of financial documents, templates, forms, and spreadsheets includes templates designed specifically for small business owners, private individuals, or Finance Staff. Find financial projections to calculate your startup expenses, payroll costs, sales forecast, cash flow, income statement, ...
The extra two paychecks can set your business back if you haven’t prepared for the additional paychecks two times in a year Bi-monthly pay pros and cons Pros: Require 2 or 3 less processing times than bi-weekly pay No additional expenses because you will pay two times every month Less ...
small businesses around the world 4.4/5 App Store & Google Play average ratings Also available on Spend, stash, and grow cash Sign up for a free business bank account that’s FDIC-insured up to $5 million. No monthly fees or minimum balances ...
6 of the Best AI ETFs to Buy for 2025 Investing in artificial intelligence stocks via an ETF can provide growth with greater diversification. Tony DongJan. 3, 2025 2024's 10 Best-Performing Stocks The best-performing stocks of the year aren't household names, but they show...
Business term loan An unsecured lump sum loan with repayment terms of up to 10 years To provide working capital for more established businesses Business line of credit A revolving line of credit for ongoing expenses To tap into funds as needed and pay off as you go ...