Fundera
MAY 3, 2018
The healthcare sector is an amazing place for aspiring entrepreneurs to open up shop. Exploring healthcare business ideas is smart for lots of reasons. There’s an opportunity to do a world of good by serving an aging American population and helping those struggling with the national drug crisis. There are lots of new medical and technological advances, and widespread interest in health and wellness, too.
GoCardless
MAY 29, 2018
As an accountant you can help clients understand and find business finance options that fit their needs. Let’s take a look at the key facts you and your client should know when looking for finance.
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Fundera
MAY 2, 2018
As a new small business owner, you have to figure out a lot of things you’ve never done before. One of them includes how to create a business budget—and that can be insanely intimidating, especially when you’re only starting out. How, exactly, do you know where to find the right financial information, let alone learn the business finance terminology , and put all the data together in the right order?
Fundera
MAY 10, 2018
If you’re serious about running and growing your small business, you’ll want to set up a business bank account ASAP so you can start managing your finances (and, eventually, apply for a small business loan ). But when you start searching for a bank to work with, you’ll quickly realize that finding the right small business bank is easier said than done: It takes more than just knocking on the door of the bank nearest your business.
Fundera
MAY 4, 2018
If you’re starting your small business, you’re in the midst of a lot of big first steps: picking out an amazing name, getting an EIN from the IRS, and filling out about a carton of paper’s worth of forms. And once you’ve gotten past these not-glamorous-but-essential hurdles, there’s still more work to be done in order to get your company off the ground—namely, figuring out the best place to open a business checking account.
Fundera
MAY 19, 2018
Having an online presence as a small business owner as never been more important—and that includes a Facebook Business Page. Facebook continues to be the most popular social media network with 79% of US users regularly using Facebook , according to a 2016 PEW survey. One-third of Facebook users also engage with brands regularly while online, so if you don’t have a presence there yet, there’s no better time to figure out how to make a business Facebook page. .
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Fundera
MAY 4, 2018
Loan stacking, which is when a borrower takes out multiple business loans from different lenders at the same time, is becoming increasingly common. The percentage of borrowers who stacked loans doubled between 2013 and 2015. And that number continues to grow. Since the 2008 recession, banks have cut down on lending to small business owners. In response, many are stacking two—or sometimes even three or more—loans from online lenders to start and grow their businesses.
Fundera
MAY 28, 2018
Most of the country is just beginning to feel sunshine and higher temps, which might give enterprising people seasonal business ideas for warm weather—the time of year when customers are out and about, looking for bit of sunshine in their lives after a long and dreary winter. If you’re in a seasonal business , you know exactly what we’re talking about: Your ice cream shop is jammed with customers, or maybe your taco truck’s seeing lines around the block for the lunch crunch.
Fundera
MAY 15, 2018
You might be driving a rideshare service like Uber or Lyft for your main income, or your side hustle. But as long as you’re depending on driving to bring in money, you might as well be making those miles work harder for you. Believe it or not, there are more ways beyond driving that enable you as a contract worker to increase your earnings. As a driver, you can do a lot of creative and innovative tricks to bring home money, without having to sacrifice the time it takes to drive.
Fundera
MAY 23, 2018
There are so many driving factors behind the search for a small business loan , but the most common of them all is to get access to cash so you can nurture your business. If you’re low on cash, it makes a lot of sense that you’d want to apply for financing. So, you’re probably wondering how to get a business loan with no money—if that’s even a possibility. .
Fundera
MAY 11, 2018
Being an entrepreneur is always challenging, but it can be especially difficult if you start building your business at a young age. Young entrepreneurs face unique hurdles like creating a company with less work and life experience under their belt. If you’re a young entrepreneur, you may also struggle with being taken less seriously by older peers in the industry.
Fundera
MAY 30, 2018
Maybe you started your home business as a side hustle, or as a bold first step toward 9-to-5 freedom. So, to make certain that you’re running your business to the best of your ability, you’ll need to make sure you have a full toolkit—which includes the best home business accounting software for all of your bookkeeping needs. Finding business accounting software is a lot less glamorous than building your website, running your first marketing campaign, or, you know, doing the work you care about.
Fundera
MAY 18, 2018
Before you commit to a business loan , you should know what the debt you’ll be taking on will help your business accomplish. Whether you want to launch a new product, open another storefront, or hire a new employee, the loan has to help your business grow and increase your company’s profits. Otherwise, the loan simply isn’t worth the cost. This is what makes cost of debt such an important concept.
Fundera
MAY 12, 2018
The great news for small business owners is that, according to the Kauffman Foundation’s 2018 State of Entrepreneurship report, the outlook for the future of small business remains optimistic as ever. Figures show that entrepreneurs continue to view their business performance positively. Eighty-eight percent of those running startups up to five years old predict their business will continue performing well throughout 2018; and that stat’s at 81% for business owners with companies older th
Fundera
MAY 24, 2018
If you own a seasonal business—such as a tax preparation office, a lawn-care service, or a vacation resort—the revenue you make during your busy period has to cover your expenses throughout the entire year. That means running a lean, disciplined operation even when the money is pouring in, and making sure there’s enough cash left over when customers stop calling.
Fundera
MAY 7, 2018
When you think of Connecticut, you might think of fall foliage, Gilmore Girls , big casinos, Mark Twain, Mystic Pizza , Yale University, country clubs, and commuters (and, if you’re Senator Chris Murphy, pizza to rival New York’s City’s ). You might not think of Connecticut as a great state to start a small business—but you absolutely should. .
Fundera
MAY 3, 2018
If you’ve ever applied to borrow money for a car loan a mortgage, or applied for a credit card, you’re well aware that you have a credit score. Although we refer to our credit score as one number out of 850 points , you may or may not know that you actually have different credit scores—three credit scores, actually. Yep, that’s confusing—but it’s true.
Fundera
MAY 15, 2018
Sometimes as a small business owner, you need cash faster than a traditional lender can approve your business loan application. In that case, you’ll want to look into cash flow loans for small business, which can put cash in your hand in just a couple of days. Unlike asset-based loans, which require assets for collateral , cash advance loans for small business are approved solely on the basis of your company’s cash flow (past and future projections).
Fundera
MAY 18, 2018
As a small business owner, figuring out the ideal time to pay your employees is a matter of survival. It seems to make sense, then, that you should choose a payroll schedule that corresponds with your cash flow. Shouldn’t you pay your team when you have the most cash? Unfortunately, it’s not quite that simple. Although the premise is grounded in sound logic, the basics of small business bookkeeping don’t allow you, as a small business owner, to make a choice so seamlessly when it comes to
Fundera
MAY 18, 2018
Before you commit to a business loan , you should know what the debt you’ll be taking on will help your business accomplish. Whether you want to launch a new product, open another storefront, or hire a new employee, the loan has to help your business grow and increase your company’s profits. Otherwise, the loan simply isn’t worth the cost. This is what makes cost of debt such an important concept.
GoCardless
MAY 1, 2018
Setting up a gym is hard work, and there are lots of obstacles you’ll need to conquer to succeed. But, once you’ve cleared the first hurdle, it’s time to think about business growth.
GoCardless
MAY 3, 2018
A practical guide to the different payment methods that investment platforms, savings accounts and apps can offer their customers - and the pros and cons of each.
Fundera
MAY 27, 2018
Selling products and services online allows business owners to reach a much larger audience than they could with just a brick-and-mortar location. Although casting a wider net can lead to sales growth, it can also increase a business owner’s liability. If a customer is unhappy with a business owner’s services, or injured by a defective product, the customer could sue.
Fundera
MAY 26, 2018
Every small business experiences financial upswings and downturns. Ideally, you’ll experience more of the former than the latter—but you also know that the reality isn’t always perfect. So, when funds are drying up, and you don’t have the financial bandwidth to cover your employees, payroll loans can be life savers. Of course, it’s absolutely crucial that you make paying your employees a priority, no matter what.
Fundera
MAY 25, 2018
If you’re a shop owner who has to balance ebbing and flowing demand, stock orders, difficult customers , and invoices with short deadlines, you already know how challenging it can be to keep your store up and running from one month to the next. But what you might not know is that there are financial options, including specific retail business loans, to help you stay afloat.
Fundera
MAY 18, 2018
As a small business owner, figuring out the ideal time to pay your employees is a matter of survival. It seems to make sense, then, to choose a payroll structure that corresponds with your cash flow: You have the most money, so you should pay your team when you have cash. Unfortunately, it’s not quite that simple. Although the premise is grounded in sound logic, the basics of small business bookkeeping don’t allow you as a small business owner to make a choice so seamlessly on how to choose a pa
Fundera
MAY 10, 2018
How many of us really like dealing with the nitty-gritty of running the bookkeeping operations of our companies? Unless you’ve got a passion for numbers (or you’re the founder of an accounting startup), you probably look at accounting as the least engaging, most time-consuming part of your day-to-day as an entrepreneur. But just because you might battle with your business accounting software doesn’t mean you get a pass on using it.
Fundera
MAY 29, 2018
As a small business owner, you know your business doesn’t pay for goods and services the same way that consumers do. You’re likely accustomed to trade credit, or perhaps what you know as “net terms” on your invoices. Trade credit is a frequent practice in most B2B commerce, and an expected business standard for many companies.
Fundera
MAY 21, 2018
If you’re constantly flying with JetBlue for business, then you might be considering upgrading your experience by doing your spending with the JetBlue Business Card. This business travel credit card is one of the three Barclays business credit cards that offer airline-specific travel rewards for your business spending. And, yes! With the JetBlue Business Card in your wallet, you’ll be able to travel in style—if and only if you’re traveling with JetBlue specifically , that is.
Fundera
MAY 19, 2018
It’s Friday night, and you’re out with your friends after a long week of work. Then a cool idea hits you—what if you opened your own bar and became the captain of your own party boat? Although it’s fun to think about, cash would be the biggest obstacle. You might not even know where to start to get funding for a bar. Bars have higher startup costs than most people think.
Fundera
MAY 14, 2018
Congratulations on opening your retail store! Whether you have a traditional brick-and-mortar operation, or you’re going all in with an online store—or, more likely than not, a combo of the two—retail lends itself especially well to scaling and delegation. This allows you, the business owner, to enjoy the profits from your business without having to be entrenched in the day-to-day operations of the store.
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