Fundera
JULY 4, 2018
Here’s a staggering stat: 48% of overall growth of US business ownership in 2000 to 2013 was attributed to immigrant business owners. Pair that with the statistic that the percentage of self-employed immigrants in the US more than doubled between 1994 and 2015, and it seems to follow that there’s limitless potential for the impact that immigrants can make on the small business landscape.
Fundera
JULY 3, 2018
When Moishe Mayer of The Wine Cave isn’t next to the wine he loves, he loves the wine he’s next to. This kind of passion is exactly what’s needed if you’re considering swapping a life of stable, recurring paychecks for an arduous, entrepreneurial path complete with razor-thin profit margins. But learning to swallow down grim statistics is among the first lessons on your path toward learning how to open a liquor store.
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Fundera
JULY 6, 2018
You’ve poured your heart and soul into building your business. And, when time permitted, you’ve done your best to create a coherent marketing plan for your business. But unless you’re a modern Don Draper in addition to being a busy entrepreneur, you likely aren’t totally satisfied with what you’ve come up with. Or, even worse, you have no idea where to begin, and don’t have the money to make mistakes.
Fundera
JULY 1, 2018
The costs of launching a business can be steep for any entrepreneur—especially if you’re looking to hire additional help. Businesses that hire traditional W2 employees to fill this need will also need to take into account extra costs that can impact their business development plans. They’ll often have to factor in health and benefits plans, FICA and withholding taxes, training, and more.
Fundera
JULY 4, 2018
In lots of parts of the US, it’s hot—extremely hot. And for summer-seasonal businesses that specialize when the weather is at its most scorching—ice cream parlors, beach vendors, and shave ice carts, for instance—business is absolutely booming. But not every business thrives when the temperatures soar. Specifically, winter- seasonal businesses need to make contingency plans to help with the cash-flow doldrums during their off season.
Fundera
JULY 5, 2018
You might be looking into a secured vs. prepaid business credit card if you’re struggling with your credit score, or trying to figure out which is best to build credit history. Both cards are excellent options for business owners—but each has ideal uses for different scenarios. And you’ll want to figure out which situation you’re in before you choose.
Credit Management Source brings together the best content for credit management professionals from the widest variety of industry thought leaders.
Fundera
JULY 2, 2018
Online banking provides perhaps the simplest, most intuitive way to manage your finances. These banks harness the industrial-strength power and backing of large financial services firms, but layer on top their own user-friendly and tech-forward design. Given the perks and simplicity of online-only banking, you might be interested in opening a Simple Bank business account.
Fundera
JUNE 30, 2018
There are few things you can count on as a small business owner—but one thing that’s for sure is paperwork, especially if you’re applying for an SBA loan. Applications for these highly coveted business loans not only require a long list of documents from your personal financial records, but also include their own specific forms, too. Among them is SBA Form 159, which you’ll need to get your SBA loan approved and underwritten.
Fundera
JULY 2, 2018
The concept of collateral is practically as old as time. Ancient Greeks and Ancient Romans were borrowing against property way back when, and Shakespeare even picks apart this practice in The Merchant of Venice. (Yes, we said Shakespeare.) Offering up property to convince a lender to allow you to borrow money is, essentially, as much of the human condition as eating, sleeping, and breathing.
Fundera
JULY 5, 2018
Sales tax is neither sexy nor scintillating. In fact, most of us only think about sales tax in depth when we’re setting up our retail businesses or when something has gone wrong in the process. When you get the stressful and unwelcome realization that you have a sales tax issue , you might feel like you’re completely alone in your troubles. That’s false, though.
Fundera
JULY 1, 2018
Think payroll is just about paying your workers? Although most people see payroll as a transactional affair—payment for a job performed—it’s actually more important that that. Payroll can actually have a much broader impact on your business’s overall health, driving employee morale, productivity, and even turnover rates. The key is to understand the unexpected connection between payroll and your workers’ job satisfaction.
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