Business credit is built over time, but if you haven’t started building it yet - now is the time. Your business credit profile impacts everything from the rates you’ll pay for insurance to the interest you’ll pay on a loan. It can help you negotiate better terms from vendors, giving…

Building accurate cash flow projections can feel like one part skill and one part luck. And yes, orders, inventory, staffing levels, and other key areas of your business depend upon projected sales. Cash flow is the flow of money in and out of your business. Small business owners need to balance…

No matter how much attention you pay to your budget, cash flow projections, and how closely you monitor actual results, life as a small business owner is unpredictable. There are times when your best efforts weren’t enough, or an opportunity arises you couldn’t have predicted, and you could need money…

If you own a manufacturing company, retail store, or restaurant, you’ve probably encountered a few inventory management headaches over the years. A customer is angry because you’re out of steak. You lose a long-time client because you can’t fill a rush order. Your employee doesn’t know if you have a…

For many small business owners, payroll can be a small business owner’s biggest monthly expense. Covering payroll can be make or break for your business - if you don’t pay your top performers on time, they’ll leave. And even if it’s a one-time issue, it could impact your reputation and…

Business credit cards help small business owners stay afloat. In one survey, 31% of small business owners said they had used their card to meet capital needs in the last year.The market for small business credit cards is $500 billion, and more credit card companies are working to reach small…

In the lull between the holiday season and when things pick back up, your business could run into financial difficulty. Perhaps holiday sales or credit transactions have not settled yet, but a supplier is demanding payment. Or, you failed to set aside money from previous months to cover a slight…

A business loan is a form of borrowing designed to support business purposes. A car loan allows you to buy a car, a mortgage enables you to buy a house, and a business loan could help your business grow and succeed.When you decide to apply for a business loan, you should…

When you applied for a small business loan, you probably focused upon getting the best rates and terms and worried you might not even qualify for a loan. Once approved, the feelings of relief and excitement could be overwhelming.As you are going over and thoroughly reading your loan agreement, you…

Private Business Loans for WomenWomen start more new businesses than men and account for over 36% of all companies in the United States. They are becoming entrepreneurs at higher rates than men and generating better returns. However, they can still struggle to find the capital they need to get their…