#banking

Banking

Navigate business banking, accounts, and financial services effectively

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14 август 2026 г.14 минути четене

Фалитите на малкия бизнес достигнаха десетилетен връх: защо заявленията по Подглава V скочиха със 67% и какво означава битката за лимита на дълга от $7,5 милиона за вас

Бизнес фалитите достигнаха 24 737 заявления за годината до декември 2025 г., а случаите по Подглава V скочиха с около 67% на годишна база през януари 2026 г. Това ръководство обяснява защо заявленията растат, как Подглава V се различава от традиционната Глава 11, какво означава битката за лимита на дълга от $7,5 милиона срещу $3 милиона за допустимостта и петцифреното табло, което разкрива проблеми месеци преди подаване на заявление.

Mike Thrift

small-businessbankingfinancial-management

13 август 2026 г.3 минути четене

FV Bank става първата банка с американски лиценз, която предлага сетълмент със стейбълкойни: Какво означава обединената финтех платформа от 2026 г. за малкия бизнес

FV Bank пусна обединена финтех платформа на 18 юни 2026 г. – сетълмент със стейбълкойни, попечителство на цифрови активи и програмируеми плащания в една регулирана американска банка. Научете как работят директните депозити в USDT/USDC/PYUSD.

Mike Thrift

small-businessfintechbanking

13 август 2026 г.4 минути четене

SAFE Banking възроден юни 2026: Какво означава новият законопроект за бизнеса с канабис, търсещ банково обслужване

24 юни 2026 г. SAFE Banking внесен отново (38 страници) — безопасно убежище за банки, обслужващи щатски легален канабис, плюс заеми, дебитни карти и достъп до ипотеки.

Mike Thrift

cannabisbankingcompliance

5 август 2026 г.7 минути четене

Treasury Sweep Accounts vs. Business Savings: Where Should Your Idle Cash Actually Sit?

Fintechs like Mercury and Rho now offer treasury and sweep accounts yielding 3.7%-5.4% on idle business cash, but treasury balances are typically SIPC-insured up to $500,000 while sweep-network balances stay FDIC-insured — a distinction worth understanding before moving six figures.

Mike Thrift

treasury-managementbankingfintech

4 август 2026 г.8 минути четене

Nacha's 2026 ACH Fraud Monitoring Rule: What Every Business Must Do

Nacha's Phase 2 ACH fraud monitoring rule took effect June 19, 2026, requiring nearly every business that originates ACH payments to run a documented, risk-based fraud monitoring process covering account ownership verification, change monitoring, anomaly detection, and audit trails.

Mike Thrift

paymentsfraud-preventionfraud-detection

30 юли 2026 г.8 минути четене

Should Your Point-of-Sale App Be Your Bank? A Small-Business Guide to Embedded Finance

Embedded finance grew from a $148 billion market in 2025 to roughly $197 billion in 2026, putting bank accounts, cards, and lending inside software like Shopify, Square, and Toast. Here's how these products work, what the 2024 Synapse collapse revealed about FDIC-insurance gaps, and a practical framework for splitting money between embedded products and a traditional bank.

Mike Thrift

fintechbankingbusiness-banking

30 юли 2026 г.5 минути четене

FDIC Coverage for Business Accounts: Lessons from the Small Business Bank Failure in Lenexa, Kansas

On July 18, 2026, regulators closed Small Business Bank of Lenexa, Kansas — the fourth U.S. bank failure of 2026 — with $73M in assets and $69M in deposits assumed by Farmers State Bank of Oakley. Here's how the $250,000-per-depositor, per-ownership-category FDIC limit really applies to business accounts, and how to extend coverage with multiple banks or insured cash sweeps.

Mike Thrift

bankingsmall-businesstreasury-management

29 юли 2026 г.7 минути четене

Business Savings Accounts in 2026: What Idle Cash Actually Costs You

With the Fed holding rates at 3.5%–3.75% through mid-2026, a business keeping $100,000 in a 0% checking account forgoes roughly $3,500–$4,000 a year. This guide compares top business savings APYs (Axos ~3.60%, Bluevine up to ~3.75%, Live Oak, Lili, Grasshopper), explains Insured Cash Sweep coverage beyond the $250,000 FDIC limit, and shows how to split operating, reserve, and surplus cash.

Mike Thrift

small-businessbusiness-bankingbanking

28 юли 2026 г.7 минути четене

The Swipe Fee Lawsuit That Could Backfire on Merchants: Corner Post, Regulation II, and What Small Businesses Should Do Now

A North Dakota truck stop sued to lower debit card swipe fees — and in August 2025 a federal court vacated Regulation II's 21-cent interchange cap entirely. Here's how the Corner Post case reached the Eighth Circuit, the three ways it could end, and how small businesses can prepare for fees moving in either direction.

Mike Thrift

paymentssmall-businessbanking

27 юли 2026 г.7 минути четене

Cash-Flow Lending Explained: How Relay Capital and Embedded Lenders Fund Businesses Banks Reject

Big banks reject roughly 85–87% of small business loan applications. Cash-flow lenders like Relay Capital instead underwrite 3–6 months of bank statements, approving $1,000–$250,000 term loans in minutes with funding in 1–2 days. Here's how cash-flow underwriting works, what it costs, and how to keep books a lender can actually read.

Mike Thrift

small-businessloanscash-flow

26 юли 2026 г.9 минути четене

U.S. Bank's $25 Enhanced Payments Bundle: When Paying for Faster Money Movement Actually Makes Sense

U.S. Bank's Enhanced Payments bundle charges $25/month to cut same-day ACH from $3 to $1.70, instant payments to $0.75, and domestic wires to $16. Break-even math shows it pays off at roughly 11 instant payments or 19-20 same-day ACH transactions a month — here's how to run the numbers for your business.

Mike Thrift

bankingpaymentssmall-business

26 юли 2026 г.9 минути четене

Wise vs. Payoneer for Freelancers: What Cross-Border Payments Really Cost in 2026

Wise converts at the mid-market rate for roughly 0.4%–0.6% on major pairs; Payoneer charges 1% to receive non-local currency plus up to 2% FX markup. A fee-by-fee comparison for freelancers, a use-both workflow that routes marketplace payouts through Payoneer and conversions through Wise, and how to book realized FX gains and losses.

Mike Thrift

freelancepaymentsfintech

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