#small-business

Малък бизнес

Стратегии и инструменти за финансово управление за малкия бизнес

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25 юли 2026 г.

The SECURE 2.0 Startup 401(k) Tax Credit: How to Claim Up to $15,000 for Launching a Retirement Plan

SECURE 2.0 gives small employers three stackable federal tax credits for starting a retirement plan — up to $5,000 per year for three years in startup costs, up to $1,000 per eligible employee in contribution credits, and a flat $500 per year for auto-enrollment — all claimed on IRS Form 8881. Here's who qualifies, how the five-year phasedown works, and how the credits compare against state auto-IRA mandates in 2026.

mike

tax-creditsretirement-planssmall-business

25 юли 2026 г.

TikTok Shop Seller Bookkeeping: Where Your Fees and Creator Commissions Actually Go

TikTok Shop's visible 6% referral fee becomes an effective 25-30% take once creator commissions (category medians 8-20%), Fulfilled by TikTok charges ($2.86-$4.28 per unit), and refund admin fees stack up. How US sellers should book gross revenue, each fee category, and marketplace payouts using accrual accounting.

mike

e-commercebookkeepingsmall-business

24 юли 2026 г.

Bad Debt and Uncollectible Receivables: When to Write Off, How to Prove Worthlessness Under Section 166, and Why Cash-Basis Businesses Can't Deduct Unpaid Invoices

An unpaid invoice isn't automatically a deduction for cash-basis businesses and worthlessness must be proven in the year claimed — document business character, collection efforts, and the specific charge-off before December 31.

mike

tax-compliancesmall-businessfinance

23 юли 2026 г.

Health Insurance Deduction for Self-Employed in 2026: How Schedule 1 Above-the-Line, ICHRA, and QSEHRA Interact With the Premium Tax Credit

Deduct premiums on Schedule 1, get reimbursed via ICHRA/QSEHRA, or take the premium tax credit — never two for the same dollar. Master the month-by-month coordination and circular math that prevents double benefits.

mike

tax-compliancesmall-businessfinance

23 юли 2026 г.

SBA's 2026 Citizenship Rule: What Non-Citizen Business Owners Can Do Now

As of March 1, 2026, SBA 7(a), 504, Microloan, and Surety Bond programs require 100% U.S. citizen or national ownership (with a 5% carve-out), ending green card holder eligibility. Here's who is affected and the financing alternatives — conventional loans, CDFIs, ITIN lending, and revenue-based funding.

mike

sbasba-loansimmigration

22 юли 2026 г.

AI Agents Are a Workforce, Not a Software Expense: A Small Business Budgeting Guide

Organizations now manage 109 machine identities per human employee, and small-business AI stacks run $100–$5,000 a month before hidden integration costs add 30–50% more. This guide explains why usage-based AI agents break traditional software budgets and lays out a three-step framework — discovery pass, dedicated chart-of-accounts category, quarterly review — to keep AI labor costs visible.

mike

aismall-businessbudgeting

22 юли 2026 г.

Australia's Instant Asset Write-Off: The $20,000 'Permanent' Threshold That Isn't Law Yet

Australia's May 2026 Budget proposed making the $20,000 instant asset write-off permanent from 1 July 2026, but until the enabling Bill passes Parliament the legislated threshold reverts to $1,000 per asset. What qualifies, the car-limit and capital-works exclusions, and how to time purchases while the law is still pending.

mike

taxtax-deductionstax-planning

22 юли 2026 г.

California's DFAL Is Now in Force: Does Your Small Business Need a Crypto License?

California's Digital Financial Assets Law (DFAL) took full effect July 1, 2026, with penalties up to $100,000 per day for unlicensed crypto activity. Who needs a DFPI license, who qualifies for the merchant and $50,000 de minimis exemptions, and what the NMLS application requires.

mike

californiacrypto-compliancecryptocurrency

22 юли 2026 г.

Cyber Insurance for Small Businesses in 2026: What It Costs, What It Covers, and Where Claims Get Denied

Small business cyber insurance runs roughly $400–$1,600 a year for a $1 million limit, while the average breach recovery costs $120,000 and downtime $53,000 an hour. A guide to first-party vs. third-party coverage, 2026 premium drivers, and the social-engineering sublimits and MFA requirements that most often sink claims.

mike

insurancebusiness-insurancesmall-business

22 юли 2026 г.

Germany's Kleinunternehmerregelung in 2026: How the €25,000/€100,000 VAT Exemption Thresholds Work

Germany's Kleinunternehmerregelung (§19 UStG) exempts small businesses from charging VAT if prior-year net revenue stayed under €25,000 and current-year revenue stays under €100,000 — a hard, real-time ceiling since the 2024 reform. Here is how the thresholds, invoice wording rules, e-invoicing deadlines, and the five-year opt-out lock-in work in 2026.

mike

taxtax-complianceinternational-tax

22 юли 2026 г.

Kenya's KRA Now Auto-Validates Tax Returns Against eTIMS Invoices: What Changes in 2026

Starting with 2025 year-of-income returns filed in 2026, Kenya's KRA automatically cross-checks declared income and expenses against eTIMS invoices, withholding tax records, and customs data — expenses without a matching electronic invoice are reclassified as taxable profit. Here's who's affected, the exempt categories, and a compliance checklist.

mike

tax-compliancetaxsmall-business

22 юли 2026 г.

Laundromat Bookkeeping: Reconciling Coin and Card Revenue Against Utility Usage to Catch Shrinkage

Laundromat utilities run 20–25% of gross revenue, which makes water and gas meters a second independent ledger — convert metered consumption into an implied cycle count and revenue figure, compare it to coin-box counts, and a persistent gap over 5–8% flags theft, leaks, or miscalibrated machines. Includes a weekly-to-annual checklist covering multi-stream income accounts and Section 179 equipment expensing.

mike

bookkeepingsmall-businessreconciliation

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