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Mike Thrift

Marketing Manager

Church Fund Accounting: How to Manage Restricted and Unrestricted Funds

An estimated $86 billion is lost to fraud inside churches worldwide each year, and most of it starts with one bookkeeping mistake — treating restricted and unrestricted funds as one pool. This guide explains how FASB ASC 958 classifies donor-restricted gifts, the three errors that get church treasurers in trouble, and the monthly habits that keep ministry books compliant and transparent.

Bookkeeping for Commercial Composting and Food-Waste Haulers: Tipping Fees, Volume Contracts, and Diversion Savings

With landfill tipping fees averaging $35–125 per ton and rising 3–7% annually, food-waste haulers and composting operators need books that separate revenue by contract type, track tipping fees by disposal site, and isolate contamination costs — here is a chart-of-accounts structure that makes landfill-diversion savings pitches defensible.

The Community Bank Leverage Ratio Just Dropped to 8%: What It Means for Small Business Credit

On July 1, 2026, the FDIC, Federal Reserve, and OCC lowered the Community Bank Leverage Ratio from 9% to 8%, making roughly 477 more banks eligible for the simplified capital framework and freeing lending capacity at institutions under $10 billion in assets. Here is what the change means for small business borrowers — and how to keep your books loan-ready.

Connecticut's CTDPA Now Covers Small Businesses: Neural Data, LLM Training Disclosures, and the July 2026 Rules

Connecticut's amended CTDPA took effect July 1, 2026, lowering the coverage threshold to 35,000 consumers, classifying neural data as sensitive, and requiring conspicuous disclosure of AI and LLM training on personal data. Processing any sensitive data — even one record — now triggers coverage, the 60-day cure period is gone, and penalties reach $5,000 per willful violation.

Debanking in 2026: What the End of 'Reputational Risk' Means for Your Business Bank Account

Federal regulators eliminated "reputational risk" from bank supervision in 2026 — a joint OCC-FDIC rule effective June 9, an SBA lender audit, FTC warnings to payment processors, and new state disclosure laws now limit when banks can close accounts. Here's who remains exposed and what to do if your business account is frozen or terminated.

Direct Mail Is Beating Email Again: Why Small Businesses Are Going Back to the Mailbox in 2026

USPS Every Door Direct Mail (EDDM) lets small businesses reach every address on a mail carrier route for about $0.26 per piece, no mailing list required — and direct mail's roughly 4.4% response rate now dwarfs email's 0.12%. How EDDM Retail and BMEU work, what real campaigns returned, and how to track cost per acquisition in your books.

EDI vs. DBNAlliance E-Invoicing: What Small B2B Sellers Need to Know Before a Big Customer Mandates It

Traditional EDI costs small suppliers $10,000–$100,000+ upfront plus $1–$5 per transaction, while the nonprofit DBNAlliance exchange network launched in 2024 cuts per-invoice fees to $0.05–$0.25 — some access points are free. Here's how small B2B sellers can meet Walmart-style electronic invoicing mandates without overpaying, and why structured e-invoices get paid 1.4–2 days faster.