Marketing Manager
The average small business liability claim now costs $97,200, while $1M/$2M product liability coverage averages about $1,192 a year. What the policy pays, who in the distribution chain can be sued, and five mistakes that leave sellers exposed.
A $10M pre-money valuation with a 15% option pool values the founders' shares closer to $8.5M. A clause-by-clause walk through a priced-round term sheet — the option pool shuffle, 1x non-participating preference, full-ratchet anti-dilution, board seats and veto lists — with the math worked out.
SBA's proposed rule cuts 995 size standards to 338, raises some thresholds tenfold and makes ~114,000 more firms 'small'; comments close September 21, 2026.
Section 179 recapture applies when business use drops to 50% or less in any recovery-period year: the clawback is ordinary income on Form 4797, Part IV.
A PTIN, an EFIN after a 45-day IRS suitability check, and Form 8867 diligence on every credit return — the federal startup checklist for paid preparers.
Lenders judge a loan application on three numbers — current ratio (1.5+ adequate, under 1.0 a red flag), quick ratio above 1.0, and a DSCR of at least 1.15x for SBA 7(a) and 504 loans.
Togo's Finance Law 2026 mandates certified e-invoicing for B2B sales between VAT taxpayers, with data reported to the OTR; paper stays valid until go-live.
Voiding zeroes a QuickBooks transaction but keeps the record; deleting erases it. Void by default and recover mistakes through the Audit Log.
Svix and Hookdeck bills are cost of revenue, not overhead: split platform fee from metered usage, accrue before invoicing, and track cost per 1,000 events.
A Yellow Book (GAGAS) audit adds internal-control and compliance reporting to a financial audit — required for nonprofits spending $1M+ in federal awards.
OBBBA doubled the annual 529 K-12 withdrawal cap to $20,000 per student for 2026 and made tutoring, test fees, and credential programs qualified — but nonconforming states like California still tax the earnings and can recapture prior deductions.
Finance employers now hire three senior staff per entry-level hire, and a third of new hires quit within a year. Here is what that does to bookkeeping costs — $3,000–$4,500 a month in-house versus $300–$2,500 outsourced — and how to restructure around it.
