Counterfeit Bills at the Register: Train Your Cashiers to Catch Fakes Before They Cost You
Counterfeits you accept are your loss — no reimbursement. Train cashiers on feel-look-tilt checks, UV verification, and Secret Service Form 1604 reporting.
#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
Venture Debt for Early-Stage Startups: Borrow Runway Without Selling the Company
U.S. startups borrowed a record $68.8B of venture debt in 2025. Warrants cost 1-5% dilution, but covenant breaches - not missed payments - trigger most defaults
Bounced Checks and NSF Fees: How to Book Returned Checks, Bank Charges, and Redeposits Without Double-Counting Revenue
A bounced check reverses the deposit and reopens the receivable — book the NSF fee as its own expense and apply the redeposit to the invoice, never to revenue.
September 30 Is Coming: How Small Contractors Can Win a Share of the Federal Q4 Spending Sprint
Agencies obligate 30–40% of annual contract dollars in Q4, peaking in September — how a small firm gets SAM-ready and quotes fast enough to win a share.
Why the Gap Between Your Food Truck's Cash Drawer and POS Report Is an Auditor's Favorite Red Flag
IRS and state auditors start with the gap between your POS Z report and your drawer count. Log paid-outs, deposit intact, book the rest to Cash Over and Short.
FASB Proposes Treating Stablecoins as Cash Equivalents: What It Means If Your Business Holds USDC
FASB's August 2026 proposal would let a stablecoin sit in the cash line only with direct issuer redemption, 1:1 segregated reserves, and annual disclosure.
Pay-As-You-Go Workers' Comp: Stop Fronting Premiums on Payroll You Haven't Run Yet
Pay-as-you-go workers' comp bills each payroll on actual wages instead of estimates — no big deposit, smaller audit surprises, smoother cash flow.
SBA Express Loans, Explained: $500,000 With a 36-Hour SBA Turnaround
SBA Express lends up to $500,000 with a 36-hour SBA response and a 50% guarantee — faster than standard 7(a), but lenders set a higher credit bar.
A101, A201, A401: A Small Contractor's Guide to the AIA Contract Family
A401's pay-if-paid clause decides whether a slow-paying owner becomes your problem. What A101, A201 and A401 each do, and which blanks to negotiate first.
Accounts Receivable Best Practices: How to Cut Your Collection Time from 45 Days to 30
Cut DSO from 45 days to 30 with six habits - same-day invoicing, written terms, electronic payment, scheduled follow-ups, dispute triage, and credit limits.
Your Payroll Provider Wants to Be Your Bank: Is a Payroll-Bank Combo Right for Your Small Business?
Rippling's Business Banking pairs same-day payroll with 2.25% APY checking — judge the custody, lock-in, and fine print before switching.
Your Income Isn't Level: The Annualized Income Method on Form 2210
Form 2210 Schedule AI matches each IRS estimated-tax installment to income earned by March 31, May 31, Aug 31 and Nov 30 — it can only shrink your penalty.