#small-business
Financial management strategies and tools for small business owners
A SAFE converts at the lower of its valuation cap or discount price — and post-money SAFEs stack dilution on founders, not earlier investors.
Section 195 lets new US businesses deduct $5,000 of startup costs immediately and amortize the rest over 180 months — but only after launch day.
IRS Publication 560 frames the employer choice as SEP vs. SIMPLE vs. qualified plan — compare uniformity, mandatory contributions, and admin cost.
Businesses get two banking days to return a fraudulent ACH debit; consumers get 60. Debit blocks, filters, and Positive Pay close the gap.
Target cost equals market price minus required profit — set the price first, then engineer costs down to fit before you launch.
USDA's B&I program guarantees up to 80% of rural business loans to $25 million with 30-year terms. Here is who qualifies and how to apply.
Bank sign-up bonuses are IRS-taxable interest income, usually on 1099-INT, taxed at your marginal rate with nothing withheld. Set aside 22–37% plus state tax.
806 Belize MSMEs won a one-year business-tax holiday; the first certificates expire now. Check your status, dodge the fake Amnesty 2.0, and plan the landing.
Cabo Verde's REMPE regime taxes micro and small firms at 4% of gross sales instead of 20% IRPC plus 15% VAT — if headcount and turnover stay under the caps.
CBP reconciliation lets importers flag entries with undetermined value or FTA claims and true them up on Entry Type 09: 12 months for FTA, 21 for value.
The Copyright Claims Board hears copyright claims up to $30,000 entirely online for $100 in fees — but you need a registration application to file.
Cruise-ship conventions cap at $2,000 a year and most overseas meetings fail Section 274(h) — what the IRS still allows, and the records that prove it.
