#small-business
Financial management strategies and tools for small business owners
Build business credit from scratch with net-30 vendor accounts that report to Dun & Bradstreet, Experian Business, and Equifax. Get your free D-U-N-S Number, enforce NAP consistency, and follow a 90-day plan to a scorable PAYDEX and Intelliscore.
Premium cigar lounges pay OTP excise as a capped percentage of wholesale, carry humidor inventory at landed cost with FIFO or average costing, and must defer locker and membership fees as unearned revenue until each month is provided — separating all three keeps margins, taxes, and audits accurate.
Your coworking cash and earned revenue rarely match — learn how to book membership deferred revenue, prorate mid-month starts and upgrades, and reconcile meeting-room hours and print credits so every dollar is counted.
A potential 2026 Fed hike would lift prime and SOFR within days, raising payments on variable-rate lines, cards, and SBA 7(a) loans. Learn which loans reprice first, how to stress-test at +50 bps, and what to lock before the next FOMC meeting.
For 2026, gig drivers deduct 72.5 cents per mile through June and 76 cents after, claim up to $25,000 in qualified tips as an above-the-line deduction, and expense vehicles at 100% bonus depreciation — if they log miles and tips contemporaneously and keep books on the right Schedule C lines.
The IRA contribution limit rises to $7,500 for 2026 — the first base increase since 2023 — plus a new $1,100 catch-up at 50+. Learn who qualifies, how it stacks with Solo 401(k) and SEP, and how freelancers can capture the extra room before April 15, 2027.
New Jersey's ABC test regulations become operative October 1, 2026, clarifying that every worker is an employee unless you prove freedom from control, work outside your usual course or places of business, and an independently established trade — learn the three prongs, five common mistakes, and a pre-deadline audit checklist.
A parking operator's chart of accounts and close process — how to separate transient, monthly permit, corporate, valet, and event revenue, book monthly permits as deferred revenue, back parking tax out of tax-inclusive rates, and hold at least 1.5× one month's gross client collections before signing a management agreement with 30-day remittance terms.
Since January 1, 2026, cash-funded remittance transfers sent abroad are subject to a 1% federal excise tax collected by providers and reported on Form 720. This guide explains what triggers the tax, which bank-funded transfers are exempt, and how small businesses should record the tax, fees, and contractor payments.
Vacation rental managers must prove every trust dollar with a monthly three-way reconciliation. Learn how to tie your bank statement to your books to each owner ledger and cleanly break down batched Airbnb and Vrbo payouts before you disburse.
When an AI Overview appears, users click a traditional Google result just 8% of the time versus 15% without one (Pew panel data), and zero-click searches have climbed to 69% of queries. Here is how small businesses can measure their exposure, win the AI citations that convert at up to 4.4x organic traffic, and diversify discovery beyond the search box.
California SB 122 makes SaaS and other digital products subject to sales tax from January 1, 2027, with Colorado's HB 26-1223 flipping the same day. This guide maps SaaS taxability across all 50 states as of August 2026, explains economic nexus thresholds like California's 500,000 dollars plus the 5-million-dollar purchaser self-assessment rule, and gives a pre-January compliance checklist for software sellers and buyers.
