#small-business
Financial management strategies and tools for small business owners
A small business owner's guide to filing Form 843 for COVID-era penalty refunds under the Kwong ruling, with step-by-step instructions and eligibility criteria before the July 10, 2026 deadline.
Seasonal attractions generate half a year's revenue in six weeks, then face twelve months of fixed expenses. Learn the bookkeeping practices that keep haunted houses solvent—cash reserve strategy, payroll compliance, cost stratification, and tax planning.
Landscapers lose one-third of their businesses in five years to winter cash crunch—not from low margins, but from treating year-round expenses like a five-month revenue business. A seasonal chart of accounts, rolling cash forecast, and winter reserve strategy turns survival into planning.
Level-funded health plans have become the choice of 40% of small employers seeking transparency, refunds, and predictable costs. Learn how the claims-fund-plus-stop-loss model works, accounting implications, and who should consider switching from fully-insured plans.
Track caregiver payroll, client-level margins, and complex revenue streams with the bookkeeping system non-medical home care agencies need to separate profitability from operational chaos.
Navigate 2026's paid family and medical leave programs across Delaware, Minnesota, and Maine. Learn employer contribution rates, eligibility requirements, payroll updates, and compliance deadlines to stay audit-ready.
Qualified Opportunity Zones are now permanent tax law with enhanced incentives for rural investment. Discover how the 30% rural basis step-up, 10-year tax elimination benefit, and 2026 redesignation window can shield your capital gains from federal tax.
The SBA retired FICO SBSS for 7(a) loans under $350K as of March 2026, making Debt Service Coverage Ratio the primary approval metric—learn how to prepare with accurate financials and bookkeeping.
By default an LLC is disregarded to Schedule C and pays SE tax on all profit — elect S-corp via 8832/2553, pay yourself reasonable W-2 wages, and distributions escape SE tax when the salary is defensible.
A practical breakdown of paid family and medical leave rules, employer costs, and compliance deadlines for Minnesota (0.88%), Delaware (employee-funded), and Maine (0.68%) effective January–May 2026.
Only the Importer of Record can claim a share of the $166 billion in IEEPA tariff refunds through CBP's CAPE portal, which locks out most small importers who buy through suppliers, freight forwarders, or 3PLs — here is how to find your IOR, negotiate refund sharing, and book the proceeds correctly under ASC 450.
Small businesses often run out of cash despite healthy profits because working capital is trapped in receivables and inventory. Learn to optimize the cash conversion cycle—the three levers of DSO, DPO, and DIO—to free up thousands without raising debt.
