Esta es la tercera publicación de una serie sobre los conceptos básicos de las finanzas de las pequeñas empresas. Eche un vistazo a nuestras publicaciones sobre cuentas bancarias para pequeñas empresas y tarjetas de crédito para pequeñas empresas, y esté atento a futuras publicaciones en esta serie.
Abril a menudo se asocia con la limpieza de primavera y la reorganización, lo que significa que finalmente se tomó el tiempo para revisar ese cajón que rebalsa de basura o para organizar los estados financieros del año pasado para la fecha límite de presentación de impuestos. Pero cuando se trata de sus finanzas, puede usar este tiempo para hacer algo más que presentar la documentación de declaración de impuestos gracias a los recursos proporcionados como parte del Mes Nacional de Alfabetización Financiera.
As a small business owner, you’ve probably found yourself in the position of needing extra funds to help you expand, whether you need to buy equipment or you have a new product idea you need help developing. Traditional financing like a bank loan can take months to close between the application and approval phases, and you probably don’t have the time to wait, especially if you need a relatively small amount of cash.
Small business owners seeking funding to start, operate, or expand their businesses often fall prey to lenders who are deceiving about the costs associated with borrowing. Monthly interest rates alone are not an indicator of the overall cost of a loan. Predatory lenders may hide additional costs, such as the annual percentage rate (APR), closings costs, service fees, and other fees or penalties. If you are a small business owner looking for financing, it is essential that you do your research not only to calculate cost accurately, but also to become aware of all lending options available to you.
7 Signs That You Shouldn’t Sign (or E-sign) on the Dotted Line
As a small business owner, you are probably used to doing just about everything online - from invoicing and paying bills to marketing and ordering inventory. So it might seem natural to look for a small business loan online too. And with platforms like Accion Opportunity Fund, and NYC Local Lending, there are some great options online.
You may not be trimming the tree just yet, but it’s definitely time to make sure your business is ready for the biggest shopping season of the year. From retailers to restaurants, the majority of small businesses will significantly boost their bottom line in Q4. According to a recent survey from Vistaprint, 75% of consumers indicated that they’re likely to do at least some of their holiday shopping with small businesses this year.
5 places to find the capital you need to get your business back up and running
Although retirement planning may not always be a high priority for busy small business owners, there are plenty of options available to help you start saving for the future. Read on for an overview of common workplace-based plans.
While this isn’t an exhaustive list, it should help you begin to understand the differences among them. We recommend consulting a financial advisor for assistance in selecting a plan based on your business size, capacity, and resources.
Are you confused or overwhelmed by retirement options for your business? Don’t worry—you’re not alone. In fact, about 30% of small business owners report they’re unaware of their retirement options. To help you grasp the ABCs of retirement, we’ll provide a broad overview of basic retirement paths to help you gain a better understanding of basic options to consider for you and your employees.