Financials

Finance 101: Cómo elegir la cuenta bancaria correcta para su pequeña empresa

Esta es la primera publicación de una serie sobre los conceptos básicos de las finanzas de pequeñas empresas. No se pierda las próximas publicaciones de esta serie, incluso información sobre contabilidad y tarjetas de crédito para pequeñas empresas.

Por qué debería separar sus finanzas personales y comerciales

Cuando navega por el financiamiento comercial, puede ser tentador usar sus finanzas personales para ayudar cuando su negocio necesita un impulso, pero esa no siempre es la mejor solución a largo plazo. Separar sus finanzas personales y comerciales puede ayudar a garantizar que trate su negocio como la entidad independiente que es, al mismo tiempo que resguarda sus finanzas personales.

¿Por qué es tan importante separar sus finanzas?

Tome el control de su futuro financiero durante el Mes Nacional de Alfabetización Financiera

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.

Finance 101: How to choose the right bank account for your small business

This is the first post in a series on the basics of small business finances. Stay tuned for future posts in this series, including information about bookkeeping and small business credit cards.

As an entrepreneur, you now need to be a Chief Everything Officer, and that includes managing your business’s financials. Navigating small business finances can be overwhelming, but it’s important to understand all the factors that go into overseeing your business’s daily finances. A good place to start with is a small business bank account.

Take Control of Your Financial Future During National Financial Literacy Month

April is often associated with spring cleaning and reorganizing, which means you finally made the time go through that overflowing junk drawer or to organize last year’s financial statements for the tax filing deadline. But when it comes to your finances, you can use this time to do more than just file your tax return documents thanks to the resources provided as part of National Financial Literacy Month.

Filing A Tax Return On Time Increases The Odds Of Getting A Small Business Loan

This article originally appeared on Forbes.com

Rohit Arora, Forbes.com Contributor

Small business loan approval rates at big banks continued the upswing with yet another new high last month, according to the Biz2Credit Small Business Lending Index™ (March 2018 figures). Big banks (assets of $10 billion+) are granting more than one-quarter of the small business loan applications they receive. The 25.5% approval percentage, up one-tenth of a percent from February, represents a post-recession high point for big banks.

Small businesses should re-evaluate business plans before reopening

Business owners who sustained substantial loss from Hurricane Harvey should treat reopening their business like starting up for the first time. Whether the business owner gets funds through the Small Business Administration, a bank loan or their savings, reopening will take planning and capital. Lack of these is the reason behind the majority of small businesses that fail, said Joe Humphreys, University of Houston-Victoria Small Business Development Center executive director. "It's like starting all over again," he said. "They may not have the same employees.

Why You Should Separate Your Personal & Business Finances

As you navigate business financing, it may be tempting to use your personal finances to help out when your business needs a boost, but that is not always the best solution in the long run. Separating your personal and business finances can help ensure you treat your business like the independent entity it is, while safeguarding your personal finances.

Could Yelp indicate whether your business deserves a loan?

Online lenders and startups have been mining Yelp and Facebook for several years, checking out how many followers a business has and whether loan applicants are posting photos of extravagant vacations, to discern whether potential borrowers are a good risk. But now, brick-and-mortar banks are stepping into the world of social media monitoring, checking these sites and other nontraditional data sources, such as utility records and Amazon.com payment history, for financial clues in making loan decisions.

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