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Financial tools & management

You’ve got the business plan down, but you need some help managing your finances and cash flow. Accounting, taxes, payroll—you deal with enough numbers every month to make your head spin. But you don’t have to tackle the numbers alone. These resources can help you keep your business in good financial health. 

What If I Pay My Business Credit Card in Full?

Paying your balance off in full doesn’t necessarily guarantee a low debt usage ratio, because in many cases your balance will be reported before, not after, you make a payment. In the case of credit cards, for example, many issuers will report your balance at the end of the billing cycle, when they generate the statement.

What is a secured credit card?

A secured credit card is one that requires a deposit or collateral up front. In most cases, this deposit must be made in cash, although some lenders will accept collateral in the form of homes, cars, or other assets.

Why should I write a business plan?

A business plan is a vital tool for your business. You know this, but writing one still sounds daunting. Don’t let it. You already have a plan for your business in your head. All you’re doing when you write a business plan is taking the information from your head and putting it on paper.

Business plan templates

You know that writing a business plan is critical tool for planning your business and for getting a loan, but it’s hard to know where to start. Like everything else, it’s easier to begin when you have a template to follow.

Merchant Cash Advance APR Calculator

A merchant cash advance (MCA) is a type of financing in which a business sells a percentage of their future credit/debit sales for an upfront amount. The MCA lender gets paid by directly debiting the card receipts from the merchant’s account daily, before the business itself can access any money from sales.

Where to find legal help for your small business

Small business owners like you can do a lot on your own to get your business up and running, including writing a business plan, applying for a license or permit and applying for an employer identification number. However, there are some legal tasks better left to professionals.