Can You Sell a Business With an SBA Loan? Payoff, Short Sale, or Assumption
Yes — with lender approval. Pay off your SBA loan from sale proceeds, negotiate a short sale, or transfer it via buyer assumption.
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Plain-text accounting insights, tutorials, and updates from the Beancount.io team.
Should You Report Your Tenants' Rent to the Credit Bureaus? A Landlord's Guide
73% of renters say credit reporting would make them pay on time. Compare landlord-led vs. tenant-paid services, costs, and FCRA consent rules.
Real Estate Wholesaling in 2026: Assignment Fees, State Disclosure Laws, and Bookkeeping for Deals That Never Close in Your Name
Wholesale assignment fees are IRS ordinary income on Schedule C plus 15.3% SE tax, and 2026 state disclosure laws can void deals missing written notice.
AI Close Agents Draft Your Month-End Books — How to Review and Sign Off Safely
Puzzle AI Close drafts reconciliations and schedules; one firm closes by business day 4. Your approval is now the control — use this 6-step sign-off checklist.
Pricing a Tiny Home Build So It Actually Makes Money: The True-COGS Playbook
Price a tiny home from true COGS: burdened labor at 1.35x wages plus overhead turns a $40,000 quote into a 4% job; a 40% margin needs about $58,000.
Podcast Studio Rental Bookkeeping: Price Your Hourly Rate From Real Costs
Price podcast studio rentals from fixed costs, Section 179 depreciation and 25–40% first-year utilization, not competitor rates — then book each revenue stream.
The PACA Trust: How Produce Sellers Get Paid First When a Buyer Goes Bankrupt
Under 7 U.S.C. 499e(c), unpaid produce sellers are paid from a buyer's trust assets before other creditors — if terms stay ≤30 days and notice is timely.
Lost Track of an Old 401(k)? How the DOL's Lost and Found Database Reunites You With Forgotten Money
The DOL's Lost and Found database lets workers search for forgotten 401(k)s by SSN — $2.1 trillion sits unclaimed. Here's how to search and claim yours.
Juice Bar and Smoothie Shop Bookkeeping: Track Produce Spoilage per Ingredient to Protect Your Margins
A 70% smoothie margin can be 45% after spoilage. Log waste per ingredient, cost recipes on yielded produce, and book abnormal loss outside COGS.
2026 IRS Mileage Rate Midyear Change: How to Split Your Deduction
The IRS raised the 2026 business mileage rate from 72.5 to 76 cents for miles driven from July 1 — date every log entry or you cannot prove the higher rate.
IRS Letter 12C: Why Your Return Is On Hold and How to Respond in 20 Days
IRS Letter 12C is a processing hold, not an audit — fax or mail the requested forms within 20 days and skip Form 1040-X; refunds follow in 6–8 weeks.
The IRS Doesn't Need Your Books to Audit You: How Examiners Reconstruct Cash-Business Income
With missing records, the IRS rebuilds income from bank deposits, net worth, markup and unit volume — reconciled books keep the audit on specific items.