#cash-flow
Cash Flow
Track and optimize cash flow for better financial health and stability
The 100% Pharma Tariff Arrives September 29: What Independent Pharmacies and Specialty Clinics Must Do Before Your Next Reorder Costs Twice as Much
A 100% Section 232 tariff on patented drugs and APIs hits smaller manufacturers on September 29, 2026; here is how independent pharmacies and specialty clinics should audit country of origin, separate tariff in landed cost, and manage the working-capital lag before the cost passes through.
Invoice Factoring vs. Accounts Receivable Financing: Which Turns Unpaid Invoices Into Cash Faster?
Invoice factoring sells your receivables to a factor who collects from your customer; AR financing is a loan that pledges the same invoices as collateral while you keep ownership and control. Compare cost (both often annualize to 15-48%), balance-sheet treatment, customer contact, and how to book each.
Mercury vs. Relay vs. Novo: How to Actually Choose an Online Business Bank Account in 2026
Mercury, Relay and Novo all offer $0 monthly fees — but they solve different problems. This 2026 guide compares Treasury yield, Profit First buckets, cash deposits, wires, and bookkeeping fit so you pick by workflow, not branding.
Moving Company Bookkeeping: Per-Move Job Costing, Fleet Depreciation, and Seasonal Cash Flow
Moving companies earn 55-60% of revenue between May and August, then face a 50-70% winter trough. Job-cost every move, depreciate trucks under MACRS 5-year rules, hold a 12-18% peak-season reserve, and run a 13-week cash forecast so summer profit funds winter.
Amazon FBA Reserve Holds Aren't an Expense: How to Book Withheld Settlement Funds
An Amazon FBA reserve is money Amazon owes you, not a fee — book the withheld settlement as a current asset (Amazon Reserved Balances), not a P&L expense, so revenue is not understated and bank reconciliation ties.
Business Overhead Expense Insurance: Who Pays Rent and Payroll If You Can't Work?
Business Overhead Expense (BOE) disability insurance reimburses a business for fixed costs — rent, staff payroll, utilities, leases — when the owner can't work due to illness or injury. It excludes the owner's own salary, pays 12 to 24 months after a 30-, 60-, or 90-day elimination period, and typically costs 1% to 3% of the monthly benefit per year. Premiums are deductible; benefits are taxable to the business.
The FDCPA Won't Help You Collect That Unpaid Invoice: A Small Business Owner's B2B Collection Playbook
The Fair Debt Collection Practices Act covers consumer debt collected by third parties, so it does not govern a business chasing its own overdue B2B invoices — contract law, UCC Article 2, and state unfair-practice statutes do. This guide explains the two FDCPA tests most commercial receivables fail, and gives a five-step recovery sequence from contract clauses and a follow-up cadence through demand letter, small claims or a 15–40% contingency agency, and judgment enforcement.
Why 71% of Small Business Owners Lose Sleep Over Money — and the Bookkeeping Habits That Let Them Sleep Again
A May 2026 survey of 750+ U.S. small business owners found 71% report moderate to extremely high financial stress, 68% lose at least one night of sleep a month, and 62% cut or skipped their own pay in the past year. The owners who sleep better run five habits — a weekly cash-flow review, separate payroll and tax accounts, same-day invoicing with automated reminders, one to three months of operating reserve, and a 13-week forecast — in about 60 minutes a week.
Credit Union vs. Bank for Small Business: Fees, Loan Rates, and the 12.25% Cap
Credit union business checking averages about $4.15 a month against $12 to $15 at large banks, overdrafts run roughly $26.61 versus $31.24, and new-auto rates sit near 5.44% versus 7.41% — but federal credit unions may lend only 12.25% of assets to member businesses, so facilities above $500,000 usually still route to banks. A line-by-line comparison of fees, approval odds, membership eligibility, and a 60-day parallel-account switch that does not miss payroll.
The Fed Is on Hold: What the June 2026 Dot Plot Means for Your Next Business Loan
The June 2026 dot plot moved the median end-of-year Fed funds projection from 3.4% to 3.8%, erasing the cut many borrowers were waiting for. Here is how prime at 6.75% flows into SBA 7(a), term loan, and line-of-credit pricing, when to lock fixed versus float variable, and the debt-schedule bookkeeping that gets you quoted 0.5%-1.0% lower.
How Much Cash Should Your Small Business Keep in Reserve? A Practical Emergency Fund Guide
The median small business holds just 27 days of cash buffer, and a quarter hold fewer than 13. This guide shows how to size a reserve at three to six months of essential fixed costs, where to hold it, how to fund it in four stages, and how to book it as an asset account so transfers never distort profit.
A Fed Rate Hike Is Back on the Table: What Small Business Owners Should Do About Variable-Rate Loans and SBA Financing Before the Next FOMC Meeting
A potential 2026 Fed hike would lift prime and SOFR within days, raising payments on variable-rate lines, cards, and SBA 7(a) loans. Learn which loans reprice first, how to stress-test at +50 bps, and what to lock before the next FOMC meeting.