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Cash Flow

Track and optimize cash flow for better financial health and stability

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10 min read

What Happens When You Cannot Pay Your SBA Loan: Default, Workout, Offer in Compromise, and Treasury Collection

SBA loans typically enter default after three to four missed payments; past 60 days past due with long-term problems, servicing rules push lenders toward liquidation over deferment. The sequence runs lender collateral seizure and personal-guarantee enforcement, SBA guarantee purchase with a 60-day demand letter, a lump-sum offer in compromise on Forms 1150 and 770 after collateral is liquidated, and finally Treasury Offset Program collection via tax refund offset and administrative wage garnishment.

Mike Thrift

sbaloanssmall-business
13 min read

Terminated for Convenience: What FAR Part 49 Still Pays You

A federal termination for convenience is not a lost contract — it is a settlement claim. This guide covers the three deadlines (120 days for inventory schedules, one year for the final proposal, 90 days for an equitable adjustment), the four cost buckets plus recoverable settlement expenses, the SF 1435/1436/1438/1439 forms, and the cost segregation that decides how much you actually recover.

Mike Thrift

government-contractingcontractscompliance
12 min read

Weekly, Biweekly, or Semimonthly? Choosing a Payroll Schedule That Fits Your State's Payday Law

There is no federal pay-frequency law — states set the floor, and Connecticut, Rhode Island, New Hampshire, Massachusetts, Vermont and New York are the strictest. Biweekly covers roughly 36–43 percent of private businesses, brings two three-paycheck months a year and a 27th payday in 2026; semimonthly's 24 uneven periods never align with the 7-day FLSA workweek that governs overtime.

Mike Thrift

payrollcompliancesmall-business
10 min read

Zscaler FY2026 Q4: $898M Revenue, $3.8B ARR, and a 23% Free-Cash-Flow Margin

Zscaler's fiscal Q4 2026 (ended July 31, 2026) posted $898 million of revenue (+25%), ending ARR of $3.77 billion, and a full-year 23% free-cash-flow margin against a $63 million GAAP net loss. Deferred revenue of $2.93 billion and RPO of roughly $7.4 billion carry the growth signal before the income statement recognizes it — modeled FY2022–FY2026 in a public Beancount ledger alongside CrowdStrike and Palo Alto Networks.

Mike Thrift

zscaleropen-ledgerfinancial-analysis
11 min read

Conditional vs. Unconditional Lien Waivers: Which One to Sign, and When

A lien waiver comes in four forms, and two words decide whether you kept your lien rights. Conditional waivers release rights only if the payment clears, so they go out with the invoice; unconditional waivers release immediately whether or not you are paid, so they go out only after funds clear the bank. Includes the through-date, retainage, and preliminary-notice rules that make the system hold up.

Mike Thrift

constructionlegalcontracts
10 min read

How Long Is a Check Good For? The Six-Month Stale-Check Rule, Stop-Pay and Reissue, and Escheatment

Under UCC 4-404 a bank may refuse a check presented more than six months after its date — but it may also pay it in good faith and charge your account. A "void after 90 days" legend binds the payee, not the bank. Here is how to age outstanding checks, place a six-month stop-payment order (14 days if oral), reissue safely, and report uncashed checks as unclaimed property.

Mike Thrift

bankingreconciliationunclaimed-property
8 min read

Switzerland Now Lets Small Businesses File VAT Once a Year: Should You Switch?

Since January 2025, Swiss businesses with taxable turnover up to CHF 5,005,000 and three clean filing periods can elect one annual VAT return through the SFTA ePortal instead of quarterly returns, but still pay advance installments on May 30, August 30 and November 30. Here is who qualifies, why the end-of-February election deadline matters, when quarterly filing is the better cash-flow choice, and the monthly bookkeeping habits that make annual filing safe.

Mike Thrift

vattax-compliancesmall-business
11 min read

Window Screen and Screen Door Repair Bookkeeping: Costing Every Stop, Tracking Every Roll, and Surviving the Winter Trough

A bookkeeping guide for window screen and screen door repair businesses. Separate revenue lines for rescreens, frame rebuilds, doors and landlord contracts; track mesh by grade (fiberglass, aluminum, solar, pet-resistant) as cost of goods sold; log mileage per stop at the 2026 IRS rate of 72.5 to 76 cents; and bank spring surplus to cover three to four months of fixed costs through winter.

Mike Thrift

bookkeepingsmall-businesstrades
11 min read

Running an AI Red-Teaming Consultancy: Bookkeeping for $8K-to-$150K Engagements and Monthly Retainers

AI red-teaming firms bill two ways — $8,000-to-$150,000 project engagements and $1,500-to-$15,000 monthly retainers — and the books must keep them apart. A practical guide to the chart of accounts, ASC 606 treatment of deposits and milestones, per-engagement job costing, utilization and realization targets, 13-week cash forecasting, and contractor tax compliance.

Mike Thrift

consultingrevenue-recognitiondeferred-revenue
12 min read

After the DMEPOS Freeze: What the 2026 CMS Fraud Crackdown Means for Your Medical Supply Business

CMS froze new DMEPOS Medicare enrollment from February 27 to August 27, 2026, barred 11 suppliers tied to $3.4 billion in suspected fraudulent billing, and suspended $5.7 billion in Medicare payments during 2025. Here is what actually changed for legitimate medical supply businesses and the seven billing and bookkeeping controls that keep claims paid and supplier numbers intact.

Mike Thrift

healthcarecompliancefraud-prevention
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