#small-business
Financial management strategies and tools for small business owners
Payoneer will add Bridge-powered USDC and USDT payouts in 2026. Learn how cross-border sellers save on FX and wire fees, what GENIUS and FASB changes mean, and how to book stablecoin receipts at FMV, track FIFO lots, and reconcile Payoneer, blockchain, and bank statements.
Intuit raised QuickBooks Online prices on August 1, 2026 for renewals — Essentials to $85, Plus to $140, and Advanced to $340 a month (70%). Learn which plans changed, how the per-user and per-company math stacks up, the 12-month renew-vs-downgrade-vs-switch framework, and the bookkeeping checklist to keep your audit trail and cutoff clean.
A $50,000 advance at 1.30x costs $15,000 either way — but repaid over 20 months at 8% of revenue it annualizes near 18%, while the same fee via $400 daily debits over 7 months behaves like 80%+ APR. Learn how to convert factor rates to comparable APRs, when RBF vs. MCA fits, and the liability and processor-reconciliation entries that keep your books honest.
SBA's June 11 proposed rule and August 11 final rule eliminate the rebuttable presumption of social disadvantage for 8(a) applicants. Learn the new three-actor test, who it affects, the September 10 effective date for pending applications, and the DCAA-ready bookkeeping controls you need before your first set-aside award.
The 2026 IRS business mileage rate is 72.5 cents January–June and 76 cents July–December. This guide compares the standard mileage and actual expense methods, explains the year-one lock-in rules and five-vehicle fleet restriction, and details the five-element log an audit requires.
Visa's Acquirer Monitoring Program (VAMP) merges TC40 fraud reports and TC15 disputes into one ratio, and the 2026 merchant "excessive" threshold dropped to 0.9%. This guide shows exactly how the ratio is calculated and gives small merchants a prevention and gross-to-net bookkeeping playbook to stay under it.
HHS's May 12, 2026 final rule restoring CCDF flexibility rescinded four 2024 mandates — the 7% co-payment cap, grants-or-contracts set-aside, prospective payment, and enrollment-based billing — effective July 13, 2026. Learn what attendance-based reimbursement means for daycare cash flow, how the 85% and five-day absence thresholds work, and which bookkeeping habits keep subsidy revenue predictable.
Learn how small businesses should book customer refunds as contra-revenue, not expenses — covering Schedule C line 2, sales-tax payable reversals, inventory COGS adjustments, payment processor reconciliation, and ASC 606 refund liabilities with a monthly workflow to keep net sales accurate.
eBay's July 1, 2026 fee reform cuts final value fees to flat 5% for used and refurbished goods and raises new-goods fees to 7% for commercial sellers on selected marketplaces. Learn how the 5% vs 7% split changes reseller margins, why private sellers are unaffected, and how to reconcile gross 1099-K sales to net payouts without losing the fee deduction.
FinCEN's March 2025 interim final rule exempts domestic LLCs and corporations from BOI reporting, but the relief lives in regulation; H.R. 425 would codify it in statute—this guide explains who is exempt today, who still must file (foreign reporting companies), and the bookkeeping to keep while Congress decides.
Florida SB 606 takes effect July 1, 2026 and redefines restaurant fee disclosure: every mandatory operations charge — service charges, auto-gratuities, delivery fees, and card surcharges — must be shown on menus, contracts, and ordering apps in compliant font, on the face of the bill, and as three separate receipt lines for tip, operations charge, and sales tax. Learn what counts as an operations charge, where to disclose, and how to book each line correctly.
For tax years starting in 2026, OBBBA makes the 20% qualified business income deduction permanent, widens the married-joint phase-in range to $394,600–$544,600, and adds a $400 minimum for taxpayers with more than $1,000 of QBI — so a $1,500 profit yields $400 instead of $300.
