Money management for firms without a finance department: receivables and collections, credit lines, payment terms, tax timing, and how to read your own accounts. Pieces show the arithmetic instead of summarizing it. Intended for owners, office managers and bookkeepers making funding and payment decisions every month.
The prime rate fell to 7.50% by December 2024, and if your credit line prices off prime, every $50,000 drawn costs $500 less per year than it did in September — here is how and when the change lands.
Isabel Duarte
The federal guarantee behind an SBA 7(a) loan protects the lender's exposure, not the borrower's balance — here is what it does and doesn't change.
Isabel Duarte
Lenders extend liquidity in good quarters and ration it in bad ones — the undrawn line you set up this year is next year's crisis tool.
Tanya Brooks
The math is rate savings against fees and term extension — the discipline is knowing which of the three you are actually buying.
Isabel Duarte
Up to 20 percent of qualified business income, tax-free — if your business clears the service-business tests or stays under the income thresholds.
Isabel Duarte