Finance
SEP-IRA or Solo 401(k): The Self-Employed Retirement Math
Both shelter up to roughly the same contribution ceiling — the difference is upfront costs, employee coverage, and how much you can save at modest income.
Isabel Duarte
Finance
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.
Finance
Personal Guarantees on Business Debt: What You're Really Signing
A personal guarantee converts business borrowing into a charge on your house, savings, and future wages — the most negotiable clause nobody negotiates.
Isabel Duarte
Finance
DSCR: The Number Lenders Check Before Your Loan Closes
Debt service coverage ratio is the lender's oxygen gauge — net operating income over debt payments — and you can compute it before they do.
Isabel Duarte
Finance
Invoice Factoring vs. Invoice Financing: Same Paper, Different Deals
One sells your receivables outright, the other borrows against them — the difference decides who collects, who bears nonpayment, and what it costs.
Isabel Duarte
Finance
Equipment Loan or Lease: The Math and the Tax Angle
Leasing pays for use, loans pay for ownership — the right answer follows utilization, technology churn, and how you take depreciation.
Isabel Duarte