Cash Flow Tips To Keep Your Small Business Afloat
Forbes Leadership
MARCH 21, 2023
Cash flow management is essential for the financial health of every small business.
ADA Reasonable Accommodation Checklist for Small Businesses
Zenefits
DECEMBER 26, 2022
To help small businesses and HR managers figure out how to navigate accommodations, we’ve created this brief guide and checklist. Is your business eligible for reasonable accommodation mandates? Your organization’s cash flow, size, net cost, access to government resources, or even potential tax credits are all considered.
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Miss One Change, Face Major Risk: The New Compliance Crisis In HR And How To Fix It
The Hidden Skills That Separate Good Leaders from Great Ones
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How to Create Sustainable Cash Flow and Turn Your Business into a Valuable Asset w/ Ryan Tansom
SME Strategy
APRIL 13, 2023
How do you valuate a small business?
Cash Flow 
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Transform Your Small Business Finances With These Easy Tips
Forbes Leadership
APRIL 19, 2023
Not only can it help you keep track of your cash flow and expenses, but it can also help you make profitable decisions for your business.
Taking Calculated Risks in Small Business: A Guide for Entrepreneurs
Chris LoCutro
JULY 17, 2024
Step 2: Crunch the Numbers Let’s talk numbers—ensure any risk you’re considering is one your business can shoulder financially. Use forecasting to play out different scenarios and see how they might affect your cash flow. Step 3: Test the Waters Consider starting small. It’s like having a financial crystal ball!
What to Know About Small Business Liability Insurance
Zenefits
JUNE 29, 2022
With tight cash flow and an uncertain market, small businesses can be financially ruined by a disastrous, unexpected lawsuit or accident. In fact, 43% of business owners are threatened with or have been involved in a lawsuit, and litigation can easily cost up to $150,000. What insurance does a small business need?
Should I Hire a Business Consultant for My Small Business?
Zenefits
AUGUST 3, 2022
Small business owners have a lot on their plate. But who can a business owner speak with for advice on business strategy? Another business owner may have some advice, but do they have the industry-specific experience to answer all your questions? What does a business consultant do for companies? Operations.
Why Do So Many Businesses Fail? An In-Depth Look
Chris LoCutro
JUNE 5, 2024
Why Do So Many Small Businesses Fail? An In-Depth Look Starting a small business is a dream for many, fueled by desires for independence, passion, and personal fulfillment. Cash Flow Management One of the most cited reasons for small business failures is poor cash flow management.
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Why Do So Many Businesses Fail? An In-Depth Look
Chris LoCutro
JUNE 5, 2024
Why Do So Many Small Businesses Fail? An In-Depth Look Starting a small business is a dream for many, fueled by desires for independence, passion, and personal fulfillment. Cash Flow Management One of the most cited reasons for small business failures is poor cash flow management.
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Registering Your Small Business: Single-Member LLC vs. Multi-Member LLC
Zenefits
JANUARY 20, 2023
If your business is growing, it’s time to start hiring help. For small businesses just starting out, it’s often more cost-efficient to bring on independent contractors to complete smaller jobs or help out with things like marketing and sales.
How to Keep Inflation From Derailing Your Budget
Zenefits
JUNE 1, 2022
With the rising inflation rate breaking all records, rising interest rates, supply chain disruption, the ongoing pandemic, and armed conflict in Europe, small businesses are caught between a rock and a hard place. There are a number of actions a small business owner can take to reduce the effect of inflation on their organization.
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How Digital Currencies Can Help Small Businesses
Harvard Business Review
MAY 25, 2022
They could reduce payment processing costs and cash flow issues.
Aligning People Ops Strategy for the 5-Stage Business Cycle
Zenefits
DECEMBER 29, 2022
At this stage, a business has just opened its doors, or it’s growing rapidly. Generally, the economy is good, debt is low or paid on time, and cash flow accumulates. Even small business owners can struggle to diagnose where they are in the business cycle — until it’s too late.
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9 Types of Business Loans and Their Pros and Cons
Zenefits
NOVEMBER 1, 2022
Is yours an established business or a startup with?cash business loan?to working capital so you can meet your daily business obligations. business loan?options business owners. business lines? small business loan , you may be confused about how many and what kinds of loans are available.
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571 | Second-Generation Transitions in Small Business: The Dos and Don’ts for Founders
Chris LoCutro
APRIL 23, 2024
In this episode of The Chris LoCurto Show, we dive deep into the delicate process of second-generation transitions in small businesses. If they've never been in the P&Ls, if they've never understood the budgeting, the forecasting, if they've never understood what assets you have, what that looks like, cash flow.
Use Data to Fix the Small Business Lending Gap
Harvard Business Review
SEPTEMBER 16, 2014
And limited credit is in part caused by the difficulty of predicting which small businesses will and won’t succeed. In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application.
Payroll Form Savvy for Compliance and More
Zenefits
MAY 15, 2023
In addition, an organized, transparent payroll process helps the company function efficiently and understand its cash flow more comprehensively. Access to accurate information helps businesses at tax time Staying ahead of federal income tax demands is a smart business move.
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Claiming an Employee Retention Credit in 2022
Zenefits
DECEMBER 4, 2022
You can still claim an employee retention credit (ERC) if you own a small business and had to partially or fully close because of COVID-19. Your business can claim a maximum credit of 50% of the wages paid to staff in 2020 and 70% in 2021. And, of course, having organized payroll software can help you stay on track.
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How Remote Should Your Remote Work Strategy Really Be?
Zenefits
SEPTEMBER 7, 2022
One of the 1st considerations all HR managers and small business owners need to consider is the limitations of remote work. Businesses were concerned about cash flow and immediate solutions to lockdowns. And to get started, we need to answer 1 important question: What does your organization mean by “remote work?”.
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Helpful balanced scorecard template for strategy execution
Monday Task Management
MARCH 15, 2022
Larger organizations might require more detail — and of course, it depends quite a bit on the preferences of the executives for whom you’re preparing the BSC — but small businesses and startups can generally get away with something relatively simple. For example, the financial metrics this business is tracking are: ROI.
Helpful balanced scorecard template for strategy execution
Monday Task Management
MARCH 15, 2022
Larger organizations might require more detail — and of course, it depends quite a bit on the preferences of the executives for whom you’re preparing the BSC — but small businesses and startups can generally get away with something relatively simple. For example, the financial metrics this business is tracking are: ROI.
Customizable profit and loss template for SMBs
Monday Task Management
MARCH 15, 2022
You can then customize those rows and drop in your own data to quickly create a suitable P&L statement for your business. If you’re wearing a dozen different hats for your small business or don’t have a full-time accountant to devote to this task, it can be tricky getting started — and time-consuming once you get going.
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Which MBAs Make More: Consultants or Small-Business Owners?
Harvard Business Review
JUNE 28, 2016
Owners of small businesses can set their own hours, make their own management decisions, and take pride in the ownership of their work. So, the remaining question about being a small firm CEO is the monetary reward; if the money is nearly the same, then the compensation as a small business CEO dominates other careers.
Artisans Must Balance the Books
Harvard Business Review
NOVEMBER 23, 2010
His business had collapsed. He started very well, but as soon as his cash flow improved, financial burdens from family systems stifled his operations. As more people depended on him, he spent his working capital, and the business failed. Rather, they were abandoning their businesses because of bad bookkeeping.
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564 | The CEO’s Quiet Battle: Combating Isolation at the Top
Chris LoCutro
MARCH 5, 2024
And that is this whole idea of this quiet battle that leaders go through especially small business owners, and that is this whole thing of being isolated, and feeling isolated. And you're sitting there, maybe you're in an unhealthy place cashflow wise, within your business. I'm feeling all this stress.
Artisans Must Balance the Books
Harvard Business Review
NOVEMBER 23, 2010
His business had collapsed. He started very well, but as soon as his cash flow improved, financial burdens from family systems stifled his operations. As more people depended on him, he spent his working capital, and the business failed. Rather, they were abandoning their businesses because of bad bookkeeping.
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Use Data to Fix the Small Business Lending Gap
Harvard Business Review
SEPTEMBER 16, 2014
And limited credit is in part caused by the difficulty of predicting which small businesses will and won’t succeed. In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application.
A Refresher on Debt-to-Equity Ratio
Harvard Business Review
JULY 13, 2015
If your small business owes $2,736 to debtors and has $2,457 in shareholder equity, the debt-to-equity ratio is: (Note that the ratio isn’t usually expressed as a percentage.). They want to know, says Knight, “Does the company have the ability to develop revenue, profit, and cash flow to cover expenses?”
When It Pays to Think Like a Finance Manager
Harvard Business Review
MARCH 23, 2015
Most finance managers in both large and small businesses encounter numerous proposals for capital investments and many of the people proposing these investments don’t have a clear picture of what the return will be. To get the green light, it helps to understand how finance people think. Of course not.
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539 | The Pros & Cons: Taking Out a Loan
Chris LoCutro
SEPTEMBER 12, 2023
This business is teaching you a lot of my mistakes, a lot of the dumb that I've done, right of having made stupid decisions, having put myself in bad situations, and leveraging myself in bad ways. So when you walk into a bank asking for money for your small business, who are they going to ask for a signature?
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How Banks Can Compete Against an Army of Fintech Startups
Harvard Business Review
APRIL 26, 2017
Lending to small and medium-sized businesses is ready to move online. Small businesses are starting to demand banking services that have engaging web and mobile user experiences, on par with the technologies they use in their personal lives. The problem is that about 60% of small businesses want loans below $100,000.
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Small and Young Businesses Are Especially Vulnerable to Extreme Weather
Harvard Business Review
NOVEMBER 23, 2016
Small businesses and young businesses are especially vulnerable. Census Bureau shows that these businesses were more likely than the average business to close permanently after Hurricane Katrina, for example. Second, young businesses tend to grow faster than older ones, but also fail at greater rates.
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How to Avoid Shocking Legal Bills
Harvard Business Review
MAY 1, 2012
As an entrepreneur or small business owner, nothing can strike terror into your heart like the arrival of a fat envelope containing what you know to be the latest invoice from your law firm. You don't have to resign yourself to sickening surprises or invoices that destroy your cash flow projections.
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559 | How To Get More Priorities Done
Chris LoCutro
JANUARY 30, 2024
It's like I was saying, when you don't understand what your capacity is, to accomplish the goal that you're setting when you don't understand, and I'm talking about everywhere, team members, money, cash flow, tools, footprint, right? So for a small business, we might be able to grow 40 to 60%. And we do just fine.
Entrepreneurship: A Working Definition
Harvard Business Review
JANUARY 10, 2013
But like the terms "strategy" and "business model," the word "entrepreneurship" is elastic. For some, it refers to venture capital-backed startups and their kin; for others, to any small business. For some, "corporate entrepreneurship" is a rallying cry; for others, an oxymoron.
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Why I Challenged My Kids to Start Companies Before College
Harvard Business Review
JANUARY 22, 2016
My older daughter, Heather, ran a scrapbooking business, hosting classes where people came and learned to create customized scrapbooks, and selling related supplies, too. She also ran another small business, digitizing old photos and then editing the digital copies to make them look better.
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The Rise of Social Graphs for Businesses
Harvard Business Review
FEBRUARY 2, 2015
Payment startups like Square and cash-flow management startups like Pulse App also capture transaction data that can help them map out commercial graphs for small businesses. LinkedIn’s Sales Navigator shows the company’s intent to move beyond connecting professionals to connecting companies.
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15 The End of Banks as We Know Them?
Harvard Business Review
SEPTEMBER 12, 2013
Community financing refers to a form of cash-flow that channels the financial resources of the savers of a community into the well-being of that community via economic activities, which members of the community believe should be undertaken and therefore willingly supports with their savings. It is something I call community financing.
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How to Work Confidently with Numbers People
Harvard Business Review
SEPTEMBER 2, 2015
You need to understand the two or three that drive your organization’s profitability and cash flow.” Try to understand all of the data available to you—select the two or three metrics that drive your company’s cash flow and profitability and concentrate on those. That’s too many.
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What the Media Industry Can Teach Us About Digital Business Models
Harvard Business Review
JUNE 10, 2015
The basic point was that online advertising was too small, and that transaction sizes were too insignificant to be anything other than a step down for companies used to rich cash flows. But there is nothing inherently wrong with digital pennies, if you have the right business model.
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14 Why Data Breaches Don’t Hurt Stock Prices
Harvard Business Review
MARCH 31, 2015
bank in assets, JP Morgan Chase , announced that in August, hackers had accessed its security system and that approximately seven million small businesses and 76 million households had been affected by a data breach. In the beginning of October, 2014, the largest U.S.
How CMOs and CROs Can Be Allies
Harvard Business Review
MARCH 26, 2015
CROs can increase market share among underserved customers, such as small business owners and the “unbanked” (i.e., those without bank accounts), by adopting the more dynamic “customer life cycle” view.
Using Thought Leadership in Start-Ups | Eric Youngstrom
Peter Winick
NOVEMBER 14, 2022
You’re going to, you know, in the case of onramp, you’re going to help more small business owners be sustainable and reach escape velocity with your working capital solutions. The accountants have intel of small businesses use QuickBooks. The accountant and says to the small business owner use QuickBooks.
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242 Severe Weather Threatens Businesses. It’s Time to Measure and Disclose the Risks
Harvard Business Review
SEPTEMBER 14, 2017
Research shows that abnormal weather disrupts the operating and financial performance of 70% of businesses worldwide. When weather conditions are on average adverse over days, weeks, or entire seasons, shortfalls in sales cause reduced cash flows and can lead to financial distress and business failure. alone, or 3.5%
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