The typical small-business owner does not experience banking as a separate department. Banking is something that happens in the middle of everything else. A customer payment arrives while the owner…
Most small businesses do not begin with carefully designed financial systems. They begin because somebody can sell a service, build a product, repair something, consult for clients or find another…
A surprising number of small-business owners spend their first year watching only one number: revenue. They know how much customers paid this month, whether sales are improving and whether the…
There is a stage in the life of a small business when the owner has clearly moved beyond casual freelancing but still does not operate anything that resembles a traditional…
Most small businesses do not begin with a finance department, a carefully designed accounting system or even a clear idea of how business money should be managed. They begin because…
For decades, business banking was built around a fairly simple assumption: a business was an organization with an office, employees, a bookkeeper and enough administrative structure to justify walking into…
There is a particular stage in running a small business when the money starts looking serious before the business itself feels serious. Maybe it begins with a few freelance jobs…
A small business can survive for a surprisingly long time with financial habits that were never designed for a business. A freelance designer gets paid into an old checking account.…
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