MoneySmall Business

7 Ways Your Small Business Can Spend Smarter

When you’re running a small business with tight margins, every transaction counts. Inflation and labor shortages have made it an especially difficult year for businesses already struggling due to the aftermath of the pandemic. According to a 2022 Guidant Financial survey…
MoneySmall Business

How to Finance a Business Purchase

Not all new business owners’ journeys start from nothing — some entrepreneurs buy an existing small business instead. You can finance a business purchase with a loan from a variety of lenders, including traditional banks, online lenders and the Small Business…
MoneySmall Business

What Are Typical Small-Business Loan Terms?

Small-business loan terms determine how long a small-business owner has to pay back their borrowed money, plus interest. Typical loan terms, also referred to as repayment terms, can vary from a few months to 25 years — it depends on your lender and the type of business…
MoneySmall Business

Fidelity Bonds: What They Are, How to Get One

Fidelity bonds are insurance policies that protect a business’s finances in case an employee steals from the business or commits fraud. Fidelity bonds are also known as employee dishonesty insurance. You can buy a fidelity bond on its own or as part of a commercial crime…
MoneySmall Business

Best Barcode Label Printers for Small Business

The best barcode label printers make it easy to create and print codes that help you track your inventory. Thermal printers, which use heat to print, eliminate the need for ink and can print hundreds of labels per minute. Some barcode printers are also compatible with…
MoneySmall Business

How to Get a Loan to Buy a Business

Not everyone wants to take on the challenge of building a business from the ground up. An attractive alternative can be to step into a business that’s already up and running by purchasing it from the current owner. Some advantages of buying a business may include easier…
MoneySmall Business

Are There SBA Loans for the Self-Employed?

Many of the same SBA loans are available to both self-employed people and more formally structured businesses, such as limited liability companies and corporations. However, self-employed individuals, like sole proprietors and independent contractors, might face a higher…
MoneySmall Business

9 Best Factoring Companies for Trucking

Factoring companies for trucking, also called freight factoring companies, give trucking companies cash in exchange for outstanding invoices. They can be helpful to trucking companies that need working capital quickly or don’t have the staff to manage invoicing and…
MoneySmall Business

What Is a White-Label Payment Gateway?

Online businesses need a payment gateway, a portal where customers can securely enter their payment information to process transactions on their websites. White-label payment gateways, unlike traditional gateways, let businesses customize the online checkout process with…
MoneySmall Business

Best Payment Processors for High-Risk Merchants

High-risk merchants operate in industries that are age-restricted, such as cigarettes and tobacco, or have high rates of fraud or chargebacks, such as dropshipping, nonprofits or web design. These businesses often struggle to find merchant account providers and payment…
MoneySmall Business

Business Insurance Near You: How to Find an Agent

If you’re looking for business insurance near you, you’re probably searching for a local agent you can trust. After all, you might get small-business insurance from this person for years and rely on them for help navigating crises like natural disasters and employee…
MoneySmall Business

Best Cash Registers for Small Businesses

Many small businesses still work well with an old-fashioned stand-alone cash register, but businesses that sell online or in multiple locations may benefit from a point-of-sale system with a touch-screen terminal instead. If your business only needs to process payments and…
MoneySmall Business

2022 Best Cities for Freelancers

The pandemic has created more opportunities for remote, self-directed and freelance work than ever. Today, around 10 million Americans say they’re working for themselves in some capacity. The opportunity to work from anywhere is indeed enticing to many, and it begs an…