About 1 in 3 Americans have a part-time job on top of their full-time 9-to-5 job. It’s so common there’s a slang term for it: side hustle. Of the Americans who have one, almost 80% of them want their side hustle to become their only job. In essence, these Americans want to become freelancers: people who work for themselves instead of someone else. If working for yourself sounds good to you, you might want to start by opening a business bank account.
If you’re a small business owner, it might feel counterintuitive to have a business checking account with the goal of keeping a $0 balance. But that’s actually the whole point of a Zero Balance Account: You use that dedicated checking account to fund a specific expense, such as payroll, departmental spending, petty cash, travel reimbursement, or any other business need. Funds are sent to a particular Zero Balance Account only when necessary to cover checks or debits. At the end of every day, any money in the Zero Balance Account is transferred back to the primary account.
You’ve decided to take your small business to the next level with a small business loan. But how do you get a small business loan? While it’s exciting to see your small business take off, applying for a loan can be complicated and intimidating. That’s why we created this 5-step guide to help you apply for a small business loan.
If you’re a small business owner, you probably started your business because you wanted to be your own boss, have the freedom to make your own decisions, set your own schedule and determine your own career path.
You probably didn’t start your business because you love doing taxes. And the challenges small business owners grappled with due to the pandemic have led to both headaches and heartaches for small businesses filing their taxes in 2020. It’s a problem that will persist in 2021, and possibly beyond.
Small business owners plan for the holiday season
months in advance. From securing inventory to outlining sales strategies for their e-commerce site, preparing for the holiday season can be stressful … especially when it comes to keeping your customers’ information safe and private from cyberattacks. Everyone is susceptible to cyberattacks, and the holiday season makes small businesses particularly vulnerable. Since small businesses have limited staff, small information technology (IT) departments, and often little money set aside for remediation, they’re often prey to cyber threats.
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