Business Finance Sitemap - Page 1 2016-09-26

How to Get Your Business Listed in the Online Business Directories
Is your business listed online? Learn how to get your company listed in the online business directories, local listings and search platforms.

Payback Period - A Capital Budgeting Decision Method
Payback period is a capital budgeting decision method that has been in use in business for a long time. It has some advantages and many disadvantages.

Prepaid Business Credit Cards: A New Twist on an Old Business
Should you use prepaid business credit cards for your company? Discover the key advantages of prepaid business cards and how it can benefit your business.

How Do You Do Financial Statement Analysis?
In order to stay solvent and profitable, financial statement analysis is a necessary activity for a business firm to perform on a regular basis. Here are some of the best techniques to use for financial statement analysis.

Ways to Get Funding for Your Startup Business
Looking for funding for your start up? Discover seven ways you can fund your startup business without relying on traditional business loans.

Definitions and Examples of Opportunity Cost
The term opportunity cost is often used in finance and economics when trying to choose one investment, either financial or capital, over another.

Budgeting for Business Definition
Budgeting is the process of preparing a detailed statement of financial results expected for a time in the future.

How to Calculate Dividend per Share
A company's dividend payments record can be a useful analysis tool, but other information related to dividends and earnings should be considered.

What Is the Debt to Equity Ratio? How Is It Calculated?
The debt to equity ratio measures the riskiness of a company's financial structure. Here is the formula and an explanation.

The Enron Scandal That Prompted the Sarbanes-Oxley Act
The Sarbanes-Oxley Act of 2002 responded to early 21st century corporate frauds by tightening the rules on corporate governance and accountability.

The Benefits of Monitoring Your Business Credit Scores
Are you monitoring your business credit reports? Discover the benefits of monitoring business credit scores with the major business credit agencies.

Top 10 Affordable Business Ideas In 2016
Looking for an affordable business that you can start from home? Discover the top ten business ideas to start from the convenience of your own home.

Prepare a Statement of Cash Flows (Using Direct Method)
A business owner can prepare the Statement of Cash Flows using one of two methods - the direct method or the indirect method. This article gives the pros and cons of each.

Inside Fixing Financial Challenges by Advancing Cash for Invoices
Tired of waiting to get paid on outstanding invoices? Learn how to overcome the cash flow gaps by getting a cash advancement on unpaid invoices.

Top 7 Secrets of Running a Successful Crowdfunding Campaign
Is crowdfunding right for your business? Learn what it takes to run a successful crowdfunding campaign so you can raise the funds your business needs.

Looking to Buy a Franchise? Here's How to Get Financing
Are you looking to purchase a franchise? Learn various options available to obtain the funding you need to start your new business venture.

Discover the Top Sources of Capital for Business Owners
What type of funding is best for your business? Discover the top sources of capital for small business owners and entrepreneurs in the marketplace.

How a Business Plan for a New Business Makes All the Difference
Do you have a business plan written for your business? Learn how writing a business plan can enable you to build a clear path for success for your company.

Tips On How To Develop An Effective Employee Credit Card Policy
Does your company have an employee credit card policy? Learn what effective steps to take to create an effective credit card policy for your employees.

5 Key Tips on How to Prepare for an SBA Loan
What does it take to prepare for an SBA Loan? Learn five key tips to better prepare yourself when applying for an SBA business loan.

Overwhelmed with Small Business Debts? Consider a Debt Relief Program
Is your business struggling with debt? Learn how a debt relief program can help you better manage your company's debt loads without resorting to bankruptcy.

The Benefits of Accepting Credit Cards on Your Website
Why accept credit cards on your website? Discover how your business can benefit by accepting credit cards as a method of payment online.

Revealed: 5 Top Tips For Starting a Home Based Business
Thinking about starting a home based business? Discover five of the top tips for launching, operating and growing a business from home.

Amortization Schedule for a Business Loan
Loan amortization means how much interest and principal you have to pay on a loan with each payment, and when the loan is repaid.

Approved and Guaranteed Benefits of Accepting Credit Cards for Payment
Does your business accept credit cards as a form of payment? Discover the approved and guaranteed benefits of accepting credit cards from customers.

Can You Get a Free Business Credit Report Online?
How can you get a free business credit report online? Learn the truth about getting free business credit reports and what services are truly free.

Asset Growth in Small Business Firms
As small businesses grow their sales, asset growth should be controlled and production has to be matched to sales needs.

How to Calculate the Future Value of an Investment
The future value of a lump sum investment is one type of time value of money calculation. Here are three different ways of making this calculation.

How to Calculate the Present Value of a Sum of Money
The present value of a sum of money is one type of time value of money calculation. Here are three methods you can use to make this calculation.

Ending Finished Goods Inventory Budget
The ending finished goods inventory budget is necessary to complete the cost of goods sold budget and the balance sheet. It is part of an operating budget.

How to Prepare a Cost of Goods Sold Budget
In order to develop the cost of goods sold budget, you need information from the direct material, direct labor, overhead and inventory budgets.

Preparing a Selling and Administrative Expenses Budget
One of the budgets making up the operating budget for a business firm is the Selling and Administrative Expenses Budget. Find out more here.

Calculate the Present Value of an Ordinary Annuity
The present value of an ordinary annuity is one type of time value of money calculation. Here are three methods you can use to make this calculation.

Key Factors that Make Up an Effective Business Plan
What factors make up a sound business plan? Learn the key ingredients that make up an effective business plan and what steps to take.

Need Net 30 Vendors? Ultimate Guide to Conserving Cash Flow
Looking for net 30 vendors? Learn the benefits of vendor lines of credit, where to find them and how to best use supplier credit lines wisely.

How to Establish Business Credit Fast
What does it take to start establishing credit for your business? Learn what steps to take to start getting credit for your company faster and easier.

Banks Giving You A Rough Time? Business Financing Alternatives to Consider
Looking for alternative methods of financing? Discover two sources of financing that may provide your business the quick access to cash it needs.

Will a Corporate Credit Service Help the Future of Your Business?
What are the benefits of using a corporate credit service? Learn how corporate credit services assist companies in acquiring credit and funding.

What Do Lenders Look For in a Creditworthy Business?
What does it take to secure funding for your business? Discover the key factors that lenders look for to assess the creditworthiness of a business.

How to Maximize Your Company's D&B Paydex® Score
What is your company's Paydex® score? Learn how to improve your rating with Dun & Bradstreet so you can maximize your company's funding potential.

Benefits of a Corporate Credit Line to a Business
What are the benefits of a corporate line of credit? Discover how a line of credit can help your business gain access to the cash it needs for growth.

What is My DUNS Number?
How do I find my DUNS Number? Learn how to search for a Dun & Bradstreet ID Number and how to obtain a D-U-N-S Number if your company is not listed.

7 Surefire Ways to Build Corporate Credit
How do you get credit for your company? Learn seven proven ways to build corporate credit for your startup or existing business.

4 Ways to Get Business Credit Cards with No Credit
Having trouble acquiring credit for your business due to a lack of credit history? Learn four ways to get business credit cards with no personal credit history or scores.

What is the Easiest Business Credit Card to Get?
Looking for the easiest business credit card to get? Discover what factors to consider before applying for a company credit card and where to look.

Creative Ways To Raise Funding For Your Startup Business
Looking for creative ways to fund your startup business? Discover some unconventional ways to get the money you need to launch your new business.

The Power of Business Credit for Small Business Owners
Is your business creditworthy? Discover the benefits of establishing business credit and how to leverage strong credit ratings to your advantage.

Internal Sources of Business Capital
Operating income and fixed assets sales are two internal sources of business financing; others are stock sales, owner's investment and debt collection

The Sales Budget is Central to Effective Business Planning
Here is an example of a developed sales budget from forecasted sales.

Differences Between Venture Capital and Angel Investing
Even though venture capital and angel investing are both ways for a fledgling firm to obtain equity financing and get off the ground, only a few will qualify and be of interest. It is worth pursuing, however, for many businesses particularly in New Economy fields such as biotech, software, and just about any technology field. Here are some differences between venture capitalists and angel investors.

Definition of Cost-Plus Pricing in Business Finance
Cost-plus pricing is a simply process for determining the selling price of your product or service, based on cost and ensuring a profit.

The Production Budget
The production budget tells the business owner how many units of the product to produce to meet sales needs and ending inventory requirements.

What Is Return on Invested Capital?
Return on invested capital is a performance and profitability ratio indicating how much investors in a business are earning on the capital invested.

Taxes as a Sole Proprietor: Forms for Paying and Filing
Sole proprietorships pay taxes through the owner's individual taxes. Nevertheless, there are specific forms that they must use. Here is a list and instructions for these forms for filing and paying taxes for a sole proprietorship.

What is Capital Structure For Small Business?
Capital structure is the composition of long-term liabilities, specific short-term liabilities, common equity, and preferred equity.

Accounts Payable Management and Supplier Relationships
Good accounts payable management can have a major impact on the profitability of a business firm. Business firms should build trust with suppliers.

Creating a Business Action Plan - Questions to Consider
A business action plan is an internal document that potential small business owners should develop before starting a new business or developing a full business plan. Here are several points that need to be addressed in a business action plan.

What Are Horizontal and Vertical Mergers
Horizontal and vertical mergers are two types of non-financial mergers that occur along business and industry lines.

Why Small Business Equipment Financing May Be Just What You Need
Why consider small business equipment financing? Learn how to solve tight business situations through the power of leasing or getting an extension of credit.

Establishing Business Credit Doesn’t Have to Be Ugly
Is establishing business credit a difficult process? Learn how to avoid the mistakes and roadblocks during the business credit building process.

What Is a DUNS Number; How Does it Affect my Business?
What is my Dun and Bradstreet Number? Learn how to check if your business has a DUNS Number and how to obtain a DUNS Number if you don't have one.

3 Ways to Get a Restaurant Business Loan with Bad Credit
Is it possible to get a restaurant business loan with bad credit? Discover what alternative loan options are available in today's lending environment for the unbankable business owner.

Small Business or Startup Need Help? Top 25 Supportive Websites
Does your small business or startup need help? Discover the top 25 sites offering free information, tools, resources, support and training.

4 Significant Benefits of Forming an LLC
What are the benefits of forming an LLC? Learn the advantages of the limited liability company and how to can benefit your small business.

#1 Reason to Start Building Credit for Your Small Business
Why should you start building credit for a small business? Discover the number one reason why establishing a creditworthy business is crucial today.

Crowdfunding: Funding Support from Everyone, Everywhere
Did you ever consider crowdfunding? Learn how successful crowdfunding may help you raise the funds you need to grow your business.

The Two Types of Credit to Help Grow Your Business
Do you know what types of credit are available for your company? Learn the difference of unsecured and secured credit lines and how to apply.

Trade Credit Lessons You Can Benefit From Today
What is trade credit and how does it benefit business owners? Discover how trade financing works, the pros and cons, and what to look out for.

Discover 5 Easy Ways To Get Business Credit
What are the first steps to establishing a creditworthy business? Learn how to get business credit easily without putting your assets at risk.

Calculation of Cost of Retained Earnings (Common Stock)
The calculation cost of retained earnings is an opportunity cost and the cost of common stock used in the weighted average cost of capital formula.

Example: Bookkeeping Entry When Buying on Credit
A small business often buys from a number of vendors or suppliers using store credit or credit based on their relationship with the supplier

Guide to Profitability Index in Business Finance
The profitability index is an indication of the costs and benefits of investing in a particular capital project by a business firm.

Time Value of Money - Discount Cash Flow Analysis
Time value of money is a core principle of small business financing operations. It's the basis of discounted cash flow analysis when analyzing assets.

Cost of Capital for a Business
A company's cost of capital is the cost of money the company uses to finance their operations and purchases of assets. Cost of capital is important because the company has to be vigilant and sure that their cost of capital is lower than their return on capital.

Calculate Weighted Average Cost of Capital
Calculating the weighted average cost of capital allows a business to compare how much it costs to finance the company's operations versus how much the company earns on its investments.

Contribution Margin Income Statement
Here is an example of a contribution margin income statement illustrating breakeven in dollars.

What Is the Contribution Margin?
A contribution margin is the amount of money a business has to cover its fixed costs and contribute to net profit or loss after paying variable costs.

Contribution Margin Ratio Definition and Calculation
Contribution margin ratio indicates the percentage of each unit sale available for fixed cost and profit generation.

Should Firms Pursue Shareholder Wealth Maximization?
Shareholder wealth maximization or maximizing the value of a business firm's stock price should be the goal of businesses in capitalist societies.

What Is the Agency Cost for Business?
Agency cost is the cost of disagreement between shareholders and managers, who may not agree on what is best for the business. Learn why this happens.

Discounted Payback Period as a Capital Budgeting Method
The discounted payback period (DPP) is one of several capital budgeting methods business owners can use to evaluate capital projects in their company.

Capital Budgeting and Its Importance in Business
Capital budgeting is the process of determining which long-term capital investments should be chosen by the firm during a particular time period.

Internal Rate of Return (IRR) vs Net Present Value
Internal rate of return (IRR) is one of several decision methods that financial managers use when evaluating a capital budgeting project.

What Is Pricing and How Is Price Set?
Price differs from cost. Most pricing methods rely on one of three strategies: cost-based pricing, competition-based pricing or demand-based pricing.

Why Do Companies Merge? Mergers and Acquisitions
Companies merge and acquire other companies for many reasons. Here are some of the common financial reasons for corporate mergers and acquisitions.

What is Leverage? Operating and Financial Leverage
Business and financial risk refer to the amount of leverage a business firm employs.. Learn about what leverage is in this article.

Conglomerate and Cogeneric Mergers - Definition
There are two types of mergers that involve basically unrelated types of business firms. Those are congeneric mergers and conglomerate mergers.

How to do Cost-Volume-Profit (CVP) Analysis
Cost-volume-profit (CVP)analysis is one of the major tools of financial analysis. Managers use the contribution margin to plan for the business.

Cash Flow and Liquidity Management for Small Businesses
Cash flow is king in small business. Without cash and liquidity management, a business will not survive. Ratio analysis is one tool of cash management.

Cash and Liquidity Management for Small Businesses
Cash is king in small businesses. Without cash and liquidity management, small businesses will not survive one day. Cash management involves managing accounts receivable, inventory, and accounts payable. Financial ratio analysis is one tool of cash management. Page 2.

How Economic Indicators Help You Understand the Economy
Economic indicators, released monthly and quarterly, help us understand the state of the economy. Some of them are the Gross Domestic Product, Consumer Price Index, Unemployment Index, Consumer Confidence, Producer Price Index, and others.

State of the Economy in 2009 - Stock Prices
Economic indicators, released monthly and quarterly, help us understand the state of the economy. Some of them are stock prices, which show investor confidence. Page 2.

How Banks Establish Interest Rates on Business Loans
Banks use benchmarks to calculate interest rates on small business loans. The annual percentage rate or APR is usually based on the prime interest rate.

Commercial Bank Loans for Small Businesses
Small businesses have to obtain financing in order to survive. Learn what you need to know about small businesses and commercial bank loans.

Micro Small Business Loans: Does Your Business Need Capital Injection?
What is a micro small business loan? Learn the benefits of micro lending and where your business can obtain the funding it needs.

Setting Up Merchant Accounts for Credit Card Processing
Setting up a merchant account and offering a wide range of merchant services will help ensure that customers keep coming back to your business.

Just-in-Time (JIT) Inventory Management
Just-in-time inventory management minimizes inventory carrying costs and maximizes return on investment in inventory.

An Overview of Thrift Institutions
A thrift institution exists primarily to accept consumer deposits and make mortgage loans but does have business services as well.

Inventory Cycle for Manufacturers and Retailers
The term inventory cycle means different things to companies in different verticals. Learn how inventory cycles are used by manufacturers and retailers​.

Asset Management Ratios - Efficiency - Turnover
Business firms need to know how effectively their assets generate sales. Asset management ratios or turnover ratios can help them determine this.

Example of a Bookkeeping Entry When Selling on Credit
This is an example of how to handle a double-entry bookkeeping journal entry when selling a product or service on credit.

What Are Market Value Ratios and How Are They Used?
Market value ratios can help investors and business owners determine the health of a publicly-traded company by comparing different metrics.

Book Value per Share Financial Ratio
Book value per share is a market value ratio that is used for accounting purposes by financial managers or owners of business firms.

Write a Profit and Loss Statement: Improve the Bottom Line
Do you know how to write a profit and loss statement? Learn the importance of making a profit and loss statement so you can improve the bottom line.

Discover Why Small Business Owners Need Accounting Software
How are you maintaining your company's accounting records? Discover why small business owners need cloud accounting software.

How to Calculate Interest Rates on Bank Loans
If you're about to take out a loan, it's critical to understand how interest rates are calculated on different types of loans. Here's a guide.

Financing Your Small Business: Pledging Accounts Receivable
Assigning, or pledging, accounts receivable to obtain business financing for your small business is a good way to raise short term cash.

Profitability Ratio Analysis
Profitability ratios are crucial ratios in financial analysis to company investors. Analyzing the profitability ratios is an important task.

Grow Your Small Business with Financial Forecasting
Small business owners need to plan ahead to succeed. Learn how to forecast your finances with pro forma statements. Financial forecasting basics.

The Stock Market - The Recession, Small Business, How the Stock Market Works
The recession has been devastating to small business owners. This explanation of the evolution of the recession and the role of the stock market and the financial markets may help small business owners know how to react.

The Stock Market is a Leading Indicator
The recession has been devastating to small business owners. This explanation of the evolution of the role of the stock market on small businesses. Page 2.

Cost-Effective Marketing Strategies for Small Business
Marketing is necessary for your small business to survive, but it doesn't have to be expensive. Here are 8 cost-effective marketing strategies to try.

Small Business Administration Loan Programs for Small Businesses
The Small Business Administration (SBA) offers a number of loan programs for small businesses. Loan programs include the 7a program for working capital needs, the 504 program for community development and real estate needs, the Patriot Express program for the military, and many special programs for a variety of needs of small businesses.

Small Business Administration Loan Programs: SBA Special Purpose Loans
The Small Business Administration (SBA) offers a number of loan programs for small businesses. Loan programs include the 7a program for working capital needs, the 504 program for community development and real estate needs, the Patriot Express program for the military, and many special programs for a variety of needs of small businesses. Page 2.

What Does it Take to be a Successful Entrepreneur?
Some people have the characteristics that make successful entrepreneurs and small business owners and some don't. Learn what it takes to become one.

How To Start a Business Doing Outsourcing Work
Discover outsourcing opportunities. You can start a profitable new business during a recession doing outsourcing work for other companies.

How to Start a New Business
If you want to start a new business, there are steps you must take to get it off the ground. This guide provides eight steps to help you on your way.

How to Prepare a Statement of Cash Flows
Here is a line-by-line explanation of how to prepare a statement of cash flows using the indirect method, complete with sample statement.

How to Make Adjusting Entries in Accounting Journals
Adjusting entries are made in your accounting journals at the end of an accounting period. The purpose is to adjust revenues and expenses.

Bookkeeping and Accounting for Small Business
Bookkeeping is the process of record keeping for small business. Accounting is the function of interpreting the books and presenting the information.

How to Make a Business Budgeting Worksheet
Budgeting is one of the most important functions that make a small business successful. Here are six steps to help make a business budget work.

Cash Budgeting and How to Use It in Business
This is a profile of one type of budgeting - cash budgeting. Cash budgeting is a short-term form of cash flow analysis.

What Did Bernie Madoff Do?
What did Bernie Madoff do? He pulled off one of the biggest investor fraud schemes ever through using a Ponzi scheme over three decades.

Asset Management Ratios and Generating Revenue
Asset management ratios tell a small business how efficiently it is utilizing its assets to generate sales.

What is a Fixed Asset Turnover Ratio?
Asset turnover ratios measure a firm's ability to use its assets to generate sales. Fixed asset turnover ratio measures investment.

The Meaning and Use of Gross Profit Margin
The gross profit margin is a profitability ratio that compares a company's total revenues with the revenues remaining after deduction of sales costs.

The Return on Investment Ratio Explained
The return on assets ratio, or ROI, is a profitability measure that evaluates a business or investment by dividing net profit by net worth.

The Times Interest Earned Ratio and What It Measures
The times interest earned ratio is a debt ratio that measures how well a business can cover its interest expense.

Financial Ratio Analysis - Liquidity Ratios
The quick ratio is a measure of liquidity than looks at whether a company can pay its immediate liabilities with its liquid assets.

Use Trend and Industry Analysis to Find Your Debt Ratio
In order for financial ratios to mean anything, a firm has to have something to compare them to. Usually that means data from previous quarters or years of the firm's financial statements. It can also mean data from companies in the firm's industry.

Capitalization of a Start-Up
Capitalization is the funding that allows a business to open its doors. It's also called funding, backing, investment and owner's stake.

What is an Initial Investment?
An initial investment is the money a business owner needs to start up a firm. It may include the business owner's money, money from investors, or borrowed money.

Basics of LIFO and FIFO Inventory Accounting Methods
LIFO and FIFO are the two most common methods of inventory accounting in the U.S. Learn how they affect your company's bottom line differently.

Inventory Investment Affects Profits and Cash Flow
The amount of your business's inventory investment affects your profit and cash flow. Analyze dead inventory that is dragging down profitability.

How Financial Statements Are Related to Each Other
Income, Retained Earnings, and Cash Flow statements are related to and based on the accounting equation; learn how they relate with one another.

How to Do a Budget Analysis for your Business
Cash flow can be defined as the way money moves into and out of your business. Here's how to do a budget analysis so you can stay in business.

The Taxation of Online Sales - Internet Sales Tax Exemption - e-commerce
Online retailers don't have to charge sales tax to their customers unless they have a physical presence in the customer's state. Some say this gives them a major advantage. There is a growing movement to require online businesses to charge sales tax to help state and local governments with their revenue.

Online Business and Sales Tax
Online retailers don't have to charge sales tax to their customers unless they have a physical presence in the customer's state. Some say this gives them a major advantage. There is a growing movement to require online businesses to charge sales tax to help state and local governments with their revenue. Page 2.

How to Claim Business Meetings as Tax Deductible
The cost of employees attending meetings associated with your business is at least partially deductible, according to the Internal Revenue Service.

Contract Labor - A Tax-Deductible Expense
You can deduct contract labor services provided to your business under certain conditions.

Salaries and Wages as Tax-Deductible Expenses
Salaries and wages paid to employees are tax-deductible business expenses. Other items also fall under the salaries and wags categories.

Business Licenses and Permits as Deductible Expenses
Small businesses pay a number of licenses and permits in order for them to legally operate, which are tax deductible.

How do We Prevent Another Financial Crisis?
Finding common ground on financial reform and the prevention of another financial crisis such as we experienced in the fall of 2008 is tricky.

Differences Between Capitalism and Socialism
Capitalism and socialism are political, economic, and social systems that differ in several important ways. Learn why the US is considered capitalist.

Pricing your Product Using Markup
Pricing your product or service using markup is one popular pricing strategy. Doing it correctly can mean the success or failure of your business.

Small Business Investment Companies
Finding sources for startup business financing is often difficult. Read about angel investors, and small business investment companies. Page 2.

Cash Disbursements Journal and Cash Management
The cash disbursements journal, also known as the cash payments journal, is an accounting form used to record all cash outflows.

The Income Statement for Financial Ratio Analysis
This is the income statement we're going to use for the financial ratio analysis tutorial.

Analysis of Asset Management Ratios - Fixed Asset Turnover, Total Asset Turnover, Inventory Turnover
Analyzing the asset management ratios tells you how efficiently the firm uses its asset base to generate sales.

Analyzing the Debt Management Ratios - Financial Ratio Analysis
Calculating the debt management or debt utilization ratios for the business firm tells you how the firm is financing their business and how well they can meet their debt obligations.

Analyzing the Profitability Ratios - Financial Ratio Analysis Tutorial
The profitability ratios are the summary ratios of financial ratio analysis, incorporating the other ratios.

Financial Ratio Analysis of XYZ Corporation - Tutorial
Here is the summary analysis using the 13 financial ratios.

Balance Sheet for Financial Ratio Analysis
Here is the balance sheet we will use for the financial ratio analysis tutorial.

Analyzing the Liquidity Ratios
Analyzing the liquidity ratios of the business firm will give you a picture of how well they can meet their short-term debt obligations.

Analyzing the Asset Management Ratios - Accounts Receivable
Analyzing the asset management or asset utilization ratios of the company tells you how efficiently they use their asset base to generate sales.

Financial Ratio Analysis Tutorial 101
This first financial ratio analysis tutorial will get you started learning to analyze the financial position of your firm through simple ratio analysis.

How to Record Debits and Credits for Expense Accounts
There are accounting conventions governing how to record debits and credits for expense accounts from the income statement.

Debits and Credits in Double-Entry Bookkeeping
Debits and credits are the accounting convention used to record business transactions in journal accounts. Learn the difference and how to use them.

Assets - How to Record Debits and Credits
There are accounting conventions concerning how to record transactions as debits and credits for asset accounts.

Record Debits and Credits for Revenue Accounts
There are accounting conventions regarding how to record debits and credits for revenue account transactions. Page 6.

Record Keeping for Small Businesses
Keep good tax records and you can maximize your deductions for your small business and minimize your income. Here are eight record keeping tips.

7 Best iPhone & Android Apps for Business Finance
Put your phone or device to work for you. Discover 7 of the best apps that will help you manage your business finances in a mobile world.

How to Record Debits and Credits as a Journal Entry
There is an accounting convention about how to record debits and credits as journal entries.

Liability and Owner's Equity Accounts (How to Record)
There are accounting convention concerning how to record debits and credits for liability and owner's equity accounts. Page 4.

Types of Capital Investment Projects
Different types of capital investment projects exist for a company. All types are subject to capital budgeting decisions and financial analysis.

Preparing a Statement of Retained Earnings
At the end of your accounting cycle, you will need to prepare a Statement of Retained Earnings. Learn the elements of a Retained Earnings Statement/

The Top Financial Events of the Decade
There have been important, society-changing financial events that have happened in the first decade of the 21st century. Here are the top ones.

Why Have a Business Bank Account?
You should always keep your business banking and personal banking separate. Here are five reasons why you should have a business bank account.

How to Apply for a Small Business Loan
The series of steps that small businesses must take in order to apply for a loan, How small businesses can successfully apply for a loan.

What Are the Five Categories of Financial Ratios?
These financial ratios in five categories determines some aspect of the company's health. Together they provide an economic profile of the business.

Important Cash Flow Ratios for Analysis
Cash flow analysis uses ratios that focus on cash flow and how solvent, liquid, and viable the company is.

8 Reasons to Get a Small Business Credit Card
Why get a small business credit card? Discover eight compelling reasons why business owners should consider getting a credit card for their company.

VA Loans - Small Business Loans for Veterans
VA loans for small businesses are there to help veterans and military personnel. The Patriot Express Loan can help, so can other loans available.

Documents Needed to Prepare a Statement of Cash Flows
Before you can prepare a statement of cash flows, you'll need an income statement and comparative balance sheets. Learn how with this guide.

What Is the Gearing Ratio and How Is It Calculated?
The gearing ratio is the ratio of corporate debt to shareholder equity. High ratios increase returns on investment, but also increase financial risk.

How to Calculate the Cost of Preferred Stock
Preferred stock is often the cheapest source of financing for a business after debt financing. Learn the calculation for the cost of preferred stock.

Areas of Accounting In Business
Financial management of a business firm has two parts - finance and accounting. There are a number of areas of accounting that businesses have.

Bank Term Loans for Small Business
Small businesses have always survived on the strength of bank loans which have a term (length of maturity) and interest rate.

Understanding the Primary Areas of Business Finance
Finance is one of the most important functional areas of business and within a firm. Learn about the primary areas of business finance.

Sole Proprietorship Liability and How to Protect Yourself
Is your business designated as a sole proprietorship? Learn the liability associated with sole proprietorships and how to better protect yourself.

How to Qualify for the Highest Credit Card Limit: Things to Look Out For
Getting ready to apply for a credit card for your business? Learn the key factors that play a role in the amount of credit limits you qualify for.

Corporate Credit Cards for Employees: The Good News and the Bad
Should you issue corporate credit cards to employees? Discover the benefits and dangers with employee issued credit cards and what steps are best.

7 Ways to Evaluate Business Risk
How does your company evaluate business risk? Discover seven ways to evaluate the risk of a company in order to resolve risk competently.

The Benefits and Advantages of a Small Business Virtual Office
What are the advantages of setting up a virtual office? Discover the benefits and advantages that a virtual office offers small business owners.

Benefits and Advantages of Small Business Equipment Financing
What are the benefits and advantages of small business equipment financing? Discover how to get equipment financing and what benefits you can expect.

The Benefits and Management of Vendor Credit Accounts
What are the advantages of vendor based credit? Learn the benefits of supplier based financing and how to properly manage your trade credit accounts.

Helpful Hints to Offering Financing to Your Customers
Should you offer financing to your prospective and existing customers? Learn helpful tips on why you should and what to be aware of.

7 Ways to Improve Your Company's Business Credit Rating
Do you know your company's business credit rating? Learn seven ways to improve your company's credit scores so you can maximize your funding ability.

5 Benefits of Using Small Business Debit Cards and How to Get One
Are you using a business debit card? Discover the five benefits of using a business debit card and how to obtain one for your company.

The Pros and Cons of Accounts Receivable Financing
Should you consider accounts receivable financing? Discover the advantages and disadvantages and what to look out for before signing the dotted line.

Guidelines on How to Order Your Business Credit Report
Do you know how to order your business credit reports? Learn the key guidelines to take in order to obtain a copy of your company credit report.

Realistic and Creative Ways to Raise Funding for a Startup Business
Is your startup in need of funds? Learn several realistic and creative ways to raise funding for your startup business.

5 Reasons Why You Should Incorporate a Business
Should you incorporate your business? Learn the top five reasons to incorporate and why it is a crucial step in the life cycle of a business.

Top 8 Things You Should Definitely Know about Online Business Lending
Have you considered getting a business loan from a lender online? Learn the benefits of online business lending and how it's giving traditional banks a run for their money.

10 Benefits When Using An Internet Business Bank Account
Should you use an internet business bank account? Learn the top ten benefits small business owners gain from using online business banking.

10 Steps for Securing a Business Loan
Not sure how to obtain a loan for your business? Learn ten steps to get you headed in the right direction for securing a business loan.

Vendor Risk Management: Step-by-Step Checklist When Considering Credit
Thinking about extending credit to your customers? Learn some key factors to consider using a vendor risk management checklist.

Why Suppliers Use Paydex Scores
Does your company have a business credit rating? Learn why the Paydex Score is used by suppliers and how you can leverage your positive payment history.

The Business Credit Card Advantage: Benefits You Can't Ignore
Does your company have a business credit card? Discover the advantages and uses of getting a credit card in the name of your company.

Why Use Purchase Order Financing?
Why consider purchase order financing? Learn why this financing option has become popular in recent years and how to can benefit your company.

What You Need to Do Today to Establish Business Credit
What is the best way to establish credit for your business? Learn the first steps required to start the business credit building process.

7 Strategies to Build Your Business Credit Profile Today
What steps are required to build a creditworthy business profile? Learn seven steps to follow that will help put your company on the path to creditworthiness.

How Corporate Lines of Credit Can Meet Your Funding Demands
Will corporate lines of credit benefit your business? Learn the two major types of business lines of credit and how to use it to your advantage.

Business Credit Monitoring Services: When They're Good for the Money
Why monitor your business credit files? Discover the benefits of using a business credit monitoring service and how it can help you minimize risk.

How to Minimize Credit Risk Prior to Applying for Bank Loans
Preparing to apply for bank financing? Discover how to minimize your credit risk so you can improve your chances of getting funding.

Business Credit with No Personal Guarantee: Possible or Impossible?
How does a business obtain credit with no personal guarantor? Learn what steps to take for getting credit for a company without a supplying a pg.

Real Estate Lines of Credit: Another Financial Tool
Need real estate lines of credit? Learn how strong credit ratings can enable you to obtain unsecured credit lines for real estate investing.

You're in Business? Not So Fast. Choosing a Business Entity
What business structure is best for your company? Learn the importance of entity formation and the different types of structures available.

A Business Partner: An Alliance for Growth
What is the benefit of a business partner? Learn the advantages you can gain by creating synergistic relationships to grow your business.

Steps for Recording Cash Sales When Offering a Discount
Learn the steps to handling a double-entry bookkeeping journal entry when selling a product or service for cash while offering a discount on the sale.

Bookkeeping Entries for Inventory Transactions
If your business produces products, you have to deal with raw materials inventory in your bookkeeping. Learn how to make journal entries for inventory.

Restrictive Bank Loan: Affirmative Covenants for Small Businesses
When small businesses make application for a bank loan and are approved, the loan agreement often contains affirmative loan or restrictive covenants

Use the Dupont Model for ROI Analysis
The DuPont Model allows a business to break down the firm's profitability, including ROI, into components to see where profitability comes from.

Short-Term Business Loans and Debt Financing
Small businesses most often need short-term loans as opposed to long-term debt financing. Learn more about the basics of short-term business loans.

Long-Term and Intermediate-Term Business Loans
Long-term and intermediate-term business loans are appropriate for small businesses so they may grow and expand by purchasing long-term assets.

Bad Credit Loan Options for Business - Rebuild Credit
If you have bad credit, there are business financing options available to get your business the money it needs and help rebuild your credit score.

The Business Definition of Equity
Equity is the sum of earnings, inventory and other assets, less overhead, loans and other liabilities.

How to Calculate Free Cash Flow for Your Business
It's important to know the free cash flow for your business. Here's what it shows, plus three accurate ways to calculate it.

What Is Net Cash Flow and How Is It Used?
Knowing a company's net cash flow over time can help you determine whether the business is financially healthy. Here's where to find it.

Calculate Cash Conversion Cycle (CCC)
The cash conversion cycle is the time it takes to convert inventory and receivables to cash, and to pay bills without incurring penalties.

Earnings per Share - Definition, Calculation and Use
Earnings per share is a fundamental tool for the evaluation of publicly traded companies. It also allows the calculation of the price/earnings ratio.

What Is the Cash Ratio? How Is It Used?
The cash ratio is the most stringent of three common liquidity ratios. Here, the advantages and disadvantages of the three are discussed.

Choosing A Periodic or Perpetual Inventory System
Learn whether your small business should use a periodic or perpetual inventory system.

What is a POS System for Inventory Management?
A POS inventory management system is a step up from the use of a cash register. Your small business may want to switch to a basic POS system.

Business Finance: Should You Offer Credit to Customers?
All businesses who offer credit to their customers need a credit policy and guidelines to follow in administering their accounts receivable.

How to Set Up and Analyze an Aging Schedule
If you offer credit to your customers, you need to set up and analyze an aging schedule for accounts receivable as part of your collections policy.

Managing Credit and Accounts Receivable
Small businesses, accounts receivable management, credit policy and credit analysis. A primer for small business owners to help increase sales.

How to Handle Cash Sale Journal Entries
Business owners need to record cash in accounting journal entries, which are records of financial transactions listed in chronological order

Business Organization: Limited Liability Company
The limited liability company is one form of business organization that business owners can choose when they start a new small business.

Expense or Depreciate Purchases on Income Taxes?
Generally, you expense current expenses and depreciate long-term assets. IRS rules defining allowable expenses and depreciation schedules are specific.

Accounting Formula - Balance Sheet Equation
Balance sheet equation: This accounting formula represents the relationship between the assets, liabilities and owner's equity of a small business.

Angel Investor Funding for Startup Businesses
Angel investors are wealthy individuals interested in investing in profitable companies and earning a return on their investment. They will help growing small businesses with second-tier equity financing.

The Three Types of Business Bankruptcy
This article discusses the three types of business bankruptcy. Small business bankruptcy includes Chapter 7, Chapter 11, and Chapter 13.

How to Make a Working Business Budget
Small business have to have a working financial budget that they follow every day. Business budgeting is the process of creating a business budget.

Direct and Indirect Costs and Product Pricing
Direct and indirect costs are two cost components of doing business. Determining which costs are which helps you appropriately price your products.

Using Cost Object to Better Understand Your Costs
A cost object is a financial term used in cost accounting to indicate something to which costs are assigned.

Six Sources of Startup Business Financing
Finding sources for startup business financing is often difficult. Getting financing approved for a startup business is even more difficult. Here are six sources of business financing for your startup business that may work for you.

Managing a Petty Cash Account for Your Small Business
Every small business needs a petty cash account for small, daily business expenses as part of your bookkeeping function and office accounting system.

Three Ways to Finance an Import Business
If you have an import business, or if you plan to start one, here are three non-bank methods of financing your imported inventory.

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Preparing Financial Statements at the Cycle's End
Learn about important financial statements: the income statement, statement of retained earnings, the balance sheet and the statement of cash flows.

Supplier Evaluation Risk Rating: Applications and Benefits
How do you improve your Supplier Evaluation Risk Rating? Learn how SER is used in business today and what steps you can take to improve your rating.

An Inside Look Into Cash Flow Based Financing
Turned down for a business loan but have cash flow? Learn about cash flow based financing and how you may qualify despite being declined by a bank.

Asset Based Loan Financing: How it Works and its Benefits
Need to access more working capital? Learn how asset based loan financing works and how it benefits your company in getting the funding it needs.

Trade Finance Explained: 5 Facts You Need To Know
What is trade financing and how does it impact your business? Discover the facts about trade finance and how it has led to enormous growth of trade.

Why Improving Your FICO® Score Is Vital In Business Financing
Do FICO Scores impact your ability to obtain business financing? Learn why improving credit scores are essential to maximizing your funding ability.

How Entrepreneurs Can Effectively Pitch Business Ideas to Investors
Looking for investors for your business idea? Discover how to effectively pitch your idea to potential investors to acquire the funding needed.

How to Reduce Your Business Credit Card Debt
Does your business carry excessive credit card debt? Learn several key ways to effectively reduce your business credit card debt.

Revealed: Brexit Impact on Small Business
Does Brexit have a business impact? Although many people across the globe have mixed reactions learn what impact it could land on the business world.

Top Tips on How to Conserve Your Cash in Business
Looking for ways to conserve your company's cash? Learn 15 ways to conserve cash for your business so you can invest in its growth and development.

6 Creative Ways To Conserve Cash Flow For A Business
Looking for creative ways to conserve cash? Learn six ways to conserve your company's cash flow so you can maximize your opportunity for growth.

5 Exceptional Ways to Improve Credit Scores
Do you know what role personal credit plays in getting funding? Learn five ways to improve credit scores so you can maximize your funding potential.

5 Key Bookkeeping Tips for Small Business Owners
Why is important to keep good financial records? Learn 5 key bookkeeping tips that many successful entrepreneurs practice regularly.

Tips for Dealing With Late Invoice Payments
Do you have invoices that are still outstanding? Learn what preventative steps you can take and how to handle your late paying customers.

How a Business Can Conserve Cash Flow and Maximize Profits
What steps can a company take to conserve cash flow and maximize profits? Learn seven steps to conserving cash and improving the bottom line.

The Importance of Credit Reports in Business
Why are business credit reports important? Learn why companies adopt the use of business credit reports and how it benefits you to establish a credit.

The Power of Business To Business Financing
What is business to business financing? Learn the advantages of b2b financing and how to best incorporate this funding strategy for your business.

Poor Credit Business Financing: Getting Money When Prospects are Slim
Is poor credit holding you back from getting the business financing you need? Discover how to get the money your company needs when prospects are slim.

Why Unsecured Business Credit May Be Just What You Need
Why should a business owner seek to acquire unsecured business credit? Learn why unsecured lines of credit can be an excellent financial tool.

What You Need To Know About Experian Business Credit Report?
Have you checked your Experian Business Report? Discover the essential distinctions and importance between business reports and your personal reports.

B2b Financing: What It Is and How To Utilize It To Your Advantage
What are the benefits of B2b financing? Learn what b2b financing is and how to use it to your company's advantage in all aspects of its operation.

Inside Look into Peer to Peer Business Lending
Considering peer to peer business lending? Take an inside look into peer to peer business lending and how it can help get you the funding you need.

5 Business Credit Building Tips For Veteran Entrepreneurs
Are you a veteran entrepreneur in search of funding? Learn five key business credit building tips to help maximize your company's financing ability.

Revealed: Steps On How To Incorporate Your Business
Should you incorporate your business? Learn what specific steps are necessary to properly incorporate your company and why it is so beneficial.

Discover 25 amazing Ways To Bootstrap Your Business
How do you bootstrap your business? Learn 25 ways you can creatively bootstrap your business while maintain 100% ownership of your start up.

Why Report to a Business Credit Reporting Agency?
Should you report payment data to a business credit reporting agency? Learn how to leverage the power of credit reporting to your advantage.

Advantages and Disadvantages of Using Online Business Lenders
Are you in the market for a small business loan? Learn the advantages and disadvantages of using online business lenders to secure the loan you need.

Corporate Credit Profile: Your Report Card to the Business World
What does your corporate credit profile say about your company? Learn the importance of a business credit report and how it impacts funding potential.

Key Facts You Need to Know About a Sole Proprietorship
What are the advantages of a sole proprietorship? Learn the key facts, benefits and disadvantages of a sole proprietorship.

Can I Establish Business Credit as a Startup?
Can a startup establish business credit? Learn what key steps are required before you start the credit building process for your newly formed company.

The Five Compelling Reasons to Build Corporate Credit
Why build corporate credit? Discover five compelling reasons to start establishing credit for your company so you can maximize your funding potential.

Why a Business Needs Unsecured Lines of Business Credit
Do you have a business line of credit? Discover why an unsecured credit line for your business may be the perfect solution to your funding needs.

How to Effectively Manage Business Credit Cards
What is the best way to manage business credit cards? Learn the key factors that will enable you to effectively manage your company's credit cards.

Small Business Credit Cards: Don't Leave Home Without Them
Does your company have a small business credit card? Discover the advantages of business credit cards and why you should never leave home without one.

7 Ways to Get Credit for Business: Clear-Cut Truths of Getting Credit
What are the proper steps for getting credit for a business? Learn seven ways to acquire credit for your company so you can obtain the funding needed.

Business Vehicle Leasing: Why Leasing Makes Sense
Is business vehicle leasing right for you? Learn why auto leasing may makes sense for your company and the various benefits it provides.

Steps to Solve Your Small Business Car Leasing Problem
Should you consider leasing a car for your small business? Learn what steps to take to save on costs before signing a lease agreement.

No Reason for Failure: How to Get Funding to Start a Business
How do you get the funding you need to start a business? Discover five ways to acquire the capital you need to launch your business.

5 Ways to Get Business Credit to Back Any Business Startup
Can you get credit for your business startup? Discover five ways to obtain business credit for your new business venture so you can launch on time.

How a Business Credit Card Cash Advance Works Plus Its Benefits
Should you do a cash advance from your business credit cards? Learn how a business credit card cash advance works and the benefits that it provides.

Types of SBA Backed Up Loans For Veterans
How do veterans get access to small business loans? Discover the types of business loans that are available for veterans backed by the SBA.

7 Steps To Take When Getting a Business Loan From a Bank
Considering on applying for a business loan? Learn seven key steps to take when getting a small business loan for your company.

Why Get a Dun & Bradstreet Registration Number For Your Business
Why does your company need to register with Dun & Bradstreet? Learn the key reasons why a D-U-N-S Number is essential to the success of your business.

What Are The Benefits of Vendors Who Extend Business Credit?
Are you a vendor deciding whether or not to extend credit to customers? Learn the major benefits that impact both you and small business customers.

Company Values Statement as Part of the Business Plan
A company's business plan includes a corporate values statement in the early part of the plan, usually in the corporate overview section. This section sets forth the businesses corporate values and gives the business an ethical and moral path as it goes into business or expands its business.

Example of a Financial Budget for a Small Business
When a business develops its strategic plan, it should also develop its operating and financial budgets. Here's an example of a financial budget.

Simple Business Valuation - Best Practices
When doing a business valuation, consider theses basics as a set of best practices. Here's a primer for understanding simple business valuation.

What is the Definition of Cost in a Business Firm?
There are many types of costs in a business firm including direct and indirect costs and product and period costs.

How to Calculate the Present Value of an Annuity Due
The present value of an annuity due is one type of time value of money calculation. Here are three methods you can use to make this calculation.

Going Concern - Definition & Examples
A going concern is an accounting assumption that states that a business will stay in operation for the foreseeable future.

What are the Causes of Budgetary Slack?
Budgetary slack creates budgets that over-estimates costs and underestimates revenues. budgetary slack can be deliberate or unintentional.

The Cost of Trade Credit (Accounts Payable)
Trade credit is the credit to a company by its suppliers. When you work through the numbers, you'll usually find it to be unexpectedly expensive.

Net Present Value as a Capital Budgeting Method - NPV
Capital budgeting analysis is most accurate if you use the decision method of net present value, more often referred in shorthand as NPV.

How to Calculate the Cost of Debt Capital
Calculating the cost of debt capital will show you what it will cost your business to borrow money. Here's how to do it.

Use Economic Order Quantity to Lower Inventory Costs
The economic order quantity is the financial metric used to calculate the optimal amount of inventory to order and store based on minimizing costs.

How to Prepare a Direct Materials Purchases Budget
A direct materials operating budget can be a significant portion of a firm's operating costs. This article explains how to prepare this budget.

Using Credit Card Financing to Start a Small Business
Credit card financing is an option for small business startups. Is it smart? Since bank loans are hard to get, some businesses don't have much choice.

How Financial Ethics and Profitability Are Connected
Businesses that engage in ethical financial practices will do better in the long run than ones that don't. Financial ethics leads to profitability,

How to Prepare and File an Amended Tax Return
Filing an amended tax return is important and necessary if you have made certain errors on your return or if you have received new information since filing your federal income tax form.

Forms of Business Entities for Small Businesses
A summation of the different forms of business entities such as sole proprietorship, partnerships, corporations, and limited liability companies.

The Basics of Small Business Venture Capital
Small business venture capital is a financing choice that start-up business firms must make in order to get financing. Learn how to attract investors.

Bank Loan Application - An Example
An example of a bank loan application that a small business, which includes a certification description, and a business loan application checklist. Page 2.

Example of a Vision Statement for a Business Plan
A vision statement is an articulation of where you see your company in the long-term. Here's an example of a vision statement for a business plan.

The Reasons for Business Budget Planning
Business owners or financial managers need budgets as guiding and forecasting tools. There are three reasons for businesses to develop budgets.

Sample Business Budget Template for Income and Expenses
This business budget template can help you create a budget blueprint for your small business. Learn how a budget can help you.

Budgeting - What is a Master Budget?
Preparing a master budget every year in the budgeting process is the best way to operate a business. The master budget includes the operating budget.

Cash or Accrual Accounting - Which Should You Choose
Cash accounting is used by businesses with simple transactions. Accrual accounting is used by larger businesses with a more complicated transactions.

Cash Management Techniques to Help Small Businesses
7 articles on finance and cash management will help small businesses survive by practicing good cash management.

Cash Budget vs. Statement of Cash Flows
There is a difference between the cash budget and the statement of cash flows. Find out the meaning of each term and learn how they're different.

Stated vs. Annual Percentage Rates
Learn the difference between the annual percentage interest rate and the stated interest rate as they relate to debt financing and bank loans.