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Financial tools & management

You’ve got the business plan down, but you need some help managing your finances and cash flow. Accounting, taxes, payroll—you deal with enough numbers every month to make your head spin. But you don’t have to tackle the numbers alone. These resources can help you keep your business in good financial health. 

Merchant Cash Advance APR Calculator

A merchant cash advance (MCA) is a type of financing in which a business sells a percentage of their future credit/debit sales for an upfront amount. The MCA lender gets paid by directly debiting the card receipts from the merchant’s account daily, before the business itself can access any money from sales.

Where to find legal help for your small business

Small business owners like you can do a lot on your own to get your business up and running, including writing a business plan, applying for a license or permit and applying for an employer identification number. However, there are some legal tasks better left to professionals.

Build your creditworthiness: Rethink credit inquiries

Whenever a company or individual accesses your personal credit reports or scores, the credit reporting agency that fulfilled that request must, by law, record that “inquiry” on your credit report. Because certain inquiries have been found to be associated with greater credit risk, they may affect your credit scores. In other words, recent inquiries on your credit reports can cause your credit scores to drop.

Small Business Borrowers' Bill of Rights

You have a right to see the cost and terms of any financing you are offered in writing and in a form that is clear, complete, and easy to compare with other options so that you can make the best decision for your business.

Why have a mentor

One of the best ways to help yourself, and your business, is to get a business mentor, someone who has been there and done that to be your support.  

Tips for writing a business plan

You’re working on your business plan, great! Here are a few tips as you work.