Esta es la tercera publicación de una serie sobre los conceptos básicos de las finanzas de las pequeñas empresas. Eche un vistazo a nuestras publicaciones sobre cuentas bancarias para pequeñas empresas y tarjetas de crédito para pequeñas empresas, y esté atento a futuras publicaciones en esta serie.
This is the third post in a series on the basics of small business finances. Check out our posts on small business bank accounts and small business credit cards, and stay tuned for future posts in this series.
Esta es la primera publicación de una serie sobre los conceptos básicos de las finanzas de pequeñas empresas. No se pierda las próximas publicaciones de esta serie, incluso información sobre contabilidad y tarjetas de crédito para pequeñas empresas.
Cuando navega por el financiamiento comercial, puede ser tentador usar sus finanzas personales para ayudar cuando su negocio necesita un impulso, pero esa no siempre es la mejor solución a largo plazo. Separar sus finanzas personales y comerciales puede ayudar a garantizar que trate su negocio como la entidad independiente que es, al mismo tiempo que resguarda sus finanzas personales.
¿Por qué es tan importante separar sus finanzas?
Abril a menudo se asocia con la limpieza de primavera y la reorganización, lo que significa que finalmente se tomó el tiempo para revisar ese cajón que rebalsa de basura o para organizar los estados financieros del año pasado para la fecha límite de presentación de impuestos. Pero cuando se trata de sus finanzas, puede usar este tiempo para hacer algo más que presentar la documentación de declaración de impuestos gracias a los recursos proporcionados como parte del Mes Nacional de Alfabetización Financiera.
This is the first post in a series on the basics of small business finances. Stay tuned for future posts in this series, including information about bookkeeping and small business credit cards.
As an entrepreneur, you now need to be a Chief Everything Officer, and that includes managing your business’s financials. Navigating small business finances can be overwhelming, but it’s important to understand all the factors that go into overseeing your business’s daily finances. A good place to start with is a small business bank account.
April is often associated with spring cleaning and reorganizing, which means you finally made the time go through that overflowing junk drawer or to organize last year’s financial statements for the tax filing deadline. But when it comes to your finances, you can use this time to do more than just file your tax return documents thanks to the resources provided as part of National Financial Literacy Month.
This article originally appeared on Forbes.com
Rohit Arora, Forbes.com Contributor
Small business loan approval rates at big banks continued the upswing with yet another new high last month, according to the Biz2Credit Small Business Lending Index™ (March 2018 figures). Big banks (assets of $10 billion+) are granting more than one-quarter of the small business loan applications they receive. The 25.5% approval percentage, up one-tenth of a percent from February, represents a post-recession high point for big banks.
Before an angel investor or venture capital firm will invest in a startup, the business has to prove its viability through a lengthy review process called due diligence.
Business owners who sustained substantial loss from Hurricane Harvey should treat reopening their business like starting up for the first time. Whether the business owner gets funds through the Small Business Administration, a bank loan or their savings, reopening will take planning and capital. Lack of these is the reason behind the majority of small businesses that fail, said Joe Humphreys, University of Houston-Victoria Small Business Development Center executive director. "It's like starting all over again," he said. "They may not have the same employees.
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