Finance for Small Businesses

Learn more about the resources available for Finance.

  • Making Adjusting Entries for Unrecorded Items

    With few exceptions, most businesses undergo a variety of changes that require adjustment entries. We'll show you how to rectify everything from bad debts to depreciation to keep your books organized.

  • Business Decisions and Your Finances: Cost/Volume/Profit Analysis

    A good entrepreneur has time-tested instincts, but a great entrepreneur knows analysis and instinct are the keys to smart business decisions. Discover which analyses can help you take your financial data to a new level of informed decision-making.

  • Inflation and Accounting Procedures Can Reduce the Accuracy of Financial Analysis

    Preparing financial statements and using financial ratios to assess business performance are key business management tools. But be aware that there factors, including inflation and the impact of varying accounting decisions, can render them less than perfect tools.

  • Solvency Ratios Measure Financial Risk

    Solvency ratios are designed to help you measure the degree of financial risk that your business faces by considering debt to equity, debt to assets, the treatment of fixed charges and other costs, and interest expense. Learn how to best apply these ratios to your business.

  • Measuring Profitability Through the Use of Various Performance Ratios

    To gauge how your business is doing, pay attention to these key performance ratios.

  • Initial Public and Private Offerings

    If you're willing to open up ownership to the general public, an initial public offering (IPO) provides an attractive way to obtain capital without relinquishing any operational control over business activities. But as you'll find, this option isn't for everyone.

  • Reporting or Retrieving Unclaimed Property

    States and the federal government hold billions of dollars in property deemed abandoned by its owners. You can make your claim to any unclaimed property listed in your name.

  • Efficiency Ratios

    Referencing ratios, particularly efficiency ratios, among various types of financial data can help you determine if your business is operating efficiently. Learn how to create and learn from these ratios in record time.

  • Accounting for Bad Debts

    Because you can't know in advance the amount of bad debt you'll incur, learn how to make an allowance for potential debts.

  • Business Ratios

    When it comes to assessing your business, focusing on the right ratios is key. Learn which reports can reveal where business is doing great, and where there's room for improvement.

  • Financial Analysis of Major Projects

    Before you agree to a major project, a proper financial analysis is a must. Find out which analyses offer the most insight for your situation.

  • When Is a Debt Uncollectible?

    Sometimes small business owners have to face a painful fact: You'll probably have some uncollectable debts. See which debts you're better off writing off.

  • Creating and Using Balance Sheets and Income Statements

    Periodically prepared balance sheets are the primary financial tool for assessing the relative wealth or financial condition at a given point in time. Learn what to monitor and track to ensure your business is growing.

  • Analyzing Your Financial Position

    Objectively evaluating the financial position of your small business requires mastering several related skills, including gathering and organizing the necessary financial information about the business. Learn how you can put your analysis to work.

  • Streamlining and Managing Your Collection Activities

    The tactics you will use to collect past-due accounts will vary, depending upon several factors, such as your relationship with the customer and the reason for nonpayment.

  • Improving Your Collection Cycle

    Collecting overdue accounts is, for many small business owners, the most unpleasant task of all. Learn what you'll need to track delinquent payments and, if need, use an attorney or collection agency.

  • Accepting Credit Cards

    Once you've decided to accept credit cards, you'll need to jump through a few hoops before getting that fancy card swiper near your register. Learn what steps to take to start taking plastic.

  • Export and Local Financing for Small Businesses

    If you're considering or engaged in exporting or international trade, the SBA and other sources can help you secure financing. And regardless of your exporting ambitions, don't forget to tap into state and local financing.

  • Using Cash Flow Surpluses for Investment or to Pay Down Debt

    Once you've improved your cash flow, you'll likely encounter a lovely problem: a cash surplus for your business. Before paying down debt or investing with your extra capital, learn the pros and cons of each.

  • Paying Yourself a Fair Wage -- Part I

    "Paying Yourself a Fair Wage -- Part I" explains the ins and outs of legally maximizing your owner's draw or salary, while not running afoul of the IRS or damaging your business's cash flow.

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