Money

Cultural Beliefs Latinos Need to Leave Behind to Achieve Financial Success

Like many foreign-born Latinas, it was not until I joined corporate America that I learned that to achieve financial success I would have to...

Real Scenario- When a Growing Small Business Needs Funding

An actual Q&A exchange with a small business owner and finance expert.   Excerpts of a conversation between a small business owner and a financial consultant. Question, Small...

Ensuring Liquidity Amid Economic Volatility- Session 3 [Video]

"Driving Success Through the Pandemic"- Financing Options and Opportunities for Small Businesses During Covid As COVID-19 cases continue to surge and new restrictions loom, challenges,...

Tax Planning and the Election Results

A new administration could mean significant changes in tax laws that affect the most affluent taxpayers.  There are several proposed tax changes that are...

Four Strategies for Breaking the Impasse in Negotiations

What do you do if you hit a wall in your negotiations and quitting is not an option?

Is COVID-19 Changing How We View Our Homes?

It will be a while before we can say with certainty how the real estate industry has changed.   As the COVID-19 pandemic has forced Americans...

Can Your Business Benefit from COVID 19?

Are you ready to be pro-active?   The pandemic is the HOT topic, but some businesses can benefit from this HOT topic by combining creativity with...

How Bankruptcy Can Save Your Business from Eviction

The current COVID-19 pandemic has led to unfortunate and recurring scenarios like the following: Ralph owns a small furniture store in a shopping center...

What’s The Latest on The CARES Act?

Fourteen timely CARES Act considerations for small business owners.   As previously said here, the second time has been indeed a charm as many more businesses...

When Bankruptcy Is a Good Thing

Three components of this new law.   The story, unfortunately, is a common one: Joe owns a great restaurant, the Mediterranean menu is terrific, the service...

CARES Act Update:  What Does It Mean for You?

Second time’s the charm they say, and with the second round of funding now available for all small businesses.   Second time’s the charm they say,...

Banking on You!

When thinking about exciting relationships in your life, unless you’re Scrooge McDuck I’m betting that the name of your banker is not at the...

Businesses the Make a Difference – Meet Tony Argiz, Chairman and CEO of MBAF

Businesses that Make A Difference       Featured Company: MBAF Executive:  Tony Argiz, Chairman and CEO Business Address: 1450 Brickell Avenue 18th Floor, Miami, FL 33131 Website: mbafcpa.com   Tell us about...

Everyday People, Make the World Go Round – Meet Antonio Uribe

Everyday People, Make the World Go Round - Meet Antonio Uribe Name: Antonio Uribe Title: President & CEO Company: Terrabank, N. A. Major City Where You Work: Miami,...

Get Help From the SBA to Keep Your Business Afloat

Get Help From the SBA to Keep Your Business Afloat The current COVID-19 pandemic is also an economic crisis, with long-lasting impacts felt across all...

The Latest on the Small Business Owner’s Guide to the CARES Act

Here's  the most up to date and comprehensive information for the CARES Act.   SB guide to Cares act The Small Business Owner’s Guide to the CARES...

Every Cloud Has a Silver Lining- Five Recommendations

Keep business going, but ultimately, protect yourself, your family, and your employees.   COVID-19 has been the largest cloud over all our heads across the world,...

Grow Your Business Through the M&A Pipeline

Scaling your business requires understanding the types of investors and knowing the state and status of their portfolios. The vast majority of venture capital and...

Understanding Your Business Investments

Without measuring and tracking business investments, business owners are missing a critical piece of information about company performance. Understanding the Cost of Your Investment Your first...

Small Business Loans and Financial Insights [Video]

Key bank engagement steps to secure a small business bank loan.   Manuel Chinea, EVP, COO, Popular share a banker's perspective on securing small business loans...

Stella Vida, CPA, Shares Small Business Financial Insights [Video]

Successfully grow your small business with these key guidelines. Editor’s note: This the first in a video series from Latin Biz Today Spectrum of Success Event...

Cash Flow Management for Small Business Owners

A requirement for every successful small business and enterprise.   Cash flow management is the process by which an organization maintains control over the inflow and...

The U.S. Attracts Foreign Investors, but What Are the Requirements?

U.S. consulates are instructing applicants to file these five documents.   Editor's note: This is part 3 of this multi-part series. Note Part 1: The U.S....

Four Basic Principles for Raising Capital

Outside investors want to understand a business' strategy as well as its financial statements.   The need to raise capital from outside investors requires a great...

Keys to Obtaining Funding

To secure funding it's essential to instill confidence with a professional and accurate financial summary   Securing a loan or other private funding is all about...

The U.S. Is Still an Attractive for Destination to Invest and Start a Small Business

The E-2 Treaty Investor Visa enables  international  investment in U.S. small businesses- Part I   For foreign business persons interested in investing in the United States, the...

Thinking About a Small Business Loan?

Learn these basic concepts and know them off the top of your head and you will be in a much better position to converse with those interested in knowing about your business!

The Infamous Employer Identification Number (EIN): How can I Obtain One for My Business?

An EIN is likely the first government filing a new business will make.   The entrepreneurial spirit is part of Latino culture. This is the reason...

So You Want to Buy (or Sell) the Business? Rules of Engagement

There are six rules of engagement when negotiating as a buyer or pre-planning as a seller   In part one we'll cover the first three of six rules...

Small Business Revenue Growth and Success

For any small business managing expenses is essential, but in order to achieve success a focus on sales for sustainable revenue growth is paramount   There...

Financing Your Small Business Growth With Debt

Seven factors for small business owners to consider.   1. The Loan Amount The loan amount should include the funds needed for both hard costs and soft...

What’s Your Financial Burn Rate? 5 Questions and Answers

What you don't know about your financial burn rate can burn you.   One of the key financial indicators for a business is “monthly financial burn...

3 Action Steps to Financial Management

A small business owner's management of key financial initiatives is directly tied to it's level of success.   Business owners wear many hats, including that of...

Acquisition? What’s Your Company’s Valuation?

For any acquisition it's important for both buyers and sellers to have a dialogue about company value.   Buyers and sellers of companies of course have...

There is No Free Lunch, but There Is a Strategy to Funding

You've worked hard and your business is buzzing.  Now you need capital to take it to the next level.   Editor's note: This is part one...

Position Your Company To Be First In Line for a Bank Loan

Good financial management is vital to small business success. The money people know it and will therefore be more responsive to funding requirements when they see that management has full comprehension of all aspects of the financials reports. 

The Ripple Effect of the Government Shutdown on Small Business

What's the immediate impact and ripple effect? The Immediate Impact There will be no more loan closings under the SBA 7a program, except for those loans...

3 Foundations To Maximize Cash Flow

An efficient small business or organization maximizes cash flow, here are 3 foundations. If a company is to maximize cash flow - and what company...

Small Business Growth Through M&A

Mergers and acquisitions require finding the right skill set within the company to successfully execute    As small companies begin to face strategic competitive and growth challenges,...

3 Things to Know When Buying a Business

When buying a business, make sure you do your due diligence   Whether your buying an existing company or investing in a franchise, you'll want to...

5 Tips Before Buying a Business

5 things to do before buying a business from a legal perspective     Are you planning on buying a business, but are a little hesitant because...

What is Small Business Life Insurance?

Small Business Life Insurance is used to protect a business, or the family of a businessman, from the financial loss   Small business owners depend on...

Small Business Owners Your FICO Score Defines Who You Are

A score of 680 or higher will remove a great deal of the stress from your daily routine.

Why Does It Take So Long to Close a Bank Loan?

Your first appointment should be with the banker who currently handles the business accounts for your company.

Do You Like to Shop? Yes, No, Sometimes or Never!

This is one of the most important decisions you will make for the future of your business. It is not as much fun as shopping for a car, but it is far more important to your success.

Should You Rent or Buy Your Office?

There are many factors to consider before investing in real estate. Before making a purchase, talk to your real estate and accounting professionals to be sure you understand the true costs and savings, and ensure a financially sound decision.

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Podcast 7: Reducing Your IRS Tax Debt: A Quick List of Assets that Must Be Reported

Taxpayers should err on the side of caution and report any and all assets held in their ownership, whether these assets are foreign or...

Podcast 6: Reporting Expenses: A Breakdown of Items You Didn’t Know had to be Reported

When attempting to reduce one’s debt, the Internal Revenue Service (“IRS”) needs to be provided with an accurate picture of one’s finances. Editor's note: This...

Podcast 5: Reducing Tax Debt with the IRS: Income You need to Report to Reduce or Eliminate Tax Debt

The Tax Code has made some changes in terms of reducing tax debt with the IRS. Editor's note: This is the fifth podcast in a series...

Podcast 4: Things You Might Not Know, But Should: Select Provision of the Tax Cuts and Jobs Act

There are a number of things you might not know, but should, with respect to the Act. Editor's note: This is the fourth podcast in a...

Podcast 3: Tax Cuts and Jobs Act: What Actions Reduce Your Tax Liability?

Main Changes to the New Tax Law   Editor's note: This is the third podcast in a series of seven by tax attorney Senen Garcia. On December 22,...

The Stages in Buying and Selling a Company, Part 3

For both the Seller that wants to sell its business and the Buyer that wants to purchase one, it’s important to be fully aware of the above-mentioned range of legal considerations and the various stages involved in the process to help ensure a smooth and successful transaction.

Tax Podcast 1: Deductions Under the New Tax Cuts and Jobs Act. Which is better: Standard or Itemized?

The standard deduction would be increased each subsequent year based on a chained consumer price index. The determination of each filing status is still as set forth as in the last tax code.

The Stages in Buying and Selling a Small Company, Part 2

The Parties typically use the basic terms that were contained in the parties’ Letter of Intent (“LOI”), discussed in my last article, to structure the more detailed Purchase Agreement – be it an Asset Purchase Agreement or a Stock Purchase Agreement.

The Stages in Buying and Selling a Company, Part 1

The sale and purchase of a business can be complex here are 3 key stages to consider.     The purchase and sale of a business involves a...

9 Steps to Access Capital for Your Growing Small Business

These nine steps will enhance the level of success in securing small business financing   Preparation is job one before seeking financing in all it's various forms. These will serve as...

Will the Changes in the Tax Code Impact Your Business?

My advice to my small business owner clients in these times of change.   How will small business owners take advantage of the tax savings and invest in...

Small Business Debt As a Security- Issuing Equity

Four Factors for Small Business Owners When Issuing Equity     In a previous article—Keys to Issuing Equity for Small Business Owners—we covered the idea that issuing shares of...

Requisites for Good Financial Management for Small Businesses

Four must haves for optimal financial management   Set up the right financial management regime at the get-go and then you can spend your days on...

Will the New Small Business Tax Cut Create a Solar Boom?

Small business owners should consider the financial and tax feasibility of installing solar.     If I understand the new tax cuts (and who really does given its...

What Will the New Tax Policies Mean for Small Business Owners?

Many small business owners have questions, but the answers are not easy to obtain. . Let's begin with ten key questions which best represent the most common questiona asked by small...

New Tax Year- New Tax Law, Small Business Owners Need to Know

What are some ideas to implement in this climate if uncertainty? Here are five tried and true suggestions.     Typically, small business owners spend the last two months of...

The Four Steps of Small Business Loan Processing

Small business owners questions asked and answered.   Editor's note: This is a second in a series of common questions gathered from small business owners and respective answers by...

Small Business Financial Q&A’s by Financial Loan Expert

Small business owner's financial questions posed and answered by a small business advocate.     Editor's note: This is a first in a series of common questions gathered...

There Is No Money in Paying Bills…or Is There?

Small businesses which process accounts payable invoices in a timely manner will minimize total invoice processing costs.   Small business-especially those that are on the cash...

8 Recommendations for Safeguarding Cash Flow

Safeguarding cash allows your small business to maximize cash flow.   Cash, including checks, is an important aspect of many businesses. But controls such as monthly...

3 Questions To Optimize Your Financial Performance

Small businesses need to ask these three questions to optimize financial flow.     If questions are truly answers, then small-business owners must ask themselves three simple...

Keys to Issuing Equity for Small Business Owners

Issuing an ownership equity in a small business is a common means to garner capital, but such an initiative poses legal risks.    Entrepreneurs seeking capital by way of conveying...

How to Quickly Access Bank Financing for Your Small Business

A 12 insight START and STOP roadmap bank assessment for small businesses.   Bank revenue is derived from lines of credit, term loans, merchant service accounts and deposits. Another source...

Pension Plans and the Small Business Owner

Small business owners need to understand the risks and rewards of starting a pension for employees.   If you own a business, and want an easy tax deduction,...

First Rev of Proposed Tax Plan Has Relief for Small Business [video]

Tax reliefcan be a boon for small business owners but challenges lay ahead.   Today’s small business owners who have survived the worst recession of our...

Are Hard Money Loans Right For Your Small Business?

Before you apply for a loan determine if a HARD MONEY LOAN is the right option your small business.     Have you watched the Shark Tank? Inventers,...

3 Tactics to Maximize the Benefits of Your 401(k) Plan

Many small businesses offer a pension plan, called a 401(k) plan. Understand how to protect and grow it.    It is named after the related section...

Ready to Fund Small Business Growth? 8 Financing Options 

Planning to seek outside financing to expand your business?  Here are 8 options and tips.   Creating and maintaining accurate financial records and forecasts will improve...

So What Is Happening In 2017 to Head Off Tax Refund Fraud?

Remedies to addressing tax refund fraud small business owners should be aware of.   This is part 2 of 2, part 1 Beware of Refund Fraud,...

Beware of Refund Fraud, the IRS and Delayed Refunds in 2017

What happens when the IRS allows returns to be filed before they receive the third party information? Quite often it can be fraud.   Have you...

Small Business Funding Options – Equity or Debt

Angels, VCs, bootstrapping loans from banks and alternative lenders   Although bank loans are typically the first form of financing most new business owners think of, they are...

3 Financial Recommendations for Small Business Medical Practices

How do physician’s finances differ from everyone else’s?   Today, we live in a world where there’s an overabundance of information; the internet, excessive amounts of...

How Electronic Payments Pay Off For Your Business

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Mobile Payments: The New Cash and Small Business Customers

Small businesses must adapt to the mobile transaction shift quickly to maintain customer loyalty, market share and revenues.   Mobile payments will make cash obsolete and improve the...

Accessing Capital for the Growth of your Business

Small business capital hurdles-remedies and must read small business capital articles.   Whether growing your small business or applying for a start-up it's vital to address the...

What’s Up With Crowdfunding? An Attorney-CPA Weighs In…

Have you been thinking of starting or expanding your small business?    In working on your business plan, have thought about how you will fund your...

Will New Crowdfunding Regulations Work for Your Company?

Small businesses need working capital to grow is crowdfunding an option?   Most small businesses need working capital when they are in a growth mode.  They need...

Traveling? Protect Your Identity and Credit

 3 tips to ensure you safeguard your personal assets and business credit worthiness.    Credit plays an important role to many business owners in their daily...

How to Handle Inventory in Cash Flow Projections

The four keys to creating a powerful tool to take control of your cash flow.    There is an effective way to format your entries for...

Five Steps On How to Create a Cash Flow Forecast

Creating Assumptions for the Cash Flow Projections   The income statement reports billings and accrued expenses. The cash flow statement reports collections and payments—cash inflow and...