Money

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?

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...

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...

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...

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...

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...

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...

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.

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.

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...

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...

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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...

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...

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,...

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. Small business owner:...

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...

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...

When Talking to Investors or Lenders – Always Be Ready

As with any pitch, know your audience and its pain points.   Regardless of whom you are pitching for an investment or what stage of growth your company is...

Small Business Tax Time…It’s All In the Prep

Preparation and a good financial professional will ensure a comprehensive return   Well, it’s that time of year!  Tax season is upon us.  Very soon everyone will...

Breaking Down the Set Up of Small Business Financial Records

Setting up records should also be accompanied by hiring the right accountant for your business   Start Up Handbook series part 6, Setting up your records, a bookkeeper, an accountant, hiring the right...

Small Business Start Up Capital Access Primer and Key Steps

Start Up Handbook series part 2  Capital Access Primer and Definitions   This is part two on Capital Access of a ten part series for start ups...

3 More Rules of Engagement When Buying or Selling a Small Business

Navigating the nuances of buying or selling a business, part 2 three more rules of engagement   Whether buying or selling a small business it's important...

A Smart Business Strategy to Working Capital Is Not Complicated

Working capital required for growth can reduce your profits if you don't plan ahead   Your customer base is expanding. You need to purchase more inventory or hire more...

A Successful Small Business Loan Strategy- part 2

If you have assembled the information referenced in the previous edition of Latin Business Today, you are almost there.    The most difficult document required to...

Small Business Capital, Digital Lenders and Angels

Three financing options for small businesses throughout the business life cycle     Whether the intent is to satisfy working capital needs, growth, or other endeavors, business owners...

Know When Debt Collectors Are Using Illegal Practices​

The Federal government has cracked down on debt collectors using abusive/illegal practices   Back in January 2nd 2013 the first business day of that year, there was a significant change...

Improving Small Business Performance Through “Benchmarking”

As this year's tax time dust settles you continue to oversee those books for business purposes to ensure the future success of your business.      As we all...

Do’s and Don’ts of Credit Best Practices

Follow these 5 Do's and 3 Don'ts for healthy small business credit score   The “DO” Do pay your bills on time. Do keep credit cards...

De-mystify the Business of Credit

Getting a handle on the "ins and outs" of credit is core for small business owners and consumers   In an ever-evolving attempt to de-mystify the...

The Forms Are Coming! The Forms Are Coming!

It's time to start your 2014 tax preparation...here's what's new   The Forms are coming indeed, the many tax forms needed for you to file your 2014 tax...

Here Are 3 Ways to Pay the IRS

As a small business owner you have a menu of choices when paying the IRS   Paying the Internal Revenue Service may not be your favorite...

Small Business, Corporate Tax and Reinvention Steps

Why corporate taxes are bad for the USA, (or any country) and solutions on small business savings   According to the US Public Interest Research Group...

25 Years of Deal Making Lessons – An investment Banker’s Perspective

 2 difficult lessons entrepreneurs must learn before an M&A deal   The author, Michael Carter, is the founding Partner of Carter Morse & Mathias, an investment...

Pros and Cons of Capital Gains

Capital gains can be a double edged sword be smart about managing your assets to minimize costs   Taxes are inescapable part of owning a business,...

Show Me the Money!

Collecting payment is as important as making the sale     Cash is the lifeblood of a business. Without it, businesses die. In the early stages of...

Don’t Forget That Business Car Deduction

There are two ways to approach your business car deduction, but make sure you keep solid records   Here's how to write off optimized deductions for...

Popping the Cork After a Successful Merger

Building Competency in a Merger or Acquisition-Part 4: Execution/Integration-The Final Step in the M & A Process   Mergers & Acquisitions (M&A) Strategy—Author’s note: The activities...

Summer’s Coming, Planning a Company Outing?

Now is the time to plan for a company party, office party or event, follow these 3 simple rules and deduct 100% of your...

Moving on Up Through Mergers and Acquisitions

Building Competency in Acquisitions-Part 3: The Approach- Basic Principles of the Transaction Execution   Mergers & Acquisitions (M&A) Strategy—Author’s note: The activities that lead to the...

Eyes Open For Depreciation & Write-Offs

Small businesses need to think strategically, as it may be a good year for equipment upgrades- take advantage of section 179 What is section 179?...

You Too Can Execute a M&A Strategy

Building Competency in Acquisitions- Part One: Developing an M&A Strategy   Mergers & Acquisitions (M&A) Strategy- Author's note: The activities that lead to the identification and ultimate...

Starting Your 2013 Small Business Taxes?

What you need to know about tax law changes as you prepare your 2013 tax year return   Significant tax law changes have taken place for...

Entertain Clients? Compliance Strategy And IRS

Entertaining clients is a great way to establish both professional and personal relationships—but the IRS requires you keep receipts and other documentation   When entertaining clients,...