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You are here: Home / Archives for Cash Flow & Finance

4 Overlooked Business Expenses for Startups and Why You Shouldn’t Ignore Them

September 1, 2020 By Melinda Emerson Leave a Comment

4 Overlooked Business Expenses for Startups and Why You Shouldn't Ignore Them Open Graph

All startups make a checklist for business expenses. These lists generally include costs for incorporation, marketing, advertising, website development, employees’ salaries and benefits, rent, production, and insurance for the property.  These are pretty standard costs that most businesses have to deal with. But there are other hidden costs that many startups tend to ignore or […]

Filed Under: Cash Flow & Finance, Grow Your Business Tagged With: financial planning, small business expenses, startup, startup costs, startup expenses

Ways to Manage Your Cash Flow as Your Small Business Grows

August 24, 2020 By Melinda Emerson Leave a Comment

One of the earliest lessons I learned in business was that balance sheets, and income statements are fiction and that cash flow is reality. It would be best if you learned quickly that metrics like profits, sales, or net worth don’t impact the day-to-day operations of a small business as actively as cash flow. But […]

Filed Under: 10 Things Lists, Cash Flow & Finance Tagged With: account receivable, cash flow goals, cash flow in my business, expense payments, small business cash flow

How to Qualify for PPP Loan Forgiveness

May 25, 2020 By Melinda Emerson Leave a Comment

How to Qualify for PPP Loan Forgiveness Open Graph

If you were one of the fortunate small businesses that we’re able to secure a Paycheck Protection Program loan (PPP loan), I know you want to make sure that you don’t need to pay it back. I’ve been doing some digging on this, and I hope this post will provide guidance and a better understanding […]

Filed Under: Cash Flow & Finance, Your Small Business Tagged With: Paycheck Protection Program loan, small business loan, small business owners, small businesses facing economic hardship, unemployment benefits

How to Build Business Credit

May 5, 2020 By Melinda Emerson Leave a Comment

How to Build Business Credit Featured Image

Building good business credit is an essential step for every new business because it allows you to keep your business and personal credit separate, and it gives you the purchasing power you need to grow your business. If you’re a small business owner, we’re going to look at how you can build your business credit […]

Filed Under: Cash Flow & Finance, Grow Your Business Tagged With: build good business credit, building business credit, business credit file, credit scores, federal tax identification number, good credit

How to Apply for a Coronavirus SBA Emergency Loan

March 24, 2020 By Melinda Emerson Leave a Comment

How to Apply for a Coronavirus SBA Emergency Loan OG

As a business owner, you are probably looking for solutions to keep your business afloat since the coronavirus crisis started. If your cash flow has been impacted, you may qualify for a coronavirus SBA emergency loan to take care of payroll, pay your vendors, pay your office rent, reduce your payroll taxes, and pay your […]

Filed Under: Cash Flow & Finance, Your Small Business Tagged With: cash flow, coronavirus crisis, coronavirus SBA emergency loan, pandemic, Substantial economic injury

Finding The Money To Start Your Small Business

January 13, 2020 By Melinda Emerson Leave a Comment

The following is an excerpt from my book: Become Your Own Boss in 12 months or Less! A Month-by-Month Guide to Start a Business that Works!  If you are ready to take the leap into entrepreneurship, you must get really focused on your finances. It will be a real test to get back to only […]

Filed Under: Cash Flow & Finance, Starting A Small Business Tagged With: Be Your Own Boss, business funding, entrepreneurship, Finances, money-saving tips

How to Say Yes to Profits and No to Taxes

October 10, 2019 By Melinda Emerson Leave a Comment

How to Say Yes to Profits and No to Taxes - OG

Every week as SmallBizLady, I conduct interviews with experts on my Twitter talk show #SmallBizChat. The show takes place every Wednesday on Twitter from 8-9 pm ET.  This is excerpted from my recent interview with Octavia Conner, @SayYesToProfits. Octavia is the #1 Virtual CFO and Strategic Business Advisor to 6 and 7-figure businesses. She is […]

Filed Under: Cash Flow & Finance, SmallBizChat Tagged With: finance, growth of small business, profit, profitable CEO, profits, small business, small business money matters, small business owner, taxes

How to Look For Angel Investors If You Are a Female Founder

September 17, 2019 By Melinda Emerson Leave a Comment

How to Look For Angel Investors If You Are a Female Founder - OG

 When I meet first-time entrepreneurs, almost every initial conversation eventually turns to “How and where do I look for angel investors”? This process is especially arduous for female founders. In 2018, Fortune magazine reported that only 2.2 percent of all venture capital funding in the U.S. went to companies founded solely by women, and another […]

Filed Under: Cash Flow & Finance, Starting A Small Business, Women in Business Tagged With: angel investor, crowfunding, funding, investment, small business owners, woman owned business, women entrepreneurs

8 Tips for a Better Small Business Loan Application

September 24, 2019 By Melinda Emerson Leave a Comment

Small Business Loan Application - OG

You can apply for a small business loan today from many different lenders, both traditional and alternative. These can help you expand your business, hire new employees, increase your sales or product research budget, and more. Here, we’ll explore 8 quick tips to help you create a better small business loan application. 8 Tips for […]

Filed Under: Cash Flow & Finance, Your Small Business Tagged With: business loan, credit score, financing, loan, loan application, small business, small business loan application, small business loans, small business planning

11 Things You Need to Know About Securing Corporate Sponsorship

August 26, 2019 By Melinda Emerson Leave a Comment

11 Things You Need to Know About Securing Corporate Sponsorship - Social

A corporate sponsorship is a mutual business proposition that offers something in exchange for a financial commitment from a corporation. These relationships have been growing significantly throughout the years. So how can your small business tap into corporate sponsorships? Let’s look at 6 steps to securing corporate sponsorship and the 5 reasons why sponsorships fail. How […]

Filed Under: Business Inspiration, Cash Flow & Finance Tagged With: corporate sponsorship, entrepreneurs, mutual business proposition, small business, sponsorship. funding

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In this episode, Melinda Emerson introduces an engaging discussion with guests Rich Trotter, Mitch Axelrod, and Dr. Dan Young. The conversation kicks off with each guest sharing their favorite business podcast and app, revealing unique tools that aid their entrepreneurial journey. They then delve into timeless marketing strategies, discussing classic tips that still hold relevance […]

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