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Small Business Insight

Understanding Interchange

Dec 07, 2016

"Show Me The Money": How Batching Processes Can Make Or Break Your Business's Cash Flow

Nov 30, 2016 | Funding


Small Business Saturday – Is Your Business Ready?

Nov 23, 2016

In 2010, American Express set out to create an annual shopping day designed to promote small, independently owned, businesses. Small Business Saturday takes place the Saturday following Black Friday and encourages communities to explore the products and goods small local businesses, like yours, have to offer.

Did you know, though, that there are things you can do now that will increase your sales on this important shopping day? These are a few small moves you can make that will have a big impact on your Small Business Saturday Sales.

Consider a Working Capital Line of Credit to Boost Inventory

How to Avoid Chargebacks

Nov 16, 2016

As a small business owner, nothing is more annoying than getting a phone call or letter from your credit card processor finding out that you have been hit by a chargeback. The cost can be a big hit to your bottom line because not only do you lose the money that was included in the transaction; you may face fees from your processor or bank too. While it may be impossible to avoid all credit card chargebacks, we’ve put together a short guide that may help you avoid some of the more common issues that lead to chargebacks—protecting your firm’s financial situation.


Working Capital

Nov 09, 2016



 With fourth quarter in full swing and the holiday season looming ahead, many companies are ready to crank up and take business to the next level. However, there is one thing needed to make that happen—money. Companies small and large need access to cash if they want to achieve more during the holiday season and into the first quarter of the upcoming year. While there are may ways to obtain needed cash flow, there is one option that stands out from the others. Learn more about what a working capital program is, why it is superior to a bank loan, how such a program can help you achieve all your business goals in the fourth quarter and what you need to do to qualify for such a program.

Tis the Season for Gift Cards

Oct 26, 2016

Tis the Season for Gift Cards

The holiday shopping season is a critical time for retailers—small and large. In fact, this could be the busiest season ever. The National Retail Federation (NRF) is predicting retail sales in 2016 to increase 3.6 percent—to $655.8 billion. That’s a huge chunk of change being spent. One of the top items sold during the holidays is always the gift card. In 2015, NRF surveyed respondents and found that around 73.4 percent of American adults were planning to buy one or more gift cards during the holiday shopping season. Stats like that should be reason enough to convince any retailer that offering gift cards is a must. However, if you are not yet convinced, we’ve gathered nine reasons you should make gift cards a primary focus this holiday season.


How To Boost Employee Morale

Oct 12, 2016


Failure to understand the cause of low morale leads to artificial fixes that either create a false sense of a morale boost while further frustrating employees or do nothing at all. It is important to understand that low morale is not the result of external forces: customers, regulations, audits, bad PR, decreased sales. Nor are team members to blame when low morale results in back-biting, victimization or resentment of peers. Rather morale is established exclusively through a top-down mechanism and not the other way around. Management and leadership drive morale up or down. And ultimately only these individuals within the organization can change its trajectory.

Maximize Your Holiday Sales

Oct 05, 2016

5 Tips to Maximize Your Holiday Sales

The holiday season is the time when many businesses turn a profit. A well-organized business owner can get ahead of the curve and earn enough money over winter to carry the shop through the lean early-year months.

DNC List and Your Business

Sep 28, 2016

If you often find yourself screening calls you receive on your landline or cell phone by simply refusing to pick up if you don’t recognize the number, you may wonder whether there is anything you can do to slow this flow of unsolicited calls without risking a missed call from a friend who happens to be at a different phone number that day. Fortunately, in many cases, adding your name to the National Do Not Call (DNC) Registry or reporting a robotic caller who has violated the FCC restrictions on wireless contact can be enough to rid yourself of these unwanted calls for good. Read on to learn more about federal laws governing who can and can’t contact you by phone, as well as some exceptions to the DNC Registry that may still permit unsolicited contact under certain circumstances. 

Self-branding; How To Look Your Best

Sep 21, 2016

Recent studies suggest that some 60% of employers search social media before making hiring decisions; and this is likely to be true of colleges and potential clients as well.  So it’s only common sense to make sure that your profiles and posts cast you in a positive light, and can give no offense.