Pen Air Federal Credit Union | Business Services. Questions? Contact the Pen Air Federal Credit Union at 850-505-3200. Pen Air Federal Credit Union provides large and small businesses with a vast array of business services & resources. From employee benefits, to business banking accounts, business loans, support services, starting your business, and other resources to help you get started and to continue growing your company.
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Small Business Development Center at the University of West Florida. Questions? Contact the Small Business Development Center at the University of West Florida at 850-595-0063. The Small Business Development Center helps businesses become more successful and meet the challenges of tomorrow. Whether you are starting a business, buying a business, growing a business, selling a business or looking for financing, we can help you!
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Warren Averett, LLC | Certified Public Accountants. If you have questions, contact your nearest Warren Averett, LLC office, here. Regional accounting and consulting firm, providing services including tax preparation, audit and assurance services, IT consulting, employee benefits planning, and business consulting.
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Accounting Coach Financial & Managerial Accounting Resource Excellent (FREE) online accounting resource. Learn accounting principles, debits and credits, financial ratios, breakeven point, improving profits, and more. Site's resources go a long way toward helping you become more financially literate.
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Automatic Data Processing, Inc. (ADP) | Online Calculators & Tools. This site offers free business tools including online calculators for 401(k) management, payroll, compliance and retirement planning.
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This article gives business owners, the heads up on collecting late payments. No business can survive with inconsistency in customer's payment. Use these tips for the sake of your business' future as a tool for increasing your odds of getting paid.
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Utilize the following business and marketing calculators to quickly and easily evaluate different aspects of your business. From calculating start-up costs to monitoring your cash flow, these calculators are great tools for businesses of all sizes.
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With a credit crunch and many banks tightening up or eliminating lines of credit, it's important for business owners to maintain a steady cash flow. This Entrepreneur.com article outlines 5 ways you can manage your company's cash flow.
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This Entrepreneur.com worksheet will help you compute the initial cash requirements for your business. At a further glance, discover a list of things you need to consider when determining startup costs and include both the one-time initial costs needed to open the doors and the ongoing costs faced each month for the first 90 days.
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EquityNet is a leading private capital and support network that offers patented business plan software and analysis tools for entrepreneurs to efficiently plan their business, raise start-up funding, and seek support. Angel investors, venture capitalists, government entities, business incubators, service providers, and other members of the entrepreneurial community use EquityNet to capitalize and support young, privately-held businesses. Contact EquityNet today at 479-442-3638.
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This free business valuation calculator shows that business valuations are typically based on three major methods: the income approach; the cost approach; and the market (comparable sales) approach. Click here to discover more!
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Should you lease or buy? Use this calculator to find out! Calculate monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you.
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Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.
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Use this calculator to estimate your debt service coverage with a new commercial loan. If your debt service coverage is greater than 1.25, including your new loan payment, you have a good chance of being approved.
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Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. If your working capital dips too low, you risk running out of cash. Even very profitable businesses can run into trouble if they lose the ability to meet their short-term obligations. The calculator assists you in determining working capital needs for the next year.
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To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business. An expense does not have to be indispensable to be considered necessary. Learn more from this Internal Revenue Service page.
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Running your own business is highly rewarding, as it offers you personal satisfaction, enables you to identify your capabilities, gives you financial independence, provides you the opportunity to excel in life and above all, contribute to the community. Ensuring to plan wisley and utilizing the available resources to keep startup costs low is critical. Consult this MoreBusiness article for additional information.
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While big businesses can absorb the occasional unpaid bill, late payers pose more of a threat to smaller companies. So, how do you avoid them? Consider seven tried-and-true methods that have helped other small businesses get paid promptly. Learn more from this article provided by the National Federation of Independent Business.
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There are four financial statements every business should become familiar with and have a solid understanding of. These financial statements include: balance sheets; income statements; statement of owner’s equity; and statement of cash flows. Learn more from this guide provided by QuickMBA.com.
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Always maintaining a positive cash flow for your company is crucial to its continuation and advancement. This Startup Nation articles outlines great revenue generating tips so you can ensure your company is always in the black in terms of revenue.
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Ever wish you had a CFO at your side to answer questions? Read on to master the intricacies of small business money management, from bookkeeping to managing your credit, analyzing cash flow to growing your personal wealth.
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