Author: Arvin Faustino

So you’re thinking about acquiring a business loan, but you’re not sure where to start. First off, lenders want to see a history of payments, vendors want assurance that you pay on time, and you need a clear path to get started when you have no track record yet. For small business owners, credit serves…

The recent passage of the “No Tax on Tips” law marks a big shift for service-based businesses. It removes federal income tax from employee tips and changes payroll processes, reporting requirements, and compensation structures. Restaurants, salons, delivery services, and other sectors where tipping accounts for a large share of worker income must understand the operational…

Starting a business feels a lot like stepping into a high-stakes card game. Every decision carries weight, and one of the earliest choices you’ll face is its business structure. It’s not the flashiest topic, but it influences almost every other move you’ll make, including how you pay taxes, how much risk you take on, and…

Small businesses inevitably reach moments when extra capital isn’t just helpful, but necessary. Maybe it’s purchasing equipment to keep up with demand, hiring staff to handle growth, or covering cash-flow gaps that come during slower seasons. Loans are one of the most accessible ways to get that funding, but the approval isn’t always guaranteed. Lenders…

Running a small business is no easy feat. Most often, every moving part is handled by you, often with less support and fewer resources than larger companies enjoy. You’re the marketer, the accountant, the manager, sometimes even the janitor. Taxes? They’re usually squeezed in after everything else. And that’s where money gets left on the…

Running a small business can feel like trying to sprint through mud. Every step pushes you forward, yet the energy it takes can drain you before lunchtime. Meanwhile, big brands seem to glide, their campaigns humming in the background of daily life on screens, in chats with friends, even in small moments at the checkout…

Let’s be honest. When you first started your business, you probably didn’t lose sleep over bookkeeping. Maybe you downloaded a simple spreadsheet template, fired up some accounting software, and told yourself, “I’ve got this.” And for a while, you probably did. It’s not rocket science to record sales or categorize expenses. But as the months…

Growth. It’s the carrot every small business chases, and for good reason. Expanding your reach, scaling your impact, increasing revenue, it’s all part of the dream. But somewhere along the way, things slow down. Leads dry up, team morale dips, sales plateau. And it’s not always one big misstep. Often, it’s a handful of quieter…

Let’s say you’ve got a solid idea, maybe even a prototype or a few early customers. The fire’s lit. Now comes the big question: do you build it brick by brick with your own cash, or do you grab a bucket of gasoline from an investor and set the thing ablaze? That’s the essence of…