[HyChief]

The Business Incubator

Step #1
Choose The Type / Form of Business
3 Types of Business
There are three major types of businesses:

1. Service Business
A service type of business provides intangible products (products with no physical form). Service type firms offer professional skills, expertise, advice, and other similar products.

Examples of service businesses are: salons, repair shops, schools, banks, accounting firms, and law firms.

2. Merchandising Business
This type of business buys products at wholesale price and sells the same at retail price. They are known as “buy and sell” businesses. They make profit by selling the products at prices higher than their purchase costs. A merchandising business sells a product without changing its form. Examples are: grocery stores, convenience stores, distributors, and other resellers.

3. Manufacturing Business
Unlike a merchandising business, a manufacturing business buys products with the intention of using them as materials in making a new product. Thus, there is a transformation of the products purchased. A manufacturing business combines raw materials, labor, and overhead costs in its production process. The manufactured goods will then be sold to customers.

**Hybrid Business
Hybrid businesses are companies that may be classified in more than one type of business. A restaurant, for example, combines ingredients in making a fine meal (manufacturing), sells a cold bottle of wine (merchandising), and fills customer orders (service).

Step #2
Choose a business structure

Business structure	Ownership & Document	Liability	Taxes
Sole proprietorship	One person	Unlimited personal liability	Self-employment tax Personal tax
Partnerships	Two or more people	Unlimited personal liability unless structured as a limited partnership	Self-employment tax (except for limited partners) Personal tax
Limited liability company (LLC)	One or more people Certificate of limited liability partnership	Owners are not personally liable	Self-employment tax Personal tax or corporate tax
Corporation – C corp	One or more people Articles of incorporation Bylaws or resolutions	Owners are not personally liable	Corporate tax
Corporation – S corp	One or more people, but no more than 100, and all must be U.S. citizens, Articles of incorporation Bylaws or resolutions	Owners are not personally liable	Personal tax
Corporation – B corp	One or more people	Owners are not personally liable	Corporate tax
Corporation – Nonprofit	One or more people, Articles of incorporation Bylaws or resolutions	Owners are not personally liable	Tax-exempt, but corporate profits can’t be distributed

Step #3

Choose Your Business Name
This is a key step to legally operating your business and potentially establishing a business line of
credit and receiving financial aid from the government.

Decide what your business name will be. Your business name will frame the business identity.
You need to choose a business name that reflects your brand identity and describes the types of
goods and or services you provide.

Use 3 to 4 words maximum. Use google to help you pick the highest ranking words by simply typing
the word into the search bar & clicking send. The number under (all, images, news, video, books)
the 1st line after ‘About” will tell you how high that word ranks. You want each word you use to rank
as high as possible.

Come up with 3 variations of your business name. Variation in spelling and word positioning. Pick the
one you like the most as the main name!

That will be the one that you will use when you apply for your EIN number. Then Do a city / state
search of business names to make sure the name is available. If it is you are good to go, if not you
have to start all over again. If it’s all good, then its time to get a hosting account, so you can register
your business, establish a web presence, and link all of your social media accounts.

Step #4
Register Your Business Name
There are four different ways to register your business name. Each way of registering your name
serves a different purpose, and some may be legally required depending on your business structure
and location. Each of these name registrations are legally independent. Do your best to make sure you use the
same exact name for each designation.

Entity name protects you at a state level

Trademark protects you at a federal level

Doing business As (DBA) doesn’t give legal protection, might be legally

Domain Name: protects your business website address

You are going to NEED: a website address & a website –
This is where you sign up & pay for a hosting account….

A hosting account: Godaddy, HostGator, BlueHost –
( insert affiliate marketing links here) this is who you register your business name/ website
address with & use as the provider for your hosting account which hosts your website.
DO NOT ATTEMPT TO SEE IF YOUR WEBSITE ADDRESS/ BUSINESS URL IS AVAILABLE UNLESS YOU
ARE READY TO PAY FOR IT IMMEDIATELY. IF YOU SUBMIT A NAME & CHOOSE NOT TO BUY IT
THINKING YOU WILL BE ABLE TO COME BACK LATER & GET IT, IT WILL NOT BE AVAILABLE. THE
SYSTEM WILL PURCHASE IT.

Your hosting account should provide you with the ability to set up private email accounts.

Create your business email accounts:
info@nameofmybusiness.com – for people requesting information about your business
accounts@nameofbusiness.com – for accounts associated with your busness
myname@nameofbusiness.com – for people communicating with you about & for business

Step #5
Get a Federal Tax ID / Employer Identification Number
You need it to pay federal taxes, hire employees, open a business bank account, apply for business credit cards

Link:
https://sa.www4.irs.gov/modiein/individual/index.jsp

Step #6
Apply for a Dun & Bradstreet D-U-N-S® Number
Dun & Bradstreet (D&B) provides a D-U-N-S Number, a unique nine-digit identification number, for each physical location of your business.
D-U-N-S Number assignment is FREE for all businesses required to register with the US Federal government for contracts or grants.
Click here to request your D-U-N-S Number via the Web. If one does not exist for your business location, it can be created within 1 business day.

Step #7
File Articles of Incorporation & Banking Resolutions
Are you operating your business as anything other than a sole proprietorship?
If so, you’ll need to bring additional documentation to your account opening appointment.
If you form a business as an LLC, limited partnership, corporation or other separate legal entity,
to open a bank account you will need the articles of organization or incorporation that you filed
with the state, if you are the sole owner…

If you are one of the multiple owners, you will also need to bring a resolution from the other
owners or board granting you the right to transact financial business for the company in general,
or open and control the bank account specifically. Before setting up the accounts and banking
resolutions, you should also decide who will have authority over your business banking. This is called
the assigning authority. “Who will be allowed to sign checks, access account information, make
changes and make withdrawals”

The most crucial information that is required will be:
corporate name,
recipient of all legal notices and official mailings
the purpose of the business,
the duration of the business,
the incorporator,
the ownership, management structure, or directors how many shares of stock can be issued,
how many classes of stock the corporation will be allowed to issue.

Where do I find the form?
Every state has a different form, so here are links to each state’s form, which can be filled in online or
printed out, completed and sent to the secretary of state’s office. Here is the link to the IRS website.

Where do I submit the form and how much does it cost?
Once the proper documents have been filled out, they can be submitted by mail, in person at the
secretary or department of state’s office, or electronically on the secretary or department of state’s
website, depending on your state. The fees will also vary depending on the state, but they generally
run between $50 and $300.

Step #8
Apply for licenses and permits
To run your business legally, there are certain federal and state licenses and permits you will need to
obtain. These resources will help you understand the requirements for your small business. You will
not be able to open a business checking account unless you have a business license. You can get the
information you need about licenses and permits from the United States Small Business Administration.

• Federal Licenses & Permits
  Certain businesses, like ones that sell alcohol or firearms, require a federal license or permit.
• Find out which ones impact your business and how you can comply.
• State Licenses & Permits
  Some states have requirements for specific businesses. Find out what business licenses and
• permits you need in your state.

Step #9
Get business insurance

General liability insurance	Any business	This coverage protects against financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments.
Product liability insurance	Businesses that manufacture, wholesale, distribute, and retail a product	This coverage protects against financial loss as a result of a defective product that causes injury or bodily harm.
Professional liability insurance	Businesses that provide services to customers	This coverage protects against financial loss as a result of malpractice, errors, and negligence.
Commercial property insurance	Businesses with a significant amount of property and physical assets	This coverage protects your business against loss and damage of company property due to a wide variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism.
Home-based business insurance	Businesses that are run out of the owner’s personal home	Coverage that’s added to homeowner’s insurance as a rider can offer protection for a small amount of business equipment and liability coverage for third-party injuries.
Business owner’s policy	Most small business owners, but especially home-based business owners	A business owner’s policy is an insurance package that combines all of the typical coverage options into one bundle. They simplify the insurance buying process and can save you money.

Step #10

Open a business bank account
As dictated by the Patriot Act, Dodd Frank Act and Consumer Financial Protection Bureau, consumer
and business owner/operators must provide certain details and data to corroborate their identities
and their business models –

If you’re a sole proprietor, all you need is an Employment Identification Number (EIN), your Social
Security number, as well as a driver’s license or passport. some banks allow sole proprietors to open
accounts without an EIN

Payment processing companies are an increasingly popular alternative to traditional merchant services accounts. Payment processing companies sometimes provide extra functionality, like accessories that let you use your phone to accept credit card payments. The fee categories that you need to consider will be similar to merchant services account fees. If you find a payment processor that you like, remember that you’ll still need to connect it to a business checking account to receive payments.

Expected cash-flow figures
To get your business banking relationship off to a good start, experts suggest providing as much
information as possible about expected financial transactions. Think about your anticipated cash flow
and possible credit needs before your initial meeting. Will the business collect payments immediately,
or will it invoice them? Does your cash flow change with the season? Some banks also offer
unsecured revolving lines of credit backed by the U.S. Small Business Administration (SBA). The SBA’s
CAPLines program helps business owners meet short-term and working capital needs and can be a
great option for newer businesses less than four years old.

Different types of CAPLines
Seasonal Line.
Loan proceeds can only be used to finance seasonal increases of accounts receivable
and inventory (or in some cases associated increased labor costs), but can be revolving or
non-revolving.

Contract Line.
This line finances the direct labor and material cost associated with performing an
assignable contract and can be revolving or non-revolving.

Builders Line.
If you are a small general contractor or builder constructing or renovating commercial
or residential buildings, this can finance direct labor and material costs. The building project serves as
the collateral and loans can be revolving or non-revolving.

Standard Asset-Based Line.
This is an asset-based revolving line of credit for businesses unable
To meet credit standards associated with long-term credit. It provides financing for cyclical
growth, recurring and/or short-term needs. Repayment comes from converting short-term assets into
cash, which is used to pay back the lender. Your business can continually draw from this line of
credit, based on existing assets. This line is generally used by businesses that provide credit to
other businesses.

Small Asset-Based Line.
This is an asset-based revolving line of credit of up to $200,000. It operates
like a standard asset-based line except that some of the stricter servicing requirements are waived,
as long as your business can show repayment ability from cash flow for the full amount.

4 Credit Line Tips and Warnings
#1. Avoid carrying a constant balance on your credit line.
#2. Periodically paying down the debt completely will keep the credit in place and your lender happy.
#3. One key factor in obtaining a credit line will be your business cash flow.
#4. If your business doesn’t qualify for a standard credit line, ask for an “asset-based” line,
the best time to set up a business line of credit is before your business actually needs it.

Six things a credit line can be used for:
#1. Remodel, expand or upgrade your store, offices or other facilities.
#2. Buy new computers, servers, office technology or other equipment.
#3. Purchase extra inventory for upcoming promotions or seasonal spikes.
#4. Launch a new online marketing campaign.
#5. Create a new product prototype, pursue a promising business opportunity.
#6. Cover unexpected expenses.

Here are things to consider when you’re opening a business checking or savings account:

• Introductory offers
• Interest rates for savings and checking
• Interest rates for lines of credit
• Transaction fees
• Early termination fees
• Minimum account balance fees

Here are things to consider when you’re opening a merchant services account:

• Discount rate: The percentage charged for every transaction processed.
• Transaction fees: The amount charged for every credit card transaction.
• Address Verification Service (AVS) fees.
• ACH daily batch fees: Fees charged when you settle credit card transactions for that day.
• Monthly minimum fees: Fees charged if your business doesn’t meet the minimum required transactions.

Best Banks/ Credit Unions To Use For Business Accounts

Navy Federal

Payment Processing Companies
paypal
square

Step #11
Apply for business lines of credit

Net 30 Accounts
Most Application requirements:
Email
Username
Password
Legal business name
Address
Website URL
Organization type
EIN (employer identification number)
DUNS number
Phone number
How did you find us

1. Crown Office Supplies
Products and Services:
notebooks, folders, stationery, writing instruments, school supplies, electronics, t-shirts, and home goods.
Credit Bureaus:
Dun & Bradstreet
Equifax
Credit Safe
SBFE
LexisNexis
Cost:
$99 annual fee
What They Provide:
Office supplies like staplers, inkjet printers, fax machines, copiers.
What Makes Them Different:
Free shipping on all orders.
Eligibility Category:
New and established businesses. You need to spend at least $30 on your order for them to report your payment.
Vendor Link: https://crownofficesupplies.com/net30-application/

2. CEO Creative
Products and Services:
graphic design supplies, branded apparel, electronics, office supplies, and printing services.
Credit Bureaus:
Dun & Bradstreet
Equifax
Credit Safe,
National Association of Credit Management
Eligibility Category: New and established businesses
Vendor Link: https://theceocreative.com/business-net-30-account/

3. Nav’s Business Boost Plan
Products and Services:
access to business credit reports and scores from Dun & Bradstreet, Experian, and Equifax. Their “Business Boost” subscription plan reports your monthly subscription as a vendor tradeline. (IE Same as a net 30 account.) It costs $39.99/month and can be canceled at any time.
If you’re working on building your business credit, this one is a no-brainer!
Even if you don’t want to pay for the subscription, you can sign up for their free plan to get access to a limited version of your business credit reports and scores.
Credit Bureaus:
Dun & Bradstreet
Experian
Equifax
Eligibility Category:
New and established businesses
Try Nav

4. CreditStrong
Products and Services:
CreditStrong has a business credit builder loan. It’s the only one of its kind. Any business that is at least 3 months old and has an EIN will be approved.
CreditStrong accounts report to the business credit bureaus as a business loan, but operate like a subscription savings plan. Some of your monthly payment is put into a savings account for you. At the end of the loan term, or when you cancel your subscription, that money is given back to you.
They also have a new plan that is 0% APR, meaning that 100% of the money you pay every month goes into a savings account. The trade-off is that you pay a much bigger upfront fee to get started.
The account can be canceled at any time. (It is basically a month-to-month subscription.)
CreditStrong payments will improve your business credit scores for:
Dun & Bradstreet
Experian
Equifax
PayNet.
Because it is reported as a loan, it is a financial tradeline. Financial tradelines are much more powerful for your business credit than vendor tradelines.
Credit Bureaus:
Equifax,
PayNet,
SBFE. (The SBFE reports your payments so they get on your Dun & Bradstreet and Experian credit reports.)
Eligibility Category: New and established businesses – must be at least 6 months old.
Try CreditStrong

5. Wise Business Plan
Products and Services:
Wise Business Plan assists small businesses with digital marketing, business planning, entity formation, licensing, logo design, and more.
Credit Bureaus:
Dun & Bradstreet,
Equifax
Experian
Minimum Order Required for Credit Bureau Reporting:
$97
Annual Membership Fee:
$99 to maintain net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://wisebusinessplans.com/wise-net-30-application/

6. Uline
Products and Services:
Uline has an extensive catalog of miscellaneous products, including envelopes, janitorial supplies, shrink wrap, bags, aerosols, and more.
Credit Bureaus: Dun & Bradstreet and Experian
Minimum Order Required for Credit Bureau Reporting:
$0
Annual Membership Fee:
$0 to maintain net 30 account credit terms.
Eligibility Category: New and established businesses
Vendor Link: https://www.uline.com/CustomerService/ULINE_FAQ_Ans?FAQ_ID=104

7. Quill
Products and Services:
Quill provides supplies for businesses across industries. Their products include office supplies, printers, furniture, safety supplies, and more.
Credit Bureaus:
Dun & Bradstreet and Experian
Minimum Order Required for Credit Bureau Reporting:
$100 for first order, then $50 for future orders
Annual Membership Fee:
$0 to maintain Net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://www.quill.com/payment-information/cbi/94.cshtml

8. Creative Analytics
Products and Services:
Creative Analytics provides digital marketing and management consulting services. They also sell miscellaneous products for businesses across various industries, such as
beauty products,
vehicle accessories
fitness products.
Website Design Services
Content Marketing Services
Hands-free Reading Lights
MacBook Pro/Air USB-C hubs
Ideal For:
Online businesses
Tech companies
Home-based companies
Credit Bureaus:
Equifax and Credit Safe
Minimum Order Required for Credit Bureau Reporting:
$100
Annual Membership Fee:
$79 to apply and maintain net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://creativeanalyticsdc.com/net30/

9. Business T-Shirt Club
Products and Services:
Business T-Shirt Club provides blank, customized, and pre-decorated apparel for businesses, including shirts, sweatshirts, hoodies, joggers, and more.
Credit Bureaus:
Equifax, Credit Safe, Ansonia, and Cortera
Minimum Order Required for Credit Bureau Reporting:
$250 minimum for blank clothing orders, custom design orders require a 12-item minimum.
Annual Membership Fee:
$69.99 to maintain net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://www.businesstshirtclub.com/page/benefits/credit-reportin

10. Summa Office Supplies
Products and Services:
Summa Office Supplies provides generic office supplies, such as pens, filing folders, envelopes, tape, labels, legal pads, and Wite-Out.
Credit Bureaus:
Equifax and Experian
Cost:
$75 annual fee
What They Provide:
Office supplies such as paper, pens, staplers, etc. at discounted prices.
What Makes Them Different:
Summa is an office supply company that offers written trade credit references. This is to help small business owners improve their business credit rating and better qualify for other vendor credit accounts
Eligibility Category:
New and established businesses
Vendor Link:
https://summaofficesupplies.com/register

11. Grainger
Products and Services:
Grainger provides a wide variety of industrial supplies, including abrasives, lightbulbs, lab supplies, office chairs, welding tools, and more.
Credit Bureaus:
Dun & Bradstreet
Eligibility Category:
New and established businesses – you must have been in business for at least 3 months
Vendor Link:
https://www.grainger.com/content/cof_financing

12. Ohana Office Products
Products and Services:
Ohana Office Products sells assorted mail-order office supplies, including shredders, printer ink, fans, file folders, Wite-Out, and more.
Credit Bureaus:
Undisclosed credit bureaus
Eligibility Category:
New and established businesses
Vendor Link: https://ohanaofficeproducts.com/register

13. NAMYNOT
Products and Services:
NAMYNOT is a brand growth and marketing strategy firm. They provide various digital marketing services, including content marketing, search engine optimization, social media management, inbound lead generation, and more.
Credit Bureaus:
Dun & Bradstreet
Minimum Order Required for Credit Bureau Reporting:
No minimum order is required.
Annual Membership Fee:
$0 to maintain Net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://namynot.com/net-30/

14. HD Supply
Products and Services:
HD Supply provides a wide range of products, including hardware, appliances, cabinets, electronics, and hospitality supplies. They also offer a limited selection of services, such as technical training for maintenance technicians and property improvement.
Credit Bureaus:
Dun & Bradstreet
Minimum Order Required for Credit Bureau Reporting:
$0. For your transactions to be reported there has to be a balance in your account at the end of the month. Same month payments and credit card purchases are not reported.
Annual Membership Fee:
$0 to maintain Net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://hdsupplysolutions.com/s/credit_application

15. Strategic Network Solutions
Products and Services: Strategic Network Solutions is an information technology company that provides product support, network security, business continuity, and disaster recovery services.
Credit Bureaus: Credit Safe and Experian
Eligibility Category: New and established businesses
Vendor Link: https://stntsol.com/register

16. Staples
Products and Services:
Staples sells a wide range of office supplies and equipment, including paper, files, notebooks, printers, computers, and furniture.
Credit Bureaus:
Dun & Bradstreet
Eligibility Category:
New and established businesses
Vendor Link:
https://www.staples.com/sbd/content/help/yourorder/invoiceaccountpopup.html

17. SupplyWorks
Products and Services:
SupplyWorks is a Home Depot company. They provide hardware, appliances, cleaning supplies, paint, safety products, and more.
Credit Bureaus:
Undisclosed credit bureaus
Eligibility Category:
New and established businesses
Vendor Link: https://www.supplyworks.com/info/terms-of-sale

18. JJ Gold International
Products and Services:
JJ Gold International sells products in five categories: hair and beauty, gift sets, home and decor, jewelry, and men’s care.
Credit Bureaus: Dun & Bradstreet
Eligibility Category: New and established businesses
Vendor Link: https://jjgold.com/net30-account/

19. Office Garner
Products and Services:
Office Garner sells office supplies, apparel, kitchen appliances, electronics, and small business cards. They also provide website design services.
Credit Bureaus: Credit Safe and Equifax
Minimum Order Required for Credit Bureau Reporting:
$45
Annual Membership Fee:
$0 to maintain net 30 account credit terms.
Eligibility Category: New and established businesses
Vendor Link: https://officegarner.com/about-net-30/

20. Newegg Business
Products and Services: Newegg Business provides a wide range of business supplies and equipment, including computer hardware and software, laptops, routers, monitors, telephones, furniture, and more.
Credit Bureaus: Dun & Bradstreet and Equifax
Eligibility Category: New and established businesses
Vendor Link: https://www.neweggbusiness.com/net-30-terms

21. Laughlin and Associates
Products and Services:
Laughlin and Associates provide a range of business services to help get your business started and organized. These include incorporation assistance, credit management, and accounting assistance.
Credit Bureaus:
Experian
Eligibility Category:
New and established businesses
Vendor Link:
https://laughlinusa.com/home

22. The Red Spectrum
Products and Services:
The Red Spectrum’s Business Builder subscription was designed to help you build business credit. It costs $55 per month and has a $99 sign-up fee. They will also provide you with a credit reference letter upon request.
Credit Bureaus:
Equifax
Credit Safe
Eligibility Category:
New and established businesses
Vendor Link:
https://www.theredspectrum.com/business-builder/

23. Shirtsy
Products and Services:
Shirtsy also does print-on-demand T-shirts and other branding collaterals like business cards, etc. These products are perfect for startups wanting to grow their brand successfully.
Customers can find and buy shirts from their online store by searching for popular brands on the website or visiting the storefronts of thousands of businesses near them through Shirtsy’s app.
Shirts, Jackets, and Hoodies
Shoes
Accessories
Business Cards
Credit Bureaus:
Dun & Bradstreet
Equifax Small Business.
Minimum Order Required for Credit Bureau Reporting:
$97
Annual Membership Fee:
$99 to maintain net 30 account credit terms.
Eligibility Category:
New and established businesses
Vendor Link:
https://www.theredspectrum.com/business-builder/

24. Amazon (Pay by Invoice)
Amazon’s Pay by Invoice program for business accounts provides a credit line (business loan) limit up to your monthly spend amount. A regular account offers net 30 terms upon approval of your credit application. With Pay by Invoice, Amazon doesn’t charge upfront interest or fees.
The Pay by Invoice approval process is rapid. Amazon emails applicants a decision about approval within hours. Amazon Business Prime members are eligible for longer payment terms up to an approved credit limit. Amazon Business Prime members (paying a Prime membership fee) can apply for 45-day credit terms with the Small or Medium business plans or 60-day payment terms with the Enterprise plan.

Gas Cards

Store Cards

Step #12
Learn About Business Laws
As a small business owner, you are subject to some of the laws and regulations that apply to large
corporations. These resources
can help you understand which requirements do apply to your business.

Advertising & Marketing Law
Learn the basic rules when it comes to advertising, labeling and marketing your products or services.

Employment & Labor Law
Hiring your first employee or building your business team requires you to comply with a special area
of law. This guide will help ensure your small business follows employment and labor laws.

Finance Law
Learn about the financial laws that protect businesses, investors and customers and how you can
comply.
Intellectual Property Law
Learn how intellectual property law can protect your business interests and find out how to register
a trademark or service mark, file a patent or copyright your work.

Online Business Law
Whether selling on eBay, or operating an e-commerce site, there are several laws that you must
comply with such as how and when to collect sales tax. Learn more about laws for online businesses.

Privacy Law
Learn how intellectual property law can protect your business interests and find out how to register
a trademark or service mark, file a patent or copyright your work.

Environmental Regulations
Laws to protect the environment could impact your small business. Refer to this guide to find out
how to comply with environmental laws.

Regulation of Financial Contracts
If you are conducting business transactions outside of your state, you need to comply with the
Uniform Commercial Code (UCC). Learn more about UCC requirements.

Workplace Safety & Health Law
Learn more about a variety of tools, guides and training materials that can help you comply with
occupational safety and health laws.

Foreign Workers & Employee Eligibility
Be sure to understand all laws and regulations about employee eligibility as you prepare to hire
employees.

Contact a Government Agency
Need help determining which laws your small business must comply with? These resources can help.

Business Financials
Improve your odds of business success by understanding your financing needs as well as the options
that are available to help you start, manage and grow your business.

Estimating Startup Costs
Assess the costs associated with starting, managing and growing your business.

Using Personal Finances
Learn how your personal finances can affect your business finances.

Preparing Financial Statements
Learn about the importance of understanding financial statements for your small business.

Developing a Cash Flow Analysis
Learn how to determine the amount of cash you need to start, operate and expand your business.

Breakeven Analysis
Learn how to determine when your business will break even and begin to make a profit.

Borrowing Money for Your Business
Learn what you will need before seeking out financial assistance for your business.

SBA Financial Assistance Eligibility
Learn what the requirements are for businesses seeking SBA financial assistance.

Is Your Business Fiscally Fit?
Learn how to better manage your business money with Money Smart, an instructor-led business
training curriculum.

Finance Your Business
You have a variety of options when it comes to financing your small business. Explore your
opportunities that range from traditional loans to grants and bonds.

Loans
You’re going to pay for this great idea of yours. These topics will provide you with everything you’ll
need to know about funding.

Grants
Learn what grants are available to your small business.

Venture Capital
Learn about this financing option available to startups and high-growth technology companies.

BusinessUSA Financing Tool
Use our search tool to help you identify what government financing programs may be available to
help start or expand your business.

Filing & Paying Taxes
Find out if your business needs to obtain a tax ID and what the benefits and requirements are.

Is It A Business or a Hobby?
Learn if the activity you are engaging in qualifies as a business or a hobby and what the tax advantages and
requirements are for each.

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