#small-business
Small Business
Financial management strategies and tools for small business owners
The Philippines' BIR Is Now Watching Freelancer and Influencer Income: Registration, 8% Tax, and the Seal You Must Display in 2026
The BIR now requires freelancers, influencers, and online sellers to register, display a Registration Seal Badge, and choose between 8% gross or graduated + percentage/VAT. RMC 97-2021 and 500 influencers probed are the backdrop.
PLESAs for Small Business: How Pension-Linked Emergency Savings Accounts Work in 2026
A PLESA is a Roth emergency-savings account embedded in a 401(k), capped at $2,500, with tax- and penalty-free withdrawals employees can take any month. This guide covers how SECURE 2.0 pension-linked emergency savings accounts work for small businesses — the contribution rules, the match wrinkle, the compliance checklist, and whether adding one in 2026 is worth the cost.
Pool Service Route Bookkeeping: Separating Chemical COGS from Labor, Tracking Route Density, and Pricing for Profit
Pool service profit is route density plus chemical control. Learn how to separate chemical COGS from labor, price the three chemical models, and track stops-per-day and revenue-per-route.
Pre-Need Funeral Trust Accounting: How to Track Future Obligations and Recognize Revenue Correctly
Pre-need funeral payments are not revenue until service — they're trust liabilities. Accrual, revenue recognition, and compliance for 2026.
Ramp Data: Companies Replacing Freelancers With AI — What 0.66% to 0.14% Spend Says About Hiring
Ramp: freelancer marketplace spend fell 0.66%→0.14% while AI model spend rose to ~3%; top freelancer spenders shifted fastest — what it means for hiring.
Ramp Stack and the Rise of the "AI Operating System" for Accounting: What the $44B Ramp Launch Means for Firms and Small Business Clients in 2026
Ramp launched Stack June 3, 2026 — an AI operating system for accounting firms that deploys agents for close, reconciliations, and journal entries. Learn what it automates and where human review remains.
Reducing RMDs With QCDs in 2026: How a $111,000 Charitable Distribution Lowers Your Required Minimum
QCDs up to $111,000 in 2026 let IRA owners 70½+ give directly to charity, satisfy RMDs, and exclude the distribution from income.
The Reshoring Boom That Isn't: What Tariff-Driven Price Hikes Mean for Small Businesses in 2026
KPMG's 2026 tariff survey found 55% of businesses plan further price hikes, while reshoring remains rare — only a slow shift from evaluation to execution. Learn why manufacturers prefer hikes to moving.
Retail Delivery Fees Are the Next Sales Tax Headache: What Colorado and Minnesota Charge and Who Must Collect
Colorado charges $0.29 per retail delivery and Minnesota $0.50 on orders $100+ — separate from sales tax. Thresholds, collection, and bookkeeping for 2026.
SAFE Banking Revived June 2026: What the New Bill Means for Cannabis Businesses Seeking Banking
June 24 2026 SAFE Banking reintroduced (38 pages) — safe harbor for banks serving state-legal cannabis, plus loans, debit, and mortgage access.
Inside the SBA's Nationwide PPP and EIDL Fraud Sweep: What Legitimate Borrowers Should Know as State-by-State Suspensions Keep Coming in 2026
The SBA suspended 7,800 Wisconsin borrowers tied to $375M in suspected PPP/EIDL fraud — part of a $10B+ nationwide sweep. Learn what legitimate borrowers should verify now and how to respond if flagged.
Section 174A Is Back: How OBBBA Restored Immediate R&D Expensing for Small Businesses in 2026 (and the New Form 6765 Reporting Rules)
OBBBA created Section 174A to permanently restore immediate expensing for domestic R&E after Dec 31, 2024. Learn the retroactive window that closed July 6, 2026, the new mandatory Form 6765 Section G for 2026, and how to tag domestic vs foreign costs by business component.