Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader’s Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
One form of relief offered to small businesses is the Employee Retention Tax Credit. First introduced in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, this tax credit could be claimed by eligible employers on quarterly tax returns. This program was expanded by the Consolidated Appropriations Act signed into law in December 2020, making the credit accessible to more employers.
The SBA offers a variety of loan programs that vary according to business needs. Its flagship program is the 7(a) loan program, which offers loans for most general business purposes. However, it also offers special programs such as microloans and disaster loans. Find out more about SBA loans, including who qualifies.
QuickBooks Online is cloud-based accounting software. It has the complex accounting capabilities that small business owners need and supports numerous integrations. Quickbooks Online has a lot to offer in terms of features, accounting, and usability.
Loans expert Erica Seppala talks inflation with Nasdaq.
Financial expert Erica Seppala analyzes in Real Simple what people in their 40s can do to strengthen their finances.
Loans expert Erica Seppala tells Real Simple why an app might help people pay down their debt faster.
Revenued Business Card is a relatively unique product, and while it can work for many businesses, it won’t be for everyone. However, within Revenued’s target niche, it’s a great choice. Overall, we give Revenued a rating of 3.7 out of 5 stars.
For small business owners, you’ll likely find better rewards checking options elsewhere. For self-employed individuals who are looking to grow their business, Found might also not be the best fit as it won’t scale alongside your business. Check out out top online business bank accounts to see all of your best banking options.
It is not too late the claim the ERC. If you qualify, you can file an amended quarterly return using Form 941-X to receive the tax credit in the form of a refund.
Property insurance policies do not normally protect you in case of damage from floods. Flooding is defined as water inundating an area of normally dry land and affecting two or more adjacent properties or 2+ acres. Your property insurance policy will protect you from other types of water damage, such as a burst pipe, but only flood insurance helps you in the event of an actual flood.
Hiring the best candidates requires businesses to understand how to find employees. Job candidates’ skillsets and qualifications will vary greatly depending on your company’s recruitment strategies, so it’s essential to build a recruitment strategy that prioritizes attracting good employees.
Banking as a service is a software solution that financial technology companies, or fintechs, use to provide banking services to customers. Backed by traditional banks, fintechs offer bank accounts, credit cards, and more through one platform. BaaS providers aim to integrate as many financial services as possible, streamlining small businesses’ financial practices and accounting.
In order to receive offers through Amazon Lending, you must have a U.S.-based Amazon business. Amazon does not disclose its lending criteria, but it does state that you may qualify for one or more products at any time. To see if you have any offers, simply check the homepage of your Seller Central account.
A corporate credit card policy protects your organization, its financial security, and its employees. But what should a corporate credit policy include? Are there corporate credit card policy best practices you can learn from?
A real-time payment is a transaction made through the Clearing House’s RTP network. Though more limited than ACH, payments made through the RTP Network settle almost immediately.
You can sell physical or Square gift cards to your customers that can be used online or in-store. These cards work the same as cash when customers purchase your products or services.
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Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. Revenued made the cut.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. Revenued made the cut.
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