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Erica Seppala

Editor & Senior Staff Writer

7+ Years At Merchant Maverick

Education: AA Liberal Studies, Limestone University

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.

Merchant Maverick Archives for Erica Seppala | Page 19

Business VS Personal Bank Accounts: What You Need To Know

Switching to a business bank account can help you build a professional reputation and establish credibility, limit your personal liability if your business plans don’t work out the way you want them to, and make it easier to manage your business finances and file your taxes. Let’s dig in further to see what other benefits there are to having a business account, and whether there are any drawbacks.

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May 14, 2026 Filed under: Business Banking

Can You Use Your Personal Bank Account For Business?

It’s pretty common for entrepreneurs to use a personal bank account to manage a new business. But as you grow, is it still a good idea to use that personal account? And how do you know when it’s better to open up a business checking account? Read on for a detailed explanation of when it’s okay to use a personal bank account and why you should eventually upgrade to a business checking account.

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May 14, 2026 Filed under: Business Banking
SpotOn logo

SpotOn POS Review

With multiple pricing plans, systems, and features, businesses of all sizes can use SpotOn. Throw in an easy-to-use and intuitive UI, plenty of add-ons and integrations, and numerous positive reviews from past and current customers, and it’s not hard to see why SpotOn is a worthy contender in the POS space.

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Dec 2, 2025 Filed under: POS System Reviews, Restaurant POS System Reviews

Toast VS Square POS

Should you choose Square or Toast for your restaurant? Both are terrific options for small businesses — particularly for small to mid-sized quick service and full-service establishments. Read our Toast VS Square comparison to see which is better for you!

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Dec 1, 2025 Filed under: Point of Sale, Restaurant POS
top 5 tips for grant applications

How To Write A Strong Business Grant Application

Grant writing is a year-long endeavor that can take up a lot of your time and resources, including the emotional labor of hoping and grieving as announcements are made and the cycle continues. Read on for our top tips on how to write a winning business grant application, and what not to do when you’re applying for a grant.

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Dec 17, 2025 Filed under: Business Grants, Small Business
Texas health

The Complete Guide To Texas State Income Tax & Payroll Taxes

It’s important that you comply with Texas laws and regulations regarding payroll taxes so that your business can continue its operations uninterrupted. Read on to learn everything you need to know when you file and submit payroll in Texas as a small business owner for the first time.

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May 25, 2026 Filed under: Payroll

The Complete Guide To Payroll Deductions

Wondering about payroll deductions for your small business? Payroll deductions can be mandatory or voluntary, and differ in whether they need to be made pre- or post-tax. To help make sense of it all, this guide will introduce common payroll deductions, break down their requirements, and explore methods for calculating federal withholdings.

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May 19, 2026 Filed under: Payroll
PEO

What Is A PEO?

What is a PEO? In short, PEOs are human resource companies that contract with small and mid-size businesses to manage HR services, such as payroll, employee benefits, and tax administration. We’ll explore professional employer organization for payroll and how to know if it is a good fit for your small business in this post.

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May 22, 2026 Filed under: Payroll
ADP VS QuickBooks Payroll

ADP VS QuickBooks Workforce

Payroll and HR software can save precious time for small business owners, but searching through a laundry list of payroll products and features may be hard to squeeze into an already busy schedule. To help get you started, we’ll take an in-depth look at two premier payroll software apps: QuickBooks Online Payroll and ADP.

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May 27, 2026 Filed under: Payroll