Guides Library

Business Guides

Everything you need to know about running a business — from formation to funding, pricing to payroll. Every guide is backed by authoritative sources.

Technology & Tools·beginner·11 min read

Data Backup and Recovery: What You Lose If You Don't Plan

Ransomware, hardware failure, human error, natural disasters. Any of these can wipe out your business data overnight. Here is how to build a backup and recovery plan that actually works.

By Josh Caruso·Feb 15, 2026
Technology & Tools·intermediate·10 min read

Payment Processing: Merchant Accounts, Stripe, Square, and Fees

Every transaction has a cost. This guide breaks down how payment processing actually works, what fees you are really paying, and how to choose the right processor for your business type.

By Doug Ebenal·Feb 13, 2026
Technology & Tools·intermediate·10 min read

Mobile Workforce Tools: Running a Field Team from Anywhere

Your crew is on job sites, not in an office. Here are the tools, systems, and strategies for managing a mobile workforce so nothing falls through the cracks.

By Josh Caruso·Feb 12, 2026
Technology & Tools·intermediate·10 min read

Cloud vs. On-Premise: Where to Run Your Business Software

Should your business data live in the cloud or on a local server? This guide breaks down the real costs, risks, and trade-offs so you can make the right infrastructure decision.

By Doug Ebenal·Feb 11, 2026
Technology & Tools·intermediate·9 min read

Automation for Small Business: What to Automate First

Stop doing manually what software can do for you. This guide identifies the highest-impact areas to automate in your small business and shows you how to get started without breaking what already works.

By Josh Caruso·Feb 10, 2026
Technology & Tools·beginner·9 min read

Cybersecurity Basics: Protecting Your Business Data

Small businesses are the top target for cyberattacks. Here is a no-nonsense guide to the security basics every owner must implement to protect customer data, financial records, and business operations.

By Doug Ebenal·Feb 9, 2026
Technology & Tools·beginner·8 min read

Website Essentials: What Your Business Website Must Do

Your website is your digital storefront. Here is exactly what it needs to include, what it needs to do, and what you can skip, with a focus on turning visitors into paying customers.

By Josh Caruso·Feb 8, 2026
Technology & Tools·beginner·9 min read

AI for Small Business: Practical Applications That Save Time

Cut through the AI hype. Here are the specific, practical ways small business owners are using artificial intelligence right now to save hours every week without hiring data scientists.

By Doug Ebenal·Feb 7, 2026
Technology & Tools·beginner·9 min read

Accounting Software Comparison: QuickBooks, Xero, FreshBooks, Wave

A head-to-head comparison of the four most popular small business accounting platforms, with honest pros, cons, and pricing breakdowns so you can pick the right one.

By Josh Caruso·Feb 6, 2026
Technology & Tools·beginner·8 min read

Choosing Business Software: CRM, Accounting, and Operations

A practical framework for evaluating and selecting the right CRM, accounting, and operations software for your small business without overspending or overcomplicating things.

By Doug Ebenal·Feb 5, 2026
Tax Strategy·advanced·12 min read

IRS Audit Preparation: What Triggers Audits and How to Respond

Learn what triggers IRS audits, how to prepare your records, and how to respond if your small business is selected for examination.

By Josh Caruso·Feb 4, 2026·Includes tools
Tax Strategy·advanced·11 min read

State and Local Tax Obligations: A State-by-State Overview

Navigate the complex landscape of state and local taxes, including income tax, franchise tax, gross receipts tax, and how to determine your obligations in each state.

By Doug Ebenal·Feb 3, 2026
Tax Strategy·intermediate·10 min read

Year-End Tax Planning Strategies for Small Businesses

Actionable year-end tax planning strategies to reduce your tax liability, from timing income and expenses to maximizing deductions before December 31.

By Josh Caruso·Feb 2, 2026·Includes tools
Tax Strategy·intermediate·11 min read

Retirement Plans for Business Owners: SEP, SIMPLE, Solo 401(k)

Compare SEP IRAs, SIMPLE IRAs, and Solo 401(k) plans for small business owners, including contribution limits, tax advantages, and which plan fits your business.

By Doug Ebenal·Feb 1, 2026·Includes tools
Tax Strategy·intermediate·10 min read

Sales Tax Nexus: When and Where You Must Collect

Understand the concept of sales tax nexus, how the South Dakota v. Wayfair decision changed the rules, and how to determine where your business must collect sales tax.

By Josh Caruso·Jan 31, 2026
Tax Strategy·intermediate·11 min read

Payroll Taxes: What You Owe, When You Owe It

A complete guide to federal payroll tax obligations for small businesses with employees, including FICA, FUTA, withholding schedules, and filing requirements.

By Doug Ebenal·Jan 30, 2026·Includes tools
Tax Strategy·intermediate·10 min read

Vehicle Deductions: Mileage vs. Actual Expenses

Compare the standard mileage rate and actual expense methods for deducting vehicle costs, and learn which approach maximizes your tax savings.

By Josh Caruso·Jan 29, 2026·Includes tools
Tax Strategy·beginner·9 min read

Home Office Deduction: Simplified vs. Regular Method

Compare the simplified and regular methods for claiming the home office deduction, and learn which approach saves you more on your taxes.

By Doug Ebenal·Jan 28, 2026·Includes tools
Tax Strategy·beginner·11 min read

Business Tax Deductions: The Complete Guide

A comprehensive guide to every major business tax deduction available to small business owners, with practical examples and documentation requirements.

By Josh Caruso·Jan 27, 2026·Includes tools
Tax Strategy·intermediate·10 min read

Self-Employment Tax: What It Is and How to Reduce It

Understand how self-employment tax works, who pays it, and practical strategies to legally reduce your self-employment tax burden.

By Doug Ebenal·Jan 26, 2026·Includes tools
Tax Strategy·beginner·9 min read

Quarterly Estimated Taxes: How to Calculate and When to Pay

Learn how to calculate quarterly estimated tax payments, when they are due, and how to avoid underpayment penalties.

By Josh Caruso·Jan 25, 2026·Includes tools
Tax Strategy·beginner·8 min read

Federal Tax Obligations for Small Business Owners

Understand every federal tax obligation your small business faces, from income tax to employment taxes, and learn the filing requirements for each.

By Doug Ebenal·Jan 24, 2026·Includes tools
Strategy & Planning·intermediate·11 min read

Building a Competitive Moat: Sustainable Advantages for Small Business

A competitive moat is what keeps others from easily copying your success. Here's how small businesses can build durable advantages that compound over time.

By Josh Caruso·Jan 23, 2026
Strategy & Planning·intermediate·11 min read

Pivoting Your Business: When to Change Direction and How

Knowing when to pivot is one of the hardest decisions in business. Learn how to recognize the signals, evaluate your options, and make the change without losing what you've built.

By Doug Ebenal·Jan 22, 2026
Strategy & Planning·beginner·10 min read

Annual Planning: A Simple Process for Small Business

Annual planning doesn't need to be a corporate ritual. Here's a straightforward process that takes a weekend, not a quarter, and gives you a roadmap you'll actually follow.

By Josh Caruso·Jan 21, 2026
Strategy & Planning·advanced·11 min read

Succession Planning: Who Runs the Business After You?

Whether you plan to retire, step back, or prepare for the unexpected, succession planning ensures your business survives the transition. Here's how to start.

By Doug Ebenal·Jan 20, 2026
Strategy & Planning·advanced·11 min read

Exit Planning: Preparing Your Business to Sell (Even If You're Not Ready Yet)

Most small business owners wait too long to think about their exit. Start planning now so you have options later -- whether that's selling, merging, or passing it on.

By Josh Caruso·Jan 19, 2026
Strategy & Planning·beginner·10 min read

Market Research for Small Business: Low-Cost Methods That Work

You don't need a $50,000 research budget to understand your market. Here are practical, low-cost methods that give you real insight into customers, competitors, and demand.

By Doug Ebenal·Jan 18, 2026
Strategy & Planning·intermediate·10 min read

Goal Setting: OKRs, KPIs, and What Actually Drives Action

OKRs, KPIs, SMART goals -- there's no shortage of frameworks. Here's how to cut through the jargon and set goals that actually change how your business operates.

By Josh Caruso·Jan 17, 2026
Strategy & Planning·beginner·9 min read

SWOT Analysis: A Practical Framework for Decision Making

SWOT analysis gets taught in every business class, but rarely done well. Here's how to use it as an actual decision-making tool instead of a pointless exercise.

By Doug Ebenal·Jan 16, 2026
Strategy & Planning·intermediate·9 min read

Competitive Analysis: Understanding Your Market Position

Stop guessing where you stand. Learn how to systematically evaluate your competitors, identify gaps in the market, and position your business where you can actually win.

By Josh Caruso·Jan 15, 2026
Strategy & Planning·beginner·8 min read

Writing a Business Plan: Who It's Really For

A business plan isn't just a document for lenders. Learn how to write one that actually helps you run your business, make decisions, and stay focused on what matters.

By Doug Ebenal·Jan 14, 2026
Sales & Revenue·advanced·12 min read

Revenue Diversification: Reducing Dependence on One Income Stream

If one client, one service, or one market represents the majority of your revenue, you are one bad month away from a crisis. Learn how to diversify strategically.

By Josh Caruso·Jan 13, 2026·Includes tools
Sales & Revenue·intermediate·11 min read

Reducing Customer Churn: Why They Leave and How to Stop It

Understand the real reasons customers leave, build early warning systems to identify at-risk accounts, and implement retention strategies that work.

By Doug Ebenal·Jan 12, 2026·Includes tools
Sales & Revenue·advanced·12 min read

Contract Negotiation: Protecting Yourself While Closing the Deal

Learn how to negotiate contracts that protect your business, set clear expectations, and prevent the disputes that destroy profit margins.

By Josh Caruso·Jan 11, 2026
Sales & Revenue·advanced·11 min read

Sales Pipeline Management: Forecasting Revenue You Can Trust

Turn your sales pipeline from a wish list into a reliable revenue forecasting tool with stage-based management and data-driven analysis.

By Doug Ebenal·Jan 10, 2026·Includes tools
Sales & Revenue·beginner·12 min read

CRM Implementation: Choosing and Actually Using a System

Stop managing your pipeline in your head or on sticky notes. Learn how to pick the right CRM for your business size and actually get your team to use it.

By Josh Caruso·Jan 9, 2026
Sales & Revenue·intermediate·11 min read

Upselling and Cross-Selling Without Being Pushy

Increase your average transaction value by learning when and how to offer additional services in a way that genuinely serves your customers.

By Doug Ebenal·Jan 8, 2026·Includes tools
Sales & Revenue·intermediate·10 min read

Objection Handling: Responding to "That's Too Expensive"

Learn practical frameworks for handling the most common sales objections without caving on price or losing the deal.

By Josh Caruso·Jan 7, 2026
Sales & Revenue·beginner·10 min read

Follow-Up Systems: The Revenue You're Leaving on the Table

Most deals are lost because of poor follow-up, not poor pitches. Build a systematic approach to following up that turns maybes into signed contracts.

By Doug Ebenal·Jan 6, 2026·Includes tools
Sales & Revenue·beginner·10 min read

Writing Proposals and Estimates That Close

Stop losing deals to sloppy proposals. Learn how to write estimates and proposals that communicate value and make saying yes easy.

By Josh Caruso·Jan 5, 2026·Includes tools
Sales & Revenue·intermediate·9 min read

Designing a Sales Process That Doesn't Depend on You

Build a repeatable, documented sales process that your team can execute without you being in every meeting or on every call.

By Doug Ebenal·Jan 3, 2026·Includes tools
Pricing & Profitability·advanced·10 min read

Profitability Benchmarking: How Do You Compare to Your Industry?

Learn how to benchmark your profit margins, labor costs, and overhead against industry standards so you know exactly where you stand and where to improve.

By Josh Caruso·Jan 2, 2026·Includes tools
Pricing & Profitability·intermediate·9 min read

Subscription and Recurring Revenue Models for Small Business

Recurring revenue transforms unpredictable income into stable, forecastable cash flow. Learn how to build subscription and maintenance models in any trade.

By Doug Ebenal·Jan 1, 2026·Includes tools
Pricing & Profitability·intermediate·9 min read

Discount Strategy: When Discounts Build and When They Destroy

Discounts are a tool, not a reflex. Learn when discounting makes strategic sense and when it silently destroys your profitability.

By Josh Caruso·Dec 31, 2025·Includes tools
Pricing & Profitability·intermediate·9 min read

Job Costing: Knowing Your True Cost Per Job

Job costing tracks every dollar spent on every job so you know which work makes money and which work drains it. Here is how to set it up.

By Doug Ebenal·Dec 30, 2025·Includes tools
Pricing & Profitability·beginner·8 min read

Understanding Gross Margin: The Number That Determines Survival

Gross margin is the single most important number in your business. Learn how to calculate it, track it, and use it to make better decisions.

By Josh Caruso·Dec 29, 2025·Includes tools
Pricing & Profitability·beginner·8 min read

Raising Your Prices: When, How, and What to Say

A practical guide to implementing price increases without losing your best clients, including scripts, timing, and common mistakes to avoid.

By Doug Ebenal·Dec 28, 2025·Includes tools
Pricing & Profitability·beginner·9 min read

Pricing for Service Businesses: Hourly, Flat Rate, and Retainer Models

Compare the three core pricing models for service businesses and learn which one fits your trade, your clients, and your growth goals.

By Josh Caruso·Dec 27, 2025·Includes tools
Pricing & Profitability·intermediate·8 min read

Competitive Pricing Analysis: Research Without a Race to the Bottom

Learn how to research competitor pricing, position yourself strategically, and avoid the trap of always being the cheapest option.

By Doug Ebenal·Dec 26, 2025·Includes tools
Pricing & Profitability·intermediate·8 min read

Value-Based Pricing: Charging What the Work Is Worth

Stop anchoring prices to your costs. Learn to price based on the outcome and value your customer receives.

By Josh Caruso·Dec 25, 2025·Includes tools
Pricing & Profitability·beginner·7 min read

Cost-Plus Pricing: The Foundation Most Businesses Get Wrong

Learn how to calculate your true costs and apply the right markup so every job covers overhead and generates real profit.

By Doug Ebenal·Dec 24, 2025·Includes tools
Operations & Systems·intermediate·12 min read

KPI Dashboards: The Numbers You Should See Every Morning

How to build a KPI dashboard that gives you a real-time view of business health so you can spot problems early and make decisions with confidence.

By Josh Caruso·Dec 23, 2025
Operations & Systems·intermediate·11 min read

Building Customer Service Systems That Scale

How to create repeatable customer service processes that deliver a consistent experience as your business grows beyond what you can personally oversee.

By Doug Ebenal·Dec 22, 2025
Operations & Systems·beginner·10 min read

Workspace and Facility Planning: Home Office to Commercial Lease

A step-by-step guide for deciding when and how to move from a home office to commercial space, including lease negotiation, buildout, and cost analysis.

By Josh Caruso·Dec 21, 2025
Operations & Systems·advanced·11 min read

Supply Chain Resilience: Planning for Disruptions

How to build a supply chain that survives vendor failures, material shortages, price spikes, and global disruptions without sinking your business.

By Doug Ebenal·Dec 20, 2025
Operations & Systems·beginner·11 min read

Project Management for Small Business Owners

Core project management skills for small business owners who need to deliver work on time and on budget without a dedicated PM team.

By Josh Caruso·Dec 19, 2025
Operations & Systems·intermediate·10 min read

Scheduling and Dispatch Optimization for Service Businesses

How to schedule crews, dispatch work, and manage capacity so you maximize billable hours and minimize windshield time.

By Doug Ebenal·Dec 18, 2025
Operations & Systems·intermediate·10 min read

Quality Control: Consistency Without Micromanaging

How to build quality control systems that deliver consistent results without requiring you to inspect every piece of work personally.

By Josh Caruso·Dec 17, 2025
Operations & Systems·intermediate·11 min read

Fleet and Equipment Management: Buy, Lease, or Rent?

A decision framework for acquiring and maintaining vehicles and equipment, including when to buy, lease, or rent, and how to manage what you already have.

By Doug Ebenal·Dec 16, 2025
Operations & Systems·beginner·10 min read

Inventory Management for Small Business

Practical strategies for tracking, ordering, and optimizing inventory so you never run out of critical materials or tie up cash in dead stock.

By Josh Caruso·Dec 15, 2025
Operations & Systems·intermediate·11 min read

Vendor Management: Negotiating, Evaluating, and Protecting Yourself

How to select reliable vendors, negotiate better terms, build strategic relationships, and protect your business when a supplier lets you down.

By Doug Ebenal·Dec 14, 2025
Operations & Systems·intermediate·11 min read

Process Improvement: Finding and Fixing Bottlenecks

A practical guide to identifying inefficiencies in your business processes and implementing improvements that save time, money, and frustration.

By Josh Caruso·Dec 13, 2025
Operations & Systems·beginner·10 min read

Writing SOPs: Document Your Business Before It's Too Late

Learn how to create standard operating procedures that capture institutional knowledge, ensure consistency, and let your business run without you in the room.

By Doug Ebenal·Dec 12, 2025
Marketing·advanced·11 min read

Understanding CAC and Lifetime Value (LTV)

A practical guide to calculating customer acquisition cost and lifetime value, the two metrics that determine whether your business is building wealth or just staying busy.

By Josh Caruso·Dec 11, 2025·Includes tools
Marketing·intermediate·11 min read

Measuring Marketing ROI: What's Working and What Isn't

How to track, measure, and optimize your marketing spend so you know exactly which channels generate leads and revenue -- and which ones waste your money.

By Doug Ebenal·Dec 10, 2025·Includes tools
Marketing·beginner·10 min read

Branding on a Budget: Logo, Website, and Identity Essentials

How to build a professional brand identity for your small business without spending thousands -- covering logos, websites, vehicle wraps, and consistent visual identity.

By Josh Caruso·Dec 9, 2025
Marketing·beginner·10 min read

Customer Reviews and Online Reputation Management

How to systematically generate positive reviews, respond to negative ones, and manage your online reputation across Google, Yelp, and other platforms.

By Doug Ebenal·Dec 8, 2025·Includes tools
Marketing·beginner·10 min read

Social Media for Small Business: What Works and What's a Waste

An honest assessment of which social media platforms actually generate results for service businesses, how to use them efficiently, and what to avoid.

By Josh Caruso·Dec 7, 2025
Marketing·beginner·9 min read

Building a Referral System That Runs Without You

How to create a structured referral program that turns satisfied customers into a consistent, low-cost lead generation engine for your small business.

By Doug Ebenal·Dec 6, 2025·Includes tools
Marketing·intermediate·10 min read

Email Marketing: Building a List That Actually Converts

How to build an email list, write emails people actually open, and use email marketing to turn past customers into repeat buyers and referral sources.

By Josh Caruso·Dec 5, 2025
Marketing·beginner·10 min read

Content Marketing: Building Authority Without a Big Budget

How small business owners can use content -- blog posts, videos, project showcases -- to build trust, improve SEO, and generate leads without spending thousands.

By Doug Ebenal·Dec 4, 2025·Includes tools
Marketing·intermediate·12 min read

Paid Advertising: Google Ads, Facebook Ads, and Where to Start

A practical breakdown of paid advertising platforms for small businesses, including budget guidance, platform selection, and how to avoid wasting money on ads that do not convert.

By Josh Caruso·Dec 3, 2025·Includes tools
Marketing·intermediate·11 min read

Local SEO: How to Rank in Your Service Area

A practical guide to local search engine optimization for contractors and service businesses who want to appear at the top of Google when local customers are searching.

By Doug Ebenal·Dec 2, 2025·Includes tools
Marketing·beginner·9 min read

Google Business Profile: The Free Tool That Drives Local Leads

How to claim, optimize, and leverage your Google Business Profile to appear in local search results and generate leads without spending a dime on ads.

By Josh Caruso·Dec 1, 2025·Includes tools
Marketing·beginner·10 min read

Marketing Fundamentals for Small Business Owners

A no-nonsense guide to understanding marketing strategy, channels, and budgeting for contractors and small business owners who need results without wasting money.

By Doug Ebenal·Nov 30, 2025·Includes tools
Legal & Compliance·advanced·11 min read

Environmental Regulations Affecting Small Business

Learn which federal and state environmental regulations apply to your small business, how to comply with waste disposal and emissions rules, and how to avoid costly penalties.

By Doug Ebenal·Nov 29, 2025
Legal & Compliance·intermediate·11 min read

ADA and Accessibility Compliance for Small Business

Understand your obligations under the Americans with Disabilities Act, including physical accessibility requirements and digital accessibility standards for your website.

By Josh Caruso·Nov 28, 2025
Legal & Compliance·intermediate·10 min read

Dispute Resolution: Mediation, Arbitration, and When to Sue

Understand your options for resolving business disputes, from informal negotiation to formal litigation, and learn which approach fits different situations.

By Doug Ebenal·Nov 27, 2025
Legal & Compliance·intermediate·11 min read

Commercial Lease Review: What to Negotiate Before Signing

Know what to look for and negotiate in a commercial lease before you commit. This guide covers key lease terms, hidden costs, and negotiation strategies for small business tenants.

By Josh Caruso·Nov 26, 2025
Legal & Compliance·intermediate·11 min read

Independent Contractor vs. Employee: Classification Rules and Risks

Understand the legal tests for classifying workers as employees or independent contractors, the consequences of misclassification, and how to structure compliant working relationships.

By Doug Ebenal·Nov 25, 2025
Legal & Compliance·advanced·13 min read

Data Privacy: GDPR, CCPA, and Small Business Obligations

Learn what GDPR, CCPA, and other data privacy laws require of small businesses, and how to implement practical data protection measures without breaking the bank.

By Josh Caruso·Nov 24, 2025
Legal & Compliance·intermediate·12 min read

Regulatory Compliance: Federal, State, and Industry-Specific

Navigate the complex web of federal, state, and industry-specific regulations that small businesses must comply with to avoid penalties and operate legally.

By Doug Ebenal·Nov 22, 2025
Legal & Compliance·intermediate·11 min read

Terms of Service and Privacy Policies: What You Need Online

Understand why your business website needs terms of service and a privacy policy, what each document should contain, and how to stay compliant with current regulations.

By Josh Caruso·Nov 21, 2025
Legal & Compliance·intermediate·12 min read

Intellectual Property: Trademarks, Copyrights, and Patents

Understand the three main types of intellectual property protection available to small businesses and how to use them to safeguard your brand, content, and inventions.

By Doug Ebenal·Nov 20, 2025
Legal & Compliance·beginner·11 min read

Contract Essentials: What Every Business Agreement Needs

Learn the key elements every business contract must include, common pitfalls to avoid, and when you need a lawyer to review your agreements.

By Josh Caruso·Nov 19, 2025
Legal & Compliance·beginner·10 min read

Business Licenses and Permits: What You Need Before You Operate

A practical guide to identifying and obtaining the federal, state, and local licenses and permits your small business needs to operate legally.

By Doug Ebenal·Nov 18, 2025
Leadership & Management·intermediate·10 min read

Mentorship and Advisory Boards: Getting Guidance Without Giving Up Control

Learn how to find the right mentors, structure an advisory board, and get expert guidance that accelerates your growth without surrendering decision-making authority.

By Josh Caruso·Nov 17, 2025
Leadership & Management·beginner·10 min read

Burnout Prevention: Sustaining Yourself as a Business Owner

Burnout is not a badge of honor. Learn to recognize the warning signs, build sustainable work habits, and protect the energy that your business depends on.

By Doug Ebenal·Nov 16, 2025
Leadership & Management·intermediate·10 min read

Conflict Resolution in Small Teams

Conflict in a small team can poison the entire business. Learn how to address it directly, resolve it fairly, and prevent it from recurring.

By Josh Caruso·Nov 15, 2025
Leadership & Management·intermediate·10 min read

Communication and Transparency: What to Share and When

Learn how to build trust through open communication without oversharing or creating unnecessary anxiety among your team, clients, and partners.

By Doug Ebenal·Nov 14, 2025
Leadership & Management·advanced·11 min read

Building a Leadership Team: Your First Key Hires

You cannot scale alone. Learn how to identify, hire, and develop the leadership team that will take your business from founder-dependent to founder-led.

By Josh Caruso·Nov 13, 2025
Leadership & Management·advanced·12 min read

Managing Through Crisis: Playbook for When Everything Goes Wrong

A step-by-step guide for leading your business through emergencies, downturns, and unexpected disasters -- without making things worse.

By Doug Ebenal·Nov 12, 2025
Leadership & Management·beginner·9 min read

Time Management: Protecting Your Highest-Value Hours

Your time is your scarcest resource. Learn how to audit where it goes, eliminate low-value work, and build a schedule that reflects your real priorities.

By Josh Caruso·Nov 11, 2025
Leadership & Management·intermediate·11 min read

Decision-Making Frameworks for Business Owners

Stop agonizing over decisions. Learn proven frameworks that help you make faster, better choices -- even when the information is incomplete.

By Doug Ebenal·Nov 10, 2025
Leadership & Management·beginner·9 min read

Delegation: What to Let Go Of and How

A practical system for identifying which tasks to delegate, how to hand them off effectively, and how to build trust without losing quality.

By Josh Caruso·Nov 9, 2025
Leadership & Management·intermediate·10 min read

Owner vs. Operator: Getting Out of the Day-to-Day

Learn the critical difference between owning a business and operating one, and build a concrete plan to extract yourself from daily operations so you can focus on growth.

By Doug Ebenal·Nov 8, 2025
Insurance & Risk·advanced·11 min read

Bonding and Surety: Requirements for Contractors and Service Businesses

Understand the difference between insurance and surety bonds, the types of bonds contractors and service businesses need, how to qualify, and what happens when a bond claim is filed.

By Doug Ebenal·Nov 7, 2025
Insurance & Risk·advanced·11 min read

Risk Assessment Framework for Small Business

A practical framework for identifying, analyzing, and prioritizing business risks. Learn how to build a risk register, score threats by likelihood and impact, and create mitigation strategies that fit a small business budget.

By Josh Caruso·Nov 6, 2025
Insurance & Risk·intermediate·11 min read

Business Continuity Planning: Surviving Disasters and Disruptions

A step-by-step guide to creating a business continuity plan that keeps your company operating through natural disasters, cyberattacks, pandemics, supply chain failures, and other major disruptions.

By Doug Ebenal·Nov 5, 2025
Insurance & Risk·intermediate·10 min read

Key Person Insurance: Protecting Against the Loss of Critical People

Learn how key person insurance works, who should be covered, how to determine coverage amounts, and why small businesses are especially vulnerable to losing their most important contributors.

By Josh Caruso·Nov 4, 2025
Insurance & Risk·intermediate·10 min read

Cyber Liability Insurance: Protecting Against Data Breaches

Understand what cyber liability insurance covers, why small businesses are prime targets for cyberattacks, and how to choose the right policy to protect against data breaches and digital threats.

By Doug Ebenal·Nov 3, 2025
Insurance & Risk·beginner·9 min read

Business Owner's Policy (BOP): Bundled Coverage Explained

Understand what a Business Owner's Policy bundles together, who it is designed for, and how it compares to purchasing individual policies. Learn whether a BOP is the right fit for your business.

By Josh Caruso·Nov 2, 2025
Insurance & Risk·intermediate·9 min read

Commercial Property Insurance: Protecting Physical Assets

A practical guide to commercial property insurance for small business owners, covering what qualifies as insurable property, policy types, valuation methods, and how to avoid gaps in coverage.

By Doug Ebenal·Nov 1, 2025
Insurance & Risk·beginner·9 min read

Professional Liability (E&O) Insurance: Who Needs It

Learn what professional liability insurance covers, which industries require it, and how errors and omissions policies protect service-based businesses from client claims.

By Josh Caruso·Oct 31, 2025
Insurance & Risk·beginner·8 min read

General Liability Insurance: What It Covers and What It Doesn't

Understand what general liability insurance actually protects your business from, where the coverage gaps are, and how to avoid common mistakes when purchasing a policy.

By Doug Ebenal·Oct 30, 2025
HR & People·advanced·13 min read

HR Compliance Checklist: Federal and State Requirements

A comprehensive checklist of federal and state HR compliance requirements for small businesses -- covering hiring, payroll, workplace safety, anti-discrimination, and record-keeping.

By Josh Caruso·Oct 29, 2025
HR & People·intermediate·12 min read

Workers' Comp and Unemployment Insurance: What You Must Carry

A plain-English guide to workers' compensation and unemployment insurance requirements for small business owners -- what you must carry, what it costs, and how to manage claims.

By Doug Ebenal·Oct 28, 2025
HR & People·intermediate·11 min read

Employee Retention: Why People Leave and How to Keep Your Best

Practical retention strategies for small businesses -- addressing the real reasons employees quit and what you can do about each one without a Fortune 500 budget.

By Josh Caruso·Oct 27, 2025
HR & People·beginner·10 min read

Building Workplace Culture When You Have Under 50 People

How to intentionally build a strong workplace culture in a small business -- without the corporate culture playbook that doesn't apply to you.

By Doug Ebenal·Oct 26, 2025
HR & People·advanced·12 min read

Firing and Termination: Doing It Right, Legally and Humanely

How to terminate an employee the right way -- covering legal requirements, documentation, the termination conversation, and protecting your business from wrongful termination claims.

By Josh Caruso·Oct 25, 2025
HR & People·intermediate·11 min read

Performance Management: Reviews, Feedback, and Accountability

How to run a practical performance management system for a small business -- from setting expectations to giving honest feedback to handling underperformers.

By Doug Ebenal·Oct 24, 2025
HR & People·intermediate·11 min read

Creating an Employee Handbook That Protects You and Your Team

How to write an employee handbook that sets clear expectations, communicates policies, and provides legal protection -- without sounding like a corporate robot.

By Josh Caruso·Oct 23, 2025
HR & People·intermediate·10 min read

Compensation and Benefits: What Small Businesses Can Offer

How to build a competitive compensation package when you can't match corporate salaries -- including pay structures, affordable benefits, and creative perks that actually matter.

By Doug Ebenal·Oct 22, 2025
HR & People·intermediate·10 min read

Onboarding New Hires: The First 90 Days That Determine Retention

A structured onboarding plan for small businesses that turns new hires into productive, committed team members -- covering paperwork, training, milestones, and check-ins.

By Josh Caruso·Oct 21, 2025
HR & People·intermediate·9 min read

Interviewing and Selection: Spotting the Right Fit

A practical framework for interviewing candidates and making hiring decisions -- including legal dos and don'ts, structured interview techniques, and red flags to watch for.

By Doug Ebenal·Oct 20, 2025
HR & People·beginner·8 min read

Writing Job Descriptions That Attract the Right People

How to write job postings that bring in qualified candidates instead of wasting your time -- including what to include, what to leave out, and where to post.

By Josh Caruso·Oct 19, 2025
HR & People·beginner·9 min read

Hiring Your First Employee: Legal Requirements and Practical Steps

Everything you need to do before, during, and after hiring your first employee -- from getting an EIN to setting up payroll and staying compliant with federal and state law.

By Doug Ebenal·Oct 18, 2025
Growth & Scaling·intermediate·10 min read

Adding E-Commerce to a Service Business

How service-based businesses can add e-commerce revenue streams by selling products, digital goods, or productized services online without losing focus on their core offering.

By Doug Ebenal·Oct 17, 2025
Growth & Scaling·intermediate·9 min read

Adding Service Lines: Expanding What You Offer

How to identify, validate, and launch new service lines that complement your existing business, increase customer lifetime value, and diversify your revenue streams.

By Josh Caruso·Oct 16, 2025·Includes tools
Growth & Scaling·advanced·10 min read

Geographic Expansion: Entering New Markets

How to expand your business into new geographic markets, from market research and regulatory compliance to go-to-market strategies and remote management.

By Doug Ebenal·Oct 15, 2025
Growth & Scaling·intermediate·10 min read

Scaling Operations: Systems That Don't Break at 2x Volume

How to build operational systems, processes, and infrastructure that can handle double your current volume without doubling your costs or breaking under pressure.

By Josh Caruso·Oct 14, 2025
Growth & Scaling·advanced·12 min read

Acquiring Competitors: Due Diligence and Integration

A practical guide to acquiring competing businesses, including how to identify targets, conduct due diligence, negotiate the deal, finance the acquisition, and integrate the businesses.

By Doug Ebenal·Oct 13, 2025·Includes tools
Growth & Scaling·intermediate·9 min read

Strategic Partnerships: Growing Through Alliances

How to identify, structure, and manage strategic partnerships that create mutual value, expand your reach, and accelerate growth without the cost of doing it alone.

By Josh Caruso·Oct 11, 2025
Growth & Scaling·intermediate·9 min read

Licensing and White-Labeling: Growing Without More Headcount

How to grow your business through licensing your intellectual property or white-labeling your products and services, without the overhead of hiring more employees.

By Doug Ebenal·Oct 10, 2025
Growth & Scaling·advanced·12 min read

Franchising Your Business: Requirements, Costs, and FTC Compliance

Everything you need to know about franchising your business, including FTC Franchise Rule requirements, the Franchise Disclosure Document, costs, and whether franchising is right for your model.

By Josh Caruso·Oct 9, 2025
Growth & Scaling·advanced·11 min read

Opening a Second Location: Playbook and Pitfalls

A step-by-step guide to opening a second business location, from financial readiness to site selection, staffing, and avoiding the most common expansion mistakes.

By Doug Ebenal·Oct 8, 2025·Includes tools
Growth & Scaling·advanced·10 min read

Hiring Ahead of Revenue: The Growth Gamble

Understand when hiring ahead of revenue is a calculated bet worth making and when it's a path to cash flow disaster. Includes frameworks for making the decision.

By Josh Caruso·Oct 7, 2025·Includes tools
Growth & Scaling·intermediate·9 min read

When to Scale: Signals Your Business Is Ready to Grow

Learn how to identify the financial, operational, and market signals that indicate your business is ready to scale — and the warning signs that mean you should wait.

By Doug Ebenal·Oct 6, 2025·Includes tools
Funding & Capital·intermediate·10 min read

Managing Business Debt: When to Borrow, When to Pay Down

A practical framework for deciding when to take on business debt, how to manage it effectively, and when to prioritize paying it off.

By Doug Ebenal·Oct 5, 2025·Includes tools
Funding & Capital·advanced·12 min read

Understanding Term Sheets: What You Are Signing Away

A founder-friendly breakdown of term sheet provisions, what they mean in plain language, and which terms matter most.

By Josh Caruso·Oct 4, 2025
Funding & Capital·advanced·12 min read

Preparing Financial Projections Investors Actually Believe

Learn how to build realistic, defensible financial projections that withstand investor scrutiny and guide your business decisions.

By Doug Ebenal·Oct 3, 2025·Includes tools
Funding & Capital·beginner·9 min read

Small Business Grants: Where to Find Free Money

A practical guide to finding and applying for small business grants from federal, state, and private sources.

By Josh Caruso·Oct 2, 2025
Funding & Capital·beginner·10 min read

Crowdfunding: Rewards, Equity, and Debt-Based Models

Understand the three types of crowdfunding, which platforms to use, and how to run a successful campaign.

By Doug Ebenal·Oct 1, 2025
Funding & Capital·advanced·11 min read

Venture Capital: Is It Right for Your Business?

Understand how venture capital works, what VCs expect, and how to determine if VC funding aligns with your business goals.

By Josh Caruso·Sep 30, 2025
Funding & Capital·intermediate·10 min read

Angel Investors: How to Find Them and What They Expect

Learn who angel investors are, how to connect with them, what they look for in a deal, and how to structure an angel investment.

By Doug Ebenal·Sep 29, 2025
Funding & Capital·intermediate·10 min read

Alternative Lending: Revenue-Based Financing, MCAs, and Online Lenders

Explore non-traditional funding options including revenue-based financing, merchant cash advances, and online lending platforms.

By Josh Caruso·Sep 28, 2025·Includes tools
Funding & Capital·intermediate·10 min read

Bank Loans and Lines of Credit for Small Business

Understand the differences between term loans and lines of credit, how banks evaluate your application, and how to improve your chances of approval.

By Doug Ebenal·Sep 27, 2025·Includes tools
Funding & Capital·intermediate·11 min read

SBA Loans: Types, Requirements, and How to Apply

A complete guide to SBA loan programs, eligibility requirements, and the application process for small business owners.

By Josh Caruso·Sep 26, 2025·Includes tools
Funding & Capital·beginner·9 min read

Bootstrapping: Building a Business Without Outside Money

Learn how to launch and grow your business using personal savings, revenue, and sweat equity instead of outside funding.

By Doug Ebenal·Sep 25, 2025·Includes tools
Finance & Accounting·advanced·10 min read

Inventory Accounting: FIFO, LIFO, and What to Use

Understand inventory accounting methods, their tax implications, and how to choose the right approach for your product-based business.

By Doug Ebenal·Sep 24, 2025·Includes tools
Finance & Accounting·advanced·11 min read

Internal Controls: Protecting Your Business from Fraud and Errors

Implement basic internal controls to prevent employee theft, accounting errors, and financial mismanagement in your small business.

By Josh Caruso·Sep 23, 2025
Finance & Accounting·beginner·10 min read

Working with an Accountant: What to Expect and What to Demand

Get the most from your accountant relationship by knowing what to look for, what to ask, and what level of service your business actually needs.

By Doug Ebenal·Sep 22, 2025
Finance & Accounting·intermediate·11 min read

Financial Ratios Every Owner Should Monitor

Learn the key financial ratios that reveal your business health, profitability, and risk — and how to use them for better decisions.

By Josh Caruso·Sep 21, 2025·Includes tools
Finance & Accounting·intermediate·10 min read

Building a Budget That Actually Gets Used

Create a practical small business budget that guides your spending, reveals problems early, and does not collect dust in a drawer.

By Doug Ebenal·Sep 20, 2025·Includes tools
Finance & Accounting·beginner·9 min read

Break-Even Analysis: Knowing Your Minimum to Survive

Calculate your break-even point so you know exactly how much revenue you need to cover costs before making a single dollar of profit.

By Josh Caruso·Sep 19, 2025·Includes tools
Finance & Accounting·intermediate·12 min read

Cash Flow Management: The Number That Kills More Businesses Than Profit

Master cash flow management to ensure your business survives and thrives, even when profit looks good on paper.

By Doug Ebenal·Sep 18, 2025·Includes tools
Finance & Accounting·intermediate·9 min read

Accounts Payable: Managing What You Owe Without Killing Cash Flow

Learn how to manage your business obligations strategically, maintain vendor relationships, and keep cash flow healthy without missing payments.

By Josh Caruso·Sep 17, 2025·Includes tools
Finance & Accounting·intermediate·11 min read

Accounts Receivable Management: Getting Paid Faster

Practical strategies to reduce days sales outstanding, improve collections, and stop letting unpaid invoices drain your cash flow.

By Doug Ebenal·Sep 16, 2025·Includes tools
Finance & Accounting·intermediate·10 min read

Setting Up Your Chart of Accounts the Right Way

Build a chart of accounts that organizes your finances for clear reporting, easy tax prep, and better decision-making from day one.

By Josh Caruso·Sep 15, 2025
Finance & Accounting·beginner·9 min read

Cash vs. Accrual Accounting: Which One and Why It Matters

Understand the difference between cash and accrual accounting methods, when to use each, and the real-world impact on your business decisions.

By Doug Ebenal·Sep 14, 2025·Includes tools
Finance & Accounting·beginner·12 min read

Reading Your Financial Statements: P&L, Balance Sheet, and Cash Flow

Understand the three core financial statements every business owner must read, interpret, and use to make better decisions.

By Josh Caruso·Sep 13, 2025·Includes tools
Finance & Accounting·beginner·10 min read

Bookkeeping Fundamentals: What Every Owner Must Track

Learn the essential bookkeeping practices every small business owner needs to maintain accurate financial records and make informed decisions.

By Doug Ebenal·Sep 12, 2025·Includes tools
Business Formation·advanced·12 min read

Starting a Nonprofit: 501(c)(3) Formation and Compliance

A step-by-step guide to forming a 501(c)(3) nonprofit organization — from incorporation to IRS approval to ongoing compliance requirements.

By Doug Ebenal·Sep 11, 2025
Business Formation·advanced·10 min read

Operating in Multiple States: Foreign Entity Registration

What you need to know about foreign entity registration when your business operates across state lines — when it is required, how to do it, and what happens if you skip it.

By Josh Caruso·Sep 10, 2025
Business Formation·advanced·11 min read

Converting Your Business Entity: LLC to S-Corp and Beyond

How to convert between business entity types — from simple tax elections to full structural conversions — without creating a mess.

By Doug Ebenal·Sep 9, 2025
Business Formation·beginner·9 min read

Getting Your EIN and State Registrations

A practical walkthrough of getting your EIN from the IRS and handling state-level business registrations, tax accounts, and license requirements.

By Josh Caruso·Sep 8, 2025
Business Formation·beginner·8 min read

DBAs and Trade Names: When You Need Them and How to File

Everything you need to know about "doing business as" names — when they are required, how to register one, and what they do and do not protect.

By Doug Ebenal·Sep 7, 2025
Business Formation·beginner·11 min read

Choosing Your Business Entity: A Decision Framework

A no-nonsense decision framework for choosing the right business structure — sole proprietorship, LLC, S-Corp, C-Corp, or partnership.

By Josh Caruso·Sep 6, 2025
Business Formation·intermediate·10 min read

General vs. Limited Partnerships: Choosing the Right Structure

Understand the differences between general partnerships and limited partnerships, and figure out which one fits your business situation.

By Doug Ebenal·Sep 5, 2025
Business Formation·intermediate·10 min read

C-Corp Formation: Who It's For and How to Set It Up

A clear-eyed guide to C-Corporation formation — when double taxation makes sense, how to form one, and why most small businesses do not need one.

By Josh Caruso·Sep 4, 2025
Business Formation·intermediate·12 min read

S-Corp Election: When It Saves You Money (and When It Doesn't)

Understand the S-Corp tax election — how it works, who benefits, when to elect, and the common traps that catch business owners off guard.

By Doug Ebenal·Sep 3, 2025
Business Formation·beginner·11 min read

Forming an LLC: Step-by-Step for Every State

A practical, step-by-step guide to forming an LLC — from choosing a name to getting your operating agreement in place.

By Josh Caruso·Sep 2, 2025
Business Formation·beginner·9 min read

Sole Proprietorship: What It Is, How to Start, and When to Move On

Everything you need to know about running a sole proprietorship — the simplest business structure, its benefits, its risks, and when it's time to upgrade.

By Doug Ebenal·Sep 1, 2025

Get New Guides in Your Inbox

Subscribe to get notified when we publish new guides and resources.

Subscribe to Newsletter