Small Business Finance For The Busy Entrepreneur

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Small Business Finance for the Busy Entrepreneur

Author : Sylvia Inks
Publisher : SMI Financial Coaching, LLC
ISBN 13 : 9780998051802
Total Pages : pages
Book Rating : 4.0/5 (518 download)

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Book Synopsis Small Business Finance for the Busy Entrepreneur by : Sylvia Inks

Download or read book Small Business Finance for the Busy Entrepreneur written by Sylvia Inks and published by SMI Financial Coaching, LLC. This book was released on 2016-09-16 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: "I could have paid 10x the cost of this book and still considered it a bargain to get these lessons upfront." - Chad Carson, 14-year real estate entrepreneur and blogger at coachcarson.com "As a busy entrepreneur myself, the last thing I want to do is stop down to research the hard-to-find answers to those difficult business finance questions. Sylvia's done us all a great service by compiling the knowledge and putting this blueprint together." - Philip Taylor, founder of FinCon "I found the case studies provided an additional way to understand the basic concepts, inspiring me to make thoughtful decisions....and that it's never too late!" - Leslie Flowers, Managing Member, Leslie Flowers Enterprises, LLC Do you want to keep more of the money you earn, save time, and reduce stress in running your own business? If you are an entrepreneur, and you are not making the profits that you want and need in the business, don't fully understand the numbers in running your business, and are wishing you could get a better handle on the finances in order to spend more time with your family and loved ones, this book is for you. I'll help you understand the key components that have the biggest impact to creating and maintaining a profitable business. Inside, you'll discover: The #1 biggest mistake that over 50% small business owners make that increases the amount of time and money needed to prepare taxes. How to keep your hard-earned money...and stay in business! Be part of the select group of entrepreneurs that makes it past your fifth year in business. Case studies from real entrepreneurs that show exactly why these lessons are important and what can happen if you don't know what to do, and when. And so much more... How this book is different than any other finance book: While many finance books and resources are complex and more about general theory, this book is a practical guide that gives you STEP-BY-STEP instructions and details of what to do, and when. This book includes 21 best practices with all the information in one place. You can jump straight to the chapter that solves your top burning pains and struggles. It includes a number of important business topics that you won't find covered in other introductory books. So what are you waiting for? Once you've secured yourself a copy of "Small Business Finance for the Busy Entrepreneur," you'll find an exclusive invitation to receive bonus materials that will save you even more time and money. Save time. Save money. Become Profitable. ===> Scroll up and click the add to cart button to secure your copy NOW.

Small Business For Dummies

Author : Eric Tyson
Publisher : John Wiley & Sons
ISBN 13 : 1119490448
Total Pages : 464 pages
Book Rating : 4.1/5 (194 download)

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Book Synopsis Small Business For Dummies by : Eric Tyson

Download or read book Small Business For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2018-07-06 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make big sense of small business Small Business For Dummies has been a leading resource for starting and running a small business. Calling upon their six decades-plus of combined experience running small businesses, Eric Tyson and Jim Schell once again provide readers with their time-tested advice and the latest information on starting and growing a small business. This new edition covers all aspects of small business from the initial business plan to the everyday realities of financing, marketing, employing technology and management—and what it takes to achieve and maintain success in an ever-changing entrepreneurial landscape. Write a strategic business plan Start, establish, or rejuvenate a small business Hire and retain the best employees Get a small business loan If you’re a beginning entrepreneur looking to start and run your own small business, this book gives you all the tools of the trade you’ll need to make it a success.

Small Business Finance All-in-One For Dummies

Author : Faith Glasgow
Publisher : John Wiley & Sons
ISBN 13 : 0470997869
Total Pages : 692 pages
Book Rating : 4.4/5 (79 download)

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Book Synopsis Small Business Finance All-in-One For Dummies by : Faith Glasgow

Download or read book Small Business Finance All-in-One For Dummies written by Faith Glasgow and published by John Wiley & Sons. This book was released on 2012-02-27 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: Keeping track of the finances is fundamental to the success of every business, but tackling the task yourself can be intimidating. Help is at hand, however, with this complete guide to small business money management. Packed with expert advice on all aspects of business finance, including basic bookkeeping and accounting, monitoring profit and performance, managing payroll, tackling tax, and forecasting for growth, Small Business Finance All-in-One For Dummies helps you to take control of your finances, stay on top of the paperwork, and keep the cash flowing.

Wiley Pathways Small Business Management

Author : Richard M. Hodgetts
Publisher : John Wiley & Sons
ISBN 13 : 0470111267
Total Pages : 629 pages
Book Rating : 4.4/5 (71 download)

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Book Synopsis Wiley Pathways Small Business Management by : Richard M. Hodgetts

Download or read book Wiley Pathways Small Business Management written by Richard M. Hodgetts and published by John Wiley & Sons. This book was released on 2007-03-16 with total page 629 pages. Available in PDF, EPUB and Kindle. Book excerpt: In order to become a successful entrepreneur, one has to have a clear understanding of how to effectively manage a small business. This valuable introduction shows budding entrepreneurs how to launch and run their own firm. In addition to explaining the value and appeal of small businesses, it offers a variety of essential start-up lessons, including how to write a business plan, obtain financing, and choose a legal form for any venture.

Small Business Revolution

Author : Barry C. McCarthy
Publisher : John Wiley & Sons
ISBN 13 : 1119802644
Total Pages : 259 pages
Book Rating : 4.1/5 (198 download)

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Book Synopsis Small Business Revolution by : Barry C. McCarthy

Download or read book Small Business Revolution written by Barry C. McCarthy and published by John Wiley & Sons. This book was released on 2021-10-19 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: Equip your small business for dramatic growth and success in any environment In Small Business Revolution: How Owners and Entrepreneurs Can Succeed, small business expert and President and CEO of Deluxe Corp. Barry C. McCarthy delivers a stirring combination of uplifting narrative and small business instruction manual. Featuring inspiring stories from the company’s 106-year history and anecdotes from its Emmy-nominated TV show Small Business Revolution, this book offers readers the opportunity to learn how to grow and thrive in their business in any environment, from a booming economy to a post-pandemic marketplace. Whether you're just starting to plan your new business or you are a seasoned veteran in the small business trenches, you'll discover a wealth of information to help you structure your business to reach customers, find talent, understand finances, and so much more. You'll find guidance on: How to get your costs in line when your expenses have changed Mastering new tools to manage payments and payroll, including contactless and remote payments Maintaining relationships with your existing customers while reaching out to new ones How to manage cash and, how to retain employees through lean times, and more Perfect for the millions of brave, courageous, and strong individuals who plan to start or run a small business during one of the most challenging times in recent memory, Small Business Revolution is an indispensable guide to helping your enterprise survive and succeed during unprecedented challenges.

Entrepreneurial Finance

Author : M. J. Alhabeeb
Publisher : John Wiley & Sons
ISBN 13 : 1118691644
Total Pages : 480 pages
Book Rating : 4.1/5 (186 download)

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Book Synopsis Entrepreneurial Finance by : M. J. Alhabeeb

Download or read book Entrepreneurial Finance written by M. J. Alhabeeb and published by John Wiley & Sons. This book was released on 2014-12-16 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: Featuring key topics within finance, small businessmanagement, and entrepreneurship to develop and maintain prosperousbusiness ventures With a comprehensive and organized approach to fundamentalfinancial theories, tools, and management techniques,Entrepreneurial Finance: Fundamentals of Financial Planning andManagement for Small Business equips readers with the necessaryfundamental knowledge and advanced skills to succeed in small firmand business settings. With a unique combination of topics fromfinance, small business management, and entrepreneurship, the bookprepares readers for the challenges of today’s economy. Entrepreneurial Finance: Fundamentals of Financial Planning andManagement for Small Business begins with key concepts of smallbusiness management and entrepreneurship, including managementtools and techniques needed to establish, run, and lead businessventures. The book then delves into how small businesses areoperated, managed, and controlled. General finance skills andmethods are integrated throughout, and the book alsofeatures: Numerous practical examples and scenarios that provide areal-world perspective on entrepreneurship and small businessmanagement A brief summary, list of key concepts, and ten discussionquestions at the end of each chapter to prepare readers for thechallenges of today's economy A practical guide to the complete life of a small business,from establishing a new venture to training and developing youngentrepreneurs tasked with maintaining and developing a prosperouseconomy An in-depth discussion of the entire process of writing asuccessful business plan, including the rationale, significance,and requirements Techniques needed to solidify the free enterprise tradition,develop entrepreneurial strategies, and grow small businesses Entrepreneurial Finance: Fundamentals of Financial Planning andManagement for Small Business is an ideal textbook forupper-undergraduate and first-year graduate courses inentrepreneurial finance within business, economics, managementscience, and public administration departments. The book isalso useful for MBA-level courses as well as for business andmanagement PhD majors as a resource in methodology. The book isalso an idea reference for entrepreneurs, business managers, marketanalysts, and decision makers who require information about thetheoretical and quantitative aspects of entrepreneurial finance.

Small Business For Dummies®

Author : Eric Tyson
Publisher : John Wiley & Sons
ISBN 13 : 1118051882
Total Pages : 596 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Small Business For Dummies® by : Eric Tyson

Download or read book Small Business For Dummies® written by Eric Tyson and published by John Wiley & Sons. This book was released on 2011-03-03 with total page 596 pages. Available in PDF, EPUB and Kindle. Book excerpt: Want to start the small business of your dreams? Want to breathe new life into the one you already have? Small Business For Dummies, 3rd Edition provides authoritative guidance on every aspect of starting and growing your business, from financing and budgeting to marketing, management and beyond. This completely practical, no-nonsense guide gives you expert advice on everything from generating ideas and locating start-up money to hiring the right people, balancing the books, and planning for growth. You’ll get plenty of help in ramping up your management skills, developing a marketing strategy, keeping your customers loyal, and much more. You’ll also find out to use the latest technology to improve your business’s performance at every level. Discover how to: Make sure that small-business ownership is for you Find your niche and time your start-up Turn your ideas into plans Determine your start-up costs Obtain financing with the best possible terms Decide whether or not to incorporate Make sense of financial statements Navigate legal and tax issues Buy an existing business Set up a home-based business Publicize your business and market your wares Keep your customers coming back for more Track cash flow, costs and profits Keep your business in business and growing You have the energy, drive, passion, and smarts to make your small business a huge success. Small Business For Dummies, 3rd Edition, provides the rest.

The Small Business Bible

Author : Steven D. Strauss
Publisher : John Wiley & Sons
ISBN 13 : 0471716316
Total Pages : 450 pages
Book Rating : 4.4/5 (717 download)

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Book Synopsis The Small Business Bible by : Steven D. Strauss

Download or read book The Small Business Bible written by Steven D. Strauss and published by John Wiley & Sons. This book was released on 2004-12-13 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether you?re a novice entrepreneur or a seasoned pro, The Small Business Bible is a comprehensive, easy-to-read, A-to-Z library of everything you might need to know. Not only does it teach new entrepreneurs what works and what doesn?t—giving them scores of tips, hints, insider information, and secrets of success—it?s also a reliable, valuable, and insightful resource for established business owners who want to help their businesses continue to grow and succeed. The book covers all aspects of small business operations and strategies, and includes straightforward information on almost every topic. Plus, you?ll find secrets of great entrepreneurs, a wealth of online resources, real-life success stories, and cutting-edge strategies that work.

Small Business Cash Flow

Author : Denise O'Berry
Publisher : John Wiley & Sons
ISBN 13 : 1118044657
Total Pages : 228 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Small Business Cash Flow by : Denise O'Berry

Download or read book Small Business Cash Flow written by Denise O'Berry and published by John Wiley & Sons. This book was released on 2010-12-28 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many small business owners don’t understand the importance of maintaining a healthy cash flow. More than anything else, cash flow determines the success or failure of a small business. Small Business Cash Flow covers all the basics of cash flow, from selecting a great accountant, to keeping money flowing in and out of the business, to budgeting and record-keeping.

The Entrepreneur's Guide to Finance and Business

Author : Steven Rogers
Publisher : McGraw Hill Professional
ISBN 13 : 9780071380812
Total Pages : 360 pages
Book Rating : 4.3/5 (88 download)

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Book Synopsis The Entrepreneur's Guide to Finance and Business by : Steven Rogers

Download or read book The Entrepreneur's Guide to Finance and Business written by Steven Rogers and published by McGraw Hill Professional. This book was released on 2003 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offers techniques for working within the rules of starting a business - and making those rules work for you. This book provides coverage of details including: Business Plans; Financial Statements; and, Money. It discusses differences between debt and equity financing and how and why to use each.

Financial Planning for the Entrepreneur

Author : Donald E. Vaughn
Publisher :
ISBN 13 : 9780133629064
Total Pages : 0 pages
Book Rating : 4.6/5 (29 download)

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Book Synopsis Financial Planning for the Entrepreneur by : Donald E. Vaughn

Download or read book Financial Planning for the Entrepreneur written by Donald E. Vaughn and published by . This book was released on 1997 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a practical, problem-solving approach to the finances of entrepreneurs and small businesses by presenting common financial problems and their solutions. Financial Planning for the Entrepreneur provides a bridge between entrepreneur and small business management & marketing and finance through a review of the 12 problem areas in financial management. These are presented through questions and thought-provoking problems at the beginning of the book. The book also presents 18 popular business and industry profiles covering several important areas not covered in the SBA "start-up" series. This gives readers the feel of having the necessary background about a prospective firm before developing a business plan. Finally, realistic case studies are provided for each of the 12 problem areas and focus on each of the 18 industries presented in the book. This gives readers an opportunity to apply the mechanics of solving a financial problem to a real-world situation. A valuable book for any small business owner or entrepreneur wishing to learn more about specific financing problems facing their particular businesses and the solutions available to them.

Entrepreneurial Finance, Third Edition: Finance and Business Strategies for the Serious Entrepreneur

Author : Steven Rogers
Publisher : McGraw Hill Professional
ISBN 13 : 0071824065
Total Pages : 416 pages
Book Rating : 4.0/5 (718 download)

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Book Synopsis Entrepreneurial Finance, Third Edition: Finance and Business Strategies for the Serious Entrepreneur by : Steven Rogers

Download or read book Entrepreneurial Finance, Third Edition: Finance and Business Strategies for the Serious Entrepreneur written by Steven Rogers and published by McGraw Hill Professional. This book was released on 2014-04-18 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: The premier guide to setting up and managing your business’s finances Whatever business you run or plan to launch, Entrepreneurial Finance provides the essential tools and know-how you need to build a sturdy foundation that will support it for many years to come. Entrepreneurial Finance, Third Edition, offers potent methods for keeping firm financial control of your enterprise and insightful tips for avoiding the multitude of financial barriers that may block your entrepreneurial dream. This exciting update covers all the major topics that have made Entrepreneurial Finance the definitive book on the subject--from understanding financial statements and measuring cash flow to making a company profitable, valuing a company, and raising additional debt and equity capital--as well as brand-new, need-to-know information about: Marketing your crowdfunding campaign to finance not only technology companies, but also arts, sciences, biotechnology, and community development organizations Pursuing "intrapreneurship," or the financing of growth within an existing company using a mindset of entrepreneurship The "Entrepreneurship Spectrum," or the many ways to pursue your dreams of running your own company Discovering sources of debt and equity capital for the fast-growing millions of women and minority business owners Entrepreneurial Finance clearly explains the inescapable rules of timeless financial and business principles by using real-world examples and in-depth case studies. It features expert coverage of phantom stock, options, and ratio analysis used for businesses small and large. Packed with powerful financial and business techniques you absolutely need for success today, Entrepreneurial Finance provides the essential tools for building and maintaining steady profitability and business longevity in the most difficult economy in generations. The Definitive Finance Guide for Entrepreneurs Entrepreneurial Finance is a complete, one-stop resource that provides the information and strategies you need to ensure your business gets up and running--and stays up and running. The successful founder of several companies and one of today's top entrepreneurship educators, Steven Rogers teaches you all the best practices for financially setting up and managing a business. You'll learn everything you need to know about: Business plans -- What they are, what they can do, how to prepare them Financial statements -- How to develop them, how to analyze them Money -- Where and how to find it, techniques for maintaining positive cash flow This new edition brings you fully up to date with important new information on what to do and what to avoid when it comes to crowdsourcing, "intrapreneurship," and debtand equity capital, and it provides case studies of companies that were successfully launched during recessions. Working for yourself will be the toughest job you ever have, but Entrepreneurial Finance makes it easier by giving you a single resource packed with the latest research and step-by-step guidelines for what must be done, how to do it, and what to do when things go wrong.

The Pocket Small Business Owner's Guide to Starting Your Business on a Shoestring

Author : Carol Tice
Publisher : Simon and Schuster
ISBN 13 : 1621532909
Total Pages : 224 pages
Book Rating : 4.6/5 (215 download)

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Book Synopsis The Pocket Small Business Owner's Guide to Starting Your Business on a Shoestring by : Carol Tice

Download or read book The Pocket Small Business Owner's Guide to Starting Your Business on a Shoestring written by Carol Tice and published by Simon and Schuster. This book was released on 2013-07-01 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most businesses that close their doors have one thing in common: They ran out of money. Don’t let this happen to you. This indispensable book, part of Allworth’s popular Pocket Small Business Owner’s Guide series, will help you to save money on every aspect of your business, from advertising to overhead. With invaluable cost-cutting tips for all types of businesses, from e-commerce and home-based operations to services and retail, this guide will help you create a blueprint that will allow your business to survive and thrive. You’ll save on: Advertising Marketing Purchasing Transportation and shipping Labor Financing Facilities Operations Taxes And more! In today’s economy, small business owners must seize every opportunity to keep costs down, and every penny saved goes to your bottom line. Follow this street-smart advice to lay the foundation for a business that will be profitable for years to come.

Business for Beginners

Author : Frances McGuckin
Publisher : Sourcebooks, Inc.
ISBN 13 : 1402203926
Total Pages : 338 pages
Book Rating : 4.4/5 (22 download)

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Book Synopsis Business for Beginners by : Frances McGuckin

Download or read book Business for Beginners written by Frances McGuckin and published by Sourcebooks, Inc.. This book was released on 2005 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most small business guides claim to be for entrepreneurs, but either talk over their heads or treat them like they have no business savvy. The solution? Business for Beginners. Written by an entrepreneur, it targets the 13 big questions (and all the other questions that come with) that entrepreneurs need to consider to build a successful business, with the answers that will set them on the right track. Frances McGuckin and SmallBizPro are dedicated to reaching the small business owner, speaking constantly across North America and working closely with the small business associations that entrepreneurs turn to for help. This book contains clear advice along with case studies, examples, checklists and "success strategies." The essential advice includes: Knowing where to start Understanding legal and tax requirements Understanding financial statements Organizing accounting and paperwork Developing a winning business plan Building entrepreneurial skills Marketing on a budget

How to Start, Run, and Stay in Business

Author : Gregory F. Kishel
Publisher : John Wiley & Sons
ISBN 13 : 0471671843
Total Pages : 288 pages
Book Rating : 4.4/5 (716 download)

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Book Synopsis How to Start, Run, and Stay in Business by : Gregory F. Kishel

Download or read book How to Start, Run, and Stay in Business written by Gregory F. Kishel and published by John Wiley & Sons. This book was released on 2005-05-18 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new 25th anniversary update of the entrepreneur's bible For twenty-five years, entrepreneurs have relied on this friendly, comprehensive guide to the basics of successfully operating a small business. Now, this new Fourth Edition of How to Start, Run & Stay in Business completely updates the bestselling classic for today's entrepreneur. It features all the reliable, straightforward advice readers expect and also includes entirely new information on online business and marketing as well as new Internet resources. Material on legal and financial issues, international business, customer service, and state and federal tax regulations has been fully revised. Plus, new charts, illustrations, questionnaires, and checklists make the book more practical and useful than ever. Inside, you'll find world-class guidance on every vital aspect of small business success, including: * Preparing a business plan * Finding the right location * Deciding on an ownership structure * Record keeping and taxes * Financing and capital * Inventory and distribution * Hiring and staffing * Managing and motivating people * Marketing and promotions * Risk management * And much more In addition, a wealth of helpful resources covers all your outside needs, from attorneys and accountants to trade associations and Web site designers. Whether your business is brick-and-mortar, mom-and-pop, home-based, or online, How to Start, Run & Stay in Business, Fourth Edition provides all the information you need to make your entrepreneurial dream a reality.

Small Business Big Pressure

Author : Darryl W. Lyons
Publisher : Morgan James Faith
ISBN 13 : 9781630476519
Total Pages : 0 pages
Book Rating : 4.4/5 (765 download)

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Book Synopsis Small Business Big Pressure by : Darryl W. Lyons

Download or read book Small Business Big Pressure written by Darryl W. Lyons and published by Morgan James Faith. This book was released on 2016-01-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The daily roller coaster for an entrepreneur can include both terror and exhilaration. Small Business Big Pressure reminds us success does not come from luck, wishes, or dreams, but from careful planning directed by godly wisdom." - Dan Miller, New York Times bestselling author of 48 Days to the Work You Love Your small business is controlling you; take back what you rightfully own. Small businesses make our country great. However, the challenges facing entrepreneurs and small business owners can be overwhelming. Business schools don't prepare owners for the real world. As a result, entrepreneurs may experience worry, pressure, and confusion. It is then just a matter of time before the entrepreneur suffers a breakdown. But it doesn't have to be this way. Small Business Big Pressure is a collision of wisdom and knowledge designed for the 20-year business veteran or the soon-to-be entrepreneur. When a business owner aligns all facets of his company with God, something special happens. In the context of aligning with God's will, with Small Business Big Pressure you will be able to: Build a mission and vision statement Accomplish personal and professional goals Read and apply financial statements Hire, train, and fire employees effectively Build a company identity and inspire your team Not only will this book give you solid principles, a real tested-in-the trenches entrepreneur shows you how to put these principles into practice immediately! You will be compelled to keep the book close by through your entire career, both as a unique reference and a source of inspiration. DARRYL W. LYONS, ChFC, CFP®, is one of America's most successful and respected financial advisors and cofounder and CEO of PAX Financial Group, which has been recognized multiple times as one of the fastest-growing and best places to work by the San Antonio Business Journal . Lyons, recipient of numerous awards from Fortune 100 Companies for production and recruiting, is also cofounder of the Financial Mythbusters radio show and is considered one of San Antonio's "40 Under 40 Rising Stars." He and his wife, Caresse, have four children.

The Entrepreneur's Guide to Financial Statements

Author : David Worrell
Publisher : Praeger
ISBN 13 : 1440829357
Total Pages : 0 pages
Book Rating : 4.4/5 (48 download)

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Book Synopsis The Entrepreneur's Guide to Financial Statements by : David Worrell

Download or read book The Entrepreneur's Guide to Financial Statements written by David Worrell and published by Praeger. This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Like a detailed trail map through the jungle of finance, this book guides readers past small-business financial pitfalls, showing readers how to fine-tune operations and enhance profitability. Easy to read and full of engaging stories, this book teaches the basics of true financial management—re-made just for small businesses. It's perfect for entrepreneurs who want to get more from their accounting without getting stuck in the details. The author examines each of the three major financial statements and explains both how and why business owners should utilize these powerful tools to create a more stable, more profitable business. Whether one's business has one employee or 100, the small business owner will gain a deeper understanding of why finance is so critical to survival and growth. Written by an experienced CFO and entrepreneur, The Entrepreneur's Guide to Financial Statements uses illustrations, real-life stories, and crystal-clear writing to show business owners the importance of "the numbers" and the critical nature of finance to the survival, profitability, and growth of their small businesses.