Small Business Planning and Finances

July 21, 2015 by

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The cost of hiring a new employee does not stop at the salary a business owner pays them.  The cost of recruiting and training can be expensive costs to the small business owner, and one of the many reasons the can hesitate about hiring if they are short in cash.  Keeping a talented workforce is another matter.  The salary and benefits small business owners provide to their employees can be instrumental in keeping individuals with talent in their businesses. To read more about this and other topics, follow the links below.

How Banks Lost Their Groove In Small Business Finance… And Why They May Never Get It Back

Prior to the Great Recession, easy credit conditions prevailed for small businesses. Cash was free flowing, and relaxed lending practices made it relatively easy to secure financing.

After the Lehman Brothers crash and during the ensuing “credit crunch,” volume fell roughly 19% from 2008 until 2012. This general slowdown in lending coincided with stricter requirements placed on borrowers. Financing simply became less available — even for “creditworthy” companies. For the first time in U.S. business history, small business owners frequently were unable to secure credit even from their own banks.

Many banks suffered losses when the housing bubble burst, and they became risk averse. In order to make loans, they often sought three years worth of financial data. Naturally, revenues declined during the recession, and startups were particularly challenged because they had no financial track record to highlight. Historical data from my company’s Biz2Credit Small Business Lending Index shows that big bank lending hit rock bottom four years ago in June 2011, when only 8.9% of small business loan applications were granted.

IKE TROTTER — Planning is vital for small businesses

Here in Mississippi and, in particular, the Delta, small businesses are the backbone to our economy. And, equally as important, small businesses can be the glue that brings children back home to run and eventually succeed in the ownership of a business. But, as many know, running a small business today involves a great deal of risk.

Needless to say, a small business normally comprises the largest part of one’s estate.  Unfortunately, most business owners fail to address the need for succession planning because it is human nature to put off decisions concerning death, disability or retirement. But here’s a typical scenario: upon the departure of a business owner, there are three choices for remaining family members; sell the business, liquidate the business or try to continue operating. Because of this, succession planning is critical in carrying forth both an orderly transition of power to new owners as well as providing continuity for employees and existing customers.

A properly drafted buy-sell arrangement that is adequately funded can provide financial protection for both family and business. Designed effectively, the plan can allow surviving family members and owners to enjoy ongoing economic support for succeeding generations.

Small business advice: How to attract and retain loyal millennials

It’s no secret that building and maintaining stable employee relationships saves money in the short term and increases company performance in the long term. But what does appear to be a mystery is how to build those relationships.

Many small business owners haven’t found a way to take advantage of this insight because they struggle to build attractive benefits packages and cultures that appeal not only to the best employees, but also to the most dedicated employees.

Fortunately, there’s new information available that points to a surprising solution to this problem: Small businesses need to hire more underrated (and underrepresented) long-haul millennials.

“Dedicated” and “loyal” might not be terms that you usually associate with millennials, but new research indicates that you might want to reconsider your outlook. Although you wouldn’t want to focus your entire hiring strategy on one demographic, there are two facts about millennials that you need to consider before dismissing this approach.

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Succession Planning – Protect Your Future Now

July 16, 2015 by

59948705It is a given, among professionals who work with them, that small business owners are bad at succession planning.  It’s also a given that being bad at it is entirely normal.  The owner who follows a well thought out and executed plan culminating in a successful retirement is the exception rather than the rule.

Many people are uncomfortable with, and resistant to, planning for their retirement.   But, this is especially true of the independent entrepreneur who’s the heart, soul and brains of his organization.  He finds it difficult, often impossible, to give up control of all he’s built over years.  His mantra is “there’s time, it’ll all work out”. 

Unfortunately, it usually doesn’t work out and this belief sets the organization up for failure.  The number 1 reason companies don’t survive into the next generation is the lack of a properly implemented succession plan.  According to a 2013 Small Business Administration (SBA) study only about 30% of businesses survive a transfer of management into the 2nd generation. 

This number is alarming when you consider that family businesses comprise 90% of all  small business in the country and 88% of owners want to pass it on rather than sell it (SBA, 2013).  The only succession plan most of them have is to be an absentee owner, while the successor — a family member or key employee — runs a profitable concern which will support him in his retirement. 

Therefore, most successors aren’t successful and the company doesn’t survive the transfer of power.  Not only does this leave him with no retirement it often leaves him with debts and a tarnished reputation, because there was no proactive plan.  Too often when the average owner is ready to relinquish control and retire he’s already run out of time for a successful changeover. 

There’s no one size fits all plan so it’s important to seek outside help for organizational, management, financial and legal issues which will arise.  Effective succession planning is a challenging task, but worth the reward.  It’s good stewardship of your company’s, employee’s, customer’s and family’s future. 

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Small Business Money Issues

May 28, 2015 by

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From retirement funding  to meeting payroll every month, small businesses are plagued in a continual basis with issues about money.  Legislation in Washington  can be helpful or devastating to the small business community, and in some instances small business owners find themselves with the same problems regardless of what happens in Washington.  Does your business need a loan? Do you need money to fund a retirement account for you?  Follow the links below for more news about this and other issues affecting your business.

Loans, taxes, regulations on small-business election agenda

There are no “one size fits all” issues for small business in the 2016 presidential campaign. While candidates try to appeal to all small businesses, many owners want very specific things. A sample of what’s on the agenda of some individual owners and two small business advocacy groups:

Help small banks compete: Community banks whose customers include small businesses are at a disadvantage because of regulations under the Dodd-Frank Act implemented following the 2008 banking crisis, says Jim Angleton, owner of Aegis FinServ, a Miami-based financial services company. While the law is needed to prevent a recurrence of the practices that led to bank failures of all sizes, it places a disproportionate financial burden on smaller banks, Angleton says.

The number of small banks in the U.S. dropped 14 percent after Dodd-Frank was enacted in 2010, according to researchers at George Mason University.

5 Creative Ways To Fund Your Small Business

A look at the fast-evolving options for entrepreneurs on a money hunt—including several that first-time entrepreneurs tend to overlook.

When Mike Shapiro quit his job as a corporate lawyer to launch a group of community news web sites in 2008, he relied on savings he’d frugally socked away for years. “I wasn’t an Armani suit guy at my firm,” says Shapiro, CEO and publisher of TAPInto.net, a five-employee franchise chain, based in New Providence, N.J., that now has 37 locations.

But self-funding the business turned out to be stressful. During the first two and a half years, he poured about $250,000 into his startup, taking no salary while he and his family lived on their savings. And as he was launching the business, his son, then an infant, had to have open heart surgery, and his wife stayed home to care for the baby.

Small Business — and State Governments — May Rescue Your Retirement

NEW YORK (TheStreet) — Half of Americans employed in the private sector work for small businesses. That means many workers simply don’t have access to retirement plans. Big firms lure talent with tax-advantaged savings plans like 401(k)s — and even match workers’ contributions, while neighborhood businesses often lack the means to provide such benefits.

But now, the small-business backbone of the economy is slowly rising to the occasion, often with the assistance of state governments.

Here’s one such example from the state of Washington: The Small Business Retirement Marketplace, signed into law last week by Washington Governor Jay Inslee, will provide an estimated 1.5 million residents in the state with access toworkplace-based retirement accounts.

“Employers do not have to do anything but deduct and forward the money — the same way they handle taxes,” said Rep. Larry Springer, a co-sponsor of the state legislation, in a press statement. “We know people are very unlikely to save for retirement if they are not offered a plan through work. The Small Business Retirement Savings Marketplace will allow more workers access to a safe, easy and affordable way to retire in dignity.”

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Small Business News

January 28, 2015 by

59350241There are many tax advantages that came into effect for this year for small business owners, and cutting more taxes is one the things Rep. Steve Chabot wants to accomplish now that he is Chairman of the House Small Business Committee. Cutting taxes and regulations are a top priority for the Representative, and the small business community cannot fail to benefit from this agenda. Follow the links below for more news about small business.

Small business lending in Ohio shifts toward institutional investors

The biggest obstacle to opening a small business in Ohio is still financing, and Juanita Darden-Jones can tell you all about it.

Darden-Jones plans to open a coffee and wine shop in downtown Dayton called Third Perk this summer, which will mark two years since she first contacted CityWide Development Corp. about getting help raising the money for the equipment and renovations to open the shop.

“Small businesses are almost impossible to finance,” Darden-Jones said. “Banks are not very kind to us.”

The equipment for the coffee shop cost at least $30,000, and Darden-Jones expects to invest about $30,000 in renovations to the store. But that doesn’t include any coffee, food or wine inventory costs.

Small business lending in Ohio is becoming dominated by institutional investors as approval rates at big banks remain rather slim, and small bank approval rates are decreasing.

Big banks improved their small business lending approval rate to 18.5 percent by December 2014, up from 15.9 percent in January, but still lag behind the national rate of 21.1 percent, according to the Biz2Credit Small Business Lending Index.

Small business agenda: Target taxes, regulations

NEW YORK (AP) — Cutting regulations and taxes are on Rep. Steve Chabot’s must-do list for small businesses.

The Ohio Republican, who became chairman of the House Small Business Committee when Congress took office earlier this month, plans to continue the committee’s focus on how the government burdens small companies.

“If there’s one thing government can do for small business it’s to get the heck off their backs,” Chabot says. “We do over-regulate them. We do overtax them.”

PRIORITIES

Chabot plans to hold hearings to advocate for small businesses, as did his predecessor Sam Graves, R-Mo. Chabot says the committee will focus on the health care law and regulations issued by the IRS and Environmental Protection Agency.

Chabot also plans to push for tax relief for small businesses. He noted that when the Republican-led House passed tax bills in the past, the legislation stalled in the then-Democratic led Senate. He’s looking for more progress in a Congress now controlled by the GOP.

“We think we have a much better chance at advancing a whole range of tax reform issues,” Chabot says.

What an Ohio fire truck company tells us about globalization and free trade

Think free trade deals will help small businesses? It’s a lot more complicated than that. 

For 125 years, some small portion of America’s fire trucks have come from Columbus, Ohio. That’s where the family-owned Sutphen Corp. produces shining red masses of steel and aluminum, loaded with ladders and tanks, the kind of vehicle that towns buy as a promise to keep citizens safe.

But when the recession hit in 2008, Sutphen knew that the United States wouldn’t be enough.

“We saw that we were totally dependent on the U.S. economy, especially municipal funding,” says Ken Creese, the company’s director of sales and marketing. Sutphen’s orders had dropped by some 40 percent, and they were starting to lay people off. They needed new markets, stat.

To find them, the company looked to a country better known for selling stuff to America rather than buying it: China. They hired a vice president for international relations, began responding to solicitations by local governments, and quickly started filling orders. Now, about 11 percent of the 250 trucks Sutphen makes per year sell overseas — not only in China, but Venezuela, Colombia and Peru. Just last week, the company signed a $3.8 million deal with a Chinese fire department.

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Time Management For Your Business and Personal Life

January 7, 2015 by

business (5)Almost half of Americans make a New Year’s resolution, and a very small percentage of those people are successful.  But one of the most frequent New Year’s resolutions is the wish to spend more time with their family or loved ones. If your business is taking too much time away from the things you wish to do, isn’t this a year to fix it?  Efficiency in the workplace can be accomplished, thus giving you more time to take care of other issues that will enable you to have more time to enjoy life.   For more about time management and efficiency in the workplace, follow the links below.

5 Fundamental Ways To Save Time And Increase Personal Efficiency In 2015

One constant in my management career – and I strongly suspect in many, many others – was that with challenging projects, challenging people, and a host of intractable business problems, there were never enough hours in the day to do what, in a perfect world, needed to be done.  Simply put, in management you never have enough time.  Accordingly, here are 5 fundamental ways to save time and increase personal efficiency in 2015.

Letting go – Are you delegating all you should be?  Are you holding on to things that others on your staff could be doing just as effectively as you?  Do you tend to bottleneck projects, with others waiting for your decisions and being delayed in the process?  The fact is, all really effective executives are also highly efficient delegators.  There’s no choice.  With multiple projects and priorities swirling around, they have to be… or they wouldn’t be effective for long.

Keep at bay the Great Devourer of Time – I’m speaking of course of meetings, which have a vast appetite for corporate time… and, as everyone in business knows, are too often inefficient.  Time wasted in meetings when other projects needed doing was a constant pet peeve of mine in the business world.  To the extent you can save time both in those meetings you attend (Do I really need to go? Can I send someone else in my place? Can I find out what I need to in a quick phone call instead?) and those you set up (Do I really need to schedule an hour? Might a half hour do? Or even 15 minutes?), your schedule will thank you for it.  Naturally some meetings are valuable and essential, no doubt about it.  But if you approach them all from a certain skeptical standpoint of operational efficiency, you’ll likely find yourself returning useful time to your calendar on a regular basis.

5 Secrets to Managing Your Business While Traveling

Traveling the world and running a business at the same time seems like a glamorous lifestyle: You can work from anywhere you want, make your own schedule and be your own boss.

But the characteristics that make it desirable also turn it terrible.

After all, with complete freedom to choose between exploring far-off lands (and people) and sitting in an Internet cafe doing SEO chores, participating in conference calls and writing emails, who would choose to do the latter tasks? Not many people.

Given the option, you would probably close your computers and go exploring with those beautiful Scandinavians who just invited you to the beach.

The digital-nomad lifestyle may seem appealing, but there’s nothing glamorous about freaking out because your Internet connection in a small town suddenly went out two minutes before an important conference call or product launch.

Yet it’s possible to find a balance and successfully run a business from the road, relying on time management and careful planning.

Build Your Business For Lasting Success With This Tip From The Grateful Dead

Whether you’re into hippy jam bands or not, you have to admit: The Grateful Dead were masters of their business. Sure, they only had one Top 10 song on the Billboard Hot 100 chart. They didn’t win a Grammy during three decades of active music production (though they did finally receive a Lifetime Achievement Award in 2007).

But they found a niche and they dominated it — and their strategy is one that businesses of all kinds can learn from.

You’ve heard about the fox and the hedgehog: the ancient Greek poet Archilochus penned the oft-repeated phrase “… the fox knows many things, but the hedgehog knows one big thing.” The poem is a philosophical touch point for business theory, personality testing, and more. The Hedgehog’s one big thing — curling into a ball to protect himself from attack — helped him fend off the more cunning fox, whose every creative effort to eat the hedgehog is foiled.

The hedgehog approach is key to starting a successful business. A successful startup knows its one big thing and does it better — or cheaper, or faster — than anyone else.

It’s exactly what the Grateful Dead did in developing and marketing their music. Brian Halligan and Dharmesh Shah, the founders of Hubspot, argue in their book Inbound Marketing that the Grateful Dead found extraordinary success by doing three simple things: they created a niche market, they upended traditional marketing strategies to build an audience, and they focused like a laser on the one thing they could do best.

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Obamacare and Tax Refunds for Small Businesses

September 4, 2014 by

business (8)According to certain reports by the SEIU.org Ohio ranks 35th.in the nation for health Status. It also states that as the Affordable Care Act is fully implemented, close to a million Ohio residents will gain access to affordable health care. Diabetes, asthma and obesity have plagued the nation in recent years and Ohio is not immune to those health risks. Being able to afford health care is for many individuals a problem of insurmountable proportions and President’s Obama Health Care Act gives them the hope of obtaining health coverage for them and their families this year.

For more news about Ohio, follow the links below.

After delays, Obamacare options for small businesses coming to Ohio soon

WASHINGTON, D.C. — The Obama administration has selected Ohio and four other states for what it says is “early” access to an Affordable Care Act program offering health insurance to small businesses.

This will allow businesses with up to 50 employees to look for competitively priced health coverage for 2015 through the Small Business Health Options Program, or SHOP, according to the U.S. Department of Health and Human Services.

The federal SHOP program was supposed to be in place this year but was pushed back amid numerous problems in starting up the ACA’s main program, covering individuals. Some states with their own enrollment processes did not have these problems and were able to start SHOP anyway, but Ohio was one of many relying on the federal enrollment mechanisms.

Small business owners get hefty state tax refunds

The state is refunding millions of dollars to small business owners who overpaid their taxes in previous years and were not aware of the errors.

An Ohio law signed this year by Gov. John Kasich forces the Ohio Department of Taxation to refund overpaid taxes to companies. State officials said so far they have cut refund checks for $29 million.

Previously, if a business wasn’t aware it had overpaid and didn’t request a refund, the money would be held at the department of taxation, and once statutory deadlines passed, the money would roll into the state treasury, officials said.

“It was just wrong. The policy was anti-business. It was terrible, so we have changed it. Who knows how many millions and millions of dollars should have been in the hands of business people across this state for many years and it’s lost forever,” Ohio tax commissioner Joe Testa said.

Down-ticket Dem candidate talks small business in Athens

The Democratic nominee for Ohio Secretary of State, state Sen. Nina Turner, visited Athens Tuesday to meet with various area small-business owners to learn about ways to help if she is elected in November.

Turner, a Cleveland Democrat, said in an interview that she was in Athens to hear the experiences of small-business owners, and hear their ideas about the local business environment and how to improve the Secretary of State’s Business Services Division. She called the division a key component of her plans for the office.

“It was such a pleasure sitting down with these business owners and leaders in their community to discuss the situation on the ground in Athens and learn their stories of starting their businesses and making them successful,” said Turner.

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Ohio Unemployment

June 10, 2014 by

business (3)The United States unemployment rate for April was 6.3% down from 6.7% back in March.  The April rate is a 1.2% decrease from last year, and it seems it has been steadily decreasing over the last 12 months. In Ohio we are doing a little bit better than the national average. Ohio’s unemployment rate was 5.7 % in April 2014, down from 6.1 % in March.  Small businesses across our nation provide a great percent of the jobs created, and in Ohio small business provide more than half the jobs. Helping them succeed should be a top priority for the Ohio government, and providing them with resources and guidance can make a huge difference.

Read more about business in Ohio by following the links below.

Ohio Growth Summit seeks to unleash job-growing power of small businesses

Fully 99 percent of Ohio businesses have fewer than 100 employees – and though they’re small, they still provide 60 percent of the jobs.

The key to exponential job growth is for public-private partnerships to help micro-companies progress to the 10-99 employee stage, said Jerry Ross, executive director of the National Entrepreneur Center in Orlando, Florida.

“We are a small-business country,” said Ross, opening speaker of the Ohio Growth Summit entrepreneurial conference being held Wednesday and Thursday at Columbus State Community College.

“What we need to do as communities is say, ‘How do we get together to grow our small businesses?’ ” he said. “The leaders need to start talking to each other.”

Ross’s center combines the forces and expertise of 12 different economic development agencies under one roof, including the U.S. Commerce Department, the University of Central Florida’s Small Business Development Center and incubation program, the Orlando chapter of the Score business mentorship group and several minority business associations

SEA Change, a new Cleveland business accelerator, is looking for startups with heart: the Mix

CLEVELAND, Ohio–If you have an idea for a smartphone app or an Internet-based service that could conceivably scale to something big, and make people rich, there are several business groups in Northeast Ohio that might help you get started.

But what if your venture is intended mostly to solve a social problem or better the world? Good luck. There really has not been any place to take such a notion locally–until now.

This week, a group of entrepreneurship enthusiasts will introduce SEA Change, the region’s newest business accelerator and one that aims to add a new dimension to local innovation.

As a social enterprise accelerator, SEA Change will offer training, connections and capital to startups that have humanity at heart, organizers say. Noble ventures could partake of thousands in seed money.

More details will be revealed Friday, when SEA Change is launched at Shaker LaunchHouse, one of the collaborators behind it. And much will not be revealed because no one is quite sure how SEA Change will evolve.

Ohio Business Owner Sentenced For Lapsed Comp Coverage

Columbus, OH (WorkersCompensation.com) – A Ravenna (Portage County) business owner was ordered to pay $3,500 in connection with lapsed workers’ compensation coverage. Ronald G. Larlham pleaded guilty May 12 in Portage County Municipal Court to workers’ compensation fraud, a first-degree misdemeanor.

“Businesses in Ohio cannot operate with lapsed workers’ compensation coverage,” said Bureau of Workers’ Compensation Administrator/CEO Steve Buehrer. “The bureau makes good faith attempts to work with businesses to bring them into compliance, but if unsuccessful, we must take the issue to court to comply with state law and to protect the State Insurance Fund.”

The BWC’s compliance department referred the matter to the Special Investigations Department’s Employer Fraud Team (EFT) after Larlham continued to operate his business, RGS Automotive in Ravenna, with lapsed workers’ compensation coverage. He had failed to work with the compliance department to bring the company’s policy back into compliance. EFT agents then made numerous attempts to bring the company’s policy back into compliance. The case was referred to the Portage County Prosecutor’s Office.

 

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3 Types of Networks Every Leader Should Develop

May 26, 2014 by

business (9)Every organization has a “go-to person”, the leader who can successfully get things done, who knows everyone and is well liked.  The one some call a natural leader and while others say he’s/she’s “just lucky”.  However, chances are, luck has very little to do with it.

Organizations are social structures created and operated by people.  Leaders effectively navigate them by building and maintaining the relationships they need to be successful.  In the article “How Leaders Create and Use Networks” (Harvard Business Review, 2007) Herminia Ibarra and Mark Hunter identified the 3 types of networks successful leaders have or should develop.

Operational – This network is internal to the organization and is developed to get work done effectively.  The goal is to build strong functioning lateral relationships by identifying who can be counted on in other departments (HR, IT, accounting, etc).  It’s equally important to identify individuals who are depending on you and to be an essential part of their network.

Personal – This network is mostly external to your organization and is crucial to your personal and professional development.  Successful leaders have an eye on the future and become involved with outside activates, which provide opportunities to meet useful contacts.  The key to establishing this network is to be involved in the activity and not just show up.

Strategic – This is a leveraging network that separates the leaders from the managers.  It’s both internal and external to your organization and is oriented to the future.  Identify your future priorities and challenges, and then secure support for them with the people in this network.  Formal or informal mentors and coaches are usually a part of it.

The main factor in successfully building and maintaining all 3 networks is to give more than you take.   Leaders know that establishing relationships, doing a favor, showing interest in someone, giving a referral and communicating face to face is still how things get done.  Yes, it can be time consuming, but as Coleman Cox said, “I am a great believer in luck.  The harder I work the more of it I seem to have”.

Nicole Abbott – writer, educator and psycho-therapist

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Reasons Never To Neglect Existing Customers While Pursuing New

April 24, 2014 by

business (10)There is a danger that lurks in the relentless pursuit of new customers. With performance measurement so often geared toward new customer acquisition, many, from the CEO to the individual relationship manager, might be tempted to shift focus from an existing book of business. This can even take place subconsciously. Rest assured, however, customers will ascertain the level of service that is being delivered. To keep from drifting away from stellar service and neglecting customers, here are some points to consider;

1) Remember the cost of acquisition. Of course, every customer you have comes with a cost, and many businesses have this defined down to the cent. It is helpful to think of the process of acquisition as well. How many introductions, meetings, lunches and proposals did it take to earn the customers’ business? What effort was put forth in the onboarding process? Contemplate this the next time you are tempted to skip that quarterly review or to decide that a thank you note really isn’t necessary.

2) In many industries, the best source of new business is your business. Think of your best customers. Would you like to have more of them? Would they recommend you and/or your company? Many would agree that the answer to that question will go a long way toward determining your ultimate level of success. Still, some struggle with asking for referrals. This could stem from a lack of confidence. Really, would you hesitate to ask for a referral when you are truly proud of the way you have taken care of a customer?

3) Finally, constantly remind yourself that your top 10 customer list is someone else’s top 10 prospect list. Don’t fool yourself into thinking that whatever good or service you are providing is simply not to be obtained elsewhere. This is rarely the case. Neglecting customers leaves the door open to your competitors, and you may not even realize it.

Your overall business will not grow unless you can obtain and retain customers. Keeping these principles in mind can help you do both.

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When is the Right Time to Exit Your Business?

July 6, 2010 by

What can exiting from your business mean to you?  It can be as emotionally difficult as a bankruptcy or forced liquidation or it can be a planned sale with all debts paid, money for retirement and peace of mind. Planning for succession means you should plan to sell when the sale will provide the funds necessary to retire or move on to a new opportunity. It can also be passed on to your heirs, employees or partners with proper pre-planning to fund the sale.

Ralph Berge is an Ohio Business Coach who helps business owners plan their succession management.  “Succession management is an exit strategy that simply means you have planned your transition and you are ready to take advantage of the options available to you’ says Berge. Call Ralph Berge, Business Coach 440-838-0991 to get moving on your business exit strategy.

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