How to Prepare Your Business Books for a Bank Loan
by: Donna HarrisPublished on: 20/07/2026Banks and SBA lenders don't just look at your credit score. They look at your books. Here's exactly what lenders want to see — and how to make sure your financial records support your loan application before you submit it.
Why Your Tax Refund Is Not Good News
by: Donna HarrisPublished on: 16/07/2026Everyone celebrates a big tax refund. Here's why you shouldn't. A refund means you gave the IRS an interest-free loan all year — money that could have been working in your business. Here's what to aim for instead.
What Is Seller's Discretionary Earnings and Why Does It Matter
by: Donna HarrisPublished on: 13/07/2026Seller's Discretionary Earnings — SDE — is the number that determines what your business is actually worth to a buyer. Most small business owners have never heard of it. Here's what it is, how it's calculated, and why your books determine your multip
Why Clean Books Are the Foundation of a Free Business
by: Donna HarrisPublished on: 10/07/2026Freedom isn't just a political idea — for a small business owner, it's a financial reality. Clean books are what make it possible to make real decisions, build real wealth, and run a business without fear. Here's why.