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Beyond Capital Blog

Expert advice for your small business.

Business Expansion

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To Build or Not to Build: 6 Signs Your Business Is Ready to Grow

Think your business is ready to grow? Here are 6 key signs that it may be time to take your company to the next level.

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9 Steps to Buying an Existing Business

Getting ready to start your entrepreneurial journey by buying an existing business? Here are 9 tips you need to know.

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10 Leading Business Trends to Watch in 2021

What are the major business trends shaping the economy in 2021? Here are the 10 top trends and how they affect small businesses.

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Business Financing

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A woman wonders whether to use a personal loan for a business.

Is It a Good Idea to Use a Personal Loan for Your Small Business?

If you want your business to grow, you have to be willing to put money into it. For this, loans are a great option to protect your cash flow and capitalize on opportunities. If you’re stuck deciding between a business loan or a personal loan for business, check out this guide to the benefits and drawbacks of each.

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What Is Business Finance?

Business financing is funding that companies obtain to start, run and grow. Here’s what you need to know about your options.

A hand is about to tap on the big “Apply Now” button of a computer tablet screen displaying a web page labeled “Business Loan.”

The State of Online Business Lending: The Fed’s Small Business Credit Survey

Each year, the Federal Reserve conducts the Small Business Credit Survey (SBCS). Here’s what the latest SBCS data says about online lending.

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Business Credit

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A stack of credit cards sits on one side of a scale and a credit score meter (with the needle in the middle) sits on the other side.

How to Lower Your Credit Utilization: 5 Key Tactics

Keeping your company’s credit utilization ratio under control is crucial to your company’s financial stability. Here’s what you need to know.

“Past Due” envelopes rain down behind a credit score meter, which is in the “poor” to “bad” range.

Late Payments: What Are the Credit Score Implications — and Solutions?

When you make late payments, credit score numbers suffer. Fortunately, you can take steps to prevent and mitigate the impact.

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How to Consolidate Business Credit Card Debt: 7 Options

You can consolidate business credit card debt to streamline your monthly payments. Here’s our guide to how to do it.

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Business Management

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Here Are 6 Ways to Measure Cash Flow in Business

There are multiple ways to measure cash flow. We’ll show you 6 formulas for measuring cash flow and how to interpret cash flow ratios.

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Discounted Cash Flow: How to Calculate It (Plus Examples)

Do you know how to use discounted cash flow analysis? Learn how to use this technique to make a more accurate analysis.

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What Are Net Payment Terms (and Should You Use Them)?

Net payment terms can help you make more sales, but they carry some cash-flow risks. Learn how and when to use net terms effectively.

Sales and Marketing

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A can of soda labeled “Brand Equity” sits on a pedestal surrounded by a sea of thumbs-up icons.

What Is Brand Equity? (And 5 Steps to Build It Quickly)

Brand equity is what separates the Fortune 500 list from the Fortune Mom’s Basement list. Here’s why you need it and 5 steps to build it.

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How to Support a Small Business: Here Are 10 Effective Tips

Independent companies contribute to local communities. But they need our help. Learn how to support a small business using these 10 tips.

A hand places a bag labeled “Marketing Agency” into a shopping cart.

Bring on the Brand Boosters: 7 Tips on How to Hire a Marketing Agency

Outsourcing your marketing? Here’s how to hire a marketing agency the right way: what to ask and what to avoid to find the right fit.

Accounting

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Free accounting software can help you manage your business finances.

8 Best Free Accounting Software Programs for Small Businesses

Need accounting software for your small business, but can’t afford to buy one? Check out our picks for best free accounting softwares.

A hand holding a pen starts to fill out a form labeled “Unemployment Benefits.”

What Is SUI? (Plus, How to Keep Your Unemployment Insurance Costs Low)

Is your state unemployment insurance rating too high? Learn how to manage SUI and reduce your unemployment tax.

A business owner, sitting at a desk surrounded by stacks of financial statements, looking miserable.

Why Should I Hire a Bookkeeper? Here Are 9 Reasons

Learn the signs when a business owner should stop posting the business’s books and hire a bookkeeper.

Leadership

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Here are 13 common weaknesses that leaders struggle with most.

The 13 Most Common Weaknesses in Leaders (and How to Fix Them)

Want to be a better leader, lower turnover and increase profits? These are the most common leadership flaws to start fixing today.

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Entrepreneurial Business Couples: How Do They Make It Work?

How does a business couple succeed as dual entrepreneurs while keeping their relationship strong? Explore tips for making it work.

A woman plants a flag with a dollar sign at the summit of a mountain.

Women-Owned Businesses: The State of Successful Female Entrepreneurship

The number of women-owned businesses is increasing. Explore the latest statistics about successful female entrepreneurs.

Business Insurance

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An employee has two broken arms, both in casts, and a neck brace.

Business Disability Insurance: What It Is (and When You Need It)

Business disability insurance can sustain income when you or your employees are unable to work. Learn what it is and how it works.

The words “Business Insurance” are being inspected by a couple of magnifying glasses.

What to Consider When Comparing Business Quotes for Commercial Insurance

Knowing how to compare business quotes for insurance can save you hundreds or thousands of dollars. Here’s how to evaluate offers.

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9 Best Small Business Insurance Companies

Learn how to identify the risks in your business and select the best small business insurance company with the lowest premiums.

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Retail

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A woman shops for clothes at a small shop.

Best Evergreen Niches: Businesses to Weather Any Financial Storm

What are the best evergreen niches for small businesses? Learn what products and services are in perpetual demand.

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What Is Assortment Planning in Retail? 7 Tips and Strategies

Data-based assortment planning improves cash flow while pleasing shoppers. Use these 7 tips to optimize your retail strategy.

But selling your wares on Amazon comes with a cost. We'll go over the various fees.

Amazon Seller Fees: So, What Are the Costs Exactly?

What is the true cost to sell on Amazon? We’ll take you through the Amazon seller fees to help you choose the best plan to optimize your profits.

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Human Resources

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A silhouette of a caped superperson with hands on hip stands on top of the giant letters HR. The symbol on the hero’s chest reads “PEO.”

What Is a PEO? Here’s the 411 on Professional Employer Organizations

What is a PEO, namely a professional employer organization, and should you use one? Learn the PEO essentials and how to use them effectively.

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9 Ways to Motivate Employees (Besides Money)

Is your staff inspired to get work done? Focused and driven workers help your business succeed. Discover 9 ways to motivate employees.

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Unconscious Bias in the Workplace: What Is It and How to Address It

Address unconscious bias in the workplace. Learn the causes of unconscious bias and how you can prevent it at your business.

Real Estate

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Images to show a distressed property, a wholesaler contracting with the seller, an investor making an offer and the property being renovated

What Is Wholesale Real Estate?

We’re answering the question, “What is wholesale real estate?” See how to become a real estate wholesaler and the steps needed to close a deal.

office lease

Short-Term Office Lease: The Pros and Cons

Most traditional office spaces require an annual or multi-year lease agreement. However, some startups and early-stage businesses might be uncertain about their business’s future and want to minimize the risks. If you’re not ready for a long-term agreement, consider a short-term office lease instead. Here’s what you need to know about a short-term office lease, […]

Hotel with stacked coins in front

How to Buy a Hotel or Motel

There are multiple factors to consider before buying and running a small hotel. You’ll have to weigh what you can afford when you buy a hotel and evaluate the average hotel and motel prices in your target area. The hospitality industry is highly competitive, with so many large, established brands already inhabiting the top markets. […]

Business Law

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An airline employee wearing a mask gets a vaccination shot from a masked medical professional.

Big Companies Mandating the COVID Vaccine: What Can We Learn?

With more large companies mandating COVID vaccine policies, what are the implications for small businesses? Here are some case studies.

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LegalShield Reviews: The Plans as Well as the Pros and Cons

See our LegalShield reviews and what real users have to say. We’re letting you in on the different plans, costs, pros and cons, competitors and more.

A masked medical professional administers a COVID-19 vaccine shot to another masked person.

Can Employers Require the COVID-19 Vaccine as a Condition for Work?

Can employers require the COVID vaccine for their workers? Here’s a look at some of the top legal issues employers need to consider.

Business Technology

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Google Workspace is a completely browser-based set of work and collaboration tools for businesses of all sizes.

Google Workspace Review: How to Use It (Plus the 5 Best Hidden Apps)

Do you know about these 5 hidden Google Workspace apps to supercharge your business? That and more in our in-depth Google Workspace review.

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How to Clean Up CRM Data (and Keep It That Way)

Find out what data cleansing is and learn how to clean up CRM data to connect with your contacts and build your business.

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Small Business Cybersecurity Tips: Delving Into the Threats and Solutions

Avoid online threats from stealing your company’s data. Consider these small business cybersecurity tips for your small business.

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