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Why Personal Credit Matters When Applying for a Business Loan

If you’re a small business owner looking for a business loan, you might be wondering why lenders want to know your personal credit score.  It makes sense that they’d review your business’ financials, your business plan, and your business credit score, which shows how creditworthy your business has been since you applied for an Employer Read more >

Personal Credit vs. Business Credit: What’s the Difference?

Your personal credit score and business credit score are two separate but related numbers that tell lenders how creditworthy you, or your business, are. On the surface, the difference between the two scores is clear: One relates to your personal financial history, and the other to your business’s financial history. But because credit bureaus use Read more >

5 Ways to Combat Your Business Financial Emergency

Some say running a business is risky. The risks often start to surface as soon as you’re hit with an unexpected expense or a business financial emergency.   According to CB Insights, 30% of businesses fail because the owner runs out of money. Your computer breaks. Equipment needs to be repaired. A vital team member Read more >

Understanding the Terms of Your Business’ First Office Lease

Your first office lease represents an important step for your growing business. It marks a significant milestone you should celebrate, a culmination of the hours you’ve spent hard at work. You’ve shown a commitment to your ideas, a dedication to your employees, and now, your time and effort have paid off. That said, a commercial Read more >


Tax season means that if you haven’t filed yet, it’s time to get to it and calculate your potential refund from the IRS. If you have already filed and are awaiting said refund, you’re probably spending some time dreaming about the things you could do with it.   Sure, you can take a vacation, put money into Read more >

Time Management for Small Business Owners

Time is money as they say, and that’s especially true when it comes to running your small business. Here are four steps you can take to ensure your time is being spent well:   Set Goals and Plan Your Day Lewis Carrol once said, “If you don’t know where you are going, any road will Read more >

When Does My Small Business Need an Office?

With more and more people working remote, it’s worth asking whether or not your small business even needs an office, and if it does then when is the best time to invest? While no one can tell you exactly when you need to invest in office space for your small business, below is a short Read more >

Retirement Plans for Small Business Owners and Their Tax Implications

One of the less obvious responsibilities of being a small business owner is planning your own retirement. While salaried employees at big companies often contribute to a company-sponsored retirement plan, small business owners—particularly sole proprietors and owners of very small firms—don’t have that luxury.   Unfortunately, about a third of all small business owners don’t Read more >

Handling Overhead Costs for Small Businesses

Overhead costs are the basic operating expenses of running a business. These costs include fixed expenses such as rent, insurance, utilities, maintenance, employee salaries, and legal and accounting costs, as well as variable costs such as marketing and office supplies. When trying to cut down on expenses, most people think about laying off staff. While Read more >

4 Tips on Building Your Business While Paying Off Loans

One of the top causes of small business failure is lack of funding to not only launch but also grow in the first years. The simple solution is to take out a business loan to ensure you have enough to cover your expenses until profits start rolling in. But what happens when you’ve taken out Read more >

Who is the NFCC?

We are the National Foundation for Credit Counseling (NFCC). Founded in 1951, the NFCC is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

NFCC members help millions of consumers like you through community-based offices serving all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

For more on the NFCC, visit


Thank you to TD Bank, America’s Most Convenient Bank® and The TD Charitable Foundation, the charitable giving arm of TD Bank, for their exclusive support and commitment to NFCC’s small business owner financial coaching and education program.