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Business Loan vs. Line of Credit: What’s the Difference?

Positive cash flow or working capital as its often referred to is one of the most common challenges business owners face. Whether for payroll, inventory, equipment or any other expense, having extra funds on hand can go a long way toward keeping your company running smoothly. Not only that, it can also help you make Read more >

3 Tips to Put Small Business Ideas in Motion

According to a study by Upwork and Freelancers Union in 2017, the U.S. workforce is predicted to become majority freelancers, or small business owners in the next decade. Since the IRS views freelancers, as self-employed, they must file as business owners. In a recent online poll conducted by the National Foundation for Credit Counseling® (NFCC®), Read more >

A Small Business Owner’s Guide to Better Bookkeeping

One of the most underappreciated yet vital aspects of running a business is bookkeeping. Far from the most glamorous part of entrepreneurship, keeping detailed financial records can be the difference between success and bankruptcy for small businesses. Bookkeeping requires time and effort, but you cannot put a price on having a clear sense of your Read more >

How 4 Entrepreneurs Used Credit Cards to Open Shop

Starting a business with credit cards might sound like a recipe for financial disaster. After all, credit cards are often associated with debt, interest and fees. But they are also increasingly the financing option of choice for entrepreneurs, who cite the ability to earn cash back and rewards, the ease of getting approved and the built-in Read more >

Top 10 Tax Preparation Tips for Small Business Owners

Running your own business certainly has many perks. You can have more control over your work schedule, hire people around you, and experience the excitement of building a company from the ground up. But, being a small business owner also comes with responsibilities that are a little less enjoyable—like paying taxes.   Few business owners Read more >


It might seem like the year’s just getting started, but it’s time to start thinking about the end, fiscally speaking, if you’re a small business owner. Most companies follow the general calendar and use December 31 to mark the end of a fiscal year. But many small businesses – plus nearly 25% of the S&P Read more >

Cybersecurity Best Practices for Small Businesses

The impact of the Equifax data breach that compromised the personal data of over 145 million individuals has left many confused, frustrated and downright angry. And while massive attacks on large corporations make headlines, small businesses have just as much, if not more, at stake. According to data analyzed in a report by Hiscox, an insurance Read more >

5 Numbers Every Business Owner Needs to Know by Heart

Numbers dance around business owners’ heads all night long. How much do I need to make payroll this month? When will I run out of inventory this month? What will my tax bill be when April hits?   It’s no surprise that keeping track of those ever-changing numbers is a job unto itself — small Read more >

Top Money-Saving Tips When Your Income Is Inconsistent

Saving money is understandably a top financial goal, but it also may be a goal that you struggle with regularly. While saving money is a challenge for many people, having a small business owner’s income structure may make this task even more difficult for you. When you read through common money-saving tips, you inevitably find tips Read more >

How to Wring the Most Business Value From a Personal Loan

When it comes to starting your business, not all credit is created equal. A recent study found that companies that borrow under the business name have higher revenues and longer survival rates than those that take out debt in the name of the business owner. But using personal credit to fund your business is not 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.