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The Truth About Business Credit Cards

It’s no secret that when you are starting a small business, your personal and business finances quickly become intertwined. One area of common confusion is business credit cards. How are they different? Do they have the same protections? How will they affect your personal credit? How do you choose one? In this blog post, we Read more >

Financing Your Business? Consider an SBA Loan

By Tom Pretty, Head of SBA Lending of TD Bank   Small business is the backbone of the U.S. economy, with nearly 29 million operating around the country, according to the U.S. Small Business Administration (SBA) Office of Advocacy. For these enterprises, securing funding can impact their ability to operate and grow, yet most small Read more >

Retirement Planning for Small Business Owners

Small business owners are in a unique position when it comes to planning for retirement because, as their own boss, they will not have a 401(k) or pension option from an employer planning retirement on their behalf. With a number of different plan options (the SEP IRA, the Self-Employed 401(k), Simple IRA, the Simple 401(k), Read more >

Running Low on Cash? Rev up Business Revenue with These 4 Tips

By Jay DesMarteau, Head of Commercial Specialty Segments at TD Bank, America’s Most Convenient Bank®   Small business owners typically start a business because they have a specific passion or want to be their own boss. This vision is just the start of entrepreneurship; the hard task is to generate a profit over time.   Read more >

5 Steps to Prepare for Getting a Small Business Loan

Step 1: Review Credit Pull and review your credit report from all three credit reporting agencies (Transunion, Experian, and Equifax). It’s free at, but in order to get your FICO score you’ll have to pay a small fee. First, determine if there are any errors and get them fixed promptly. It’s important to take Read more >

Start Up Business Loans: Pros and Cons

Do you want to be your own boss and enter the world of entrepreneurs, but not sure where to start? Is a small business start-up loan right for you? Who may or may not qualify? Is it the right source of funding for you and your business? What is it? A start up business loan Read more >

Top Hidden Costs of Running a Business

Owning a business comes with an endless stream of expenses such as inventory and office rent. But operating a company may also include items you never considered as potential or necessary costs. Although 80 percent of small business owners in TD Bank’s 2017 Small Business Month Survey expressed confidence in managing their businesses’ finances, these Read more >

How to Start Managing Small Business Finances

Starting a small business is an exciting, yet daunting process. You’ve decided to venture out on your own and may not be entirely versed on how to manage business expenses. And that’s okay. Tackling all that comes with a small business takes a lot of work, so it’s essential to get organized right away. From Read more >

When Can a Small Business Owner Afford to Retire?

To estimate when you can afford to retire there are several factors you will have to consider. Your age, life expectancy, current retirement investments and the lifestyle you expect to have once you retire will impact how much you need to set aside.   We recommend discussing this with a professional investment advisor. In the Read more >

How to Let the World Know You’re Open for Business

Small but Loud Being a small business, let alone a new business, can feel a bit lonely as you build a client base. No matter how great your concept or how valuable your service or product, you need to get the word out to build a following. Whether you can afford to advertise or plan 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.