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Financial Solutions

Financial product and service reviews to fund a new business, or grow your existing operation.

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Article
Why SBA Loans Differ From Conventional Loans
By Donna Fuscaldo | April 21, 2021

Small businesses that may not qualify for a standard loan from a bank or alternative lender may want to look to the Small Business Administration for help.

Review
Merchant One
By Jamie Johnson | April 12, 2021

Merchant One offers processing solutions for small businesses that accept card payments in-store, online, on the go, or by mail and phone order. It approves a high percentage of applicants, can set...

Review
National Processing
By Donna Fuscaldo | April 12, 2021

National Processing is the best credit card processor for low transaction rates because of its low interchange-plus rates and rate-lock guarantee.

Review
ProMerchant
By Jamie Johnson | April 12, 2021

ProMerchant is a credit card processor that offers transparent interchange plus rates and multiple pricing plans. If your business is considered "high risk," such as a check-cashing service, or your...

Review
Clover
By Donna Fuscaldo | April 09, 2021

Clover is an advanced POS system for businesses that require highly customizable software. You can start with the basic features, then add apps for advanced capabilities such as staff scheduling,...

Review
Payment Depot
By Donna Fuscaldo | April 09, 2021

Like other top processing companies, Payment Depot uses interchange-plus pricing, but it's membership-based, so there's no percentage markup, just a per-transaction fee and a monthly membership fee....

Review
Flagship Merchant Services
By Donna Fuscaldo | April 08, 2021

Flagship Merchant Services is our pick for the credit card processor with the best flexible terms, because it offers customers month-to-month service with no early termination fee.

Review
Square
By Donna Fuscaldo | April 08, 2021

Square is the best overall credit card reader because it is easy to use, packed with features, and usable as an iPad or Android POS system.

Review
Clover
By Jamie Johnson | April 01, 2021

Clover offers a range of hardware options that outshine the competition and give businesses flexibility in customizing a POS system that works for them.

Review
Lightspeed
By Skye Schooley | April 01, 2021

Lightspeed is the best iPad POS system because its pricing is competitive, the system is fully mobile, and you have a choice of integrated payment processors.

Review
Upserve
By Jamie Johnson | April 01, 2021

Upserve is a strong choice for restaurants that want full reports on their data, competitive pricing and excellent customer support.

Review
Epos Now
By Skye Schooley | April 01, 2021

Epos Now is the best all-in-one POS system for small businesses because it is affordable, versatile and adapts to your business.

Review
Toast
By Jamie Johnson | April 01, 2021

Toast works equally well for a small restaurant that's just getting started and a large chain looking to service multiple sites. It has also done a great job of pivoting in the midst of the pandemic,...

Review
TouchBistro
By Skye Schooley | April 01, 2021

TouchBistro is the best POS system for the food service industry, with key features for restaurants, cafes, food trucks, pubs and more.

Review
Paychex
By Laura Handrick | March 31, 2021

Paychex is an especially good payroll service for large businesses. It serves businesses with up to 1,000 employees, handles all payroll and payroll tax responsibilities, is available in multiple...

Review
Intuit QuickBooks Payroll
By Chad Brooks | March 31, 2021

QuickBooks Payroll is our favorite payroll service for small businesses. Its three pricing plans allow your service package to grow along with your business.

Review
ADP
By Laura Handrick | March 31, 2021

ADP offers payroll services for businesses of all sizes. While the size of your business will determine the platform you use, each offers the same core payroll services, including the ability to run...

Review
OnPay
By Chad Brooks | March 31, 2021

We recommend OnPay as the best payroll service for very small businesses. The service handles all payroll tax responsibilities, plus it offers employers unlimited pay runs and multiple ways to pay...

Review
Gusto Payroll Software
By Chad Brooks | March 31, 2021

Gusto's month-to-month pricing plans and comprehensive features earn it our best pick for sole proprietors and S-corps that use contractors or freelancers.

Review
Sage
By Sean Peek | March 23, 2021

Sage Business Cloud Accounting is our choice as the best accounting software for freelancers and the self-employed because it is affordable and simple to set up and use.

Review
FreshBooks Accounting Software
By Donna Fuscaldo | March 23, 2021

FreshBooks is our pick for the best small business invoicing software application for its ease of use, advanced features and competitive pricing.

Review
Intuit QuickBooks Online
By Donna Fuscaldo | March 23, 2021

Quickbooks Online is our favorite accounting software for small businesses because it can grow with your business.

Review
Zoho Books
By Donna Fuscaldo | March 23, 2021

Zoho Books is the best accounting software for freelancers, sole proprietors, consultants, artists and home-businesses.

Review
Oracle NetSuite
By Nicole Fallon | March 23, 2021

Oracle NetSuite is a popular cloud-based ERP that offers a comprehensive suite of integrated business management solutions. Capabilities include accounting, CRM, e-commerce, inventory, payments,...

Review
Xero
By Donna Fuscaldo | March 23, 2021

As your business grows, it's important to have accounting software that supports and adapts to those changes. Xero's prices and plans accommodate a company's progression, which is important for small...

Review
Wave Financial
By Simone R. Johnson | March 23, 2021

Wave is free, cloud-based accounting software that is viable for freelancers and businesses with fewer than 10 employees.

Article
Should You Hire a Debt Collection Attorney for Your Business?
By Max Freedman | March 22, 2021

Depending on your needs, you may be best served by hiring a debt collection attorney to recover outstanding debts.

Article
How to Write a Debt Collection Letter
By Max Freedman | March 18, 2021

This guide includes information about how to write a debt collection letter and pursue outstanding invoices from nonpaying clients.

Article
How to Choose a Business Debt Consolidation Loan
By Donna Fuscaldo | March 08, 2021

Consolidating business debt can simplify your monthly payments and lower your interest rate.