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Whether you've been reading since our first newsletter in 2023 or this is your first edition, we hope this has been beneficial. Share it with a friend or reply with any feedback.
If you need help with your ecommerce accounting, sales tax, inventory management, CFO, or other accounting related issues, let us know. |
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1. [READ] Ecommerce Lending Options |
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With the holiday season upon us, here is an article on lending options with some extensive resources at the end:
- Bank Loans (6.6%–11.5%): Lowest cost funding, but requires collateral, personal guarantees, and strong financials to qualify.
- SBA Loans (10%–15%): Government-backed with favorable terms, but involve lengthy applications, paperwork, and personal guarantees.
- Lines of Credit (10%–99%): Flexible borrowing for inventory, but rates vary widely and can quickly become expensive.
- Term Loans (12%–30%): Mid-term financing with set repayment schedules, requiring clean books and good margins for approval.
- Merchant Cash Advances (40%–350%): Fast approval and easy access, but fees hide extremely high effective borrowing costs.
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If you’ve sold into Illinois and haven’t registered or filed sales tax, the state is giving you a rare chance to fix it with no penalties, no interest, and no legal headaches.
- Who qualifies for Illinois’ 2025 tax amnesty program
- What sales tax periods are covered
- What happens if you ignore it
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3. [READ] ChatGPT is now 20% of Walmart’s referral traffic |
- Walmart gets 20% of referral clicks from ChatGPT; Target 15%, Etsy 20%, eBay 10%.
- 2% of ChatGPT queries are shopping-related or ~50M daily shopping prompts.
- Amazon blocks AI crawlers, protecting $56B ad biz, instead betting on its own bot Rufus.
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[READ] How much and why premiums are going up for small businesses in 2026 |
- Median small group premium increase is 11% with some insurers increasing premiums as high as 32%.
- Drivers: rising healthcare costs (~9% medical trend), high-cost drugs, inflation, and labor shortages.
- Enrollment shrinking ~10% in 2026; healthier groups moving to cheaper self-funded or large-group plans.
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Reply to this email and let us know. 😊 |
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You Don't Want to Do Your Accounting... But We Do! |
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Here's how we can help: |
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