Factoring to Leverage Client Invoices

How Subcontractors Can Leverage Client Invoices

07:47 17 March in Blog, Business Funding

As a subcontractor, you are typically waiting to be paid until other people finish a specific task on a project. This can cause painful delays in getting invoices paid, making meeting your accounts payable obligations difficult. However, you may be able to leverage client invoices by taking advantage of factoring.

Subcontractors often face challenges taking on large jobs because they lack the needed capital to purchase materials. This can be a significant issue as this challenge can stifle growth. However, if you are working with a contractor who has a bond in place to secure the completion of the project, you could leverage client invoices.

Cash Flow Improvement by Factoring Client Invoices

One of the challenges many subcontractors face when they are bidding on jobs is having the cash available to secure the materials necessary. This can be problematic when you are trying to grow your company by bidding on larger jobs. Because banks and other financial institutions are reluctant to make loans to a subcontractor, you may not know where to turn. Factoring client invoices can be the right solution.

When you secure a job, your contractor likely had to place a deposit and a bond with their client. The result is the contractor is guaranteeing completion of the project, as well as guaranteeing payment for your portion of the work. You can leverage this by using spot factoring — selling your invoice to a factoring company.

Selling Invoices One at a Time

Common concerns about factoring include the possibility of forfeiting your right to pick and choose which invoices you factor. However, when you work with Capstone, we allow you to make the decision whether you factor a single invoice or multiple invoices. We will spend the time needed to understand what your goals are, how much cash you need to bid on the next contract and design a financing package that helps you reach your goals.

The goal at Capstone is to help you accomplish your business goals by making sure you have the cash flow you need. Contact one of our highly trained representatives today at (212) 755-3636 or via email at [email protected] and let us answer your questions about how our products can help your business.

invoice factoring partner

How Brokers Can Identify the Right Invoice Factoring Partner

07:19 13 March in Blog, Broker Resources

As a financial services broker, identifying the right partners is essential. Too often, brokers offer leads to providers of financing and find themselves on the outside looking in. Therefore, identifying capable and trustworthy invoice factoring partners early in your career is essential.

Most brokers are looking for an ongoing relationship that does not cost them future revenue; exceptional communication between the funding company and themselves; training when needed; and tools to help them maximize their business potential.

This model holds regardless of the amount of business the broker is referring and which products they need to meet the needs of their clients. That is why for years, brokers have learned to rely on Capstone.

Capstone Values Broker Relationships

If your business focuses on small companies and embraces minority-owned firms, you need a trusted partner. Your clients’ needs come before anything. You often seek opportunities to provide them with unique methods of obtaining the cash they need to keep their business functioning. Some of the ways Capstone demonstrates their commitment to broker relationships include:

  • Custom packages for your clients – every customer has unique needs and we will work with you and with your client to make sure we offer them a package that meets those needs.
  • Local services – regardless of where your client is located, we can help.
  • Regular commission checks – if we are doing business with your customer, you will get a regular commission check from us.
  • Training – you need never worry about any uncertainty with our products. We provide you with training, educational materials, and brochures, so you know which products you can safely offer.

If you are looking for a partner you can trust to help you grow your business by assisting your customers, today is the day to reach out to Capstone. Contact Capstone Capital Group today at (212) 755-3636 and see how we can enable you the opportunity to grow your own business while providing your clients with the financing they need to grow their businesses.

Leverage Client Credit for Cash Flow

Leverage Client Credit to Maximize Cash Flow

07:59 04 February in Blog, Business Funding

Businesses often face significant financial challenges. Startup costs, hiring employees, use of contractors, and expenses with growth can quickly mount. As a result, companies often have a lower than expected credit rating. They may find it challenging accessing new lines of credit, despite meeting all of their financial obligations. Did you know you can use client credit to improve cash flow?

The lack of ability of a business owner to secure new lines of credit can cripple a company. Not only will it face obstacles to growth. It can often mean they will be unable to bid on more lucrative contracts. They simply lack the financial backing to fulfill the initial terms of the agreement. Additionally, businesses with little savings and staggered cash flow often miss out on opportunities presented by vendors to take advantage of lower costs of credit by paying their outstanding invoices at a discount with early payment.

A business with poor cash flow may not even be able to complete the projects or contracts they have taken on. When this occurs, it destroys the reputation of the business and future business opportunities diminish quickly.

Each of these circumstances can lead to additional cash flow problems and can keep a business from growing. They create situations where a company is only meeting its current financial obligations to employees, vendors, and clients. This is the time when business owners should consider the potential of leveraging their clients’ creditworthiness.

Maximize Cash Flow Without Negative Credit Implications

Leverage matters in business. Whether you are negotiating a contract, working with a contractor, or finding a consultant, the more information you have at your disposal, the better your opportunities for successful negotiations. Leverage also works when you are considering your financing options.

Some company owners fail to realize they can leverage their clients’ credit standing to help improve their own credit. This maximizes their cash flow and avoids incurring additional debt. Specifically, a company has the option to take their client invoices and turn those invoices into immediate cash. However, it is also possible to use the creditworthiness of a client to help improve other forms of financing. This includes obtaining lines of credit.

Lines of Credit and Strength of Leverage

Larger contracts that are not supported by your balance sheet may necessitate a line of credit. Bringing on additional investors can dilute your portion of ownership. Rather, you can apply for a line of credit based on the creditworthiness of the contract which you agree to. This means the stronger your client, the more likely you are to gain approval. For example, some small and disadvantaged businesses may have access to lucrative government contracts. However, because of the size of the business, they may not have a balance sheet that proves they can meet the terms of the agreement. Leveraging the strength of the contract of the U.S. government can provide access to lines of credit or other financing options.

This type of leverage does not just apply to those who are eligible for government financing. Staffing agencies, construction companies, and other firms that have contracts with top companies have an opportunity to use those contracts to increase their cash flow immediately. This is where Capstone comes in.

At Capstone Capital Group, LLC we understand the struggles company owners can face when trying to grow their business. A vicious circle begins nearly immediately. You need capital to meet your day-to-day obligations, but you also need access to capital to help facilitate that growth.

Capstone takes your growth seriously. Our representatives are well-versed in various markets, and we take the time to understand your company goals. Once we have a complete understanding of your goals, we can help put a custom financing package together. One which fully leverages the creditworthiness of your clients and helps put you on a path to continued company growth. To learn more about Capstone and the programs we offer, contact us at (212) 755-3636.

You can also email [email protected]. Let us help you find the right financing program to meet your needs, including improving your cash flow.

Purchase Order Funding

Fund Large Orders with PO Financing

07:59 28 January in Blog, Business Funding

Nearly all companies, regardless of size, want to grow their business. Accepting orders can help you grow your business. However, if you lack the capital to fulfill the order, this can be problematic. At a minimum, large orders require an expenditure of capital to purchase supplies. Large orders may require a business to hire new staff members or purchase equipment, often an issue. What many business owners overlook is the potential to access the capital they need through purchase order financing.

What is Purchase Order Financing?

Purchase order financing or funding is a commercial loan option that some businesses turn to for necessary capital while growing. Generally, this type of financing is considered short-term and does not have a negative impact on the balance sheet of a company.

Companies typically use purchase order funding in specific business categories including:

• Distribution Businesses
• Import and Export Businesses
• Manufacturing Businesses
• Wholesale and Reseller Businesses

Other businesses may overlook PO financing, including concrete, landscaping, HVAC, and plumbing contractors that may be eligible. Staffing agencies may also find that the new purchase order they are considering is eligible for PO funding. Anyone who is considering providing any type of deliverable, with a pay period of 60 to 90 days, may have the option of using PO funding.

The basis for this type of innovative financing is that once a business has a qualified purchase order, it can borrow money against the terms of the PO. It can then use those funds to provide upfront payments to suppliers, ramp up production schedules, or meet other financial needs.

Advantages of PO Financing

Business owners who are interested in growth must be able to bid on larger orders and have the means of fulfilling those orders. PO funding means a company can get the working capital it needs to support increased sales efforts. This increases product availability and provides more favorable credit terms to its customers.

Another distinct advantage of having the ability to borrow money against a large purchase order is you can more effectively compete with other businesses in the same field, regardless of size. For small businesses that are seeking ways to “stand out” from the competition, the ability to bid on large orders can make a big difference.

Effectiveness of Purchase Order Financing

Too often, a small but growing business lacks the necessary capital to take on large orders because it does not have the required cash flow to meet the customer’s terms. This can stifle growth. Unfortunately, these same businesses may not have access to lines of credit or have the ability to borrow money through their bank.

Purchase order funding allows a company to take on a larger contract because it does not have to borrow money. Instead, it is getting the financial benefits of the new agreement.

Time from Application to Funding POs

Unlike traditional bank loans, companies can obtain purchase order financing in a relatively short period of time. Capstone’s process for PO funding means your request could be approved in just a few business days. Once approved, the time to wait for financing could be as little as three business days. This is a far different timetable than banks where funding your loan application could take weeks or months.

As a small or mid-sized business, you often do not have the required capital on hand. You don’t always have access to the capital you need to bid on larger contracts or to take on large orders. Because of this lack of funding, you could lose your competitive edge. Rather than bypassing growth opportunities, contact Capstone by email at [email protected] or call us at (212) 755-3636. Let us help you take advantage of larger orders, which can help you accelerate your company growth.

Business Broker Benefits

Why Working With a Business Broker to Sell your Business Matters

08:09 23 January in Blog

When the owner or owners of a company are considering selling, they often believe the best method is to work on securing a buyer on their own. However, in nearly all cases, using a broker to sell your business is the better option. There are several advantages to working with a reputable business broker, some of which include:

Matters of Confidentiality — One of the challenges you will face is keeping your company information confidential during the sales process. Confidentiality includes maintaining corporate insider information which, if released publicly, can damage your company’s future. Business brokers will typically only release information about your company to those whom they know are financially able to purchase your business. Additionally, a business broker can keep the name of your company from potential purchasers, which helps protect owners.
Maintaining Internal Focus – The last thing you want is to have a potential sale disrupt internal processes. The focus of you and your team should always be continuing to provide the highest quality service to your customers. Should you be distracted by continually having to follow up with potential buyers, business growth takes a back seat.
Contacts Matter When Selling – Chances are your network of other business ventures who are interested in buying another company is limited. However, business brokers act as intermediaries for numerous businesses that have other contacts. Since a business broker is always acting as an intermediary, they likely have a more extensive contact base. This means your proposal will get in front of more people in less time than if you were attempting to sell on your own.
Price Tags: Business Valuations – Let’s face it, we work hard to establish a robust business, yet we typically do not know its real value. We understand what we have in terms of business, inventory, and goodwill. Putting a price tag on a company is a different matter. Business brokers offer a level of expertise that we often do not possess on our own. They can evaluate a business accurately based upon applicable variables considering the industry, sales, and age of the company. Other variables may include a client base and other relevant information that make a business appealing.
Closing and Transition – One of the concerns any business owner has when selling a business is the potential for disruption after finding a buyer. Business brokers have extensive experience assisting in the timely closing of a business sale. They also ensure a smooth transfer of ownership with little disruption to supply chains, employees, and clients.

Finding the Right Broker Also Matters

Keep in mind, not every business broker will be able to help you with your quest to identify another buyer. You will want to find a business broker with experience in your industry and who has worked with comparably sized companies. Experience, expertise, and ethics all matter as well. Make sure your business broker has a solid reputation within the industry before you agree to any contracts.

Buyers and sellers often do not understand the marketplace nor the processes necessary for a successful business sale or purchase. Working with a broker to sell your business provides you with the necessary skills and expertise. It enables you to continue to work hard to develop your company. It is critical to maintain a focus on growth and the future, which can only improve the value. You do not want to lose focus on your business while you are attempting to sell and jeopardize its value.

Maintaining a steady cash flow, staying current on your financial obligations, and growth during the sales process are essential. Capstone Capital Group can help you retain the cash flow you need during this critical period. For more information on Capstone, please call us at (212) 755-3636 to speak with a representative about spot factoring, and other financing programs, which can help you maintain the value of your company during this crucial time.

music royalty funding

Musicians and Songwriters: Access to Royalties Faster Through Factoring

09:46 29 October in Blog

Musicians and songwriters often depend on their income derived from royalty payments to cover living expenses. The problem with royalty income is the time between knowing what royalties are due and receiving the actual payment. The span of time between notification of royalties due and receipt of payment can be as long as 90 days.

Even after this initial waiting period, collecting ongoing royalty payments involve substantial waiting periods since artists often work with some who pay quarterly, others pay twice a year, and still others pay annually. This is problematic because let’s face it, while waiting for your royalty payments, your bills are not going to stop arriving and your due dates are unlikely to change.

Improving Your Bottom Line

One of the options you have available is selling off your intellectual property for an upfront lump-sum payment against your future royalties. The problem with this is once you do that, you often lose the rights to the underlying song(s). Some of these transactions involve turning over all the rights you have to future royalties. Imagine losing future income for the potential of getting cash today to pay taxes, your mortgage, or to help make sure your child’s tuition is paid for.


What Capstone Does Different

No one knows better than you when your royalty payments can be expected. However, if you do not want to wait for months to collect on those payments, you are probably looking for options. Capstone offers an option we are sure you can live with. Here’s what we can do for you that others may not be willing to do:

  • You retain the rights to your music
  • You decide which royalties you want to use as collateral for cash advances
  • You get cash against your royalties in as little as a week from an application being approved
  • After the first transaction, you can use your royalties as often or as little as you choose and funding can occur within 24 to 48 hours of your request.

You might be wondering how any of this is possible. That’s because at Capstone, we have built our company on serving those industries that banks can no longer service due to regulatory changes.  If you are in one of those industries you may have few options to access the working capital you need.

Never Again Worry About Cash Flow

We know that when cash is a problem you are often forced to borrow from friends, family, or take out loans with onerous interest rates just to make ends meet. Our goal has always been to make sure we are offering services to those who might not find a bank is their best option for getting immediate cash.

At Capstone, we help those who need immediate cash flow for paying taxes and other bills. We will work with you to leverage the royalties you are anticipating in a way that is most feasible for your needs and you always retain complete control over the process.

Whether you need to fulfill a one-time need, or you are looking for a long-term cash flow based on your royalties, Capstone can help. We will take the time to understand your goals and your needs and help put a plan in place that helps you fulfill them. No more worrying about whether you can meet your next month’s financial needs, no more guessing whether a royalty check will arrive in time to pay the next tax bill, and no risk of losing your intellectual property rights.

Capstone is here to help! Learn more about our innovative way to obtain instant cash flow for royalties factoring for musicians. We can help you ease your cash flow concerns today. Contact us at (212) 755-3636, or fill out our online contact form. Let us show you how simple this process can be and help you get access today for the royalties you have worked so hard to develop.

business finance broker investing

Business Tips: Invest in Brokers

09:38 14 October in Blog, Broker Resources, Business Funding

Some finance companies prefer to work directly with clients and avoid working with brokers. Capstone takes a different approach to dealing with brokers, we invest in their success. There are practical business reasons to taking this approach with a financial broker including the opportunity to develop a long-lasting relationship.

Why Brokers Matter to a Finance Company

The most effective marketing program will not reach every person who could use the type of financing you are offering. Simply stated, working with brokers makes sense for every financial institution since it grows their potential market. Brokers can direct the clients who best fit your market directly to you and making sure they are well-educated in your products and processes makes good business sense.

Investing in Brokers Makes Business Sense

New clients help you grow your business. Reaching out to financial brokers is a plus because many businesses use brokers to help them find necessary business services. If you take the time to train the brokers about your processes including how you review applications, what financial criteria you use to determine eligibility, and the types of businesses you typically fund, you will spend less time on new applicants. This allows you to continue growing and targeting those businesses you are most likely able to help.

Relationship Building and Financing

Before a company feels confident dealing with a new financing method or financing company, they must feel comfortable with the people they are dealing with. In many cases, a company will have been working with financial brokers on an ongoing basis to deal with a broad range of financing needs. Given they have an established relationship, clients are more likely to feel confident about going to a new source of funds when the broker has an existing relationship with them.

How to Invest in Brokers

Investing in brokers is about education more than money. While every finance company should agree to basic principles such as ongoing fees to brokers if their client remains an active borrower, there are other ways to invest in these relationships. At Capstone, we are committed to our relationship with every broker and because of that, we offer the following to every broker we deal with:

  • Training – we believe a well-trained broker can grow their own business, their client’s business, and our business. That’s why we spend time training each broker on the products and services we offer.
  • Educational Materials– we make sure each broker we work with has the educational material they need to inform themselves, as well as their clients about the range of products we offer.
  • Brochures – while word of mouth advertising is always the most direct, we also understand having high-quality printed materials available for customers is sometimes a necessity. Our brochures are available to every broker who wants them to share with new brokers or with their clients.

Once a broker has started working with Capstone, they get a monthly accounting of all activity from their clients. We believe this type of transparency is important as it helps us develop strong relationships across our broker base. Additionally, we put no caps on a broker’s earning capacity: As long as their customer uses a Capstone product, the broker receives a commission on every dollar we finance. We believe this is a winning solution for us, for clients and for the brokers who represent those clients.

Capstone Group has a variety of programs designed to help brokers succeed because we believe brokers help their clients succeed. A successful broker helps raise the viability of their clients, and we believe our relationship with brokers is one of the reasons why we have continued to be able to supply customized solutions to small and mid-sized businesses across the United States.

Invoice Factoring in a Growing Economy

16:56 30 July in Blog

Currently, the U. S. economic outlook is good, and the business community is optimistic that it will continue to grow. This news is great for all types of industries but there are still several hurdles small and mid-sized business owners face with financing. Bank loans are easier to get than they have been for the last few years, but business owners still face long wait times, restrictions on use of the funds they borrow, and the added burden of taking on debt.

Regardless of the type of business you operate, you  need to have enough cash flow to allow you meet regular financial obligations including payroll, equipment and supply purchases, and paying suppliers. Business owners in all fields are still looking for ways to cut costs and one way to do this is to take advantage of their ability to pay suppliers earlier and take advantage of discounts offered. None of these works well if a company does not have enough cash flow. Meeting the challenges of these companies means addressing their needs without forcing them into taking on additional debt or giving up part of their company in return for cash.

Challenges Facing Small and Mid-Sized Businesses

While the current economic outlook is positive, there are still businesses who are recovering from the downturn in the economy. Chances are, all business owners have one, or more, customers who are still in recovery mode and are forced to pay their invoices at the last possible moment. This means businesses are waiting longer to get paid after issuing invoices which can lead to cash-flow problems.

Even though banks have become more “forgiving” about past issues with credit, there are still barriers business owners face when dealing with bank loans or lines of credit. Oftentimes, a bank loan can take several weeks or a couple of months to be approved. This means you are draining cash resources to meet ordinary expenses including rent, salaries for employees, payroll taxes, and more. Additionally, many business owners remain ineligible for standard lines of credit from banks thanks to restrictions on how they work. Even when a business has an open line of credit, there may be conditions attached to withdrawals which make it difficult for a business owner to use the funds as they deem appropriate. Banks often have specific language in their contracts which restrict how funds may be used whether it is funding from a loan, or for a line of credit.

Using Future Revenue for Cash Flow Today

Once you have issued an invoice for a completed order, services you have delivered, or for a job you have completed, you are playing a waiting game. You could get payment in as little as 15 days, or you may have to wait as long as 60 to 90 days. During this time, you still have financial obligations to meet, and may need cash to purchase materials to complete the next job. This is where invoice factoring comes in. You issue an invoice, and in as little as two business days, you could have a portion of the invoice immediately available in cash.

Invoice factoring allows small and mid-sized business owners to grow their businesses without the burden of taking on debt. Capstone has been able to offer a broad range of unique financing solutions to business owners who need working capital but are not interested in taking on additional debt, or who may not be eligible for bank loans or lines of credit. Contact a team member at Capstone today by email at [email protected] or call 347-410-9697 and speak with us regarding our unique financing opportunities and let us help you get the cash you need without taking on additional debt.

Meeting Financing Challenges Faced by Contractors

10:33 11 July in Blog

Contractors face unique challenges maintaining working capital and securing adequate financing. This is because of the unique business model under which most contractors operate. Typically, a construction contract involves a builder or developer who has an underlying loan. The loan terms generally involve the builder or developer drawing down funds as the project progresses.

This means the contractor is incurring costs before they receive any funds from the project. Additionally, once the contractor has completed a specific portion of the project, they still have to wait for funding to be paid to them from the builder or developer. Contractor costs begin the minute they deploy labor, hire a sub-contractor or secure materials to work on a project.

Banking Lines of Credit Often Elusive

For many contractors, securing a line of credit can be a real challenge. The reasons for this are numerous including the fact many construction projects last for several months or years meaning the contractor may be using their limited amount of working capital while working on a project month after month. These types of working capital drains do not allow a contractor to work on multiple projects at the same time and build up a backlog of work and successfully complete the existing contract on time and on budget bode well for a contractor who needs to secure capital to continue a project.   Most contractors have full-time staff members, equipment costs, and supply costs to contend with on a regular basis. This presents some unique financial challenges when they are involved in a labor-intensive job with payment coming later.

Cash Flow Issues Plague Contractors

When a contractor has numerous projects at the same time, working capital gets stretched thin. While they are paying their employees, covering normal operating costs, and purchasing supplies, they could be waiting 30 to 75 days after the completed the work 30 days earlier in the prior month.  Should their working capital cash flow be insufficient to meet their obligations, they could be facing additional challenges meeting payroll or securing materials to fulfill their contracts. This is one of the primary reasons why many contractors use spot invoice factoring to meet their cash flow needs during projects.

Spot Invoice Factoring Offers Relief

One of the options contractors have when trying to address their cash flow needs is spot invoice factoring. This process allows a contractor to obtain working capital within a day or two of issuing an invoice versus waiting 30 to 75 days until the builder or developer pays their invoice. This process allows a contractor to meet their financial obligations, purchase materials, and continue working on multiple projects while they are waiting for invoices to be paid.

Construction Financing for General Contractors

Another option available to contractors is factoring for the contract period. By executing a Master Purchase and Sale Agreement with Capstone, you can gain working capital multiple contracts covering several projects at a time ensuring that each subcontractor and material men are paid in a timely manner.  Bringing jobs in on time and on budget will make sure that you are able to negotiate the next contract with the project owner versus bidding against other contractors. Capstone understands you must pay subcontractors to get the job done and you may have more than one project underway at a time. Additionally, you want to secure the materials you need for current projects as well as have the freedom to bid or negotiate on new contracts while you are working on existing projects.

In addition to offering spot invoice factoring, Capstone also utilizes a system designed specifically for contractors known as ClearPay.This system allows contractors to fully vet their subcontractors, put bonds in place to ensure they meet the terms of the contract, and still have access to the cash they need to complete project requirements without going into debt. Capstone offers this program because we understand the unique challenges you face as a contractor. We help make introductions to Sureties we work with if issuing bonds to project owners is required subcontractors you are working with are going to complete the job in a timely manner as per your contract.

If you are a contractor and you need help developing a funding program that works to meet your specific needs, contact Capstone by emailing us at [email protected] or call us at (212) 755-3636 and let us help you develop a funding package that helps meet your unique needs.

Industry regulation changes so far in 2019 and how you are affected

14:32 03 June in Blog

Regulations nearly always result in businesses needing additional capital to comply. The costs could be direct costs, such as an increase in minimum wage, or indirect costs, such as those costs which are associated with changing reporting or licensing requirements. Regardless of the size of your business, this means you need to find ways to increase your income or maximize your cash flow.

Online Sales Tax Law Changes

Online retailers or service providers may feel the impact of a recent Supreme Court decision passed down in South Dakota v. Wayfair, Inc., 585 U.S. As a result of this decision, more online Ecommerce sites will be required to collect sales tax based on where they are doing business. This means if you do business in multiple states, you will have to determine how that state treats sales tax to ensure you are complying. Failure to do so could result in tax problems later. Currently, 31 states have standing tax laws requiring taxation of Internet purchases and some are based on transaction counts while others are based on actual sales volume.

Changes to Affordable Care Act Mandates

Many individuals were relieved to learn they no longer would face penalties for failure to maintain a healthcare plan which was compliant with the Affordable Care Act. However, business owners should be aware this change does not apply to them. For any business employing full-time employees must make coverage available. This coverage must be full coverage as mandated in the original bill.

Impact of State Increases in Minimum Wage and Paid Leave

Employers in more than a dozen states faced increases in minimum wage as of January 1, 2019. Increases ranged from a modest 20 cents per hour to nearly $1 per hour in other states. This means all business owners should verify what they are paying current employees and understand hiring new employees means paying the higher minimum wage.

While there have been challenges to implement paid family leave on a federal level, some states have implemented changes which employers in those states should be aware of for both current, and new hires. Currently, it is widely expected other states may implement these changes which will impact business owners of all sizes.

Follow General Data Protection Regulations (GDPR) Changes

While U.S. businesses are not currently under direction to take additional steps to protect customer privacy, many tech-savvy firms are already taking steps to ensure they are doing everything possible to ensure data privacy. This is because many believe that while this is currently a regulation for U.K. businesses, there will be a push in the United States to implement these changes. These regulations should be carefully monitored by every business, and where possible, steps should be taken to get ahead of potential future legislative changes before you are mandated to implement change.

The Impact of Federal Tax Policy Reform

There have been mixed reports about how the changes in federal tax law have impacted business owners. For example, we know most large businesses saw an increase in their bottom lines. The impact of the new tax law on small and mid-sized businesses remains a bit of a mystery, but one challenge is making sure you know how tax reform will force you to make changes in reporting, tax filing, and the impact of your deductions. Many businesses will be forced to seek assistance of a tax expert to ensure they are not missing valuable deductions or credits.

Since many new regulations only went into effect on January 1, 2019, some business owners may not feel the financial impact immediately. However, any business who is planning to hire new employees, or is impacted by changes in minimum wage may be facing immediate cash flow issues due to these changes. If you are one of the thousands of business owners nationwide who feel a cash crunch due to regulatory changes, contact Capstone today at (212) 755-3636 and let us help you identify the best options for increasing your cash flow without taking on additional debt.

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