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Finance | David Knoble, CPA, PLLC

David Knoble, CPA, PLLC

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Helpful Links

These links will help you nav­i­gate to other web resources for your orga­ni­za­tion, busi­ness or family.

Small Business Recession Review and Guide

Dur­ing an eco­nomic down­turn small busi­nesses must tighten up to sur­vive.  How­ever, there are many changes that a small busi­ness can make to their val­ues and daily oper­a­tions that will assist them in a down­turn.  Quick­Books in the UK pub­lished a 23 page dis­cus­sion on the state of the UK econ­omy and very spe­cific tar­gets for small busi­ness.  This guide is well worth the read, even for US com­pa­nies.  » Read more about Small Busi­ness Reces­sion Review and Guide »

© 2009, david.knoble
by David Kno­ble, CPA, PLLC
Serv­ing Non-Profits, Busi­nesses & Indi­vid­u­als
Rock Hill, SC

Obtaining the First Business Loan

Obtain­ing financ­ing for busi­ness is more dif­fi­cult than ever.  This is espe­cially true for a new busi­ness.  Most banks will want to see a busi­ness plan and finan­cial state­ments.  How­ever, they will also want more.  » Read more about Obtain­ing the First Busi­ness Loan »

© 2009, david.knoble
by David Kno­ble, CPA, PLLC
Serv­ing Non-Profits, Busi­nesses & Indi­vid­u­als
Rock Hill, SC

Keeping the Helm On Course

As an entre­pre­neur, you daily wear more hats than the aver­age per­son does in a life­time.  If you are suc­cess­ful, then you can jug­gle the dif­fer­ent direc­tions and still main­tain the course for your com­pany.  You also know the value of a good team to help you keep that course.

Unfor­tu­nately, many small busi­nesses suf­fer in one area, no mat­ter how suc­cess­ful they are.  » Read more about Keep­ing the Helm On Course »

© 2009, david.knoble
by David Kno­ble, CPA, PLLC
Serv­ing Non-Profits, Busi­nesses & Indi­vid­u­als
Rock Hill, SC

What are Cash Investments?

You buck­led down when this reces­sion started and you kept sav­ing cash.  You know cash is king.  For­tu­nately, you are now build­ing up a lit­tle cash.  The finan­cial gurus know that you are build­ing up a lit­tle cash and they are after it with gnash­ing teeth.  The stock­bro­kers are hurt­ing just like the rest of us and they make there liv­ing from com­mis­sions on the sale of invest­ments.  What do you do when they are your long time busi­ness advi­sors and they con­tact you with an oppor­tu­nity to buy in the mar­ket at an all time low?  » Read more about What are Cash Investments? »

© 2009, david.knoble
by David Kno­ble, CPA, PLLC
Serv­ing Non-Profits, Busi­nesses & Indi­vid­u­als
Rock Hill, SC

the Working Capital Squeeze

I was review­ing an arti­cle in CFO mag­a­zine titled Cus­tomers Bank­ing on Your Work­ing Cap­i­tal when it struck me how many small busi­ness own­ers rely on cus­tomers pay­ments to make pay­roll.  Work­ing Cap­i­tal is defined as cur­rent assets minus cur­rent lia­bil­i­ties — it refers to what you have to pay what you owe in the short term.  The prob­lem ocurrs when your cash is less than your payables and pay­roll even if you have enough receiv­ables to make up the dif­fer­ence.   So, what do you do?  » Read more about the Work­ing Cap­i­tal Squeeze »

© 2009, david.knoble
by David Kno­ble, CPA, PLLC
Serv­ing Non-Profits, Busi­nesses & Indi­vid­u­als
Rock Hill, SC

How to Earn a Banker’s Trust

There are many ways to earn the trust of your banker.  There are also very few peo­ple that you need to trust you more than your banker.  There was a great arti­cle posted by CFO mag­a­zine titled The Key to Banker’s Hearts.  CFO, Ron Box, tells his expe­ri­ences with a $28 mil­lion dol­lar con­struc­tion … → Read More: How to Earn a Banker’s Trust