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FINANCE TIPS

Managing Money

Managing finances

Rethink, retool, relax

Let’s face it: it’s a new “normal” for everybody, especially small business owners. From debt repayment to closed locations and displaced employees, finding your normal is going to take time. But you’ll get there, and we’re here to help. We can help you get your business incorporated so you’re protected against future disasters, show you how to reach out to customers via print, email or social media marketing, manage money with a new POS system, even build a whole new website to show the world exactly what your new normal looks like.

SERVICES SUITE

We Can Help

Articles of Dissolution

Articles of Dissolution

Whether it has run its course, you’ve chosen to pursue a new venture, or for any number of untold reasons, sometimes a small business must close its doors. Without formal termination of a corporation or LLC with the state, the owners could still be charged and held liable for fees associated with the business. We can help you create and file everything you need.

Merchant Services

Point of Sale Solutions

Clover Go mobile point-of-sale device allows you to accept payments while on-the-go.

Corporation Setup

Corporation Setup

We understand that protecting your business from another crisis is one of the many items on your to-do list right now.  To support you, we are offering a free EIN which is required to apply for a business loan, government assistance or to open a business bank account.  We are also available to help you protect your assets and save on taxes by helping you form an LLC or corporation or get your business name secured with a DBA.  Our experts are ready to help you with your business needs.

Incorporation Services

Incorporation Services

In order to apply for financial assistance for your business, an Employer Identification Number (EIN) is required. Learn how you can protect your business today for tomorrow.

Minutes & Bylaws

Minutes & Bylaws

While incorporating your business provides many benefits, it also requires some formalities that can be confusing. Our customized minutes & bylaws package includes a variety of common corporate documents drafted by our filing experts that make meeting those requirements fast and easy.

Paycheck Protection Program

SBA’s Paycheck Protection Program

If you do not qualify for the SBAs Paycheck Protection Program with your existing lender, based on their specific requirements, additional Paycheck Protection Program lending options exist. FundBox, a Deluxe partner, can help you with the application process.

Clothing Store Owner

Recovery Action Plan

Deluxe has teamed with H&R Block to help our customers navigate these challenging times. H&R Block has identified tax professionals that specialize in small business issues and they are standing by to provide you with a personalized Recovery Action Plan to help you identify specific CARES Act relief options for your business while outlining potential immediate next steps you can take.

Person sending echecks

Deluxe Payment Exchange

Formerly eChecks, Deluxe Payment Exchange is a low-cost payment solution offering all the benefits of paper checks with the added convenience and speed of an online payment system.

Businessman shopping for lockbox services

Payments - PremiumLink

Payments PremiumLink is a  unique program that allows you to pay workers comp month by month based on actuals from your payroll, instead of a front-loaded annual fee.

time and attendance

Deluxe Time and Attendance

Get better control over employee scheduling to reduce payroll fees.

Modernizing AP/AR Processing  banner

How does your payments automation stack up?

Find out how accounts payable and accounts receivable automationhas been impacted by the current environment, pain points and other drivers for Modernizing your AP/AR Processing.

Store owner

More questions? More answers

There are people out there who are just like you. They need more ways to control their cash flow in recovery mode. This is no time to take chances. The more you know the less risky your decisions will be. See what some of your fellow business owners wanted to know about cash flow, and what we advise for the days ahead.

FREQUENTLY ASKED QUESTIONS

Business Financing

How do I let customers know about new locations, new hours, etc.?

High-quality print marketing materials like postcards and banners are a great way to get your message to the masses. In fact, 82% of consumers trust print marketing more than any other media.

How can I better manage my cash flow?

Cash flow is the lifeblood of any business. How it’s managed can literally determine success or failure. At Deluxe, we have a number of payment solutions — from digital to traditional — designed to save you time and money while helping you better manage your cash flow.

How can I support customers who’d rather shop online?

To reach customers who choose to continue social-distancing, we can help you update your website to sell online with eCommerce Design. You can also quickly and easily create an eCommerce website using our self-serve, ecommerce tool. Looking for a more customized web experience? Our web design team can help with that as well.

Which business entity is the right choice for my business?

When starting a business, it’s important to know how best you can protect your assets. At MyCorporation, we can help you determine whether it’s best for you to form a corporation or an LLC. Once you find the best way to protect your assets, we’ll get you set up. 

Paying and Getting Paid

How do I switch to online payables?

We are offering Five free eChecks for any small business, so you can pay your employees or reimburse them using a virtual check that delivers instantly, without the need to touch paper or use USPS services. We can also help you moving from selling in store to selling online or taking payments while on-the-go. Clover Go is our mobile point-of-sale device that allows you to accept payments while on-the-go.

Are there any other temporary assistance programs and tax credits available for small businesses?

As an alternative to the Paycheck Protection Program, the CARES Act gives small business owners access to a payroll tax credit called the Employee Retention Credit, which serves as a wage subsidy. You can also postpone paying your income taxes and some payroll taxes, apply for an economic injury disaster loan, and even file for a tax refund if you had a net operating loss or made improvements to a retail store in 2018. Deluxe has teamed with H&R Block to help our customers navigate these challenging times. H&R Block has identified tax professionals that specialize in small business issues and they are standing by to provide you with a personalized Recovery Action Plan to help you identify specific CARES Act relief options for your business while outlining potential immediate next steps you can take.

How can I accept virtual payments?

For more robust online sales help, we can help you utilize Merchant Services provides you with the Clover hardware you need to accept payments on-the-go as you pivot from in-store to delivery sales, as well as Deluxe Payment Exchange which allows you to send digital payments to your vendors from anywhere.

What can I do to prepare to apply for financial assistance for my small business?

If you do not have your business’ articles of incorporation or the business documents necessary to complete a loan application, we can help.  Give us a call at 877-692-6772 and we can obtain the documents quickly on your behalf. An Employer Identification Number (EIN) is required to open a bank account, get a business loan, hire employees, and more.  To support you, we are offering a free EIN/Tax ID Filings for any small business. We offer a variety of Incorporation Services to help you protect your assets and save on taxes by helping you form an LLC or corporation or get your business name secured with a DBA.  Our experts are ready to help you with your business needs.

How do I apply for the SBA’s Paycheck Protection Program?

The Paycheck Protection Program is an SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.  You can apply through your existing qualified SBA lender, any SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.  Consult with your FI to see if they are participating in the program and to find out what their specific requirements are. Due to high demand lenders may have specific requirements.  Other regulated lenders will be available to make these loans as soon as they are approved and enrolled in the program.     

For more info on SBA Coronovirus Relief Options visit https://www.sba.gov/funding-programs/loans/coronavirus-relief-options

 

MANAGING MONEY

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Managing Money

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