If you have ever logged into your merchant portal and seen “funds on hold” or “payout delayed”, you know the mix of frustration and panic that follows. Sales are real. Customers are happy. Yet the money sits in someone else’s account. For small businesses in Canada, this hits cash flow hard. Rent is in Canadian […]
If you run a small business in Canada, you probably know this feeling: sales are fine, customers seem happy, yet your bank balance feels tight at the end of the month. Invoices sit unpaid. Payroll is close. You open your spreadsheet again and think, “Where did the money go?” That is the problem many AI […]
Running a business in Canada means dealing with a payment landscape that seems to evolve every few months. One day your customers are tapping their cards, the next they’re asking if you take payments through their phone or even installments. It can be a lot to keep track of. Here we break down the key […]
Canada finally moved on credit-card costs for small business. The fee cut is real. And if your processor passed it through, you should see it on statements already. If not, you can push for it. The trick is to pocket the savings without frustrating customers at checkout. Below is a clear plan. Each step ties […]
Interac will change how it charges banks and credit unions for e-Transfers on November 1, 2025. The wholesale pricing moves from volume tiers to a flat fee. Your bank decides what you pay, but this shift can affect the fees on your business account and the way you invoice. Let’s keep it simple and practical. […]
Late customer payments are more than just a minor frustration – they can choke your cash flow and stress your whole operation. In Canada, this issue is widespread. Over half of Canadian small businesses have up to $50,000 in outstanding payments owed to them. That’s money stuck in limbo, not in your bank. Late payments trigger a domino effect: […]
Bookkeeping software refers to digital tools that help businesses record and manage their financial transactions. These programs automate tasks like invoicing, expense tracking, and tax calculations. In Canada, using bookkeeping software is especially important because businesses must handle GST/HST filings, payroll tax, and other local compliance requirements. Small businesses that adopt quality bookkeeping software can […]
Debt can feel loud. Calls, emails, fees. It crowds out real work and sleep. You do not fix it by wishing. You fix it with small moves that stack. This guide is for Canadians. Self-employed, salaried, or somewhere in between. The steps below lean on current Canadian rules and programs. No fluff. Step 1: Make […]
You want lower bills and steadier cash. Me too. The trick is to work with the seasons, not fight them. Winter pushes heating and fuel costs up. Summer piles on cooling and water use. A few smart moves in each season can free real money. If you run a small business or freelance, those savings […]
Unexpected bills are stressful. A car repair, a medical charge, or even a broken appliance can throw your budget off track. In Canada, surveys show that almost 6 in 10 people would struggle to cover a $1,000 emergency with savings. That means many households face real challenges when surprise costs arrive. This guide gives you […]
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