Anna Baluch

Anna Baluch

Anna Baluch is a freelance writer from Cleveland, OH who enjoys writing about all personal finance topics. She’s particularly interested in mortgages, retirement, insurance, and investing.

Articles by Anna Baluch

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What are Factor Rates and Why Do They Matter for Your Business Loan?

Need to access cash for your business? Well, you know that when you take out a loan or use a …

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Heavy Equipment Financing & Leasing in 2020

Do you own a small business that depends on heavy equipment? Whether you’re in construction, excavation, building maintenance, food production, …

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All About Installment Credit

In a perfect world, you’d be able to start or grow a business with minimal to no cash. Unfortunately, this …

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Chargebacks and their Effect on Credit Score

At first glance, credit card chargebacks appear to be just like refunds. However, there is one very distinct difference between …

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SUTA Tax Guide: What is SUTA and Who Pays it?

As a small business owner, you can enjoy a flexible schedule, unlimited earning potential, and a number of other perks. …

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Construction Line of Credit: Grow Your Construction Business with a Line of Credit

By 2023, the U.S. construction industry is projected to reach a record of $1,804.8 billion. Therefore, it’s no surprise that …

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Understanding Equity Financing vs Debt Financing: What’s the Difference

As a small business owner, it is your job to gain business capital. Without it, you won’t be able to …

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Profit Margin Formula: What is it, How to Calculate it, How to Improve Profit Margin

When you sell a product or service, it’s important to understand your profit margin or how much money you make …

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IRS Form 1065 Guide: Where and How to Fill a 1065 Form

As a small business owner, you are responsible for organizing, filing, and paying your taxes. If you own a partnership …