
school
Education
Bachelors degree in English, UC Berkeley
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Expertise
SMB digital marketing, B2B growth strategies
Articles by Fiona Lee

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Business loan requirements for startups
Startup business loans require a minimum credit score of 580+, 6 months in operation, and documentation like a business plan, tax returns, and bank statements.

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Direct vs. indirect cash flow: Key differences and how to choose
The direct method shows actual cash receipts and payments; the indirect method adjusts net income for non-cash items and working capital changes.

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Pending transaction: What it means and how it works
A pending transaction is an authorized charge that reduces your available balance before final settlement, typically clearing within 1–5 business days.

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How and when to hire an accountant for your small business
Equity financing is the process of raising capital by selling ownership shares to investors in exchange for equity stakes and partial ownership.

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Business loan vs. line of credit: Which is best?
A business loan provides a one-time lump sum repaid on a fixed schedule; a business line of credit offers revolving access to capital drawn & repaid as needed.

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What is cash flow forecasting
Cash flow forecasting estimates future cash inflows and outflows over a set period to anticipate shortfalls, manage liquidity, and support financial planning.