Rayanne Harmon

The best banks for international business make it easier and less expensive to send payments, receive funds, and manage money across borders. Whether you work with overseas suppliers, serve international customers, or operate in multiple countries, the right account can help reduce transfer costs, simplify currency exchange, and improve access to your funds. I compared…

Bluevine’s Standard business checking account remains competitive, with no monthly fees and no transaction limits. Eligible accounts can earn 1.3% Annual Percentage Yield (APY) on balances up to $250,000, making it one of the strongest interest-bearing fintech options available. If you want to increase your APY, upgrade to: Bluevine Plus to earn 1.75% APY on balances…

Loss payee is a common insurance term that appears whenever a lender has a financial interest in your business property. If you finance equipment, vehicles, inventory, or any other insured collateral, your lender will usually require loss payee status to protect their investment. Many small business owners wonder what a loss payee is when they…

Opening a business bank account is an important early step that sets the foundation for how your business manages money. From paying expenses to tracking cash flow and preparing for tax season, the right account can make day-to-day financial management much easier. In this guide, we walk through how to open a business bank account…

Choosing the right insurance pre-licensing course can make the difference between passing your exam the first time and having to start over. The best programs give you clear state-specific content, engaging study materials, and practice tools that match the real exam. With so many national providers offering different formats, price points, and state approvals, it…

Think of an authorized user as someone added to your open tab at a restaurant. They can place orders within your limits, but when the bill arrives, you’re the one responsible for paying it. As such, I recommend that you add an authorized user on a business credit card if they regularly incur expenses such…

As a long-time banker, I can tell you that choosing the best bank for startups is about more than just avoiding fees. Early-stage businesses have unique needs. Thus, it’s important to find a financial provider that offers strong digital tools and flexible eligibility requirements in the beginning, giving you room to scale in the future….

The challenges presented by the uptick in bank closures are reshaping how owners access financial services in 2025. For years, local banks offered personal relationships and easy access to services that kept businesses running. I know this firsthand, having spent many years in banking, during which several branches I worked in eventually closed due to…

Effective cash flow management has always been the lifeblood of a successful business. When I worked as a banker, I saw firsthand how even profitable companies could run into serious trouble simply because they lost sight of their cash position. That experience showed me the value of cash forecasting tools. These cash flow management tools…

For over three decades, I’ve had a front-row seat to the incredible resilience of small business owners. They’re the backbone of our economy, constantly innovating and adapting. As we enter the last third of 2025, I see a financial landscape that, while offering opportunities, demands a sharper focus on innovative small business banking and strategic…

Consulting comes with a lot of freedom but also a fair amount of risk. A single client dispute or mistake in your work can throw your entire business off track, which is why business insurance for consultants isn’t just nice to have. It quietly protects you in the background so that you can stay focused…

Instead of being sent to a separate site, you can take care of financial tasks — like paying for a product, tipping a driver, or applying for credit — without ever leaving the app or website you’re on. If you have used a food delivery app to check out or noticed a Buy Now, Pay…