Rayanne Harmon

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…

As a sole proprietor, there’s no legal separation between you and your business, which means your personal assets could be on the line if something goes wrong. That’s why sole proprietor business insurance matters. It helps protect you from the unexpected — whether it’s property damage, a lawsuit, or a simple mistake that turns into…

Some business owners want to keep things simple. Others are focused on growth, and many just need a dependable place to manage day-to-day finances. If you want a reliable business bank with flexible options, Truist is worth a look. It’s a strong choice if you prefer traditional banking with a modern touch. It offers two…

Together, we’ll figure out what’s useful and skip the stuff that just gets in the way. If you have heard of open finance but are unsure what it means for your business, you’re not alone. The term gets tossed around as the next big thing in financial tech, but most small business owners are left…

Global trade tariffs are reshaping the business landscape in complex ways. One of the most common questions in today’s trade environment is, “How do tariffs affect small businesses?” — and the answer varies depending on factors like industry, sourcing, and adaptability. In 2025, small businesses worry about President Trump’s tariff plans as new import taxes…

Although the characteristics of the best commercial real estate (CRE) loan will be different for each business owner, many of the top CRE lenders offer financing options for multiple property types. I’ve researched multiple lenders and narrowed my top picks to the eight listed below. They have competitive rates, loan offerings, terms, and qualification requirements,…

Starting a business is an exciting journey, but protecting it with the right coverage is just as important as launching it. Many startups overlook business insurance, either due to cost concerns or a lack of awareness, but going without coverage can lead to significant financial and legal risks. Understanding the essentials of business insurance costs…

A Community Development Financial Institution (CDFI) loan is a type of financing offered by mission-driven lenders that focus on supporting underserved communities and small businesses. These loans provide flexible terms, lower interest rates, and easier qualification requirements than traditional bank loans. A CDFI loan is designed for small businesses and entrepreneurs who need funding but might…

Finding the best business money market account (MMA) rates in 2025 can be challenging with so many options available. This guide breaks down the top accounts offering competitive interest rates, low fees, and valuable perks, helping you choose the best fit for your business. Whether you’re looking to maximize earnings, maintain liquidity, or minimize costs,…

Artificial intelligence (AI) has redesigned the entire ecosystem of banking since the 1980s, when computer scientists implemented machine learning specifically trained for the banking industry. It was designed to allow banks to launch automations capable of analyzing vast amounts of banking data in mere seconds with incredible accuracy. Since then, more improvements have been made,…

How a returned item fee works When your bank attempts to clear a check or an electronic payment through your account and your balance has insufficient funds to cover it, the transaction will be declined or returned. If the transaction is a check, it would be flagged as NSF and sent back to the bank…