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 Kozi Checks & Balances TaxTactics News 
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Mike Kozisek Checks and Balances
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January 19.2025
2 Minutes Read

Phoenix Lender Services: A Game-Changer for Small Business Lending

Small Business Trends logo for small business lending insights.

Revolutionizing Small Business Lending: The Birth of Phoenix Lender Services

In a bold move to reshape the landscape of financial support for small businesses, Phoenix Lender Services has emerged as a pioneering force dedicated to efficiency in Small Business Administration (SBA) and USDA lending. Founded in early 2025 and rooted in LaGrange, Georgia, this newly minted subsidiary of Community Bankshares, Inc. is laser-focused on helping small enterprises navigate the often murky waters of loan processes. With a mission to simplify lending, Phoenix brings a wealth of experience, innovative solutions, and a customer-centric approach to the table.

A Diverse Team with a Unified Goal

At the heart of Phoenix Lender Services is an impressive team boasting over 700 years of combined industry experience. This diverse group includes seasoned experts like Chris Hurn, President & CEO, who has been a staunch advocate for small business financing since 1998. Alongside him are leaders renowned in their respective fields, such as Jeremy Gilpin and Lance Sexton, whose combined knowledge ensures that Phoenix isn’t just another lender but a formidable ally in the growth of small businesses across the nation.

Bridging Gaps: Addressing Challenges in Lending

Despite being recognized as the backbone of the economy, small businesses have historically faced significant hurdles in securing financing. Phoenix aims to bridge these gaps by offering end-to-end support encompassing underwriting, closing, servicing, and the complexities of liquidation. In doing so, the company allows lenders to refocus on what truly matters: serving their clientele effectively.

Exclusive Services: The Phoenix Advantage

What sets Phoenix Lender Services apart is not just its comprehensive suite of offerings; it's also the partnership with Community Bank & Trust (CB&T). As the 25th most active SBA lender in the U.S., CB&T provides Phoenix with unparalleled resources. This collaboration means that small businesses can expect not only swift access to capital but also the backing of industry veterans who understand their needs.

Empowering Underserved Communities

One of Phoenix’s core commitments is to empower underserved communities. Recognizing that many small businesses struggle with access to funding, the firm operates within a framework that supports inclusivity and opportunity. Through its Preferred Lender Program (PLP) designation, Phoenix ensures compliance while working to simplify the loan process, emphasizing its dedication to creating accessible financing options for all.

Looking Ahead: A New Chapter in Small Business Lending

As the financial landscape continues to evolve, Phoenix Lender Services stands poised to lead the charge. With a commitment to innovation and support for small enterprises in the SBA and USDA sectors, the company is not just planning for the future; it is actively shaping it. As CEO Chris Hurn puts it, "Phoenix represents a bold new chapter in small business lending." This is more than just a corporate statement—it's a promise to the countless entrepreneurs striving to turn their aspirations into reality.

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06.07.2025

Unlock the True Costs of Business Incorporation: What You Need to Know

Update Understanding the True Costs Behind Business IncorporationConsidering starting your own business? You may think that incorporation is just about filing some paperwork, but the reality is that there are a variety of costs involved that can influence your financial strategy significantly. From state fees to ongoing compliance costs, understanding the comprehensive landscape of incorporation expenses will be crucial in crafting a sound budget for your business.States and Structures: Where the Costs VaryFirst, it’s important to recognize that the type of business structure you choose can drastically change the costs associated with incorporation. An LLC, for example, often incurs state filing fees ranging from $50 to $500 depending on your location. Meanwhile, corporations may face higher fees between $100 and $1,000. ≤h2>The Legal Maze: Navigating Fees and GuidelinesLegal advice often plays a crucial role in successful incorporation, but getting advice comes at a cost. Hiring a qualified attorney can set you back $100 to $500 an hour. This upfront investment can save you from compliance missteps that might otherwise lead to hefty fines down the road. Think of legal advice as a critical part of your operational strategy, rather than merely an additional expense.Hidden Costs That Can Sink Your BudgetDon’t forget about hidden costs! Ongoing fees such as annual reports and franchise taxes can sneak up on you, depending on your business structure and the state you operate in. These recurring costs can vary substantially based on revenue and the complexity of your business’s financial structure, which makes it essential to fully understand these ongoing obligations when budgeting for the future.Planning for Long-Term GrowthIncorporation is just the first step; planning for the long haul is equally important. Budgeting for both your initial incorporation expenses and future costs will position your business for sustainable growth. A sound financial plan that incorporates anticipated recurring costs will help you avoid nasty surprises that can hinder your business vision.Conclusion: Make Informed Decisions Tailored to Your BusinessIncorporating your business offers significant benefits, including protecting personal assets and enhancing legitimacy, but it comes with a range of costs that must be understood upfront. By familiarizing yourself with these financial obligations—from initial filing fees to ongoing compliance costs—you can make informed decisions that position your business for success.

06.06.2025

Maximize Your Small Business Growth With the Best Free Shopify Apps

Update Free Shopify Apps: Navigating the Digital Marketplace In an era where small businesses are vying for attention, free Shopify apps serve as essential lifelines. They allow entrepreneurs to enhance operational efficiency and elevate customer experiences—all without straining their budgets. With the right apps, you can streamline tasks, improve sales, and foster stronger customer relationships, making them critical tools for anyone looking to succeed in the online marketplace. Unlock the Potential of Shopify Apps Shopify apps offer a plethora of features tailored specifically for small businesses. By integrating these tools into your store, you can tackle specific challenges—from inventory management to marketing automation. This explosion of choice means that you can focus your efforts where they matter most, allowing your business to grow without being bogged down by tedious tasks. Choosing the Best Free Apps: What to Look For It's easy to get lost in the myriad of options. However, selecting the right apps can dramatically influence your success. Here’s a quick breakdown of what to prioritize: User-Friendliness: Complex setups can diminish productivity. Pick apps that are straightforward to install and navigate. Functionality: Identify apps that fulfill specific needs like inventory tracking or marketing. Integration: Ensure the apps can seamlessly connect with your existing systems. Customer Support: Go for apps with robust support to help resolve any issues swiftly. Reviews and Ratings: Evaluate community feedback to assess the reliability of each app. Top Recommendations for Free Shopify Apps Here, we highlight a few standout apps that no small business should overlook: Oberlo: Simplifies product sourcing and order fulfillment, which is invaluable for any small e-commerce store. Shopify Email: An effective tool for managing marketing campaigns directly through your Shopify dashboard, making email outreach effortless. Kit: This virtual marketing assistant helps automate ads on social media and can even send reminders for promotional campaigns. Utilizing these apps not only optimizes day-to-day operations but also fosters customer loyalty—a vital ingredient for prolonged success. Future-Proofing Your Business with Apps Investing time to carefully select and implement the right free Shopify apps today can have a long-term impact on the trajectory of your business. By understanding user needs and staying flexible to changes in market demands, these tools can propel your small business towards sustained growth. As you journey through the world of e-commerce, remember that technology is there to support you. Don't shy away from exploring new apps that could unlock new pathways to success.

06.05.2025

Could 20% of Jobs Really Disappear? What Small Businesses Should Know

Update Is the Job Market Really at Risk? Exploring the Anthropic CEO's Analysis The prediction made recently by Anthropic's CEO, suggesting that 20% of jobs could vanish within the next five years, has ignited a spirited debate among small business owners and industry experts alike. Is this a sensational claim intended to sound the alarm, or does it reflect an emerging trend that small businesses should heed? A Shifting Landscape: The Role of AI and Automation Automation and artificial intelligence (AI) are no longer futuristic concepts; they are here, reshaping industries across the board. With the launch of Google AI Ultra and a reported 18,347% surge in demand for AI agents on freelance platforms like Fiverr, it appears that the tide is turning toward a highly automated workforce. This shift may not only heighten operational efficiency but also threaten traditional employment as job functions evolve. The Need for Adaptation: Small Business Strategies In light of these changes, small businesses can no longer afford to remain stagnant. Adopting new technologies and rethinking operational strategies is imperative. For instance, Jackie Sinclair's newly launched content repurposing agency aims to assist small business owners in leveraging AI to maximize visibility—an excellent step toward future-proofing their operations. Such innovations may become critical in helping smaller companies maintain relevance amidst mounting competition. Regional Insights: The Rise of Entrepreneurial Cities Interestingly, while some sectors may falter, others are booming. GoDaddy’s recent list of the most entrepreneurial cities highlights that urban centers and suburbs are experiencing a surge in new business formations. The key takeaway here is that while the overall job market may be shifting, opportunities for innovative small businesses continue to arise. Understanding local dynamics and regional advantages is essential for small business owners looking to thrive in this changing environment. Counterarguments: Optimism in the Face of Automation Fears Amid these technological advancements, it is essential to consider counterarguments surrounding the doomsday predictions about job loss. The National Federation of Independent Business (NFIB) reported a decline in small business optimism in various sectors, but is this a cause for alarm or a time to pivot and innovate? Many industry leaders argue that with the right mindset and adaptations, small businesses can leverage technology to create new roles and enhance service delivery rather than merely reduce workforce numbers. Concluding Thoughts: Preparing for What Lies Ahead As we navigate this transition, understanding both the threats and opportunities presented by technological advancements is critical for small business owners. Preparing for an evolving job market will not only safeguard businesses but may also open doors to previously unimagined entrepreneurial ventures. Now is the perfect time to assess your strategies and adapt to the ever-changing landscape.

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Tax Tactics News distinguishes itself with hyper-localized content specifically addressing Kansas’ unique tax environment. By focusing on small businesses, freelancers, and entrepreneurs, the platform serves as a trusted advisor for compliance and tax optimization, cutting through generic advice to offer precise, practical solutions and Referrals.

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