Latest news with #LeviKing
Time Magazine
7 hours ago
- Business
- Time Magazine
New Development Could Improve Small Business Owners' Credit
This article is published by a partner of TIME. By Levi King I've spent my life in the trenches of American small business—fixing signs in the Idaho cold, sweating payroll in manufacturing, and later, building fintech platforms to help entrepreneurs like me navigate the labyrinth of credit. So when I read the news that FICO is launching credit scores that finally incorporate Buy Now, Pay Later (BNPL) data, I felt a jolt of hope and a twinge of caution. This is a watershed moment for credit history in America, and it's going to ripple through every Main Street and startup hub in the country. What This Means for Small Business Owners' Personal Credit Let me break down what this means specifically for small business owners, why it matters for your personal credit, and what you should take away from this announcement. For years, BNPL has been the wild child of consumer finance—ubiquitous, easy to use, but invisible to the credit bureaus. That's always struck me as a disconnect, especially for small business owners who often rely on every available tool to manage cash flow. Millions of entrepreneurs have used BNPL to bridge gaps, buy inventory, or simply keep the lights on. Yet, until now, their responsible use (or misuse) of these products didn't show up on their personal credit reports. FICO's move to include BNPL data in their new Score 10 BNPL and Score 10 T BNPL models is a long-overdue correction. As someone who's seen firsthand how invisible credit behaviors can torpedo a business loan application, I can't overstate how important this is for small business owners' personal credit. Lenders will finally get a more complete, nuanced picture of your financial life—not just the traditional credit cards and loans, but also the BNPL plans you may rely on to run your business. One of my lifelong missions has been to expand access to capital for the underdog—the entrepreneur with grit but no generational wealth, the immigrant starting a food truck, the single mom launching an Etsy shop. Historically, if your first credit experience was with BNPL, you were invisible to lenders. Now, FICO's new models promise to help small business owners build a legitimate personal credit history from day one. This is more than a technical tweak; it's a step toward leveling the playing field. If you pay your BNPL bills on time, that positive behavior will finally count for something. For small business owners who bootstrap with every tool available, this could be the difference between a 'yes' and a 'no' from the bank. One of the biggest risks with adding BNPL to credit scores was always the potential for unfair penalties. If each BNPL plan was treated as a separate loan, someone using BNPL for multiple purchases could look overleveraged—even if they were managing it responsibly. FICO's solution? Aggregate the loans, so the model sees the big picture, not just the raw number of accounts. That's smart. It means the system recognizes patterns and context, not just raw data. I've seen too many business owners get dinged for technicalities or misunderstood behaviors. This approach is a win for fairness and accuracy, especially for entrepreneurs juggling multiple short-term obligations. There's always anxiety when a new scoring model rolls out. But FICO's research shows that for more than 85% of BNPL users, the impact on their credit score will be about 10 points—and for most, it will be positive or neutral. That's huge. It means responsible BNPL use can actually help your personal credit, not hurt it. For small business owners who rely on every point to qualify for loans or better rates, this matters. Of course, missed payments will hurt you. That's always been true, and it's a necessary guardrail. But the days of being penalized just for using BNPL are over. I've been on both sides of the lending desk. When lenders can't see the full scope of a borrower's obligations, they either overreact (decline or price too high) or underreact (approve risky loans). Both outcomes are bad for small businesses. Now, with BNPL data in the mix, lenders can make smarter, more informed decisions. That means more approvals for deserving borrowers and fewer surprises down the road. For business owners, this also means you can finally see how all your credit behaviors—traditional and BNPL—affect your personal score. Transparency is power. This change is a wake-up call for everyone, especially small business owners who often mix personal and business finances (sometimes out of necessity; sometimes out of confusion). If you use BNPL, those habits are now part of your personal credit story. It's time to get educated: understand your payment schedules, avoid overextending, and monitor your credit reports like a hawk. Knowledge is your first line of defense. If you're not sure how BNPL is showing up on your credit, ask. If you're using it to manage cash flow, make sure you're not setting yourself up for a surprise down the road. Here's the bottom line: this is an opportunity. If you're a small business owner who uses BNPL to buy inventory, manage expenses, or smooth out cash flow, you can now build personal credit with those transactions—if you do it wisely. Pay on time, don't overextend, and keep records. This could help you qualify for better financing, lower rates, and more favorable terms. But beware: BNPL is not free money. Overspending or missing payments will hurt your score and your business. The same discipline you bring to your business books, you should bring to your BNPL accounts. A Call for Business Credit Bureaus to Step Up I started my first business in a world where credit was a black box. I learned the hard way that what you don't know can kill your dreams. FICO's inclusion of BNPL data is a long-awaited leap toward a more accurate, inclusive, and transparent credit system, especially for small business owners' personal credit. But let's not stop here. I hope the business credit bureaus are paying attention and will follow FICO's lead by updating their scoring models to include SMB BNPL data as well. Small business owners deserve the same recognition for responsible borrowing on their business credit profiles as they are starting to get on their personal credit reports. This is how we build a stronger, fairer financial future for Main Street—together. About the Author: Levi King is CEO, co-founder, and chairman of A lifelong entrepreneur and small business advocate, Levi has dedicated over ten years of his professional career to increasing business credit transparency for small businesses. After starting and selling several successful companies, he founded Nav both to help small business owners build their credit health and to provide them with powerful tools to make their financing dreams a reality.
Forbes
11-06-2025
- Business
- Forbes
Do You Need An Accountant For Your Small Business?
By Levi King An accountant brings expertise, efficiency, and strategic value to your business. My first year of business was one of the more interesting experiences of my life. I was still in my early twenties and had taken what I thought was a pretty significant leap of faith by dropping out of college in order to start my own company. When it was time for me to hire an accountant I asked my dad for a recommendation. He had used a local CPA for years, and since I was busy as hell with a million other things, I figured this was a good enough recommendation for me. During my first conversation with the CPA, he advised that I remain a sole proprietor rather than incorporate. I was just a kid in his eyes and therefore unlikely to make the kinds of profits my first year that would have justified changing my status for tax purposes. Nine months later, we met again. He studied my numbers in silence. He was a big dude, physically, so that when he started giggling, his whole desk shook. He proceeded to explain that if I'd rejected his advice and incorporated, I'd have saved an extra $20,000 in taxes. Writing that check took an unbelievably painful bite out of the operating capital I'd managed to build to that point. I fired the guy immediately and found a new CPA. The main point here is that even though I'd had a bad experience with my first CPA, I didn't let that stop me from doing some due diligence and hiring a better one right away Running a small business is a demanding endeavor, requiring owners to juggle numerous responsibilities—from sales and marketing to customer service and operations. Amid these daily challenges, financial management often becomes an overwhelming task, especially as the business grows. Hiring an accountant as soon as possible is not just a matter of convenience; it is a strategic decision that can profoundly impact the success, stability, and growth potential of your business. Many small business owners initially believe they can manage their own finances, especially with the abundance of accounting software available today. However, an accountant brings a level of expertise and specialized knowledge that goes far beyond basic bookkeeping. Accountants are trained to interpret complex financial data, stay current on ever-changing tax laws, and provide tailored advice that aligns with your business goals. Their insights can help you make better decisions about budgeting, forecasting, and risk management, ensuring your business remains compliant and financially healthy. Time is one of the most valuable resources for any business owner. Managing payroll, tracking expenses, preparing invoices, and reconciling accounts can consume countless hours each week. By hiring an accountant, you free yourself from these time-consuming tasks, allowing you to focus on what you do best—growing your business and serving your customers. Delegating financial responsibilities to a professional also reduces stress, as you can trust that your records are accurate, your tax filings are correct, and your financial statements are up to date. Financial errors can have serious consequences for small businesses. Simple mistakes, such as missing a tax deadline or misclassifying an expense, can result in penalties, audits, or lost deductions. Accountants are meticulous about compliance and accuracy, ensuring that your financial records are error-free and audit-ready. Their attention to detail helps you avoid costly pitfalls and provides peace of mind that your business is operating within the bounds of the law. Tax season is often a source of anxiety for small business owners, particularly those unfamiliar with the complexities of business tax codes. An accountant's expertise is invaluable in this area. They know which deductions and credits your business is eligible for, how to structure your finances to minimize your tax burden, and how to file all necessary forms correctly and on time. By optimizing your tax strategy, an accountant can save your business significant amounts of money—funds that can be reinvested into growth and innovation. As your business expands, so do its financial needs and challenges. Growth often brings increased revenue, but it also leads to more complex expenses, payroll, and reporting requirements. An accountant can help you navigate this complexity by providing financial projections, analyzing investment opportunities, and updating your business plan as needed. Their guidance ensures you make informed decisions about scaling your operations, hiring new employees, or pursuing new markets, all while maintaining a strong financial foundation. Accurate, timely financial reporting is essential for understanding your business's performance and making strategic decisions. Accountants provide detailed financial reports that offer clarity on profitability, cash flow, and expense management. These reports are not just numbers on a page—they are tools that help you identify trends, spot opportunities for cost savings, and set realistic financial goals. With an accountant's analysis, you gain a deeper understanding of your business's strengths and weaknesses, empowering you to make data-driven decisions. Regulatory compliance is a critical aspect of running a business, especially as laws and requirements evolve. Accountants stay up-to-date on changes in tax regulations, labor laws, and industry standards, ensuring your business remains compliant at all times. Their vigilance protects you from legal issues, fines, and reputational damage. In the event of an audit or financial review, having an accountant on your team provides invaluable support and documentation, making the process smoother and less stressful. Beyond day-to-day financial management, accountants serve as strategic advisors. They can assist with business planning, investment strategies, and succession planning, helping you set and achieve long-term goals. Whether you are seeking funding, preparing for expansion, or considering a business transition, an accountant's perspective is crucial for evaluating options and mitigating risks. Perhaps the greatest benefit of hiring an accountant early is the freedom it provides. With a trusted financial expert managing your accounts, you can devote your energy to innovation, customer relationships, and building your brand. This focus not only enhances your business's chances of success but also improves your quality of life as an entrepreneur. More from AllBusiness: In conclusion, hiring an accountant as soon as possible is one of the smartest investments a small business owner can make. An accountant brings expertise, efficiency, and strategic value to your business, helping you avoid mistakes, save money, and achieve your goals. Rather than viewing your accountant as an expense, consider him or her a partnership that empowers you to build a stronger, more resilient, and more successful business from day one. You own your business; the buck stops with you. Never take anyone's advice at face value, regardless of how pitifully you stack up in terms of time in the trenches. You believed in yourself enough to risk everything for a dream—honor that trust by seeking a wide range of opinions before making momentous decisions.
Forbes
03-06-2025
- Business
- Forbes
How To Handle Narcissism And Egos In The Workplace
By Levi King The goal is to create a balanced workplace culture that harnesses ambition. Once upon a time, I was at a big conference with several members of my executive team at the time. The conference was just wrapping up when I spotted one of them—I'll call him Maurice—standing in a corner chatting with a fellow from a different company. I'd worked with Maurice for years at this point. We didn't have a lot in common in terms of where we grew up, what schools we attended, and many other things that make up for one's basic life experience, but I trusted him as a colleague and thought of him as a friend. Just as I neared Maurice and the guy he was chatting with, I heard the latter say something that stopped me in my tracks: 'I'm sorry you have to work with that schmuck Levi. It sounds like it's been a terrible experience and I hope you can continue to make up for his bungling and keep things running smoothly over there.' This is how I discovered that a trusted colleague and friend had been tearing me down behind my back for reasons which didn't come to light until later, but which basically boiled down to outsized ego and ambition. It won't come as a big surprise to anyone who's ever worked in corporate America to realize that many folks outside of our world perceive many folk in it as big-headed braggadocious monsters. The competition is intense and the rewards high. But Maurice, I think, represents something more than simply white collar Darwinism. Narcissism and big egos are often conflated in discussions about problematic workplace behavior, but they represent distinct psychological phenomena with important differences in how they manifest and impact organizations. While both can create challenges in professional settings, understanding the nuances between narcissism and big egos is crucial for effectively managing workplace dynamics and fostering a healthy organizational culture. Narcissism is a personality trait characterized by an inflated sense of self-importance, a constant need for admiration, and a lack of empathy for others. In the workplace, narcissistic individuals often display an overwhelming sense of superiority and entitlement. They crave attention and validation, constantly seeking praise and recognition for their achievements, even at the expense of others. Narcissists in professional settings tend to exhibit several key behaviors: The impact of narcissism on workplace dynamics can be severe. It often leads to decreased morale among colleagues, dysfunctional communication, and a breakdown in teamwork. Narcissistic leaders, in particular, can create toxic work environments by prioritizing their personal goals over the team's success and stifling creativity and innovation by dismissing others' ideas. While related to narcissism, a big ego in the workplace is a distinct concept. Individuals with big egos display excessive pride in their abilities and accomplishments, often leading to arrogance and overconfidence. Unlike narcissism, which is rooted in deep-seated insecurity, a big ego stems from an inflated sense of self-worth that may or may not be justified by actual achievements. Key characteristics of individuals with big egos in the workplace include: While big egos can drive individuals to achieve great things, they can also create friction within teams and hinder collaborative efforts. The impact on workplace dynamics, while potentially disruptive, is often less severe and pervasive than that of narcissism. The primary distinctions between narcissism and big egos in the workplace lie in their underlying motivations and the extent of their impact: Narcissists fundamentally lack empathy, whereas individuals with big egos may still possess the capacity for empathy, even if it's overshadowed by their inflated self-image. Narcissists have an insatiable need for admiration and validation from others, while those with big egos may be more self-contained in their sense of superiority. Narcissists are more likely to engage in calculated manipulation and exploitation of others, whereas big egos might unintentionally alienate colleagues through their arrogance. Narcissists react to criticism with intense defensiveness or rage, viewing it as a threat to their self-image. Those with big egos may be dismissive of criticism but are less likely to react with hostility. Narcissistic leaders can fundamentally alter an organization's culture, creating lasting damage even after their departure. Big egos, while problematic, typically have a more localized impact on immediate team dynamics. More from AllBusiness: Addressing narcissism and big egos in the workplace requires different approaches. For narcissism: For big egos: While both narcissism and big egos can create challenges in the workplace, understanding their distinct characteristics is crucial for effective management. Narcissism represents a more pervasive and potentially damaging force, capable of undermining organizational culture and team dynamics at a fundamental level. Big egos, while problematic, are often more manageable and may even drive positive outcomes when properly channeled. By recognizing these differences, leaders and HR professionals can develop targeted strategies to mitigate the negative impacts of both narcissism and big egos, fostering a more collaborative, innovative, and psychologically safe work environment. Ultimately, the goal is to create a balanced workplace culture that harnesses the drive and ambition often associated with strong personalities while ensuring that these traits don't come at the expense of teamwork, empathy, and overall organizational health. Being blindsided at a work conference certainly wasn't fun, but the real consequences of Maurice's narcissism ultimately proved to be much more serious. The more you learn to tell the difference between good old-fashioned ego and something more sinister, the less likely it is you'll waste months—even years—working alongside people who are pulling things down just as quickly as you are building them up.
Forbes
27-05-2025
- Business
- Forbes
Angel Investor Vs. Venture Capital: Which Is Right For Your Startup?
By Levi King VCs and angel investors have different approaches and tend to invest at different scales. In the world of startup funding, two prominent players stand out: venture capitalists (VCs) and angel investors. Angel investors are typically wealthy individuals who invest their personal funds in early-stage startups. Often former entrepreneurs themselves, they bring not only capital but also valuable experience and industry connections to the table. Angels tend to be more flexible in their investment approach, often making decisions based on personal interest in the entrepreneur's vision or the potential of the idea itself. Venture capitalists, on the other hand, are professional investors who manage funds on behalf of other investors, such as institutions, corporations, or pension funds. They operate within a more structured framework, employing rigorous due diligence processes and focusing on businesses with high growth potential and scalable models. While both provide crucial financial support to emerging businesses, they differ significantly in their approach, investment scale, and overall impact on a company's trajectory. Understanding these differences is essential for entrepreneurs seeking to secure the right type of funding for their ventures. One of the most significant differences between VCs and angel investors lies in the stage at which they typically invest and the amount of capital they provide. Angel investors are often the first external funding source for startups, stepping in during the pre-seed or seed stages when the business is still developing its product or service trying to find product-market fit. Their investments usually range from tens of thousands to hundreds of thousands of dollars, filling the crucial gap between initial funding from friends and family and larger institutional investments. Venture capitalists, however, tend to enter the picture at later stages, typically seed, Series A, and beyond, when a startup has already demonstrated some market traction or viability. VC investments are significantly larger, often starting in the millions and potentially reaching tens of millions of dollars. This reflects their focus on scaling businesses with established potential rather than nurturing ideas from inception. The decision-making process for angel investors is often more personal and subjective. They may rely heavily on their gut feeling, the entrepreneur's passion, and the potential they see in the idea. This approach allows for quicker decisions and can be advantageous for startups needing fast access to capital. Venture capital firms employ a more structured and rigorous decision-making process. This involves detailed market analysis, assessment of the business model, and evaluation of the startup's growth potential. Decisions are typically made by a committee or team rather than an individual, which can lead to a longer and more complex process but often results in a more comprehensive evaluation of the investment opportunity. Angel investors frequently take a hands-on approach with the businesses they invest in. They often provide mentorship, guidance, and access to their personal networks. This level of involvement can be invaluable for early-stage startups navigating the challenges of business development and market entry. While venture capitalists also offer support beyond just capital, their involvement tends to be more strategic. They may seek board positions, influencing major decisions and providing high-level guidance on scaling the business. VCs typically have extensive networks and can facilitate partnerships, further funding rounds, and potential exit opportunities. Angel investors generally have a higher tolerance for risk, often investing in unproven ideas or technologies. They understand that many of their investments may fail, but they're willing to take these risks for the potential of high returns on successful ventures. Their investment horizon tends to be longer, and they may be more patient with the company's growth trajectory. Venture capitalists, while still operating in the high-risk world of startup investments, tend to be more risk-averse than angel investors. They seek businesses with clear paths to significant returns, often looking for companies that can potentially provide a 10x or greater return on investment. This focus on high growth and scalability influences both their investment choices and their expectations for the companies they back. The level of control and influence exerted by investors is another key differentiator. Angel investors typically seek less control over the companies they invest in, often content with minority stakes and limited voting rights. This can be appealing to entrepreneurs who wish to maintain significant control over their company's direction. Venture capitalists, however, usually demand more substantial equity stakes and greater control. They may require board seats, voting rights, and other mechanisms to protect their investment and influence the company's strategic decisions. While this can bring valuable expertise and guidance, it also means entrepreneurs must be prepared to cede some control over their businesses. More from AllBusiness: Deciding between angel investors and venture capitalists depends on various factors related to your business's stage, needs, and long-term goals. Here are some considerations to help guide your choice: If you're in the very early stages, with just an idea or prototype, angel investors might be more appropriate. If you have a proven product and are looking to scale rapidly, venture capital could be the better option. For smaller capital requirements (up to a few hundred thousand dollars), angel investors are often the go-to choice. For larger amounts necessary for significant scaling, VCs are typically better equipped. If you're aiming for rapid, exponential growth and have a business model that supports this, VCs might be more aligned with your goals. For businesses with more modest growth projections, angel investors might be a better fit. If maintaining control over your company's direction is a priority, angel investors generally allow for more autonomy. If you're open to significant external influence and guidance, VC funding might be more suitable. Consider the type of support you need beyond capital. Angel investors often provide more hands-on mentorship, while VCs offer strategic guidance and extensive industry connections. VCs typically look for clear exit strategies, often pushing for rapid growth toward an IPO or acquisition. If you're not planning for such exits in the future, angel investors might be more patient. Some industries are more attractive to VCs due to their potential for rapid scaling (e.g., tech, biotech). Other sectors might find more receptive audiences among angel investors. As you consider which is best for your business, realize that both venture capitalists and angel investors play crucial roles in the startup ecosystem, each offering unique advantages. The right choice depends on aligning your business's needs, stage, and goals with the investor's approach, resources, and expectations. By carefully considering these factors, entrepreneurs can make informed decisions about which funding path is most likely to lead their business to success.
Forbes
21-05-2025
- Business
- Forbes
3 Ways Suppliers Can Help Small Businesses Access Financing
By Levi King Suppliers can play a crucial role in helping small businesses access funding. It's no exaggeration to say that the struggles of small businesses—and questions of financing, in particular—have occupied my thoughts day and night throughout the entirety of my entrepreneurial career. Especially in the early days, those thoughts were the furthest thing possible from theoretical. If I had to describe them in two words, I might choose 'practically ignorant.' I didn't know the first thing about the subject; all I was sure of was that when I needed financing, I needed it now. Now that I'm in a position where theorizing about small business concerns contributes greatly to my quest to find solutions, I look back on the day when a certain person opened my eyes to the realities of financing. This person was about as ordinary a guy as you'll ever hope to meet: a vendor in small town Idaho. I was in my early twenties at the time. I'd opened an electric sign repair business and was working my butt off to keep it going. The first time I met him, I wrote him a check for some supplies. He didn't know me from Adam, and I'll never forget his face as he looked at the check I'd handed him and then back at me. 'I hope this doesn't bounce,' he said solemnly, throwing it down on his desk with dramatic flair. After a moment of silence, he whistled. 'Well, look at that.' I stood there quizzically. 'It didn't bounce,' he explained—at which I burst out laughing. It's an old and corny joke, but I was young and—despite all my cares —lighthearted. Needless to say, he made a good impression, and over the following months I returned to him time and again to write more checks. One day, as I handed him yet another check, he made a proposal. 'It's kind of a pain to cash all these checks,' he said. 'Why don't I just check your business credit, and whenever I see you again I'll give you net 30.' I agreed to his generous proposal, but the next time I saw him he informed me that I didn't have any business credit. I informed him in turn that I didn't know what he was talking about. I'd never had a credit card in my life, had never taken out a loan; I was completely clueless about what is arguably the most important tool small business owners have at their disposal. My kind supplier then made a relationship-based decision—one that changed my life. Based on the fact that I seemed to be a hardworking whippersnapper, and so far all my checks had cleared the bank, he decided to extend me net 30 regardless of my lack of credit history. If I kept repaying him on time, he'd report my good behavior to the business credit bureaus, and I'd be on my way to creating the kind of credit score that means sweating blood over financing is a thing of the past. Suppliers can play a crucial role in helping small businesses access funding, which is essential for growth and sustainability. This support can come in various forms, including trade credit, supply chain finance, and supplier financing. Understanding these options can help small businesses navigate financial challenges and capitalize on opportunities. Trade credit is a common method through which suppliers help small businesses manage cash flow. It allows companies to purchase goods or services without immediate payment, providing a grace period before the invoice is due. This grace period can range from 30 days to six months, depending on the supplier's terms and the business's creditworthiness. By using trade credit effectively, small businesses can delay cash outlays, thereby conserving working capital for other essential expenses or investments. As I advanced from fixing to manufacturing electric signs, trade credit meant the difference between failure and success. The idea of floating material costs for months during the much more expensive manufacturing and installation process would have been crushing. However, securing favorable trade credit terms often requires a good credit history. New businesses or those with poor credit may find it challenging to secure extended payment terms. Once a business establishes a reliable payment track record, suppliers are more likely to offer better terms, which can significantly improve cash flow management. Supply chain finance (SCF) is another powerful tool that connects buyers, suppliers, and financial institutions to optimize cash flow. It primarily involves two main strategies: reverse factoring and dynamic discounting. Reverse factoring allows suppliers to receive early payment on invoices at a small discount, based on the buyer's creditworthiness. This approach benefits both parties: suppliers receive immediate cash, while buyers can extend their payment terms without affecting their suppliers' cash flow. Dynamic discounting involves the buyer offering suppliers an early payment in exchange for a discount on the invoice amount. The discount rate is typically adjusted based on how quickly the payment is made. Both methods enhance the financial stability of the supply chain by providing suppliers with timely payments and allowing buyers to manage their working capital more effectively. Supplier financing is a specialized form of funding that helps suppliers meet their financial obligations, particularly when they need to purchase raw materials or finished goods to fulfill large orders. This method involves a financial institution acting as an intermediary between the supplier and the buyer. The financier pays the supplier upfront, allowing them to cover production costs, while the buyer repays the financier at a later date. Supplier financing is particularly beneficial for manufacturing companies and distributors that need to stock up on inventory or fulfill large orders. It provides them with the necessary funds to meet demand without depleting their cash reserves. However, this option typically requires a minimum level of annual revenue and a good credit history. More articles from AllBusiness: Using suppliers to help fund a small business offers several benefits: While leveraging suppliers for funding can be beneficial, there are challenges and considerations to keep in mind: Trust me when I say that suppliers can be a vital source of funding for small businesses through various financial arrangements. By understanding and leveraging these options, businesses can enhance their financial resilience, improve relationships with suppliers, and create opportunities for growth and expansion. While there are challenges to consider, the benefits of these financing strategies can be substantial for businesses navigating the complexities of cash flow management and supply chain optimization.
