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Manage your finances | U.S. Small Business Administration
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</a> </li> <li class="usa-sidenav__item expanded dropdown active active-trail"> <a class="usa-current" href="/business-guide/manage-your-business"> <span>Manage your business</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item active active-trail first"> <a class="usa-current" href="/business-guide/manage-your-business/manage-your-finances"> <span>Manage your finances</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/hire-manage-employees"> <span>Hire and manage employees</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/pay-taxes"> <span>Pay taxes</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/stay-legally-compliant"> <span>Stay legally compliant</span> </a> </li> <li class="usa-sidenav__item"> <a href="/business-guide/manage-your-business/buy-assets-equipment"> <span>Buy assets and equipment</span> </a> </li> <li 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href="/business-guide/manage-your-business/hire-employees-disabilities"> <span>Hire employees with disabilities</span> </a> </li> </ul> </li> <li class="usa-sidenav__item last"> <a href="/business-guide/grow-your-business"> <span>Grow your business</span> </a> </li> </ul> </nav> </div> <div class="usa-layout-docs__main"> <h1 data-test="title" > <span>Manage your finances</span> </h1> <div id="block-sba-content" class="block block-system block-system-main-block"> <article class="basic-page"> <div> <div class="basic-page__summary" data-test="pageSummary"> Accounting for revenue and expenses can help keep your business running smoothly. Make sure you maintain proper bookkeeping and have a basic knowledge of business finances. </div> <div class="sba-toc sba-standard-margin-spacing"> <hr class="sba-toc__divider-first sba-standard-margin-spacing" role="presentation"> <h2 id="sba-toc-heading" class="sba-toc__heading js-toc-ignore">Content</h2> <nav id="sba-toc__nav" aria-labelledby="sba-toc-heading" class="sba_toc__nav sba-standard-margin-spacing"></nav> <hr role="presentation"> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="start-with-a-balance-sheet"> Start with a balance sheet</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>The balance sheet is the foundation of managing your finances. It operates as a snapshot of your business financials. It helps you keep track of your capital and provide a cash flow projection for future years.</p> <p>A <a href="https://www.score.org/resource/balance-sheet-template">balance sheet</a> will help you account for costs like employees and supplies. It will also help you track <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="49ea064b-f586-46f1-9095-1a6d50087059" href="/business-guide/manage-your-business/buy-assets-equipment" title="Buy assets and equipment">assets, liabilities, and equity</a>. You can get insights by separating and analyzing segments of your business, like comparing online sales to face-to-face sales.</p> </div> </div> <div class="sba-section-headings"> <h3 class="sba-section-headings" id="cost-benefit-analysis-cba"> Cost-benefit analysis (CBA)</h3> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Looking closely at money-in and money-out helps maintain a sustainable balance between profit and loss. From development and operations to recurring and nonrecurring costs, it’s important to categorize expenses in your balance sheet. Then, you can use a cost-benefit analysis, or a process that helps weigh the strengths and weaknesses of a business decision, and put potential recurring benefits and cost reductions in context.</p> <p>A CBA is a technique for making non-critical choices in a relatively quick and easy way. It simply involves adding money in benefits and money in costs over a specified time period, before subtracting costs from benefits to determine success in terms of dollars. This can come in handy with <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="29fe280f-fd24-4d29-ac3e-10a12458711c" href="/business-guide/manage-your-business/hire-manage-employees" title="Hire and manage employees">hiring another employee</a> or an independent contractor.</p> <p>For example, let’s say you’re deciding whether to add outdoor seating for your sausage themed restaurant, Haute Dog. You estimate outdoor seating would add $5,000 in extra profit from sales each year. But, the outdoor seating permit costs $1,000 each year, and you’d also have to spend $2,000 to buy outdoor tables and chairs. Your cost-benefit analysis shows that you should add outdoor seating, because the new benefits ($5,000 in new sales) outweigh the new costs ($3,000 in permitting and equipment expenses).</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="pick-a-method-of-accounting"> Pick a method of accounting</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>Businesses often use either the accrual or cash methods of recording purchases. The accrual method puts transactions on the books immediately upon completing the sale. The cash method only records this once payment has been received.</p> <p>For example, if you make a sale in January and receive the $200 payment in February, an accrual method would allow you to record that on January’s books, while the cash method would require that payment to land on February’s books.</p> <table> <thead> <tr> <th>Method</th> <th>Pros</th> <th>Cons</th> </tr> </thead> <tbody> <tr> <td>Accrual</td> <td> <p>Creates immediate snapshot.</p> <p>Can reduce tax burden.</p> </td> <td> <p>More complex to manage.</p> <p>Potentially deceiving figures.</p> </td> </tr> <tr> <td>Cash</td> <td> <p>Shows cash flow clearly.</p> <p>Easier to understand.</p> </td> <td> <p>Limits predictive value.</p> <p>Less long-term clarity.</p> </td> </tr> </tbody> </table> <p> </p> </div> </div> <div class="sba-section-headings"> <h3 class="sba-section-headings" id="gaap"> GAAP</h3> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>There are many strategies for preparing financial statements for a small business. Generally accepted accounting principles, known as GAAP or “Gap,” provides a common a way to standardize financial reporting using the accrual method. Private companies aren’t required to follow GAAP. The <a href="https://www.fasb.org/">Financial Accounting Standards Board (FASB)</a> maintains GAAP in the United States.</p> </div> </div> <div class="sba-section-headings"> <h2 class="sba-section-headings" id="get-accounting-help"> Get accounting help</h2> </div> <div class="paragraph paragraph--type--text-section paragraph--view-mode--default sba-standard-margin-spacing"> <div class="usa-prose field__item" data-test="fieldItem"><p>You might want to get help with your accounting. Consider hiring a certified public accountant (CPA), bookkeeper, or using an online service.</p> <p>A CPA will typically cost more than online services, but can normally offer more tailored service for your specific business needs. A bookkeeper can provide basic day-to-day functions at a lower cost, but won’t possess the formal accounting education of a CPA.</p> <p>Ensure that someone can manage the following:</p> <ul> <li>Accounts receivable</li> <li>Accounts payable</li> <li>Available cash</li> <li>Bank reconciliation</li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="29fe280f-fd24-4d29-ac3e-10a12458711c" href="/business-guide/manage-your-business/hire-manage-employees" title="Hire and manage employees">Payroll</a></li> </ul> </div> </div> <section id="block-counselormatchcta" class="sba-call-to-action sba-standard-margin-spacing padding-y-0" style="background-color:#ffffff"> <div class="sba-call-to-action__inner"> <div class="sba-call-to-action__content left dark short"> <h3>Need help? 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