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Steingard Insights
Category: Business Growth & Operations
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How Small Businesses Are Actually Valued
Earnings times a multiple — but which earnings, and what moves the multiple? SDE vs EBITDA, risk factors, and where owners quietly…
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Intellectual Property Assignment Guide for Service Firms
Your firm creates valuable things every week. A consulting playbook. A custom reporting template. A reusable code component. A client onboarding workflow…
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Cost Effective vs Cost Efficient: A Guide for Service Firms
You're probably looking at two proposals right now. One provider promises fast turnaround, a low monthly fee, and “full-service” bookkeeping or payroll.…
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The 5 Step Decision Making Process: A Financial Guide
A service firm can feel busy and profitable at the same time, then hit a cash squeeze two payroll cycles later. The…
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Decoding Your Profits: Non Operating Costs Guide
Revenue is up. Clients are paying. Your team is busy. Then you open QuickBooks, glance at your profit and loss statement, and…
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What Is a Transaction Fee: Learn How to Reduce Costs
A transaction fee is a charge a business pays for each electronic payment it processes, typically for credit cards, debit cards, or…
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Inventory Turns Calculations: A Small Business Guide
You may already have this problem sitting on a shelf. Maybe it's an HVAC shop with bins of motors, capacitors, and control…
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Business vs. Personal Credit Cards: Owner’s 2026 Guide
You open the credit card statement at month end and already know what's coming. A software subscription. A client lunch. A family…
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Depreciation for Equipment: A Guide for Service Businesses
You buy a new service van, a set of specialized diagnostic tools, or upgraded workstations for your team. The cash leaves your…
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Prepaid Debit Card for Business: Smart Spending
If you're running a service business, you probably know the pattern. An employee buys materials on the way to a job. Someone…
