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      <title>How the 6.75% Prime Rate Resets Your SBA Loan Cost</title>
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      <description><![CDATA[SBA 7(a) variable-rate loans are capped at the prime rate plus a size-based spread, and a 2026 rule change gave lenders new base rates to peg them to — here's how to read your own note.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:48:07 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Price-Escalation Clauses: Read Them Before Prices Move</title>
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      <description><![CDATA[Index, trigger band, cap, and notice — the four terms of a supplier price-escalation clause that decide who absorbs the next cost shock.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>When Can You Legally Say &apos;Made in USA&apos;?</title>
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      <description><![CDATA[The FTC's Made in USA Labeling Rule: all or virtually all domestic content, qualified claims, civil penalties — and what to document first.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>SBA Size Standards: The Gate to Federal Contracting Set-Asides</title>
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      <description><![CDATA[How federal small-business size standards work — NAICS codes, five-year averaging, affiliation — and the set-aside world they unlock.]]></description>
      <pubDate>Sun, 21 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Business Insurance, Explained: What Each Policy Actually Covers</title>
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      <description><![CDATA[What general liability, professional, cyber, EPLI, and workers' comp policies actually cover — and the boundaries owners discover only at claim time.]]></description>
      <pubDate>Fri, 29 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>The FTC&apos;s Small-Business Cybersecurity Baseline, Decoded</title>
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      <description><![CDATA[The FTC's free small-business security checklist — authentication, patching, backups, payment callbacks — decoded with the enforcement logic behind it.]]></description>
      <pubDate>Wed, 06 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>State or Federal Minimum Wage: Which One Do You Owe?</title>
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      <description><![CDATA[The highest applicable rate wins: how federal, state, local, and industry wage floors stack — plus tip credits and multi-location traps.]]></description>
      <pubDate>Tue, 14 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Your Supplier Just Merged: What Happens to Your Contract?</title>
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      <description><![CDATA[Assignment and change-of-control clauses decide whether pricing and service survive a supplier merger — what to check at announcement and negotiate next time.]]></description>
      <pubDate>Sun, 22 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>When a Customer Files Chapter 11: What Vendors Actually Get</title>
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      <description><![CDATA[When a customer files Chapter 11: claim priority, critical vendor status, reclamation deadlines, and the protections that only exist pre-petition.]]></description>
      <pubDate>Fri, 27 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Tariffs Start With Classification: An Importer&apos;s Field Guide</title>
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      <description><![CDATA[HTS codes, duty stacks, reasonable care, and the end of de minimis — what small importers must know before the shipment sails.]]></description>
      <pubDate>Wed, 04 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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      <title>Contractor or Employee? The Test That Decides Your Payroll Risk</title>
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      <description><![CDATA[The DOL economic-realities test — six factors, no weight on labels — and how misclassification exposure stacks for small employers.]]></description>
      <pubDate>Tue, 13 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Isabel Duarte</dc:creator>
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