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    <title>Orer News — Small Business</title>
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    <lastBuildDate>Sun, 30 Aug 2026 22:21:54 GMT</lastBuildDate>
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      <title>The Real Cost of a First Hire, Itemized</title>
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      <description><![CDATA[A $52,000 hire realistically budgets at $65,000–$73,000 loaded: 7.65% employer FICA, workers' comp, ~$6,000 health coverage, and payroll costs, per BLS and IRS 2024 data.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:56:26 GMT</pubDate>
      <category>Small Business</category>
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      <title>SBA 7(a) Fees Are Back: What Borrowers Pay After the Relief Expired</title>
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      <description><![CDATA[SBA 7(a) fee relief expired September 30, 2023, bringing back an upfront guarantee fee of up to 3.75% of the guaranteed portion. What a typical $500,000 loan now costs at closing.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:56:25 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>Prime Rate Holds at 6.75%: What It Costs Your Business Loan</title>
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      <description><![CDATA[The Fed held rates on July 29, 2026, keeping the prime rate that prices many small-business loans at 6.75% — here is how that number actually reaches a line of credit or an SBA 7(a) loan.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:48:13 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
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      <title>What 100% Bonus Depreciation Means for Your Next Equipment Buy</title>
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      <description><![CDATA[A permanent rule change lets a small business write off qualifying equipment in full, the year it's bought. Here is how the date on the purchase order decides what you can claim.]]></description>
      <pubDate>Thu, 13 Aug 2026 08:48:00 GMT</pubDate>
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      <title>Why a Separate Business Bank Account Pays for Itself</title>
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      <description><![CDATA[Commingling funds costs deductions, LLC protection, and CPA hours — how a separate business account pays for itself.]]></description>
      <pubDate>Thu, 23 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>Small Business</category>
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      <title>How Many Months of Expenses Should a Business Hold in Cash?</title>
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      <description><![CDATA[Business cash reserves sized by revenue concentration and cost flexibility — how many months to hold, and where to keep them.]]></description>
      <pubDate>Tue, 30 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
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      <title>LLC or Sole Proprietorship: The Tax Differences That Matter</title>
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      <description><![CDATA[An LLC is not a tax choice — default filings, self-employment tax, S election math, and state fees compared for owners.]]></description>
      <pubDate>Sun, 07 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
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      <title>Merchant Processing Fees, Itemized: Where Your Margin Goes</title>
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      <description><![CDATA[Interchange, network fees, and processor markups itemized — plus how to compute your effective rate and cut card acceptance costs.]]></description>
      <pubDate>Sat, 16 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
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      <title>Business Credit Card or Line of Credit: Which Gap Are You Filling?</title>
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      <description><![CDATA[Cards are for spend you clear monthly; credit lines are for 60-day-plus gaps. Here is how pricing, limits, and reporting differ.]]></description>
      <pubDate>Thu, 23 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
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      <title>What Your Inventory Turnover Ratio Is Trying to Tell You</title>
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      <description><![CDATA[Inventory turnover explained for small business: how to calculate it, what fast or slow turns mean, and three safe ways to improve it.]]></description>
      <pubDate>Tue, 31 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>How Quarterly Estimated Taxes Actually Work for Owners</title>
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      <description><![CDATA[Safe harbors, self-employment tax, and 2026 due dates for quarterly estimates — how owners avoid IRS underpayment penalties.]]></description>
      <pubDate>Sun, 08 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>How to Reprice Your Product When Costs Won&apos;t Hold Still</title>
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      <description><![CDATA[Contribution margin in dollars, quarterly cost-stack reviews, and clean announced increases — a repeatable repricing process for small businesses.]]></description>
      <pubDate>Sat, 14 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>What to Negotiate in a Commercial Lease Before You Sign</title>
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      <description><![CDATA[Rent is the headline, but escalations, repair clauses, and exit rights set the real cost. Here is what to negotiate in a commercial lease.]]></description>
      <pubDate>Thu, 22 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tanya Brooks</dc:creator>
      <category>Small Business</category>
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      <title>How Long Your Cash Conversion Cycle Should Really Be</title>
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      <description><![CDATA[The cash conversion cycle shows how many days your cash is locked up. Here is how to calculate and shorten it, with SBA-backed guidance.]]></description>
      <pubDate>Tue, 30 Dec 2025 12:00:00 GMT</pubDate>
      <dc:creator>Priya Vaithilingam</dc:creator>
      <category>Small Business</category>
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