Napkins – Entrepreneurship – Napkin Finance

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Venture Capital

Nothing Ventured, Nothing Gained

Venture capital (or “VC” for short) is a type of financing for startup companies. Venture capitalists invest...

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SBA Loans

Helping Hand

SBA-guaranteed loans (or just “SBA loans”) are business loans backed by the U.S. Small Business Administration (SBA)....

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Partnerships

Passing Through

If you’re starting a business with someone else (or multiple people), the partnership is the most basic...

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Valuing a Company

What’s it Worth?

A company’s value is the dollar figure that it might sell for if a person or another...

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Incorporating

Limited Liability

A corporation is one type of formal business structure that entrepreneurs can choose to use when starting...

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Retirement Savings for Contractors

Squirrel Away

If you’re a contractor, saving for retirement can be much more complicated than it is for employees....

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Taxes for Contractors

Welcome to the Gig Economy

A contractor, or freelancer, can be anyone who works for clients on a contract basis rather than...

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Entrepreneurship

Change the World

Entrepreneurship is building a new business from the ground up. It means coming up with an idea...

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Kylie Jenner

Lifestyles of the Rich and Famous

When it comes to money moves, Kylie Jenner knows what’s up. A Forbes profile of the youngest...

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Break-Even Point

Point Break

A company is at its break-even point when its revenue equals its expenses. It is neither making...

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IRR

Crunch the Numbers

The internal rate of return, or IRR, is a measure of an investment’s or a project’s profitability....

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Financial Statements

State of Affairs

Financial statements are reports a company puts together to measure how it’s doing. Companies create their financial...

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Crowdfunding

Pound the Pavement

Crowdfunding is a way to raise money from many people, thanks to the power of the Internet....

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Profit and Loss (P&L)

The Bottom Line

A profit and loss statement, or income statement, shows the money a company earned and what it...

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Overhead

Keep the Lights On

Overhead refers to the expenses a business must pay just to stay open. Also known as “indirect...

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Business Insurance

Cover Your Bases

A business insurance policy is a contract between an insurance company and a business. In exchange for...

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Bankruptcy

Lose Your Shirt

Bankruptcy is the legal process for consumers or businesses to get help with their debt. Bankruptcy starts...

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Fixed vs. Variable Costs

At All Costs

Fixed and variable costs are types of expenses that businesses pay in order to operate.

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Convertible Note

Take Note

A convertible note is a type of short-term loan for a business. However, instead of being repaid...

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ROI

Many Happy Returns

Return on investment, or ROI, is a ratio for measuring the profitability of an investment. It puts...

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Risk vs. Reward

Double Down

All investments come with risk. With financial investments, risk is usually tied to reward. That means investments...

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Philanthropy

Greater Good

Philanthropy is giving back. It’s paying forward the resources you have—whether your money, or physical goods, or...

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EBITDA

How You Slice It

EBITDA (pronounced “ee-bit-tah”) stands for “earnings before interest, taxes, depreciation, and amortization.” It’s one measure of a...

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Profit Margin

Margin of Error

A company’s profit margin measures the portion of its total sales that it gets to keep as...

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Financing a Startup

Sink or Swim

If you’re trying to get a startup off the ground, chances are you’ll need some cash to...

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Liability

Much Obliged

A liability is something that will require you (or a company) to spend money or resources in...

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1099 vs. W-2 Employee

Bring Home the Bacon

1099s and W-2s are both types of tax forms. If you’re a contractor, you should receive one...

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How to Start a Startup

Go Big or Go Home

Although plenty of startups fail, the ones that succeed can do so wildly. Beyond a financial payoff,...

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Independent Contractor

Free Agent

An independent contractor is someone who is self-employed and works for clients as a nonemployee. Independent contractors...

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Depreciation

Wear and Tear

Depreciation is a physical asset’s loss of value over time. Just as your once new car is...

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