News
How Garner-Area Small Businesses Can Build a Financial Safety Net That Actually Holds
A financial safety net for your small business is built from several overlapping layers — cash reserves, a protective legal structure, the right insurance, and a clear-eyed view of your cash flow — not any single account or policy. SCORE research shows 82% of failures trace to cash flow, and 42% of startup entrepreneurs launched with less than $5,000 in cash reserves — most owners build their safety net too late, if at all. For businesses in Garner and across the Triangle, where small and mid-size
KS Bank Earns 5-Star Rating from National Bank Rating Firm
KS BANK EARNS 5-STAR RATING FROM NATIONAL BANK RATING FIRM (SMITHFIELD, NC) – Bauer Financial, the Nation’s Premier Bank Rating Firm, would like to congratulate KS Bank for earning a 5-Star Superior rating for the 41st consecutive quarter. Having maintained its financial strength and stability for ten years (40 consecutive quarters), KS Bank has also earned an “Exceptional Performance Bank” distinction. This latest rating was assigned in March 2026, based on December 31, 2025 financial data, and
Running on Instinct Is Costing Garner Businesses More Than They Think
Data analytics — the practice of collecting, organizing, and interpreting business data to guide decisions — is the clearest competitive edge available to small businesses right now. Yet most owners sense the need but don't follow through: nearly 51% of small business owners believe big data analysis is essential, yet only 45% actually perform any. For businesses competing in the Triangle's fast-growing economy, that gap is where market share quietly shifts.What Staying in "Gut Mode" Actually Costs
Tonia Brown, MBA, Announces Virtual Workshop: “The P.A.I.D. Blueprint™” A 2.5-Hour Intensive Teaching Small Business Owners How to Pay Themselves First, Eliminate Tax Surprises, and Engineer Financial Stability
BENSON, N.C. — Tonia Brown, MBA, founder of The PAID Blueprint and accounting educator with 28+ years of experience, today announced an upcoming virtual workshop for small business owners: The P.A.I.D. Blueprint™: Profit Allocation & Income Distribution. The workshop is scheduled for Friday, May 16, 2026, from 9:00 a.m. to 11:30 a.m. EST, and will be delivered entirely online via live virtual session. The P.A.I.D. Blueprint™ is a structured, strategic, and data-driven framework designed to solve one of the
