Many small businesses start off strong, with a solid business plan, an impressive product or service, sufficient funding to get off the ground and a growing customer base. And then somewhere along with the way, the business stalls, usually because of a cash flow problem.
\r\nA study conducted by Jessie Hagen of the U.S. Bank found that a staggering 82% of businesses fail because of poor cash flow management or a poor understanding of cash flow. Think of cash flow as the blood running through your business's veins. When it stops, so does your business.
\r\nHow do you avoid this? By monitoring your cash balance and learning how to manage it so that you always have a means of paying employees and suppliers. Cash flow management is a fundamental skill that every business owner should have.
\r\nIf you've been having a hard time with accounting and cash flow management, these 12 tips can help you get a handle on your bottom line. These are hard-won lessons from a decade as a small business co-founder, president and CEO.
\r\nEvery industry has unique periods of high and low sales. One of the first things you need to do when starting a business is to identify your industry's sales pattern. If you have this knowledge, you can anticipate weak sales periods and take steps to avoid shortfalls.
\r\nIf you're just starting out and don't have a clear picture of how much you should be spending, take a look at the other businesses in your industry. Use benchmarks taken from those companies to guide your cash flow projections, but don't forget that your own inflows and outflows will still depend on the amount of cash you have.
\r\nCut unnecessary expenses and reduce costs where you can. Think about what you can do without (participation at certain trade shows or subscriptions to certain services) and what you can spend less on (leasing equipment instead of buying). Reducing your overhead helps increase cash flow, which means having more readily available funds every month.
\r\nHow you reduce your operational costs will depend on the nature of your business, but there are certain steps most business owners can take. Looking for less-expensive suppliers, cutting back on rent and utilities by hiring remote workers, and renegotiating loan payment terms are just a few.
\r\nPayments from customers give you access to cash to pay your bills and employees on time. If you run a service business and charge a monthly subscription fee (or bill the customer at the end of the contract), your cash flow is limited and is dependent on the timeliness of payments.
\r\nConsider having your customers pay for a deposit or a partial payment instead of billing them monthly or upon completion of a project. This way, you generate enough cash to cover your operational expenses instead of waiting for the next batch of payments so you can pay your bills. You can incentivize this by providing a discount for those who choose to pay early.
\r\nIf your customers don’t pay you on time, you won't have the cash to pay your bills and other expenses. And if you don't pay your bills, you won't have a business to run. Running out of cash is not an option, which means you have to be proactive about collecting payments.
\r\nDon't hesitate to send invoice reminders. And if you want to avoid having to follow up on late payments, try to get your customers in the habit of paying early. You can do this by enforcing a late fee and by making sure that your payment terms are communicated clearly.
\r\nThe less you wait for invoice payments from customers or for fund transfers from payment processors, the better your cash flow. To avoid late payments and expedite the invoice cycle, give your customers lots of payment options. Aside from letting them pay via cash and credit card, look into payment apps like PayPal, Stripe, Venmo, Apple Pay, and Google Pay.
\r\n\r\n
Editor's note: Looking for the right credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.
\r\n\r\nMany small business owners learned the value of cash reserves the hard way when COVID-19 froze economies and companies everywhere struggled to stay afloat.
\r\nCash reserves help you through periods when business is slower than usual or when there’s a major unexpected purchase to make, such as when you have to replace an expensive piece of machinery. They get you through challenging times, like the pandemic, when business operations have to pause and there's little or no money coming in.
\r\nExperts say that a healthy savings amount is about six times your monthly operational costs.
\r\nUnfortunately, the JPMorgan Chase Institute says that half of all small businesses have cash reserves equal to less than a month's expenses. About 25% have a cash buffer equal to fewer than 13 days of expenses.
\r\nIf six months seems unrealistic, aim for at least three times your basic operating costs. Make sure you put aside a portion of your profits every month, even when times are hard until you have a sufficient amount saved up.
\r\nBusiness owners frequently make the mistake of draining their coffers to purchase major resources instead of getting financing. Even if you're not feeling the crunch right now and are confident that dipping into your cash reserves won't hurt, think about what will happen if you wind up short on cash because of a crisis or a sudden revenue shortfall.
\r\nThe sooner you pay off debt, the less you have to pay in interest and the less cash flowing out of your account every month. Try to pay off debt whenever you have a cash surplus, such as during your peak sales periods.
\r\nA key part of effective cash flow management is learning how to analyze your cash flow. Managing your cash flow means knowing when money enters your account when it leaves your account, what you can do to get cash faster, and how to control your spending to avoid issues.
\r\nEvery month (or a week, if you're diligent), go through your cash flow statements to figure out how money is flowing in and out of your business. The more you do this, the more you'll learn from it. When you understand your cash flow, you're able to identify patterns and spot opportunities for increasing your income and avoiding a cash flow crunch.
\r\nAnalyzing your cash flow statements should be a regular part of your routine. Accounting software like QuickBooks and Xero make it easy to do this. These tools also keep your data safe in the cloud so that you can manage your business finances wherever you are.
\r\nCash flow management isn’t easy, but it shouldn’t be a burden either. If you're struggling to track your cash flow, or if you just don't have the patience for the nitty-gritty of accounting, hire someone to assist you. A bookkeeper can review your sales and expenses, and generate cash flow statements for your review.
\r\nWhether you do it all yourself or hire someone to do the heavy lifting, the important thing is to give cashflow management the attention it deserves.
\r\nAside from being critical to your business's growth, effective cash flow management also frees you up to do what you do best: run your business. When you're not constantly worrying about your cash flow, you have more time to take care of your customers, explore business development opportunities, grow your team, and, ultimately, make more money.
\n","docType":"article","guid":"articles_6e189af9f8b498f93851bbf7e5e4216d","lastModified":"2020-06-11T21:53:00.000Z","published":"2020-06-11T21:53:00.000Z","structuredData":null,"subtitle":"Many small businesses struggle with cash flow and other accounting issues. There are useful tips and strategies to help you manage business finances effectively.","template":"v1","title":"12 Accounting and Cash Flow Management Lessons From 10 Years as a CEO","type":"article","author":{"avatar":null,"bio":"20four7VA allows me to do two things that I’m really passionate about: (1) helping talented and dedicated individuals from all over the globe find well-paying jobs with honest clients, and (2) helping small business owners succeed.\r\n\r\nI started 20four7VA after experiencing first-hand how unreliable most of the popular outsourcing platforms are. Fast-forward 10 years later, 20four7VA has become one of the most trusted virtual staffing companies in the eCommerce industry. I still manage the company right from my kitchen table, demonstrating the benefits of working virtually. I work with a global team of 40+ staff members and more than a hundred VAs, all of us scattered across the globe but working together seamlessly.\r\n\r\nBefore starting 20four7VA, I worked in the healthcare management industry. I have a Master's degree in Industrial-Organizational Psychology and a PhD in Research and Evaluation Methods with a cognate in Applied Statistics from the Virginia Polytechnic Institute and State University. I currently reside in Berlin, Maryland and enjoy travelling with my husband in my free time.","name":"Catherine vanVonno","image":null,"slug":null,"social":{"facebook":"https://www.facebook.com/cathvanvonno","linkedin":"https://www.linkedin.com/company/20four7va","twitter":"https://twitter.com/20four7va","website":"https://20four7va.com"},"status":"enabled","title":null,"type":"New BDC Member","user":{"imagePath":"https://staging.business.com/images/uploads/user/profile/cc0452da6857f0d38b293bac4e73ccad911c3.jpg","profile":{"company":"20Four7VA","jobTitle":"CEO","website":"https://20four7va.com"}}},"breadcrumbs":null,"channels":{"primary":{"name":"Finance","slug":"finance"},"sub":{"name":"Finances","slug":"finances"}},"meta":{"robots":"index, follow","description":"Here are 12 tips to manage finances effectively.","title":"Cash Flow Management Lessons From a CEO - business.com"},"parsedContent":{"toc":[{"id":"why-small-businesses-fail","title":"Why small businesses fail"},{"id":"anticipate-and-prepare","title":"Anticipate and prepare"},{"id":"set-benchmarks","title":"Set benchmarks"},{"id":"lower-your-operating-costs","title":"Lower your operating costs"},{"id":"ask-for-a-deposit","title":"Ask for a deposit"},{"id":"make-getting-paid-on-time-a-priority","title":"Make getting paid on time a priority"},{"id":"make-it-ridiculously-easy-for-clients-to-pay-you","title":"Make it ridiculously easy for clients to pay you"},{"id":"keep-an-eye-on-your-cash-reserves","title":"Keep an eye on your cash reserves"},{"id":"finance-long-term-assets-instead-of-using-cash","title":"Finance long-term assets instead of using cash"},{"id":"but-pay-off-debt-as-soon-as-possible","title":"But pay off debt as soon as possible"},{"id":"regularly-examine-your-cash-flow","title":"Regularly examine your cash flow"},{"id":"automate-it","title":"Automate it"},{"id":"get-help","title":"Get help"},{"id":"final-thoughts","title":"Final thoughts"}],"json":[{"component":"p","children":["Many small businesses start off strong, with a solid business plan, an impressive product or service, sufficient funding to get off the ground and a growing customer base. And then somewhere along with the way, the business stalls, usually because of a cash flow problem."]},{"component":"h2","props":{"id":"why-small-businesses-fail"},"children":["Why small businesses fail"]},{"component":"p","children":["A study conducted by Jessie Hagen of the U.S. Bank found that a staggering",{"component":"a","props":{"href":"https://sba.thehartford.com/finance/managing-profit-cash-flow/","target":"_blank","rel":"nofollow"},"children":[" 82% of businesses"]}," fail because of poor cash flow management or a poor understanding of cash flow. Think of cash flow as the blood running through your business's veins. When it stops, so does your business."]},{"component":"p","children":["How do you avoid this? By monitoring your cash balance and learning how to manage it so that you always have a means of paying employees and suppliers. Cash flow management is a fundamental skill that every business owner should have."]},{"component":"p","children":["If you've been having a hard time with accounting and cash flow management, these 12 tips can help you get a handle on your bottom line. These are hard-won lessons from a decade as a small business co-founder, president and CEO."]},{"component":"h2","props":{"id":"anticipate-and-prepare"},"children":["Anticipate and prepare"]},{"component":"p","children":["Every industry has unique periods of high and low sales. One of the first things you need to do when starting a business is to identify your industry's sales pattern. If you have this knowledge, you can anticipate weak sales periods and take steps to avoid shortfalls."]},{"component":"h2","props":{"id":"set-benchmarks"},"children":["Set benchmarks"]},{"component":"p","children":["If you're just starting out and don't have a clear picture of how much you should be spending, take a look at the other businesses in your industry. Use benchmarks taken from those companies to guide your cash flow projections, but don't forget that your own inflows and outflows will still depend on the amount of cash you have."]},{"component":"h2","props":{"id":"lower-your-operating-costs"},"children":["Lower your operating costs"]},{"component":"p","children":["Cut unnecessary expenses and reduce costs where you can. Think about what you can do without (participation at certain trade shows or subscriptions to certain services) and what you can spend less on (leasing equipment instead of buying). Reducing your overhead helps increase cash flow, which means having more readily available funds every month."]},{"component":"p","children":["How you ",{"component":"a","props":{"href":"https://20four7va.com/client-tips/how-to-reduce-operational-costs-for-small-businesses/","target":"_blank","rel":"nofollow"},"children":["reduce your operational costs"]}," will depend on the nature of your business, but there are certain steps most business owners can take. Looking for less-expensive suppliers, cutting back on rent and utilities by hiring remote workers, and renegotiating loan payment terms are just a few."]},{"component":"h2","props":{"id":"ask-for-a-deposit"},"children":["Ask for a deposit"]},{"component":"p","children":["Payments from customers give you access to cash to pay your bills and employees on time. If you run a service business and charge a monthly subscription fee (or bill the customer at the end of the contract), your cash flow is limited and is dependent on the timeliness of payments."]},{"component":"p","children":["Consider having your customers pay for a deposit or a partial payment instead of billing them monthly or upon completion of a project. This way, you generate enough cash to cover your operational expenses instead of waiting for the next batch of payments so you can pay your bills. You can incentivize this by providing a discount for those who choose to pay early."]},{"component":"h2","props":{"id":"make-getting-paid-on-time-a-priority"},"children":["Make getting paid on time a priority"]},{"component":"p","children":["If your customers don’t pay you on time, you won't have the cash to pay your bills and other expenses. And if you don't pay your bills, you won't have a business to run. Running out of cash is not an option, which means you have to be proactive about collecting payments."]},{"component":"p","children":["Don't hesitate to send invoice reminders. And if you want to avoid having to follow up on late payments, try to get your customers in the habit of paying early. You can do this by enforcing a late fee and by making sure that your payment terms are communicated clearly."]},{"component":"h2","props":{"id":"make-it-ridiculously-easy-for-clients-to-pay-you"},"children":["Make it ridiculously easy for clients to pay you"]},{"component":"p","children":["The less you wait for invoice payments from customers or for fund transfers from payment processors, the better your cash flow. To avoid late payments and expedite the invoice cycle, give your customers lots of payment options. Aside from letting them pay via cash and credit card, look into payment apps like ",{"component":"Link","props":{"href":"https://www.business.com/reviews/paypal-here-mobile-credit-card-processing/"},"children":["PayPal"]},", ",{"component":"Link","props":{"href":"https://www.business.com/reviews/stripe/"},"children":["Stripe"]},", Venmo, Apple Pay, and Google Pay."]},{"component":"p","children":[" "]},{"component":"p","children":[{"component":"strong","children":["Editor's note: Looking for the right credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs."]}]},{"component":"RfqWidget","props":{"className":"bz-form-widget","id":"bz-form-widget-0","widgetCategoryId":"10134"},"children":[" "]},{"component":"h2","props":{"id":"keep-an-eye-on-your-cash-reserves"},"children":["Keep an eye on your cash reserves"]},{"component":"p","children":["Many small business owners learned the value of cash reserves the hard way when COVID-19 froze economies and companies everywhere struggled to stay afloat."]},{"component":"p","children":["Cash reserves help you through periods when business is slower than usual or when there’s a major unexpected purchase to make, such as when you have to replace an expensive piece of machinery. They get you through challenging times, like the pandemic, when business operations have to pause and there's little or no money coming in."]},{"component":"p","children":["Experts say that a healthy savings amount is about six times your monthly operational costs."]},{"component":"p","children":["Unfortunately, the JPMorgan Chase Institute says that",{"component":"a","props":{"href":"https://institute.jpmorganchase.com/institute/research/small-business/report-cash-flows-balances-and-buffer-days.htm#finding-3","target":"_blank","rel":"nofollow"},"children":[" half of all small businesses"]}," have cash reserves equal to less than a month's expenses. About 25% have a cash buffer equal to fewer than 13 days of expenses."]},{"component":"p","children":["If six months seems unrealistic, aim for at least three times your basic operating costs. Make sure you put aside a portion of your profits every month, even when times are hard until you have a sufficient amount saved up."]},{"component":"h2","props":{"id":"finance-long-term-assets-instead-of-using-cash"},"children":["Finance long-term assets instead of using cash"]},{"component":"p","children":["Business owners frequently make the mistake of draining their coffers to purchase major resources instead of getting financing. Even if you're not feeling the crunch right now and are confident that dipping into your cash reserves won't hurt, think about what will happen if you wind up short on cash because of a crisis or a sudden revenue shortfall."]},{"component":"h2","props":{"id":"but-pay-off-debt-as-soon-as-possible"},"children":["But pay off debt as soon as possible"]},{"component":"p","children":["The sooner you pay off debt, the less you have to pay in interest and the less cash flowing out of your account every month. Try to pay off debt whenever you have a cash surplus, such as during your peak sales periods."]},{"component":"h2","props":{"id":"regularly-examine-your-cash-flow"},"children":["Regularly examine your cash flow"]},{"component":"p","children":["A key part of effective cash flow management is learning how to analyze your cash flow. Managing your cash flow means knowing when money enters your account when it leaves your account, what you can do to get cash faster, and how to control your spending to avoid issues."]},{"component":"p","children":["Every month (or a week, if you're diligent), go through your cash flow statements to figure out how money is flowing in and out of your business. The more you do this, the more you'll learn from it. When you understand your cash flow, you're able to identify patterns and spot opportunities for increasing your income and avoiding a cash flow crunch."]},{"component":"h2","props":{"id":"automate-it"},"children":["Automate it"]},{"component":"p","children":["Analyzing your cash flow statements should be a regular part of your routine. Accounting software like ",{"component":"Link","props":{"href":"https://www.business.com/reviews/quickbooks-online/"},"children":["QuickBooks"]}," and ",{"component":"Link","props":{"href":"https://www.business.com/reviews/xero-accounting-software/"},"children":["Xero"]}," make it easy to do this. These tools also keep your data safe in the cloud so that you can manage your business finances wherever you are."]},{"component":"h2","props":{"id":"get-help"},"children":["Get help"]},{"component":"p","children":["Cash flow management isn’t easy, but it shouldn’t be a burden either. If you're struggling to track your cash flow, or if you just don't have the patience for the nitty-gritty of accounting, ",{"component":"a","props":{"href":"https://20four7va.com/client-tips/4-challenges-of-solopreneurs-and-how-a-virtual-assistant-can-help-overcome-them/","target":"_blank","rel":"nofollow"},"children":["hire someone to assist"]}," you. A bookkeeper can review your sales and expenses, and generate cash flow statements for your review."]},{"component":"p","children":["Whether you do it all yourself or hire someone to do the heavy lifting, the important thing is to give cashflow management the attention it deserves. "]},{"component":"h2","props":{"id":"final-thoughts"},"children":["Final thoughts"]},{"component":"p","children":["Aside from being critical to your business's growth, effective cash flow management also frees you up to do what you do best: run your business. When you're not constantly worrying about your cash flow, you have more time to take care of your customers, explore business development opportunities, grow your team, and, ultimately, make more money."]}]},"resource":null,"sponsorship":{"sponsorType":"no-sponsor","name":null,"thumbnail":null,"bio":null,"slug":null,"status":null,"social":{"website":null,"linkedin":null,"twitter":null,"facebook":null}},"thumbnail":{"path":"https://staging.business.com/images/content/5ee/281b49c658a2c498b456e/1500-0-","caption":"Povozniuk / Getty Images","isBlurred":false},"bestPicks":null},"related":{"relatedArticles":[{"title":"SBA Loan Default: A Complete Guide for 2020 and Beyond","canonical":"https://www.business.com/articles/sba-loan-default-guide/","slug":"sba-loan-default-guide","thumbnail":"https://www.business.com/images/content/5dc/047af7b437483068b4572/1500-0-","dek":"Here's comprehensive guide to all your questions about SBA loan default, forgiveness and the SBA Offer In Compromise.","lastModified":"2019-11-04T15:00:00Z","published":"2019-11-04T15:00:00Z","sponsored":false},{"title":"Accounting Software Features and Benefits: A Guide for SMBs","canonical":"https://www.business.com/articles/features-of-accounting-software/","slug":"features-of-accounting-software","thumbnail":"https://www.business.com/images/content/5d0/b9ac35a215efe5d8b456b/1500-0-","dek":"Accounting software helps you record the flow of your company's money and examine your financial condition.","lastModified":"2020-02-19T13:20:00Z","published":"2014-06-13T21:46:00Z","sponsored":false},{"title":"How to Do Payroll","canonical":"https://www.business.com/articles/how-to-do-payroll/","slug":"how-to-do-payroll","thumbnail":"https://www.business.com/images/content/5d9/366c07b4374c76a8b4572/1500-0-","dek":"Our step-by-step guide will teach you how to process payroll yourself.","lastModified":"2020-08-17T20:17:00Z","published":"2019-10-02T12:30:00Z","sponsored":false},{"title":"Top Tips to Ensure Clients Pay on Time and Increase Your Cash Flow","canonical":"https://staging.business.com/articles/top-12-tips-to-make-clients-pay-on-time-and-increase-cash-flow/","slug":"top-12-tips-to-make-clients-pay-on-time-and-increase-cash-flow","thumbnail":"https://staging.business.com/images/content/557/eda143287b1a63f8b4590/1500-0-","dek":"Keeping track of cash flow is critical for your business, and we have found the 12 best tips to ensure your customers pay you on time.","lastModified":"2019-07-31T20:57:38Z","published":"2015-06-15T18:00:00Z","sponsored":null},{"title":"Top Tips to Ensure Clients Pay on Time and Increase Your Cash Flow","canonical":"https://www.business.com/articles/top-12-tips-to-make-clients-pay-on-time-and-increase-cash-flow/","slug":"top-12-tips-to-make-clients-pay-on-time-and-increase-cash-flow","thumbnail":"https://www.business.com/images/channel/business-basics.jpg","dek":"Keeping track of cash flow is critical for your business, and we have found the 12 best tips to ensure your customers pay you on time.","lastModified":"2015-06-15T18:00:00Z","published":"2015-06-15T18:00:00Z","sponsored":false},{"title":"10 Accounting and Cash Flow Management Tips","canonical":"https://www.business.com/articles/10-accounting-and-cash-flow-management-tips/","slug":"10-accounting-and-cash-flow-management-tips","thumbnail":"https://www.business.com/images/content/5e3/ae6267b4374d41b8b456a/1500-0-","dek":"Knowing when your business will break even\nIncentivizing your customers to make early payments\nScheduling your payments on different days of the month\nKeeping cash reserves","lastModified":"2020-02-05T18:59:00Z","published":"2020-02-05T18:59:00Z","sponsored":false},{"title":"SBA Loan Default? 5 Ways to Turn Your Business Around","canonical":"https://www.business.com/articles/sba-loan-default-solutions/","slug":"sba-loan-default-solutions","thumbnail":"https://www.business.com/images/content/5d4/ef6457b43749c4a8b456a/1500-0-","dek":"Check out these ideas to turn around your business if it's struggling with your SBA loan payments and facing default.","lastModified":"2019-08-11T16:00:00Z","published":"2019-08-11T16:00:00Z","sponsored":false},{"title":"8 Accounting Tips All Small Businesses Should Know","canonical":"https://www.business.com/articles/small-business-accounting/","slug":"small-business-accounting","thumbnail":"https://www.business.com/images/content/5dc/8d7947b43745e4c8b4576/1500-0-","dek":"Even if it isn't your forte, you still need to know the basics of accounting to ensure your business is being run right.","lastModified":"2019-11-12T15:00:00Z","published":"2019-11-12T15:00:00Z","sponsored":false},{"title":"5 Accounting Mistakes That Cost Small Businesses Significant Growth","canonical":"https://www.business.com/articles/small-business-accounting-mistakes/","slug":"small-business-accounting-mistakes","thumbnail":"https://www.business.com/images/content/5d6/967e67b4374cb2e8b4578/1500-0-","dek":"Failing to have a firm grasp on your business's financial status can significantly hamper your ability to grow.","lastModified":"2019-09-03T15:00:00Z","published":"2019-09-03T15:00:00Z","sponsored":false},{"title":"How to Improve Your Financial Literacy","canonical":"https://www.business.com/articles/improving-entrepreneur-financial-literacy/","slug":"improving-entrepreneur-financial-literacy","thumbnail":"https://www.business.com/images/content/5ec/557f25a215e0d168b4577/1500-0-","dek":"Entrepreneurs must develop financial literacy, a critical skill set for business growth, profitability and success. They can increase their financial literacy by understanding some of the basics and leveraging technology to help manage the financial health of the business.","lastModified":"2020-05-20T19:18:00Z","published":"2020-05-20T19:18:00Z","sponsored":false},{"title":"Dollars & Sense: How to Build an Accounting System for Startups","canonical":"https://www.business.com/articles/dollars-and-sense-how-to-build-an-accounting-system-for-startups/","slug":"dollars-and-sense-how-to-build-an-accounting-system-for-startups","thumbnail":"https://www.business.com/images/content/5e9/887f99c658a711a8b45b5/1500-0-","dek":"Having a robust accounting system in place right in the early stages of the business helps you build a strong foundation for your business.","lastModified":"2020-04-16T21:57:00Z","published":"2015-03-06T20:00:00Z","sponsored":false},{"title":"Talking Shop: Smart Financial Habits Your Small Business Needs to Be Practicing","canonical":"https://www.business.com/articles/smart-financial-habits/","slug":"smart-financial-habits","thumbnail":"https://www.business.com/images/content/5d5/eee467b4374e0458b4581/1500-0-","dek":"Keeping on top of your finances is critical to the success of your business.","lastModified":"2019-08-26T15:10:00Z","published":"2019-08-26T15:10:00Z","sponsored":false}],"relatedReviews":[{"doc_type":"category","thumbnail":"https://staging.business.com/images/rz/5e46e2fc5a215eab4d8b457c/taxes_pano_Prostock-Studio_getty.jpg","canonical":"https://staging.business.com/categories/best-tax-debt-relief-services/","title":"The Best Tax Debt Relief Services of 2021","dek":"Looking for the best tax debt relief service? 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