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Business & Retail Tech

Retail tech, startups and the business side of technology.

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The essential business & retail tech guides

Business & Retail Tech · topic

Starting a business

8 guides

How to Get an EIN From the IRS Online (Free, in About 15 Minutes)

You get an EIN online for free through the IRS EIN Assistant at IRS.gov. If your business is formed in the US and the responsible party has an …

11 min readOct 14, 2026

How to Write a Business Plan With AI Help (Without Made-Up Numbers)

To write a business plan with AI, use a chatbot to interview you, outline each section and draft clear prose, but supply your own facts and pull every …

10 min readSep 29, 2026

LLC vs S Corp: How Each Is Taxed and When the Switch Makes Sense

An LLC is a legal structure under state law, while an S corp is a federal tax election. By default, LLC owners pay 15.3% self-employment tax on most …

11 min readOct 9, 2026

Startup Costs Checklist: What to Budget Before Launch

Budget for 8 categories before launch - legal filings and licenses, insurance, location and deposits, equipment, inventory, software and tech, marketing, and professional help - plus a cash …

9 min readOct 2, 2026

How to Build an MVP Without Coding

Define the one problem you solve, pick the lightest format that tests it (a landing page, a manual "concierge" service or a simple app), then build it with …

10 min readSep 29, 2026

How to Open a Business Bank Account: Documents, Steps and Online vs Branch

To open a business bank account, get an EIN (or use your SSN if you're a sole proprietor), gather your formation documents, ownership details, any business license and …

10 min readSep 11, 2026

How to Form an LLC Online: State-by-State Basics

To form an LLC online, choose your state, check that your name is available, name a registered agent with a physical address in that state, and file Articles …

11 min readSep 10, 2026

How to Validate a Business Idea Before You Spend Money

To validate a business idea, talk to at least 10 potential customers about the problem, check search and competitor data, then run a cheap test that asks for …

10 min readSep 5, 2026
Business & Retail Tech · topic

Legal, tax and exit

7 guides

Does Your Website Need a Privacy Policy? State Privacy Laws Explained

Yes. Almost every US business website needs a privacy policy. California's CalOPPA requires one on any commercial site that collects personal information from California residents, even just a …

11 min readOct 21, 2026

BOI Reporting: Does Your Business Still Need to File?

Most US businesses no longer need to file BOI reports. FinCEN's final rule, effective August 14, 2026, permanently exempts companies formed in the United States and US persons. …

9 min readOct 19, 2026

ADA Website Accessibility: What Businesses Need to Know

The ADA requires businesses open to the public to make their services accessible, and the Justice Department applies that to websites. No federal rule sets a technical standard …

11 min readOct 8, 2026

Sales Tax Nexus: When an Online Business Must Collect Sales Tax

An online business must collect sales tax in a state once it has nexus there. Nexus comes from physical presence, such as inventory or employees, or from economic …

10 min readOct 3, 2026

Cyber Liability Insurance for Small Businesses: What It Covers

Cyber liability insurance pays for the costs of a data breach or cyberattack. First-party coverage handles your own losses, such as forensics, data recovery, customer notification, ransomware response …

10 min readOct 6, 2026

How to Pay Quarterly Estimated Taxes Online

Pay quarterly estimated taxes online through IRS Direct Pay or your IRS Online Account, both free from a bank account. Choose "Estimated tax" and Form 1040-ES, pick the …

10 min readSep 22, 2026

How to Trademark a Business Name in the US

To trademark a business name, search the USPTO database for similar marks, list the goods or services you sell and file in USPTO Trademark Center. The base fee …

10 min readSep 15, 2026
Business & Retail Tech · topic

Marketing and growth

7 guides

How AI Search Is Changing SEO for Small Businesses

AI search tools such as Google AI Overviews, AI Mode and ChatGPT search now answer many questions directly and cite a few sources. For small businesses, that means …

9 min readOct 19, 2026

How to Run Your First Facebook and Instagram Ads on a Small Budget

To run your first Facebook and Instagram ads, set up a Business Page, a connected Instagram account and an ad account in Meta Ads Manager. Pick 1 objective, …

12 min readOct 14, 2026

How Founders Can Use LinkedIn to Find Customers

Founders find customers on LinkedIn by turning their personal profile into a clear pitch for one type of buyer, posting useful insights 2 to 3 times a week, …

10 min readOct 7, 2026

How to Read Google Analytics 4 as a Business Owner

To read Google Analytics 4 as a business owner, focus on 4 reports. Traffic acquisition shows which channels bring visits, Pages and screens and Landing page show what …

10 min readOct 14, 2026

How to Start Email Marketing for a Small Business

Start email marketing by choosing an email platform, sending from your own domain with SPF, DKIM and DMARC set up, and collecting subscribers through signup forms with clear …

10 min readSep 29, 2026

How to Build a Business Website Yourself in a Weekend

To build a business website yourself, register a domain in your own name, pick a website builder with a business plan, and publish 5 core pages: home, services, …

11 min readSep 18, 2026

SEO for a New Business Website: Where to Start in the First 90 Days

Start SEO for a new website by connecting Google Search Console, submitting a sitemap and making sure every important page can be crawled and indexed. Then give each …

9 min readSep 5, 2026
Business & Retail Tech · topic

AI for small business

6 guides

How Small Businesses Can Start Using AI This Week: 5 Low-Risk Workflows

Small business owners can start using AI this week with 5 low-risk workflows: drafting email replies, writing marketing posts, building quotes and proposals, summarizing meetings and notes, and …

9 min readOct 20, 2026

How to Automate Repetitive Business Tasks Without Coding

Pick one repetitive task that follows the same steps every time, such as copying new leads into your CRM or chasing unpaid invoices. Map its trigger and actions, …

11 min readOct 14, 2026

What Are AI Agents and What Can They Do for a Business?

An AI agent is software that uses a language model to plan steps and take actions in your tools, such as updating a CRM, drafting replies or booking …

11 min readOct 14, 2026

AI Phone Receptionists: How They Work and When They Help

An AI receptionist answers your business phone with a synthetic voice, understands what callers say, answers common questions from your information, and books, transfers or takes messages through …

10 min readOct 9, 2026

Can AI Do Your Bookkeeping? What It Handles and Where You Still Need a Bookkeeper

AI can handle a large share of routine bookkeeping: categorizing bank transactions, matching receipts, suggesting reconciliations and flagging unusual entries. It can't take responsibility for your books. You …

10 min readOct 5, 2026

Should a Small Business Use an AI Chatbot for Customer Service?

A small business should use an AI chatbot when most customer questions are repetitive, factual and answerable from information you control, such as hours, pricing, policies and order …

9 min readOct 1, 2026
Business & Retail Tech · topic

Hiring and teams

6 guides

How to Hire Your First Employee: A Step-by-Step Checklist

To hire your first employee, get an EIN, register for state payroll taxes and unemployment insurance, and set up workers' compensation where required. Then have the new hire …

10 min readOct 17, 2026

1099 Contractor vs W-2 Employee: How to Classify Workers Correctly

A W-2 employee works under your control, and you withhold income tax and pay the employer share of Social Security and Medicare. A 1099 contractor runs their own …

11 min readOct 14, 2026

Using AI to Screen Resumes: Benefits and Legal Risks

AI resume screening can sort hundreds of applications in minutes, but employers stay legally responsible for biased results. Federal anti-discrimination laws apply to automated decisions, NYC requires annual …

11 min readOct 13, 2026

How to Run Payroll for a Small Business

To run payroll, calculate each employee's gross pay, subtract federal and state income tax withholding, Social Security, Medicare and any deductions, then pay the net amount. Deposit withheld …

10 min readOct 20, 2026

Digital Employee Onboarding Checklist: Day 1 to Day 90

A good digital onboarding checklist covers 4 stages. Before day 1, finish paperwork and prepare accounts and a secured device. On day 1, complete Form I-9, turn on …

11 min readSep 29, 2026

Hiring Remote Workers in Other States: Tax and Payroll Rules

When you hire a remote employee in another state, you usually must register as an employer there, withhold its income tax, pay its unemployment insurance, report the new …

11 min readSep 17, 2026
Glossary

Business & Retail Tech terms explained

Full glossary
Angel Investor

An individual who invests personal money in an early-stage startup, usually in exchange for equity or convertible notes.

Annual Recurring Revenue

The yearly value of a company's subscription or contract revenue that is expected to repeat, a key metric for SaaS businesses.

Answer Engine Optimization

Structuring content so search engines, voice assistants, and AI tools can pull it out as a direct answer to a user's question.

Backlink

A link from one website to another; search engines treat links from reputable, relevant sites as a signal of trust and authority.

Bootstrapping

Building and growing a company using personal savings and revenue from customers rather than outside investment.

Business Continuity Plan

A documented plan for keeping essential business operations running during and after a disruption such as an outage, disaster, or cyberattack.

Churn Rate

The percentage of customers or subscribers who stop using a product or cancel a subscription during a given period.

Conversion Rate Optimization

The process of improving a website or app so a higher percentage of visitors complete a desired action, such as buying or booking.

Core Web Vitals

A set of Google metrics that measure real-world page experience: loading speed, responsiveness to input, and visual stability.

Customer Acquisition Cost

The average amount a business spends on sales and marketing to win one new customer, known as CAC.

Customer Relationship Management

Software and practices, known as CRM, for managing a business's interactions with customers and prospects in one shared system.

Generative Engine Optimization

Adapting content so it is accurately found, cited, and summarized by AI-powered search and chat tools that generate answers.

Growth Hacking

A data-driven, experiment-heavy approach to marketing and product design focused on rapidly finding ways to grow a business.

Initial Public Offering

The first time a private company sells shares to the public on a stock exchange, allowing anyone to invest in it.

Key Performance Indicator

A measurable value that shows how effectively a person, team, or company is achieving an important objective.

Landing Page

A focused web page designed for one goal, such as collecting sign-ups or selling a product, usually reached from an ad, email, or search result.