A Complete Guide to 409A Safe Harbor

by Cheqly team | | 409A Safe Harbor

Stock options are a powerful way to encourage your employees to work toward the success of the company by giving them a stake in its growth. That said, you can’t just hand out stock options without a 409A valuation. This valuation is mandated by the Internal Revenue Code (IRC) and is necessary to establish the … Continued

Business Credit Inquiries: Understanding Soft Pull vs Hard Pull

by Cheqly team | | Soft Pull vs Hard Pull

Business credit inquiries are essential for financial institutions, lenders, and vendors to evaluate a company’s creditworthiness. It is quite expected that if you are seeking financing, opening a new account, or even carrying out a normal credit review, your business credit report will be checked. There are two main types of credit inquiries: soft pulls … Continued

How Do ACH Prenotes Work? A Simple Guide

by Cheqly team | | ACH Prenotes

The ACH Network is expanding at a rapid pace, having handled 8.9 billion transactions with a total value of $24.1 trillion in the first quarter of 2026, according to NACHA. Also, Same Day ACH transactions have risen by 23.6% year over year, amounting to 403 million payments, which indicates strong demand for fast and efficient … Continued

Card-Present Transactions: A Complete Guide for Businesses

by Cheqly team | | Card Present Transactions

Today, businesses accept payments in different forms. Though digital payments are growing, physical payment methods still have their own user base. Among those physical methods, card-present transactions are one of the most widely used. They are typically more secure against counterfeit fraud because physical presence allows for stronger authentication. In fact, Visa reported an 80% … Continued

PAYDEX Score: What It Is and How to Improve It

by Cheqly team | | PAYDEX Score

If you’re applying for a bank loan, seeking funding from an investor, or even trying to arrange trade credit terms with a supplier, you will probably discover that the institution at the other end of the deal is interested in your Paydex score. Your Paydex score acts like a business credit score that indicates your … Continued

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