Cheqly team, Author at Cheqly

7 Common International Payment Mistakes Small Businesses Make

by Cheqly team | May 25, 2026 | International Payment Mistakes

International payments are part of the daily routine for small businesses growing worldwide. Whether it is paying foreign contractors, suppliers from other countries, or managing remote teams, cross-border transactions are an essential part of expansion. Global payment flows amounted to $194.6 trillion in 2024, and they are expected to reach $320 trillion by 2032. However, … Continued

Why Your Startup’s Value Shouldn’t Be a Once-a-Year Number

by Cheqly team | May 20, 2026 | Real-Time Startup Valuation

As a founder, you check your business bank account regularly. You track your runway, monitor cash flow, and stay on top of every financial move your startup makes. So why is your company’s valuation still something you only think about once a year? For most early-stage and growth-stage founders, valuation feels like a compliance exercise, … Continued

409A Valuation Challenges for Early-Stage Startups & Solutions

by Cheqly team | May 18, 2026 | 409A Valuation Challenges For Startups

For startups and early-stage companies, valuing shares is a financial requirement as well as a regulatory one. US companies are required by Section 409A of the Internal Revenue Code to determine the fair market value (FMV) of their common stock prior to the issuance of stock options. This valuation determines the strike price for employee … Continued

What Is Operating Cash Flow (OCF): Formula and How to Calculate It

by Cheqly team | May 15, 2026 | Operating Cash Flow (OCF)

Around 82% of small business failures are linked to poor cash flow management, making it one of the most critical indicators of whether a business will survive or struggle. Yet many founders and finance teams focus heavily on profit, often overlooking how cash actually moves through the business on a day-to-day basis. Cash flow issues … Continued

How Lenders Evaluate Startup Risk in Venture Debt

by Cheqly team | May 13, 2026 | Startup Venture Debt Risk Evaluation

Raising venture debt has emerged as an increasingly significant funding method for startups in the US, reaching a record $62.4 billion in 2025, up from $61 billion in 2024, amid economic shifts such as higher interest rates following the 2024 venture capital downturn, despite venture capital rebounding to $339.4 billion. Founders use it to access … Continued