Cheqly Blog about Business Accounts in US

Gen Z Startups in the US: Banking Preferences and Trends

by Cheqly team | December 8, 2025 | Gen Z Startup Banking Trends

The Generation Z cohort, born between 1997 and 2012, enters adulthood as both digital natives and budding entrepreneurs. Platforms like Shopify stores, TikTok-led brands, freelance collectives, and SaaS micro-startups illustrate how many Gen Zers are monetizing skills and online audiences earlier than previous generations. They do so with a strong digital identity and high expectations … Continued

B2B ACH Payments in the US: Key Statistics, Trends, and Future Outlook

by Cheqly team | December 2, 2025 | B2B ACH Payments Trends

B2B‍‌‍‍‌ ACH payments in the US are essential to business finance in the present era. They provide banks with a safe, efficient, and cost-effective way of electronically transferring funds between accounts. ACH processing is at the core of payroll, vendor payments, and recurring billing; hence, it is the vehicle through which billions of transactions are … Continued

How to Analyze Profit Margins in Your Small Business

by Cheqly team | November 28, 2025 | Profit-margin‍‌‍‍‌ Analysis

Profit‍‌‍‍‌ margins signal the efficiency of a business in turning sales into profits, which is a major financial performance indicator. Studies indicate that the average profit margin of American small businesses is between 7 and 10 percent. Such a number points out the necessity of business owners to keep an eye on margins constantly if … Continued

Early-Stage vs. Growth-Stage: Who Benefits More from Venture Debt?

by Cheqly team | November 25, 2025 | Venture Debt for Early Stage Startups , Venture Debt for Growth Stage Startups

Venture debt is a difficult decision for early-stage and growth-stage startups because they usually face different types of financial challenges and opportunities. Venture debt is a non-dilutive form of capital that can extend a startup’s cash runway and provide more flexibility without the need to dilute equity immediately. Venture debt deal activity in the U.S. … Continued

How CFOs Use 409A Valuations to Guide Strategic Decisions

by Cheqly team | November 21, 2025 | CFO 409A Valuation Strategic Decisions

Accurate company valuations are essential for financial leadership in private companies. For CFOs, a 409A valuation is more than an IRS requirement—it’s a strategic tool for compensation planning, investor relations, financial forecasting, and corporate governance. The worldwide 409A valuation services market is expanding at a fast pace, with an estimated value of $2.58 billion in … Continued