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Trust your business banking with TD

Our Relationship Team is committed to your business. We will take the time to understand your business, and provide banking solutions that can help you achieve your business goals.

Make Sure Your Small Business is Prepared for the Holidays. The holiday season is quickly approaching. And small businesses need to prepare early. In this Plousio post, Bryanna Larrea shares some steps you can take to make sure your business is ready for the busy holiday season. Use Visual Content to Impact Your Social Media Presence. You often hear people say, “don’t look back” but at Focus7 we believe that in order to build your personal or business brand, that is exactly what you should do. When we work with a client, we want to get to the heart of their business and to do that, we have to look back, back to the essence of the leaders and their personal purpose. Now is the time to start to measure your business and use metrics to take your business to the next level. — Kayla Rossiter, Business Development Specialist, South Central Minnesota SBDC 5.

We also offer expertise in many specific business segments which include:

We will take the time to understand your business, and provide the banking products, services and advice to help achieve your business goals.

Our local Credit and Cash Management Relationship Teams ensure you have access to the products, services and support you need to manage your business banking needs.

Explore the different types of fraud, how to identify them, and how to minimize their impact.

REMCO

We begin inside one of the REMCO warehouses, located in Montreal. A pallet of boxes is lifted by a forklift. We see garments hanging on a rack and boxes moving along a conveyor. Randy Cohen, President of REMCO sits behind his desk in his office, explaining how his company has been helped by TD. As he strolls through the warehouse, we hear how TD provided financing for the purchase of the head office in Toronto. Shots of Randy throughout his day show him examining boxes and taking meetings. He speaks about achieving goals and the continued growth of REMCO, with the critical support of TD through truck financing and lending solutions. We end with Randy walking back into his office.

Robinson Solutions

We open up on Michael Robinson, CEO of Robinson Solutions, looking out at the view outside his high rise office building in downtown Toronto. We see him sitting in a boardroom explaining how the recession negatively affected his company. It was at this time that he began working with TD. We see several scenes of Michael in meetings with colleagues. He goes on to talk about TD having a deep understanding of his business challenges and seeing opportunity. We see Randy working at his computer while he explains his experience with QuantumShift, allowing his continued growth as a business professional. We then see him walking through the office and interacting with colleagues. Michael goes on to explains how TD has given him confidence to move forward with an acquisition, before we end with a shot of him walking to his desk.

Van Dieten Dairy

We open on an aerial shot of the Van Dieten Dairy Farm, then move to a scene of cows grazing outside. While showing scenes of the working dairy farm, we hear Derek Van Dieten, owner and operator of Van Dieten Dairy Farms talking about his TD Relationship Manager. As they both walk through the dairy farm Derek talks about how his Relationship Manager used to be a dairy farmer and has a deep understanding of the industry. We follow Derek as he works with the cows and interacts with employees. He goes on to talk about his desire to stick to dairy farming, instead of worrying about financials because TD is there to help. We see more scenes of Derek feeding cows and playing with his children. He then talks about his trust in TD and his Relationship Managers, which allow him to focus on doing what he loves and watching his children grow up. We end on a scene of Derek and his family walking hand in hand toward the farm in Seaforth.

Dedicated service

A dedicated, local team allowing for deeper customer relationships and better service.

Deep dive

We take the time to learn about your business and industry so that we can react to changes in the marketplace and anticipate your business's evolving banking needs. Your Relationship Team can also connect you with other specialists at TD to help move your business forward.

Implementation plan

We will meet with your team to develop an implementation plan. By understanding the way you do business and your technology set up, we can make recommendations that take into account the unique aspects of your business.

Implementation

Your local Relationship Team will work collaboratively with you and keep you updated throughout the process so that you can focus on your business.

Ongoing support

Once you're up and running, we will continue to actively manage our relationship, looking for ways to help you manage and grow your business.

Need some help? Contact us.

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Keeping your financial records in order is hugely important to the success of your business. Not only does it keep you up-to-date on your profits and losses, but legally speaking, it’s necessary to have your records straight. It makes the close of your fiscal year easy to execute by ensuring that all of your required statements are in the right place. This is especially important for dealing with the IRS.

Understanding just what exactly goes into a fiscal year close can be confusing, however, especially for new business owners. Even if you have an accountant on staff or retainer, it’s still important to keep track of your finances yourself. It just makes good business sense for you, as the owner, to understand what exactly is happening with your money.

Let’s examine the steps you should take when closing out your small business’ books for the end of the fiscal year.

Steps to Take Before the Last Day of the Fiscal Year

1. Review your profit and loss statements

Your business’ profit and loss statements will help you get a snapshot of its financial performance. What does your revenue look like now that the year is almost through? Do you anticipate any other large expenses to hit your books? If not, evaluate how much money you have available, and see if it might be wise to make a larger purchase before the end of the year so that the item can depreciate.

2. Verify Your Vendor and Lender Files

It’s important to review the paperwork—including 1099s—associated with any of your vendors, as well as information relating to any current outstanding loans. Make sure all of your vendor 1099 forms are up-to-date and accurate. You also want to make sure the 1099 information has been inputted correctly into your accounting system so that it’ll populate the forms when printed.

3. Take Inventory

If you sell products, conduct an inventory assessment and compare the results to your last inventory report. Make any necessary adjustments so that you have an accurate account of how much capital you have wrapped up in your current inventory.

Even if you don’t sell products, it’s not a bad idea to take an inventory of elements in your office, such as equipment, computers, office supplies, etc. Make a list of any broken equipment or equipment in need of repair. If you lease any electronics, such as copiers, pull out the contract associated with it and make sure the terms are still appropriate for your situation.

4. Look for Benefits to Report on Your Outgoing W-2

As a business that issues W-2s, these benefits relate to the organization as a whole and can reflect things such as health and life insurance, transportation subsidies, educational reimbursement programs and more.

5. Create a Budget for the Following Year

It’s never too early to plan. By reviewing your statements from the current year, you’ll start to see a pattern in the things you need to budget and plan for in the next year. By taking stock of your expenditures from the current year, you’ll have a better understanding of where to focus your efforts moving forward.

Steps to Take After the First Day of the New Fiscal Year

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1. Print Out Your End-of-Year Statements

You should keep them as electronic files, of course, but it still might be helpful to print out your profit and loss statement and balance sheet at a minimum. Accounting software like QuickBooks can help generate these financial reports, or you can reach out to an accountant to do it for you.

If you have a sales staff, you might want to print out sales per salesperson. If you’re curious about your clientele, you might also want to take a look at how much each client generated in revenue over the past year. As with most metrics, your end-of-the-year statements are as useful as you want them to be. Choose the data that will tell you what you need to know.

2. Make Depreciation Entries

Depending on how savvy you are with your finances, you may need some help from your accountant for this step. The benefit of listing depreciation is that it decreases the amount of taxable income you must report on your taxes. There are four key characteristics of assets that are considered depreciable by the IRS:

• The asset must be wholly owned by the company.
• The asset is used to produce income.
• The asset must have a determinable lifespan.
• The asset should last more than one year.

There is also a list of assets excluded by the IRS that you need to cross-reference.

3. Reconcile All of Your Accounts

Go through all of your credit and bank accounts for the business, and reconcile all charges and payments. Make sure the statements match with your records, and investigate any unexplained discrepancies.

4. Print and Mail Out Tax Forms

If your fiscal year coincides with the calendar year, you must print and mail certain forms by a certain time. If your fiscal year doesn’t coincide with the calendar year, some of these deadlines may still apply, so be sure to double-check with your accountant.

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• 1099s: These forms should be mailed no later than January 31 to any independent contractors you hired. Don’t delay in case there are errors.
• 1096: This form must be mailed to the IRS no later than February 28.
• Payroll Forms (e.g. W-2, W-3, 940, 941): Print and mail these forms as soon as you can, especially if you’re handling it yourself and not asking an accountant or firm to do it. Remember that your employees cannot file their taxes until they receive a W-2, and many people like to file as soon as possible.

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The end of the fiscal year is a crazy time for any business, but smaller businesses feel the pinch even more due to limited staffing and skill-set availability. Prepare yourself and make sure to cross off all of the steps necessary for a successful and responsible end of your fiscal year.

Looking to reduce your bills in the new fiscal year? If so, here are seven ways to instantly reduce your business expenses.