Latest articles
![ACH return codes : reasons and meanings](https://images.ctfassets.net/40w0m41bmydz/6jgeuuOi71Ps3mfQ5hyWek/d35db316c130f1ce5c66cbe610d981a5/CDT-878_Organic_content_thumbnail_payments_04.png?w=680&h=384&q=50&fm=png)
What happens if an ACH payment is returned? Find out right here.
![Accounts payable vs. accounts receivable](https://images.ctfassets.net/40w0m41bmydz/7DLe4dghxeYE2jzXWA5FOG/4395c8d722bf521280b528867740eb9c/CDT-878_Organic_content_thumbnail_cashflow_03.png?w=680&h=384&q=50&fm=png)
What is the difference between accounts receivable and accounts payable?
![What are incremental cash flows?](https://images.ctfassets.net/40w0m41bmydz/3lv39jEAGZJMI63ml7KHgk/0d6d0ca5899902cdc0fdf4a15144f1fd/CDT-878_Organic_content_thumbnail_cashflow_04.png?w=680&h=384&q=50&fm=png)
Learn how to calculate incremental cash flow with our comprehensive guide.
![How to manage a credit balance in accounts receivable](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Our comprehensive guide to managing a credit balance in accounts receivable.
![How does depreciation affect cash flow?](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/477fa4933b4d468e63fdd2932ccfecec/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Want to know more about depreciation in cash flow statements? Read on.
![A small business guide to debt reduction strategies](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/6f459d4bf82ba3bf286fc7770096379e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Our comprehensive guide to debt reduction strategies for small business.
![Net Cash Flow Formula | Definition & How to Find It](https://images.ctfassets.net/40w0m41bmydz/3lv39jEAGZJMI63ml7KHgk/0d6d0ca5899902cdc0fdf4a15144f1fd/CDT-878_Organic_content_thumbnail_cashflow_04.png?w=680&h=384&q=50&fm=png)
Want to know how to find net cash flow? Check out our helpful guide.
![Is accounts receivable considered an asset?](https://images.ctfassets.net/40w0m41bmydz/5k4G6L6FU0Su0hb323lJ1M/477fa4933b4d468e63fdd2932ccfecec/CDT-878_Organic_content_thumbnail_cashflow_02.png?w=680&h=384&q=50&fm=png)
Why is accounts receivable an asset? Find out with our definitive guide.
![Net Profit Margin](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/0fa548c97de33a4d6e83e55e14ebe897/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
![Contribution margin: What is it, how do you calculate it, and what does it tell us?](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/6f459d4bf82ba3bf286fc7770096379e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
What is contribution margin? Check out our guide for more information.
![What are trade receivables?](https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png)
Find out everything you need to know about trade receivables, right here.
![Customer Engagement Solutions for SaaS Companies](https://images.ctfassets.net/40w0m41bmydz/6xWIJ7Xp1Op74Tc6YycJuT/e1fd55d1161d5ea7516d983994c0d5cb/CDT-878_Organic_content_thumbnail_retention_04.png?w=680&h=384&q=50&fm=png)
Our top tips for building an effective customer engagement strategy.
![10 Customer Retention Strategies to Boost Customer Loyalty](https://images.ctfassets.net/40w0m41bmydz/5xFvgvKKPk8PUdxig1s530/da8fddbd3b722f4842a3271aa1d76e07/CDT-878_Organic_content_thumbnail_retention_03.png?w=680&h=384&q=50&fm=png)
Our top customer retention strategies to keep customers engaged with your brand.
![What is bank debit?](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/bd5d1c542730958ed8f5ad2cbc1c3ad3/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
Learn all about this umbrella term for various bank-to-bank payments schemes.
![What Is the Quick Ratio / Acid Test?](https://images.ctfassets.net/40w0m41bmydz/1kQ3ksHVz5b8ki7AyL84ai/0fa548c97de33a4d6e83e55e14ebe897/CDT-878_Organic_content_thumbnail_financial_mgmt_01.png?w=680&h=385&q=50&fm=png)
Find out everything you need to know about how to calculate quick ratio.
![How to Grow Your Business](https://images.ctfassets.net/40w0m41bmydz/1Vowvm6fI2j3HKwGN7EfGX/041d1573aa9489b68dac29c2b8fb1709/top-questions-growth-hero.jpg?w=680&h=385&fl=progressive&q=50&fm=jpg)
We searched for the most-asked questions about growth. Here are the answers.
![How financial projections can help your business](https://images.ctfassets.net/40w0m41bmydz/33loAp4caSj6BlCYZFJnGK/ff93eea720ddffd34f559277350b2e09/CDT-878_Organic_content_thumbnail_financial_mgmt_03.png?w=680&h=385&q=50&fm=png)
Want to learn how to make financial projections for small business? Here’s how.
![How to get an Employer Identification Number (EIN)](https://images.ctfassets.net/40w0m41bmydz/18XFs12FhSe0Ou93BDNQqc/634c3d6c15f6f5a44cdc7902230624cb/CDT-878_Organic_content_thumbnail_starting_a_business_02.png?w=680&h=385&q=50&fm=png)
Everything you need to know about Federal Employer Identification Numbers.
![The SaaS Churn Bible – eBook in association with Chargify](https://images.ctfassets.net/40w0m41bmydz/2cIBWEnSatYy6pS6ouo7nw/b2376bc613ee56a00fc43f5b975e5a4c/guides_images_post-covers_saas-churn-bible-us.jpg?w=680&h=233&fl=progressive&q=50&fm=jpg)
Seasoned SaaS leaders share insights and actionable tips to help US businesses manage and combat churn.
![Why does MRR churn matter for SaaS businesses?](https://images.ctfassets.net/40w0m41bmydz/3T9825YI6ex1vE6pEiJusS/9df87cceef53776aa78c664d442b786d/CDT-878_Organic_content_thumbnail_subscription_01.png?w=680&h=384&q=50&fm=png)
Get the lowdown on MRR for SaaS businesses with our comprehensive guide.
![How to calculate WACC (weighted average cost of capital)](https://images.ctfassets.net/40w0m41bmydz/3eElXT4dImlsLYjGKImZNx/6f459d4bf82ba3bf286fc7770096379e/CDT-878_Organic_content_thumbnail_accounting_04.png?w=680&h=384&q=50&fm=png)
Learn how to calculate your business’s weighted average cost of capital.
![How to develop an effective annual plan](https://images.ctfassets.net/40w0m41bmydz/71hnonhomQX74z5mJzYU9v/62e3169320829aea2e034bc526e82c75/CDT-878_Organic_content_thumbnail_starting_a_business_03.png?w=680&h=385&q=50&fm=png)
Find out how to make an annual operating plan with our simple guide.
![The difference between IaaS, PaaS, and SaaS](https://images.ctfassets.net/40w0m41bmydz/1AxKsJ0DUiqLbUfveL8qLt/0ae1a38dc9c9d92b99e3a55cf80c2c13/CDT-878_Organic_content_thumbnail_subscription_04.png?w=680&h=384&q=50&fm=png)
Find out more about IaaS, PaaS, and SaaS services with our handy guide.
![GoCardless & Zuora team up to provide US subscription businesses the best way to collect recurring payments](https://images.ctfassets.net/40w0m41bmydz/3YLjCctgZlH09hpQwdb1Xo/2ca9df4805476277562756e50591ea8c/Zuora_ACH_Launch.jpg?w=680&h=385&fl=progressive&q=50&fm=jpg)
GoCardless & Zuora now offer ACH debit for US subscription businesses.