Latest articles
![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.
![Payments - the last frontier of customer centricity](https://images.ctfassets.net/40w0m41bmydz/3XJ0eVbjLo6c3kbDmMklvy/dbd96eefa4895595d05c3157d4d1704b/CDT-878_Organic_content_thumbnail_growth_01.png?w=680&h=385&q=50&fm=png)
It's time businesses adopted the mantra of customer choice to payments too.
![5 Overhead Cost Reduction Strategies](https://images.ctfassets.net/40w0m41bmydz/1bhKUs5MUt9IM5eBajoMfX/eed96bc0e1be62b2c827176c440142e4/CDT-878_Organic_content_thumbnail_entrepreneurship_01.png?w=680&h=384&q=50&fm=png)
Our guide to reducing overhead costs in small businesses.
![How to Calculate Total Asset Turnover Ratio](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 asset turnover ratio.
![How to Do a SWOT Analysis](https://images.ctfassets.net/40w0m41bmydz/4uYvGO9GXJtqshi6BAZUZE/1282f19bdfb68b788ec60f28f9546b5a/CDT-878_Organic_content_thumbnail_entrepreneurship_02.png?w=680&h=384&q=50&fm=png)
Explore the importance of SWOT analyses with our definitive guide.
![What Is Break-Even Analysis?](https://images.ctfassets.net/40w0m41bmydz/2FJ7EXJNWTEbdSvX7G00Ti/363fe4fc00f88e50584ec8b5c005408b/CDT-878_Organic_content_thumbnail_financial_mgmt_02.png?w=680&h=385&q=50&fm=png)
Want to know how to do break-even analysis? Find out here.
![Expanding into Europe: The changes you need to make to your payments](https://images.ctfassets.net/40w0m41bmydz/16BMqtNipskRkhev2jgaWu/bd5d1c542730958ed8f5ad2cbc1c3ad3/CDT-878_Organic_content_thumbnail_payments_01.png?w=680&h=385&q=50&fm=png)
You’re a US business and you want to expand into Europe. There are myriad boxes you need to check to make that happen, but there’s one crucial box that’s often overlooked because it’s not so sexy - payments.
![What does days payable outstanding mean?](https://images.ctfassets.net/40w0m41bmydz/1Dy5NMHGzJSefbW3T9tATF/e44a70a0cc8e2229bec6d3150cf4298a/CDT-878_Organic_content_thumbnail_accounting_03.png?w=680&h=384&q=50&fm=png)
Find out how to calculate days payable outstanding, and more.
![Cash Flow Statement: Definition, Methodology & Examples](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 how to prepare a cash flow statement.
![What is depreciation in accounting?](https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=png)
Explore the importance of depreciation in accounting, right here.
![What is a prepayment?](https://images.ctfassets.net/40w0m41bmydz/4pTqgukoxgGpHPNM9ILDaU/c7c603fc8617bd1196c127610ba2998c/CDT-878_Organic_content_thumbnail_payments_03.png?w=680&h=384&q=50&fm=png)
A prepayment is money paid in advance for business costs. Find out more.
![Building a SaaS startup financial model](https://images.ctfassets.net/40w0m41bmydz/4eXAlVvNXB9bLdQ2ojR5VR/9194b7d35539a378b25e3b436d544c00/CDT-878_Organic_content_thumbnail_subscription_02.png?w=680&h=384&q=50&fm=png)
Learn more about how to build a SaaS financial model with our guide.
![A SaaS guide to subscription management](https://images.ctfassets.net/40w0m41bmydz/4eXAlVvNXB9bLdQ2ojR5VR/9194b7d35539a378b25e3b436d544c00/CDT-878_Organic_content_thumbnail_subscription_02.png?w=680&h=384&q=50&fm=png)
Our comprehensive overview of SaaS subscription management.
![The complete guide to optimizing your accounts receivable](https://images.ctfassets.net/40w0m41bmydz/5CdKxonj1sfcbOM0GTNRuS/b14114073c91b4eac60967f81db6fb9f/guides_images_post-covers_complete-guide-to-accounts-receivable-cover.jpg?w=680&h=233&fl=progressive&q=50&fm=jpg)
82% of businesses suffer from poor cash flow at some point. It puts small companies out of business and stops bigger ones from planning for the future. Learn how to avoid being part of the 82% by fixing your accounts receivable with this guide.
![Webinar | How to boost subscription growth with better payment experiences](https://images.ctfassets.net/40w0m41bmydz/3iZS3lDnXkHZ5LdclCF8jX/6a78f5cce4287990c30ed89ebc330d55/CDT-971_NA_SaaS_Webinar_Slide-1920x10801584004436866.jpg?w=680&h=383&fl=progressive&q=50&fm=jpg)
with Michael Krantz, Head of Global Enterprise Partnerships for US at GoCardless
![13 March update: COVID-19 precautions](https://images.ctfassets.net/40w0m41bmydz/2BGCXMVyYmXCtuYn3xtdhW/b2b67fdc4147afc02b63599290946688/CDT-986-Covid-19-update_002.jpg?w=680&h=383&fl=progressive&q=50&fm=jpg)
Steps we're taking to ensure the safety of staff and continuity of our service.
![What is accounts payable and receivable process](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 accounts payable and receivable process? Learn more here.
![ERP system checklist: how to select an ERP system](https://images.ctfassets.net/40w0m41bmydz/29QbOHiWf7BmGT4qi7Q9as/f2c201dbcea29392fa7c98cf52d781b4/CDT-878_Organic_content_thumbnail_subscription_03.png?w=680&h=384&q=50&fm=png)
A guide on how to select an ERP system for your business.