25 practical finance guides for small businesses in trades, services and hospitality — and the people who work in them.
Errores que dejan inservible el plan de negocios de una pyme de servicios: numeros inventados, tu sueldo fuera, y un documento que no puedes defender.
How a service-business plan sets your price: the cost, the hours, and the margin that have to be in the number before you quote the next job.
Cuando conviene actualizar el plan de negocios de una pyme de servicios: senales concretas, cada cuanto revisarlo, y que partes se quedan viejas primero.
The financial projections lenders actually ask service businesses for: the three statements, the assumptions that hold them up, and how to build them in a…
Como armar un caso claro de viabilidad para tu negocio de oficios o servicios: numeros, plan y prueba de demanda sin inventar metricas.
A practical way to estimate startup capital for a trades or service business: cash before the first paid job, and how the plan holds it.
Discover the best small business funding options for your service or trade business, from loans to grants. Learn how to align funding with your business…
Calcula cuánto debes cobrar por hora. Calculadora gratis y la fórmula: gastos fijos, el sueldo que quieres, horas facturables reales y tu margen.
Work out how many jobs a month cover your costs. A free break-even calculator plus what to do when the number is higher than you can sell.
How to price house cleaning by the job instead of the hour, what to charge for a deep clean and a move-out, and a calculator built on your own costs.
What an electrician should charge per hour, how to price by the job instead, and a free calculator that builds the rate from your own overhead.
What a plumber should charge per hour, how to build a flat-rate price sheet from it, and a free calculator that works it out from your own overhead.
Work out what your hour has to sell for. A free calculator plus the formula: overhead, the pay you want, real billable hours and your margin.
A strategic marketing budget small business owners can rely on is crucial for growth, not just spending. Learn how to calculate, allocate, and track your…
Optimiza gastos en tu negocio de oficios con IA: detecta fugas de dinero, negocia mejor con proveedores y maximiza tus márgenes con Moil.
AI pricing for bilingual trades businesses: price jobs by real costs and demand, quote in English or Spanish, and protect your margins.
Subvenciones para negocios hispanos: dónde encontrarlas, cómo aplicar y cómo preparar tu negocio de oficios o servicios para conseguirlas.
Flujo de caja para contratistas: estrategias y herramientas con IA para cobrar antes, prever gastos y mantener tu negocio de oficios rentable.
Premium pricing for technicians explained: flat-rate jobs, good-better-best options and diagnostic fees that earn $150-200/hour without losing work.
Contractor profit margins explained: gross vs operating vs net, how to calculate job-level profitability, and the leaks that quietly eat your pay.
How a material price escalation clause, quote expirations and deposits protect a contractor's margin when lumber and copper prices move.
How to raise prices without losing customers: the arithmetic that proves you can afford to, plus notice timing and word-for-word scripts.
How to get a small business loan as a contractor: SBA loans, equipment financing, lines of credit, and the business plan lenders want to see.
The contractor tax deductions trades owners miss most — vehicle, tools, home office, retirement — and how to track them without an April panic.
What a first employee actually costs — payroll taxes, workers comp, benefits — and the revenue you need before you hire. Moil writes the plan for $25/month.