Susan Guillory

About the Author

Susan Guillory is an accomplished writer and author specializing in personal finance, business, lending, and credit cards. She enjoys educating her audiences about the nuances of money, and her work has been featured on numerous sites, including Forbes, AllBusiness, and Cision.

The latest articles from Susan Guillory

Going to College

Is Tuition Insurance Worth It?

Susan Guillory | November 02, 2026

SMB

What Is Working Capital & How Do You Calculate It?

Susan Guillory | November 02, 2026

SMB

GAAP vs IFRS: Key Differences Explained

Susan Guillory | November 02, 2026

SMB

What Is a Classified Balance Sheet?

Susan Guillory | October 30, 2026

SMB

Pre-Seed Funding vs Seed Funding

Susan Guillory | October 28, 2026

SMB

What Is Annual Revenue? Meaning, Examples & Formula

Susan Guillory | September 11, 2026

SMB

What Is Working Capital Requirement (WCR)?

Susan Guillory | September 09, 2026

SMB

What is Equity Financing? Debt vs. Equity Financing

Susan Guillory | September 09, 2026

SMB

Working Capital Adjustment Defined and Formula

Susan Guillory | September 09, 2026

SMB

Six Types of Business Insurance for Small Businesses

Susan Guillory | September 09, 2026

SMB

Million-Dollar Business Loans: A Complete Guide

Susan Guillory | September 03, 2026

SMB

What Is a Business Cycle? How Economic Phases Impact Growth

Susan Guillory | August 27, 2026

SMB

Small Business Payroll Loans: What They Are and How to Use Them

Susan Guillory | August 27, 2026

SMB

Debt-to-EBITDA Ratio Explained

Susan Guillory | August 27, 2026

SMB

Creating and Managing a Small Business Budget

Susan Guillory | August 19, 2026

SMB

Inorganic Business Growth Explained

Susan Guillory | August 10, 2026

SMB

Business Credit vs Personal Credit Differences

Susan Guillory | July 29, 2026

SMB

What Are Key Business Financial Statements?

Susan Guillory | July 29, 2026

SMB

Guide to Business Loans for Beauty Salons

Susan Guillory | July 29, 2026

SMB

Business Vendor Selection: 6 Considerations in 2026

Susan Guillory | July 22, 2026

SMB

How Do You Get a Small Business Loan Without Collateral?

Susan Guillory | July 22, 2026

SMB

Do You Have to Pay Back SBA Loans?

Susan Guillory | July 17, 2026

SMB

Sole Proprietorship vs. LLC: Pros and Cons

Susan Guillory | July 17, 2026

SMB

NOI vs EBITDA: Key Differences, Formulas, and When to Use Each

Susan Guillory | July 09, 2026

SMB

Why Do Business Owners Reinvest Their Profits?

Susan Guillory | July 09, 2026

SMB

How Does Merchant Cash Advance Consolidation Work?

Susan Guillory | July 08, 2026

SMB

What Early-Stage Investors Are & How They Work

Susan Guillory | June 24, 2026

SMB

Getting a Commercial Equity Line of Credit (CELOC)

Susan Guillory | June 23, 2026

SMB

How to Dispute a Business Credit Report

Susan Guillory | June 23, 2026

SMB

Installment Loan vs Revolving Credit: Know the Difference

Susan Guillory | June 23, 2026

SMB

Small Business Loans for Sole Proprietors

Susan Guillory | June 23, 2026

SMB

How Do You Categorize Expenses for a Small Business?

Susan Guillory | June 22, 2026

SMB

Guide to Alternative Small Business Loan Options

Susan Guillory | June 09, 2026

SMB

Guide to Business Loan Down Payments

Susan Guillory | June 09, 2026

SMB

A Guide to E-Commerce Business Loans

Susan Guillory | June 05, 2026

SMB

What Trucking Business Loans Are & How They Work

Susan Guillory | June 04, 2026

SMB

How to Write a 5-Year Business Plan

Susan Guillory | June 03, 2026

SMB

Small Business Loans for Rental Property

Susan Guillory | May 29, 2026

SMB

Are Business Loans Considered Income?

Susan Guillory | May 28, 2026

SMB

What Is Accounts Receivable Financing?

Susan Guillory | May 27, 2026

SMB

How Much Does It Cost to Start a Nonprofit?

Susan Guillory | May 22, 2026

SMB

What Are Business Audits? How Can You Prepare for Them?

Susan Guillory | May 22, 2026

SMB

How to Start a Minority Woman-Owned Business

Susan Guillory | May 21, 2026

SMB

Traditional Income Statements, Explained

Susan Guillory | May 21, 2026

SMB

Small Business Balance Sheets (Free Template)

Susan Guillory | May 21, 2026

SMB

Guide to Grant Writing for Small Businesses

Susan Guillory | May 20, 2026

SMB

6 Important Financial Ratios Made Easy for Small Business Owners

Susan Guillory | May 19, 2026

SMB

Guide to Financial Projections

Susan Guillory | May 15, 2026

SMB

Credit Card Funding for Startups: Does It Work?

Susan Guillory | May 12, 2026

SMB

Can You Get a Business Credit Card Before You Open Your Business?

Susan Guillory | May 12, 2026

SMB

Conventional Business Loans vs. SBA Loans

Susan Guillory | May 12, 2026

SMB

Small Business Loans for Minorities: A Complete Guide

Susan Guillory | May 06, 2026

SMB

Credit Memo vs. Debit Memo Explained

Susan Guillory | April 30, 2026

SMB

What Is the Minimum Credit Score for a Business Loan?

Susan Guillory | April 28, 2026

SMB

5 Key Business Fundamentals To Know

Susan Guillory | April 28, 2026

SMB

EBITDA vs. Gross Profit: Examining the Differences and Similarities

Susan Guillory | April 28, 2026

SMB

How Do NGOs Get Funding

Susan Guillory | April 24, 2026

SMB

Understanding Business Debt Consolidation Loan Options

Susan Guillory | April 21, 2026

SMB

Guide to Buying Out a Business Partner

Susan Guillory | April 13, 2026

SMB

10 Things Business Loans Can Be Used For

Susan Guillory | April 01, 2026

Family Finances

Refinancing Graduate Student Loans: All You Need to Know

Susan Guillory | March 19, 2026

SMB

Guide to Trial Balance Sheets

Susan Guillory | March 17, 2026

SMB

Is the Interest on Your Business Loan Tax Deductible?

Susan Guillory | March 10, 2026

Preparing for Retirement

Retiring With Student Loan Debt

Susan Guillory | March 09, 2026

SMB

Applying for a Microloan for Your Startup

Susan Guillory | March 05, 2026

SMB

16 Business Loans and Grants for Hispanic-Owned Businesses

Susan Guillory | March 02, 2026

SMB

A Guide to Liquor Store Loans

Susan Guillory | March 02, 2026

SMB

Guide to Silent Partner Agreements

Susan Guillory | February 27, 2026

SMB

Can Small Business Owners File for Unemployment?

Susan Guillory | February 26, 2026

SMB

22 Small Business Tax Deductions to Know in 2026

Susan Guillory | February 03, 2026

Credit

How Do Credit Card Payments Work?

Susan Guillory | January 23, 2026

SMB

What Are the 5 Stages of Business Growth?

Susan Guillory | January 23, 2026

SMB

7 Things to Know About Small Business Cost of Capital

Susan Guillory | January 20, 2026

SMB

Business Auto Loans: How to Qualify

Susan Guillory | January 08, 2026

SMB

Unsecured Business Line of Credit for Startups

Susan Guillory | January 08, 2026

SMB

No-Doc Business Loans: How To Qualify

Susan Guillory | January 08, 2026

SMB

Large Business Loans: Definition, How to Qualify & More

Susan Guillory | January 02, 2026

SMB

SBA Express Loans Explained: Eligibility, Uses & Application Steps

Susan Guillory | January 02, 2026

Fresh Out of School

Changing Student Loan Repayment Plans: Understanding Your Options

Susan Guillory | December 26, 2025

Credit

Can You Consolidate Student Loans and Credit Card Debt Together?

Susan Guillory | December 05, 2025

Going to College

9 Top Online MBA Programs

Susan Guillory | December 05, 2025

Going to College

2026 Top Game Design Schools and Colleges in the U.S.

Susan Guillory | November 18, 2025

Growing Wealth

Net Worth Calculator by Age Table with Examples

Susan Guillory | November 07, 2025

Family Finances

Grocery Budget Calculator Table with Examples

Susan Guillory | November 07, 2025

Building Your Career

How Much Does a Flight Attendant Make a Year?

Susan Guillory | November 04, 2025

Building Your Career

How Much Does a Physical Therapist Make a Year?

Susan Guillory | November 04, 2025

Building Your Career

How Much Does a Dentist Make a Year?

Susan Guillory | November 04, 2025

Building Your Career

How Much Does a Veterinarian Make a Year?

Susan Guillory | November 04, 2025

Building Your Career

How Much Does a Pharmacist Make in a Year?

Susan Guillory | October 29, 2025

Family Finances

Gas Cost Trip Calculator Table with Examples

Susan Guillory | October 23, 2025

Debt Payoff

2026 Debt Snowball Payoff Calculation Table with Examples

Susan Guillory | October 23, 2025

ALR

Can You Remove a Cosigner From a Car Loan?

Susan Guillory | October 20, 2025

ALR

Guide to Writing Off a Car for Business Use

Susan Guillory | October 20, 2025

ALR

RV Refinancing: Everything You Need to Know

Susan Guillory | October 20, 2025

ALR

Proof of Insurance: Is It Needed to Refinance My Car?

Susan Guillory | October 20, 2025

SMB

What Is Unearned Revenue?

Susan Guillory | September 25, 2025

SMB

How Much Can a Small Business Make Before Paying Taxes?

Susan Guillory | August 26, 2025

SMB

30 Small Business Grants and Grant Databases for Women in 2025

Susan Guillory | August 20, 2025

ALR

How Much Does It Cost to Refinance a Car?

Susan Guillory | August 19, 2025

ALR

Guide to Upside Down Car Loans

Susan Guillory | August 19, 2025

Budgeting & Goals

7 Life Events You Should Financially Prepare For

Susan Guillory | July 21, 2025

Student Loans

Is Getting a Degree in Marketing Worth It?

Susan Guillory | July 17, 2025

SMB

10 Small Business Grants for Minorities

Susan Guillory | July 17, 2025

Student Loans

The 14 Best Jobs for MBA Graduates

Susan Guillory | July 16, 2025

Insurance

Does Everyone Need an Estate Plan?

Susan Guillory | July 15, 2025

Home Ownership

Should I Sell My House? Reasons to Sell (or Wait)

Susan Guillory | July 08, 2025

SMB

Small Business Grants: Where to Find Funding

Susan Guillory | July 08, 2025

SMB

Pro Forma Income Statements: A Complete Guide

Susan Guillory | July 07, 2025

ALR

When Should or Shouldn’t You Refinance a Car Loan?

Susan Guillory | June 13, 2025

ALR

Can You Refinance Your Auto Loan After Repossession?

Susan Guillory | June 13, 2025

ALR

Financing a Used Car With Over 100K Miles

Susan Guillory | May 30, 2025

Growing Wealth

What Is a Deed in Lieu?

Susan Guillory | May 29, 2025

SMB

Accounts Payable vs Notes Payable: How They Compare

Susan Guillory | May 23, 2025

Budgeting & Goals

What Factors Affect Your Credit Score?

Susan Guillory | April 23, 2025

Growing Wealth

What Are Vanilla Options? Definition & Examples

Susan Guillory | March 23, 2025

Investing

What Is a Robo Advisor?

Susan Guillory | January 07, 2025

Life & Career

Top 10 Fun Things to Do When Visiting San Diego

Susan Guillory | August 11, 2023

Credit

Top 10 Fun Things to Do When Visiting Nashville

Susan Guillory | July 24, 2023

Credit

Top 10 Fun Things to Do When Visiting New Orleans

Susan Guillory | July 24, 2023

Credit

Top 10 Fun Things to Do When Visiting Orlando

Susan Guillory | July 24, 2023

Credit

Top 10 Fun Things to Do When Visiting Key West

Susan Guillory | July 24, 2023

Credit

Top 10 Fun Things to Do When Visiting Sedona

Susan Guillory | July 24, 2023

Credit

Top 10 Fun Things to Do When Visiting Boston

Susan Guillory | June 14, 2023

Budgeting & Goals

Top 10 Fun Things to Do When Visiting San Francisco

Susan Guillory | June 12, 2023

Budgeting & Goals

Top 10 Fun Things to Do When Visiting Honolulu

Susan Guillory | June 12, 2023

Budgeting & Goals

Top 10 Fun Things to Do in Maui

Susan Guillory | June 12, 2023

Budgeting & Goals

Should I Invest if I Still Have Debt?

Susan Guillory | September 29, 2021

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