The Burn Rate Report · Articles
Every piece, newest first
Runway, burn and where the cash sits. Nothing here comes from a vendor blog, and where a number is a model rather than a measurement it says so.
2026-10-05 · 10 MIN
High yield business checking: Bank Index scores the interest line, and the best rates sit outside the checking account
High yield business checking compared on Bank Index: Bluevine and Mercury score 8.0 on interest, while Bank of America pays 0.01 percent on business savings.
2026-09-24 · 9 MIN
Startup friendly banks, by the numbers: the SVB successor scores 8.0 for startups and 4.5 overall, and the reason is a price list nobody publishes
Bank Index scores 8 banks and fintechs on a line called Startups and VC-backed companies. The venture banking specialists lead it and then sink on the.
2026-09-23 · 11 MIN
How to check a bank’s financial health before you park a round: capital, uninsured deposits and the date on every number
Silicon Valley Bank’s last year-end filing passed every capital test, with a 7.96 per cent leverage ratio. About 94 per cent of its domestic deposits were.
2026-09-16 · 10 MIN
Payroll follows the employee, not the company, and one remote hire changes 3 filings in the first 20 days
New hire reports go to the state where the person works within 20 days. California wants registration within 15 days of paying more than 100 dollars. And.
2026-09-16 · 11 MIN
A money market sweep and a Treasury bill are not the same decision, and the difference only shows up on the worst day
Since the SEC rule of July 2023, institutional prime funds must charge a liquidity fee when daily redemptions pass 5 per cent of assets, and government funds.
2026-09-11 · 12 MIN
The 30 days run from the transfer, not from the signature, and there is no form anywhere that buys you more of them
The election has to be filed no later than 30 days after the property was transferred. It goes by post. Two copies are compulsory and sit inside a.
2026-08-31 · 12 MIN
Your operating account and your reserve account are one account, and the FDIC says so in a sentence we had never read
Splitting company cash across two accounts at the same bank buys nothing at all. Only a second charter does. Fourteen banks have closed since March 2023.
2026-08-24 · 10 MIN
Your payroll tax deposit schedule was decided before the year started, and one bonus can override it overnight
The schedule comes from a lookback that closed on 30 June, not from how often you run payroll. Crossing 100 thousand dollars of liability moves you to next.
2026-08-24 · 11 MIN
Post money means post the safes, not post the round, and the option pool moved sides
The cap is post all the safe money and it is not post the Series A money. In the guide's own worked example the founders give up 52.62 per cent, and the pool.
2026-08-24 · 11 MIN
A 409a valuation is not an invoice, it is a shift in the burden of proof
The regulation never tells you to buy one. It gives you a presumption that can only be knocked down by showing the method was grossly unreasonable, and it.
2026-08-24 · 12 MIN
Qualified small business stock: the five year rule stopped being the whole rule in July 2025
Three years now takes half the gain out of income. The test that decides whether your shares were ever eligible runs at the raise, not at the exit, and it.
2026-08-17 · 12 MIN
R&D tax credit payroll offset: the 500,000 a pre revenue company can take in cash
I told founders for years that the research credit is useless before revenue. It is not, it turns into payroll tax cash, and the election has a deadline you.
2026-08-14 · 10 MIN
The corporate card question everybody researches, and the one the record says matters
Getting a card generates 10,990 federal complaints a year. Disputing something already on the statement generates 27,556. The ratio is 2.5 to 1 against the.
2026-08-05 · 12 MIN
Business sweep account: what it costs, when you need one, and the cover you already have
Ownership category, sweep networks and treasury bills compared, plus the startup corporate card limit that moves with your balance.
2026-08-04 · 11 MIN
Delaware C corp: the two tax calculations, and the seventy times between them
The state bills you on the method that knows the least about you. The second calculation is the one you pay, it is indexed to your last round rather than to.
2026-08-02 · 10 MIN
Best startup bank account: the question is structure, not brand
A seed round sitting in one account leaves four fifths of it outside deposit insurance. The best bank for startups question is a structure question first.
2026-07-29 · 13 MIN
How to calculate burn rate without lying to yourself
Cash divided by monthly burn rate assumes your costs stand still for the rest of the company's life. What that burn rate calculation quietly costs you in.