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Small Business Edge provides advice and insights to guide small business owners

Small Business Edge provides advice and insights to guide small business owners and startup businesses in uncertain times. Whether it is about cash flow, remote working, credit, bankruptcy, employees, getting a loan, or dealing with stress and time management issues, when entrepreneurs have questions, they get answers on

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We've helped small business owners realize their dream for almost three decades.

Five Things To Know This Week:

1) How to Protect Your Business from Cybercrime
2) The Shocking Truth About Gen Z Workers
3) Top Retail Trends for 2023
4) Get Startup Cred ASAP
5) Collective

Hello SBE Newsletter Readers,

There are a handful of days left in 2022. What’s your plan to finish the year on a high note? Are you close to achieving your business and personal goals?

I love taking time between Christmas and New Year’s to look back on my wins and losses, hits and misses of the year. The exercise is a big help in mapping out my GPS Plan for the New Year.

I have big goals for 2023. My company is rolling out a marketplace for business owners that is free to join for now ( In addition, I am launching a new podcast series called “Bricks or Sticks” with Jocelyn Ring to accompany our monthly workshop for business owners (

What are your big goals for 2023? If I can help you achieve them in any way, let me know.

Until we talk again, have a happy and healthy New Year! Thank you for being part of my journey.


 Brian Moran, CEO
 Small Business Edge
Brian Moran & Associates

 How to Protect Your Business from Cybercrime

At a CNBC-sponsored event, the FBI said cybercriminals are increasingly targeting small businesses. Last year, the FBI’s Internet Crime Complaint Center “received nearly 850,000 complaints regarding cyberattacks and malicious cyber activity with nearly $7 billion in losses, the majority of which targeted small businesses.”

And what’s worse, CNBC and SurveyMonkey data shows most small business owners (61%) don’t think their businesses will be the victim of a cyberattack in the next year, up from 58% in 2021.

Don’t be complacent. Learn more about how you can protect your small business from cybercrime.

  The Shocking Truth About Gen Z Workers

Everyone thinks that members of Generation Z (Zoomers) are technologically adept since they’re digital natives.

But a survey of UK and U.S. workers from HP shockingly reveals that Zoomers aren’t that comfortable using workplace technologies. And they’re experiencing “tech shame” because they’re not as tech-savvy as their older coworkers assume they are.

One way to make them feel more comfortable at work is to offer more tech training to your younger employees.

Learn more about Gen Z employees and workplace tech.

 Top Retail Trends for 2023

Retailers have had a challenging 2022, even though consumers are shopping and spending more. Will 2023 be any better?

A report from Mastercard Data & Services says 2023 will be the year with the fewest restrictions since before the pandemic started, and “consumers will expect choices in how, when, and where they shop.”

Learn more about why you need to pivot to meet and exceed consumer needs.

 Get Startup Cred ASAP

If you’re one of the millions of Americans planning to start a small business in 2023, you know you will face many challenges. One common problem many startup entrepreneurs have to deal with is that it typically takes a long time to establish business credibility.

Obviously, the sooner you can do that, the better. There are various ways you can do that—and you can get insight from startup founders who share their own experiences.

Read more about establishing credibility for your startup.

 Resource of the Week: Collective

Collective, a fintech startup with a roster of funders that includes actor Ashton Kutcher and the founders of YouTube, Patreon, Twitch, and Substack, just announced it is expanding to all 50 states.

The company offers an all-in-one online back-office platform, including tax, accounting, and bookkeeping services, to self-employed business owners and freelancers.

Learn more about how Collective plans to serve solopreneurs and freelancers across the country.


Jek Lorenzo

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