Many small and mid-size B2B companies extend payment terms—but struggle to know which customers are truly creditworthy.

In this episode of the Empowering Healthy Business Podcast, host Calvin Wilder sits down with Brian Suthoff, CEO of Ternary, to explain how businesses can finally get value from credit bureaus and make better credit decisions without heavy IT or manual uploads.

Brian breaks down how new accounting system integrations now allow small businesses to automatically share A/R data, receive validated company profiles, and get usable credit scores—all in real time.

💡 In This Episode:

• Why business credit bureaus matter for small businesses
• How to automate trade reporting with QuickBooks or Dynamics 365
• How to use bureau data to improve cash flow and reduce fraud
• Setting terms by risk tier (low, medium, high)
• The 5-step rollout plan to get results in 60 days

If your business extends credit, this episode will show you how to turn bureau data into a tool for faster payments, safer approvals, and better working capital.

Send us a text

Sponsored by SmartBooks. To schedule a free consultation, visit smartbooks.com.

Thanks for listening!

Host Cal Wilder can be reached at:
cal@empoweringhealthybusiness.com
https://www.linkedin.com/in/calvinwilder/

As 2025 wraps up, smart business owners are already preparing for tax season.

In this episode of the Empowering Healthy Business Podcast, Calvin Wilder speaks with Greg Reed, Head of Tax at SmartBooks and Certified Tax Coach, about the latest developments affecting 2025 year-end tax planning.

Greg explains how to use new rules and deductions to reduce your tax burden and plan confidently before December 31.

💡 In This Episode:

• 100% bonus depreciation vs. Section 179 — which to use
• SALT cap increase and PTET strategies for high-income owners
• What’s changing with QBI and 1099 thresholds
• How to reclaim R&D expenses from prior years
• The 100% write-off window for manufacturing and production facilities
• A practical year-end tax checklist for every business owner

Whether your business had a record year or a down year, this episode helps you identify the levers that actually lower your tax bill.

Send us a text

Sponsored by SmartBooks. To schedule a free consultation, visit smartbooks.com.

Thanks for listening!

Host Cal Wilder can be reached at:
cal@empoweringhealthybusiness.com
https://www.linkedin.com/in/calvinwilder/

Crypto can be exciting — but it’s also one of today’s biggest financial risks.

In this episode of the Empowering Healthy Business Podcast, Calvin Wilder talks with Jason Costain, a banking fraud expert with over 25 years of experience, about what business owners need to know to protect their money, data, and trust in the digital world.

Jason explains where crypto risk really lives, how scams operate, and what simple steps can help you avoid becoming the next victim.

In This Episode:

• What makes crypto investments high-risk for small businesses
• How modern scams exploit human behavior, not just technology
• Real tactics banks use to detect and stop fraud
• Practical steps to protect your business accounts and payments
• How to prepare for AI-powered scams and deepfakes
• When blockchain technology actually makes sense

Whether you’re curious about crypto or just want to keep your finances safe, this episode delivers clear, actionable advice to help you stay ahead of fraud.

Send us a text

Sponsored by SmartBooks. To schedule a free consultation, visit smartbooks.com.

Thanks for listening!

Host Cal Wilder can be reached at:
cal@empoweringhealthybusiness.com
https://www.linkedin.com/in/calvinwilder/