For Business Owners
The Small Business Owner Architecture Bundle
Twenty-five institutional-grade tools for structuring the wall between business and personal finances — entity selection, payroll, tax reserves, owner compensation, and beyond.
25Tools at launch
$497One-time — no subscription
QtrlyNew tools added automatically
$497
One-time payment · Instant access
Get the Bundle →Delivered via Payhip · Lifetime access
- 25 tools at launch, 50+ by year end
- Spreadsheets, PDFs & Notion templates
- Quarterly additions at no extra cost
- Buyer account with permanent access
What's Inside
Twenty-five tools. The business as its own institution.
This bundle treats the business entity as a financial institution in its own right — with its own account structure, cash flow architecture, credit profile, and the proper separation from your personal finances.
01
Business–Personal Separation Framework
Institutional-grade framework for structuring the wall between personal and business finances.
PDF
02
Business Banking Architecture Blueprint
Visual diagram of operating, payroll, tax reserve, and owner distribution accounts.
PDF
03
Business Cash Flow Architecture Worksheet
Revenue categorization, cost separation, and owner compensation routing.
Sheet
04
Owner's Compensation Design Framework
W-2 salary vs. draw vs. distribution — with tax implication notes by entity type.
PDF
05
Entity Selection Decision Tree
Sole Prop, LLC, S-Corp, C-Corp — evaluated by revenue, liability, and tax positioning.
PDF
06
Business Account Structure Audit
Self-audit tool scored across five institutional dimensions.
Sheet
07
Tax Reserve Calculator
Auto-calculates quarterly estimated tax reserves by entity type and revenue.
Sheet
08
Quarterly Estimated Tax Scheduler
Due dates, calculation method, and underpayment penalty avoidance logic.
PDF
09
Business Emergency Fund Sizing Calculator
Models reserve by overhead, client concentration, and seasonality.
Sheet
10
Revenue Concentration Risk Analyzer
Flags over-reliance on single clients or revenue streams.
Sheet
11
Business Credit Profile Builder
Framework for establishing business credit separately from personal.
PDF
12
Business Credit Card Optimization Tracker
Limits, rewards, utilization, and personal guarantee exposure.
Sheet
13
Vendor & AP Management Tracker
Vendor terms, due dates, and early-pay discount opportunities.
Sheet
14
Accounts Receivable Aging Tracker
Flags outstanding invoices by age bucket. Calculates DSO.
Sheet
15
Business Net Worth Tracker
Business assets and liabilities tracked separately from personal.
Sheet
16
Owner's Draw vs. Salary Decision Framework
Optimizes W-2 vs. distribution mix by SE tax exposure and cash flow.
PDF
17
Business Retirement Account Sequencer
SEP-IRA, Solo 401(k), SIMPLE IRA compared by revenue and bracket.
Sheet
18
Business–Personal Wealth Transfer Framework
Moving business-generated wealth into personal architecture.
PDF
19
Business Insurance Coverage Audit
Gap analysis across GL, E&O, business interruption, and cyber.
PDF
20
Payroll Structure Decision Framework
In-house vs. third-party payroll — compliance triggers and timing.
PDF
21
Business Financial Command Center
Master Notion dashboard: accounts, receivables, payables, tax reserves, payroll.
Notion
22
Monthly Business Financial Review Template
20-minute monthly review: cash position, AR aging, tax reserve status.
Notion
23
Annual Business Architecture Review
Year-end audit across banking, cash flow, credit, and tax positioning.
PDF
24
Banking Relationship Scorecard — Business Edition
Rates, fees, lending capacity across business banking institutions.
Sheet
25
Exit Planning Basics Framework
Valuation concepts and transition structures for business exits.
PDF
VB
"Built Inside the Banking System — Not Outside Looking In."
Prepared by Larry G. Moragne — Compliance Officer, close to two decades in banking, USAF Veteran. All content is educational and does not constitute financial, legal, or tax advice.
One-Time. Evergreen.
Get the complete Small Business Owner Architecture Bundle.
No subscription. Quarterly additions at no extra cost.
$497
Get the Bundle →All content is provided for educational purposes only and does not constitute financial, legal, or tax advice. The Veteran Banker does not provide personalized financial recommendations. Consult a licensed professional before making financial decisions.
© 2026 The Veteran Banker. Architecture Over Advice.