--- title: Truly Local Advice | Small Business description: Small Business | Learn more about banking, investing and managing your money from the Truly Local Advice blog. Trust our Advisors to bring you stories and articles that matter to you. --- **** [![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_CMYK-PNG.png?width=220&height=69&name=PFCU-2017Logo_CMYK-PNG.png) ![PenFinancial Credit Union](https://www.penfinancial.com/hs-fs/hubfs/PFCU-2017Logo_Web-Res.png?width=288&height=90&name=PFCU-2017Logo_Web-Res.png) ](https://www.penfinancial.com) [![LOGIN](https://no-cache.hubspot.com/cta/default/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8.png)](https://cta-redirect.hubspot.com/cta/redirect/6680345/9e666b20-82c2-44e9-a6d1-8768d8611aa8) [**](https://www.penfinancial.com/advice/tag/small-business#tmpmodule_1568761248550301) ** ###### Day to Day Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Daily Business Banking ###### Borrowing & Investing ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### Investments ###### Resources **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### About PenFi **CONTACT CENTRE** Our truly local representatives are here to serve you: [1-866-866-6641](tel:1-866-866-6641) [Learn More →](https://www.penfinancial.com/contact-us) ###### 5 min read ## [Gift giving that gives back](https://www.penfinancial.com/advice/gift-giving-that-gives-back) By [Kerry Ould](https://www.penfinancial.com/advice/author/kerry-ould) on Nov 19, 2020 4:17:20 PM [![](https://www.penfinancial.com/hubfs/Holiday-gifts-hat_SM.jpg) ](https://www.penfinancial.com/advice/gift-giving-that-gives-back) With the holidays fast approaching, it’s hard to know exactly how this year’s festivities will play out. You may be looking forward to celebrating with a big meal and your little family. Or maybe you’re going to share a drink with friends via video call… and show off the elf outfit you bought your dog. Whatever your plans, the holidays and gift giving are sure to be a little different in 2020. ###### Topics: [Small Business](https://www.penfinancial.com/advice/topic/small-business) [Truly Local Articles](https://www.penfinancial.com/advice/topic/truly-local-articles) [Social Responsibility](https://www.penfinancial.com/advice/topic/social-responsibility) ###### 3 min read ## [Small Business accounting: Count on it being important](https://www.penfinancial.com/advice/small-business-accounting-count-on-it-being-important) By [PenFinancial Credit Union](https://www.penfinancial.com/advice/author/penfinancial-credit-union) on Mar 1, 2018 3:51:56 AM [![](https://www.penfinancial.com/hubfs/Women-Entrepreneur.jpg) ](https://www.penfinancial.com/advice/small-business-accounting-count-on-it-being-important) It’s everyone’s favourite time of the year: tax time! Get ready for the banners and balloons and celebrations… or hide your paperwork in the closet and hope the receipts magically sort themselves out. That sounds more realistic! You may want to hide from your finances, but you can gain a lot by dedicating adequate time and resources to bookkeeping and accounting. This is particularly true for business owners. ###### Topics: [Small Business](https://www.penfinancial.com/advice/topic/small-business) ###### 4 min read ## [When is it time to switch financial institutions?](https://www.penfinancial.com/advice/when-is-it-time-to-switch-financial-institutions) By [PenFinancial Credit Union](https://www.penfinancial.com/advice/author/penfinancial-credit-union) on Jan 12, 2018 1:01:51 PM [![](https://www.penfinancial.com/hubfs/Imported_Blog_Media/farmer.jpg) ](https://www.penfinancial.com/advice/when-is-it-time-to-switch-financial-institutions) Financial institutions are not all created equal and neither are their Members.  As a member of the team at PenFinancial Credit Union, I get to see how unique our Members and their needs are and how we can help them everyday.  ###### Topics: [Small Business](https://www.penfinancial.com/advice/topic/small-business) [Credit Unions](https://www.penfinancial.com/advice/topic/credit-unions) ###### 4 min read ## [Women in business in Niagara. It’s awesome.](https://www.penfinancial.com/advice/women-in-business-in-niagara) By [Claire](https://www.penfinancial.com/advice/author/claire) on Mar 23, 2017 12:03:36 PM [![](https://www.penfinancial.com/hubfs/Women-Entrepreneur.jpg) ](https://www.penfinancial.com/advice/women-in-business-in-niagara) Fun fact: I’m a woman. And I work in business in Niagara. There are a lot of us here in this fair region. You’ve probably seen us running small businesses. Working in retail and service jobs. We’re pretty versatile and hard working. If I do say so myself! ###### Topics: [Small Business](https://www.penfinancial.com/advice/topic/small-business) [All posts](https://www.penfinancial.com/advice/all) ###### MEMBER LOGIN MEMBER LOGIN ###### BANKING BANKING ###### RESOURCES RESOURCES ###### ABOUT PENFI ABOUT PENFI Copyright © 2026 PenFinancial Credit Union PenFinancial Credit Union is a licensed credit union operating in, and under the laws of the province of Ontario. 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