Monday, 13th June 2022 | Management

A shortened workweek: fad or the future of work?

The idea of a four-day workweek is becoming mainstream, and there are a lot of pros and cons to consider. Could this strategy benefit your small business? Read on to find out if this concept is right for you.

No longer just the purview of progressive European companies, the concept of a four-day workweek has hit the mainstream in North America through think pieces, research, and the nightly news. While it’s undeniable that the face of work is changing, what’s less clear is whether a four-day workweek will be part of this future. For Canadian businesses, now is the time to acquaint yourself with the pros and cons of a shortened workweek.

A transforming workplace

The idea of a shortened workweek is not new. The concept—which has employees working a four-day week for the same pay, benefits, and to complete the same workload—has been under review in several countries, notably Iceland. The United Kingdom will be piloting a shortened workweek this year and Belgium has announced in 2022 it will begin offering this arrangement to employees who want it. 

Better work-life balance, increased productivity, environmental concerns, and the wastefulness of maintaining in-person workspaces are all drivers for the four-day workweek. And according to current data, the scheme is effective in all areas. 

Now, as employees are returning to the workplace after a pandemic hiatus, old complaints are resurfacing. Long commutes, a lack of control over personal time, expensive lunches, and the threat of communicable disease all make change attractive. 

What's in it for Canadian small businesses?

Use this list of pros and cons to help you determine whether a shortened workweek is a strategy that could benefit your business. 

The Pros

Here are the three main ways a four-day workweek could benefit you:

A great perk to attract top talent

Increasingly, attracting and retaining quality employees is a challenge for employers. The ability to condense the workweek into four days is a big bonus for job-seekers.

An incentive to retain staff instead of increasing pay

If increasing salaries is beyond your means, offering a four-day workweek can be a way to entice staff to stay in the long term.

Better work/life balance means a happier, more productive staff

When your employees are happy, the benefits are multifold. They’re more pleasant and motivated, more likely to remain with your company and recommend it to others, and they’re more effective and productive. 

Additionally, a shortened workweek: 

  • Decreases office expenses
  • Reduces commuting time and therefore individuals’ carbon footprint  
  • Fosters equity in the workplace as it’s a more accessible model, particularly for people who also have childcare responsibilities

Cons

The four-day workweek might not be appropriate for every type of business or every kind of employee. Here are some considerations:

It can be expensive

Paying employees for hours not worked can be a payroll puzzle. This is especially a concern in industries like factory work where the hours worked can quite literally translate into productivity.

Customer satisfaction and client relations could suffer

If your business relies on the continuity of customer-facing staff, you might have to get creative around scheduling to ensure customer satisfaction doesn’t wane.

A compressed workweek could mean longer workdays 

When considering a shorter workweek, make the distinction between working four regular eight-hour days and working 40 hours in four days. This concept can take on many different forms depending on the type of business, however, longer workdays can nullify many of the benefits of a compressed workweek. The idea is to remove a portion of work hours from the week, not cram the same amount into a shorter timeframe.  

 

As an increasing number of companies consider the four-day workweek, the idea is bound to mainstream. Now is the time to weigh the pros and cons of this kind of implementation for your business.

Read Also

7 Tips to Avoid Spoiled Inventory

For restaurant owners, managing inventory is crucial not only for profitability but also for ensuring the safety and quality of products. Spoiled inventory can lead to financial losses, customer dissatisfaction, and potential health risks. By implementing effective inventory management strategies, you can minimize waste and maintain a high standard of food quality.

Understanding Inventory Management

Inventory management involves tracking, storing, and controlling the movement of goods within a business. It helps businesses optimize operations, reduce costs, and improve customer satisfaction. 

Key Tips to Avoid Spoiled Inventory

  • Implement a Robust Inventory Management System:

  • Use a dedicated inventory management software or system to track stock levels, expiration dates, and product locations.

  • Conduct regular stock counts to verify accuracy and identify discrepancies.

Follow the FIFO (First In, First Out) Principle:

  • Rotate your inventory to ensure that older products are used or sold before they expire.

  • Store products in a way that facilitates FIFO, such as placing newer items behind older ones.

Set Inventory Par Levels:

  • Establish minimum stock levels for each product to avoid running out while minimizing excess inventory.

  • Regularly review and adjust par levels based on demand and sales patterns.

Organize Your Storage Space:

  • Label shelves and storage areas clearly to prevent misplacement and confusion.

  • Maintain proper temperature and humidity levels for different product categories.

  • Regularly inspect storage areas for signs of spoilage or damage.

Build Strong Relationships with Suppliers:

  • Negotiate flexible delivery schedules and order quantities to minimize excess inventory.

  • Communicate any changes in demand or product requirements promptly.

  • Consider collaborating with suppliers on joint promotions or waste reduction initiatives.

Conduct Regular Inspections:

  • Inspect incoming shipments for damage, spoilage, or quality issues.

  • Perform periodic checks on stored inventory to identify products nearing expiration.

  • Take immediate action to address any problems or concerns.

Train Staff on Inventory Management:

  • Educate employees about the importance of proper inventory handling and storage.

  • Provide training on how to use inventory management systems and follow company procedures.

  • Encourage staff to report any issues or concerns related to inventory.

By implementing these strategies, food businesses can significantly reduce food waste, improve profitability, and ensure the safety and quality of their products. Effective inventory management is a vital component of successful food operations.

Management

Simple Strategies to Manage Your Seasonal Inventory

When managing seasonal inventory in the retail sector, careful planning is critical. Many retailers find themselves in a balancing act between avoiding leftover inventory and also empty shelves. To escape heavy markdowns at the end of a season and potential cash-flow problems, follow these strategies for profitable results.

Planning for Success

  • Start Early: Begin planning well in advance of each season, reviewing last year's sales data to identify trends and patterns.
  • Create a Detailed Plan: Organize your information into a comprehensive plan, breaking down each season's data by category or time frame. This will help you visualize your inventory needs and make informed decisions.
  • Leverage Data Analytics: Utilize data analytics tools to gain deeper insights into customer behaviour, demand forecasting, and inventory performance. This can help you optimize your stock levels and avoid overstocking or understocking.

Timing is Everything

  • Anticipate Demand: Forecast demand based on historical sales data, market trends, and upcoming events or promotions. This will help you determine the optimal time to order and replenish inventory.
  • Avoid Stockouts: Ensure you have sufficient inventory to meet customer demand, especially during peak seasons. Stockouts can lead to lost sales and customer dissatisfaction.
  • Stagger Shipments: Consider staggering shipments throughout the season to avoid excess inventory and reduce the risk of markdowns.

Repeat Success

  • Identify Best Sellers: Analyze your sales data to identify your top-selling items for each season. Prioritize these items for replenishment and ensure they are always in stock.
  • Optimize Reordering: Implement a system for reordering popular items based on sales velocity and demand forecasting. This will help you maintain optimal stock levels and avoid stockouts.
  • Monitor Inventory Levels: Monitor your inventory levels to ensure you have enough stock to meet demand without overstocking. Use inventory management software or tools to track stock levels and identify potential issues.

Making the Most of Seasonal Cash Injection

If you've secured a seasonal business loan to support your inventory needs, here are some practical ways to use the funds:

  • Inventory Investment: Allocate funds to purchase additional inventory, particularly for high-demand products or new offerings.
  • Marketing and Promotions: Invest in marketing campaigns to drive sales and increase brand awareness during your peak season.
  • Staffing and Training: If needed, hire additional staff or provide training to ensure efficient operations and meet increased customer demand.
  • Equipment Upgrades: Consider upgrading equipment or technology to improve efficiency, productivity, and customer experience.
  • Debt Reduction: If applicable, use a portion of the loan to reduce existing debt and improve your financial health.

Marketing and Customer Engagement

  • Leverage Seasonal Marketing: Create targeted marketing campaigns to promote seasonal products and drive sales. Utilize email marketing, social media, and in-store promotions to reach your customers.
  • Engage with Customers: Seek customer feedback to understand their preferences and adjust your inventory strategy accordingly. Offer personalized recommendations and provide excellent customer service to encourage repeat purchases.

By following these strategies and staying informed about market trends, you can effectively manage your seasonal inventory, minimize waste, and maximize profitability. Remember, consistent planning, data-driven decision-making, and a focus on customer satisfaction are essential for success in the retail industry. Contact iCapital at 1.877.251.7171 to apply for a business loan and get the funds you need in 48 hours.

The Crossroads of Growth: Why Separating Business and Personal Finances Matters

Running a small business is a thrilling ride. New opportunities appear around every corner, but navigating them all requires a clear financial roadmap. Maintaining separate accounts for your business and personal finances is crucial for long-term success. Here's why this is essential for growth:

Building a Solid Foundation:

Imagine your business as a skyscraper. Financial solid practices are the bedrock that allows it to reach new heights. Mixing personal and business finances weakens that foundation:

  • Clear financial visibility: Entangled finances create a murky picture of your business's health. Separate accounts provide a transparent view of income, expenses, and profitability, enabling better decision-making for growth.
  • Strategic cash flow management: Separating funds ensures impulsive personal spending doesn't impact crucial business investments. You can strategically allocate resources for fulfilling large orders, hiring additional staff, or marketing campaigns.
  • Tax advantages: Keeping business expenses distinct simplifies tax filing and maximizes deductions, potentially saving you money come tax season.

Protection and Peace of Mind:

Legal and financial challenges are a reality for businesses. Separation offers a safety net:

  • Limited personal liability: If your business faces a lawsuit or financial troubles, separate accounts shield your assets (home, savings) from seizure. This provides invaluable peace of mind.
  • Improved credibility: Lenders and investors view businesses with separate finances favourably. It demonstrates financial responsibility and professionalism, making securing funding for future growth initiatives easier.

Streamlined Operations and Efficiency:

Keeping things distinct translates to smoother business operations:

  • Simplified accounting: Separate accounts streamline bookkeeping and record-keeping, reducing errors and saving valuable time.
  • Effortless expense tracking: Dedicate a business credit card for business expenses. This makes tracking costs easier and eliminates the need to sift through personal transactions.
  • Accurate budgeting and forecasting: A clear view of finances allows for more precise budgeting and financial forecasting. Make strategic decisions confidently by knowing exactly where your money comes from and goes.

Taking Action:

Separating finances may seem daunting, but it's a worthwhile investment in your business's success. Here's how to get started:

  • Open dedicated accounts: Set up a business bank account and credit card for business transactions. 
  • Track meticulously: Develop a system to meticulously track all business-related costs and deposits.
  • Seek expert guidance: Consider consulting a financial advisor to ensure you maximize the benefits of separate finances and utilize modern financial tools for seamless management. 

We understand the challenges faced by small businesses at every stage of growth. Contact us today at (877) 251-7171 to learn more about our small business products. Let us help you achieve your growth goals.

 

Accounting ,Personal Loan

Summer Slowdown? 3 Creative Marketing Ideas to Keep Your Small Business Top-of-Mind

Summer's here! While the season brings sunshine, vacations, and a slower pace for many, it can also mean a dip in customer traffic for small businesses. But fear not! This summer slowdown doesn't have to spell doom for your sales. With creativity and strategic marketing, you can keep your brand visible and attract new customers during these slower months.

Here are three creative marketing ideas to keep your small business top-of-mind this summer:

1. Host a Summer Social Media Blitz:

Social media is a vibrant and cost-effective way to connect with your audience year-round, and summer offers unique opportunities to create engaging content. Here's how to leverage it:

  • Run a summer photo contest: Encourage user-generated content by hosting a photo contest around a summer theme. Ask customers to share photos using your product at the beach, enjoying a summer activity, or participating in a local event. Offer a prize relevant to your business as an incentive. This not only generates excitement but also expands your reach through user-shared content.
  • Get interactive with polls and Q&A sessions: Use interactive features on social media to spark conversations with your audience. Run polls asking about summer favourites (e.g., ice cream flavours, beach reads, etc.) or host live Q&A sessions with your team to answer customer questions about your products or services.
  • Highlight seasonal products and promotions: Summer is perfect for showcasing seasonal products or limited-edition offers. Run targeted ad campaigns featuring these offerings. Whether it's a new line of summer clothing for your boutique or a refreshing summer drink special for your cafe, social media lets you advertise directly to your target audience.

2. Partner Up for Local Summer Events:

Summer is packed with community events like festivals, farmers markets, and outdoor concerts. Partnering with local businesses or organizations for these events can be a fantastic way to gain exposure and build brand awareness.

  • Co-sponsor a local block party: Collaborate with other businesses in your area to host a block party or community event. This allows you to share a booth or activity space, reaching a wider audience and fostering community.
  • Offer samples or summer-themed treats: If your business lends itself to it, offer free samples or summer-themed treats at local events. This is a fun and memorable way to introduce your brand to potential customers while creating a positive association with summer fun.
  • Volunteer your expertise and support community initiatives: Looking for a way to give back while promoting your brand? Consider volunteering your expertise or offering sponsorships for summer camps, sports leagues, or other initiatives relevant to your target audience. This showcases your commitment to the community and creates goodwill.

3. Revamp Your Email Marketing for Summer Fun:

Email marketing remains a powerful tool for nurturing customer relationships and driving sales. Here's how to breathe new life into your summer email strategy:

  • Create summer-themed email campaigns: Design eye-catching email templates with summer visuals and breezy colours. Offer seasonal promotions, highlight summer-friendly products, or share summer-themed recipes or tips related to your industry.
  • Segment your audience for targeted offers: Segment your email list based on customer preferences. This allows you to send targeted emails featuring products or promotions relevant to their interests. For example, if you sell sporting goods, you could send emails about summer outdoor gear to customers interested in hiking or camping products.
  • Focus on customer engagement and building loyalty: Don't bombard your audience with sales pitches. Use your emails to build relationships. Share engaging content, offer helpful summer tips, or run fun summer-themed quizzes. This keeps your brand at the forefront of their minds and encourages repeat business.

Remember, the key to successful summer marketing is to be creative and strategic and adapt your approach to the season. By implementing these ideas and staying active online and in your community, you can turn the summer slowdown into an opportunity to connect with new customers, boost brand loyalty, and keep your small business thriving all season long! 

 

Marketing

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