5 Tools Every Business Owner Needs This Summer

Summer: That magical time when your clients vanish on vacation, your A/C bill goes nuclear, and half your team mysteriously “works from home” every Friday.

But if you're running a business, summer isn’t a sabbatical. It’s a chance to tighten the ship, ramp up growth, and maybe…just maybe…not have a financial panic attack in August.

So, what can help you work smarter (and sweat less)?

Here are 5 tools every business owner should be using this summer. 

1. Credit Banc’s FlexFund Program

For: Keeping your cash flow cool when the heat turns up

Look, summer slowdown is real. Customers spend less. Expenses pile up. Your receivables ghost you harder than a bad Tinder date.

Credit Banc’s FlexFund gives you access to fast working capital, with no collateral required and terms up to 10 years. Whether you need $15K or $50K, this is your stress-relief slush fund.

✔️ Quick approvals
✔️ FICO 640+ welcome
✔️ Funded in 10 days or less

🧨 Hot Take: Waiting for the bank is like waiting for your ex to apologize. FlexFund moves way faster.

2. Gusto

For: Handling HR without pulling your hair out

Hiring? Firing? Payroll? Benefits? HR headaches are the worst kind of headaches. Because if you mess it up, you don’t just piss people off… you invite the IRS to your party.

Enter Gusto, your all-in-one HR, payroll, and benefits platform that doesn’t feel like it was built in the ‘90s. It’s sleek, it’s smart, and it makes sure you stay compliant without needing a law degree.

✔️ Automated payroll & tax filings
✔️ Onboarding tools that don’t suck
✔️ Benefits, PTO, and compliance all in one place

🧨 Hot Take: If your HR system involves Excel and crossed fingers, it’s only a matter of time before something blows up. Fix it before you have to Google “how to fire someone legally.”

3. Slack

For: Keeping your team on the same page (and out of your damn inbox)

We’re a little partial to Slack; it’s what our team uses to stay connected, collaborate faster, and drop the occasional GIF-laden hot take.

Think of it as the antidote to endless emails and “quick” calls that drag into full-blown meetings. With Slack, you can create channels for projects, departments, or that one employee who only communicates in memes.

✔️ Real-time team messaging
✔️ Easy file sharing and app integrations
✔️ Less “circling back,” more getting sh*t done

🧨 Hot Take: If your internal comms strategy is still “reply all,” it’s time to upgrade from 2009.

4. Later

For: Automating your social media while you sip margaritas

Posting manually on every platform is like brushing your teeth while eating Oreos; chaotic and messy.

Later helps you schedule content, plan your grid, and analyze what’s working (or flopping). Bonus: The free plan is solid enough for most small businesses.

✔️ Drag-and-drop scheduler
✔️ Visual planner for Instagram
✔️ Performance analytics that actually make sense

🧨 Hot Take: You can either run your business or be a full-time content monkey. Automate or combust.

5. Zapier

For: Making your apps talk to each other like grown-ups

Your CRM doesn’t talk to your email platform. Your eComm orders get lost in spreadsheet hell. And your lead form? It’s basically a black hole.

Zapier connects over 6,000 apps to automate repetitive tasks, so you can do less clicking and more chilling.

✔️ No coding required
✔️ Set-it-and-forget-it workflows
✔️ Pairs beautifully with nearly everything

🧨 Hot Take: Manual tasks are for interns and masochists.

Final Thoughts: Summer’s Not a Break…It’s an Opportunity

These tools aren’t just nice-to-haves. They’re survival gear for modern entrepreneurship.

Want to grow?

Automate what you can. Fund what you need. Streamline everything else.

Because while everyone else is on cruise control, you’ll be the one cruising past your Q3 goals.

Got questions about funding, business credit, or how to not drown this summer?

👉 Book a quick call with a Credit Banc advisor and let’s talk strategy (yes, even if your strategy is just “stop bleeding money”).