A small business bookkeeper sits at a desk in a back office, looking at a laptop screen that shows two columns labeled “Next-Day ACH” and “Standard ACH” with simple bar charts beneath them, with a filing cabinet, wall calendar, and “Cash Flow” whiteboard in the background

Editorial style photo of a small business bookkeeper working in a modest back office in the late afternoon seated at a wooden desk and focused on a laptop The screen displays a simple comparison of Next Day ACH and Standard ACH with basic charts suggesting a decision about funding speed Behind the bookkeeper are a beige metal filing cabinet a wall calendar and a whiteboard labeled Cash Flow all lit by soft warm natural light from a nearby window