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Banay School
Included with Banay OS, and open for any contractor to read. Plain-language guides to the business side of the trade, with every rule linked to its official source.
How to form an LLC and get an EIN as a contractor
A plain guide for contractors: what an LLC is, the order to do things in, and how to get an EIN from the IRS. Sources from IRS.gov and SBA.gov.
Opening a business bank account as a contractor
Why contractors keep business money separate, what banks usually ask for, and what to compare before you open an account. Sources from SBA.gov and IRS.gov.
Profit vs margin vs markup for contractors
Profit, margin and markup explained with one contractor example: $20,000 job, $15,000 costs. Why a 25% markup is not a 25% margin. Plain math, no jargon.
FAQ
Do I need Banay OS to read these guides?
No. The guides are open for anyone to read. They're also included with Banay OS.
Are these guides tax or legal advice?
No. They're general education only. Talk to your CPA or attorney about your own situation.
Where do the facts come from?
Each guide links to the official source it cites, such as IRS.gov, SBA.gov or FinCEN.gov.
Join the early-access waitlist
You can see plans now, or start at the Banay OS home page.