Tina Orem is an editor at NerdWallet. Prior to becoming an editor, she covered small business and taxes at NerdWallet. She has been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Previously, she was a financial analyst and director of finance for several public and private companies. Tina's work has appeared in a variety of local and national media outlets.
- Education: B.S.B.A. in finance, marketing and economics from University of Denver Daniels College of Business, M.A. in journalism from University of Oregon, MBA from University of Oregon Lundquist College of Business
- Organizations: Society for Advancing Business Editing and Writing, American Copy Editors Society
- Previous experience: Managing editor at American City Business Journals, Senior staff writer at Investing Answers, Senior editor at Outside Media Group LLC, Director of finance at Noodles & Co., Manager of financial planning and analysis at Rock Bottom Restaurants Inc.
Tina has also nerded out in...
The Associated Press, USA Today, MarketWatch, NBC News, ABC News, Nasdaq, The Seattle Times, Chicago Tribune, Los Angeles Times, Entrepreneur
The latest from Tina
Square Fee Calculator
Quickly calculate merchant fees for in-person and online payments from customers.
NerdWallet Small-Business Financing Index Falls as Interest Rates Rise
Lending activity dropped significantly among small businesses; five tactics can help entrepreneurs get better rates.
Universal Product Code (UPC): What It Is & How to Get a UPC Code
UPC barcodes contain key information that can make small businesses more efficient and easier to manage.
Payment Gateway vs. Payment Processor: The Difference
A payment gateway authorizes customer credit cards; payment processors complete card transactions.
NerdWallet Small-Business Financing Index: Businesses Are Steady Amid Worries
New index measures delinquency rates, new loan volumes and optimism among small-business owners.
How to Get a Business Loan at a Credit Union
You’ll have to meet lending and membership requirements to get a credit union business loan.
Personal Guarantees for Business Loans: What to Know Before Signing
Personal guarantees are common for business loans, but make sure you'll be able to repay the loan if you have to.
Fifth Third Bank Business Loans Review 2023
Fifth Third Bank offers several types of business loans and some notable perks — but you can’t apply online.
Bitty Advance Small-Business Loans: 2023 Review
Bitty Advance offers merchant cash advances ranging from $2,000 to $35,000 in all 50 states. Other lenders may offer funding that meets your needs, too.
9 Best Factoring Companies for Trucking
These factoring companies for trucking can fund quickly, offer free trials and provide some hints at pricing.
Small Business Tax Deadlines for LLCs and Sole Proprietors 2022-2023
There are many more business tax deadlines than just April 15. Here are some big ones to circle on the calendar.
IRS Form 8832: Instructions and FAQs for Business Owners
Here's how to complete Form 8832 so you can tell the IRS how to classify your business for tax purposes.
IRS Form SS-4 Instructions: What It Is and How to Find Yours
You can get the form online or by calling the IRS for a copy. Many lenders require IRS Form SS-4 for underwriting.