01/28/2026
Business owners—SAVE this ✅
Before you pay any person/company from your business account, make sure you have:
📌 W-9 (EIN only recommended)
📌 License (if required)
📌 Agreement / scope
📌 Insurance (optional but smart)
📌 Invoice matches W-9 + your check/Zelle contact name
Even with 2026 changes to 1099 thresholds…
W-9 first. Every time.
Comment VENDOR and we’ll send you our checklist template.
# #1099