Is HTTPs Good for SEO? Are you still unsure if you should change your website to HTTPs? You might have heard about some bad experience when making the change from HTTP to HTTPs, talking about their drop in rankings or losing link juice. Yes, the outcome can be risky if it is done incorrectly. But …
Month: October 2019
Recently funded… $10,000.00 in Memphis TN
Recently funded… $10,000.00 in Memphis TN King’s Prince Xpress, LLC obtained $10,000.00 in unsecured business cards. In this way he had more working capital to succeed in increasing his business revenue. We were pleased to be able to assist in his success! Click Here to see how much funding you can get for your business. The …
New comment by ph2082 in "Ask HN: Who wants to be hired? (October 2019)"
Location: India
Remote: Yes
Willing to relocate: Not Now
Technologies: 10+ years in Java/J2EE technologies. Spring Boot, MySQL, Tomcat, AWS, Clojure, Scala, Python, Saas.
Résumé/CV: https://drive.google.com/file/d/1ZN5tO3Z-uZ_gSikM3sJhS_miwwj…
New comment by jounijaakkola in "Ask HN: Who is hiring? (October 2019)"
Mavericks | Helsinki, Finland | ONSITE | https://mavericks.fi/
Mavericks is the end game for senior developers. In our business, only the best survive. All mavericks have long track records of delivering successful software projects in various domains. Besides exceptional technical skills, every maverick is more than capable of working closely with our customer independently. We just provide a platform for them to flourish. Would you have what it takes to be the next maverick?
Our organization is lean and the money goes to our consultants, so our customers really get the best bang for their buck. Why would anyone pay premium price for a senior developer when you could pay reasonable price for a maverick? Top developers are much more productive than average ones and we don’t spend our customer’s money in crazy design offices and extravagant lifestyle. We spend what we get in where it matters the most – our consultants.
We’re looking for all kinds of hands-on roles to help our clients with their software projects. React,Node,TypeScript,Java,Spring,Scala,Python,Clojure,Android,iOS,React Native,Flutter,AWS,GCP,Azure,Kubernetes,Terraform,Docker.
If you master some of these and have a proven track record as a software consultant, we can offer you excellent salary (7000+ / month), interesting projects and extremely flexible work environment.
Interested? Email contact@mavericks.fi
5 Small Business Loan Options (Some of Which You’ve Probably Never Heard of)
What Small Business Loan Options are Out There and Which Ones Are Best for You
Funding a small business is no easy task. There are an overwhelming number of funding options. From small business loans to crowdfunding, and a seemingly infinite number of possibilities in between, it can be hard to choose. For most, it will take some combination of these to get the job done. It can help to know your small business loan options. There may be more than you think.
Small Business Loan Options: Lenders
The first decision to make is what type of lender to use. A lot of business owners think that it’s a bank or bust. There are a few different types of lenders to consider when looking at your small business loan options however.
Learn business loan secrets with our free, sure-fire guide.
Big Banks
These are those nation-wide institutions like J.P. Morgan Chase and Wells Fargo. As a general rule, they are not a friend to small business. There is nothing specific that they hold against smaller businesses. It is simply that these businesses do not generally meet their lending requirements. It’s all numbers. If you don’t have the numbers, you don’t get the funding.
Community Banks
Community banks are the smaller, local financial institutions. They are the “hometown” banks, if you will. These guys are friendlier toward small businesses. They are able to look a little deeper and see a tad bit more than the numbers. Their small business loan options may have slightly less strict eligibility requirements. However, it is still a numbers game. Whatever those numbers are, whether credit score, annual income, years in business, or some combination, you will have to have them to be eligible.
Credit Union
Credit unions come in large and small sizes as well. The main thing to remember is that you must be a member to get a loan from a credit union. They do usually offer more favorable interest rates however. If you are a member of one, be sure not to count them out when shopping around for loans.
Alternative Lenders
Alternative lenders generally function online, though some do have brick and mortar locations. Their main draw is that they offer small business loan options to those that may not qualify with traditional lenders. Their credit score requirements are lower. They may or may not require a certain amount of time in business or minimum revenue amounts. The main drawback is that their small business loan options typically have higher interest rates.
Small Business Loan Options: Types of Loans
In addition to the types of lenders, there are various types of loans including:
● Traditional
These are the standard loans that disperse a set amount of funds, with the borrower repaying over a certain period of time. The payment is the same each month, and they can be either secured or unsecured. Unsecured small business loan options usually have higher interest rates.
● Line of Credit
This is revolving debt similar to credit cards. Borrowers are given a maximum limit of the amount of funds they can use, but only pay back the amount that they actually use. For example, a borrower may have a $5,000 line of credit and use $2,000 to buy a new printer. They will only pay back $2,000, until the time comes that they choose to use more. Lines of credit can also be secured or unsecured.
● Invoice Factoring
Factoring invoices is an option if you have receivables. The lender basically buys unpaid invoices from you at a premium, meaning you do not get full value. You then have immediate cash however, for those open invoices. The lender collects from the consumer directly at full value. The older the invoice, the higher the premium. This is due to the fact that the likelihood of collecting on the invoice goes down the older the invoice gets.
Learn business loan secrets with our free, sure-fire guide.
● Merchant Cash Advance
If you accept credit card payments, a merchant cash advance can help you out in a cash pinch. It is basically just what is says. It’s a cash advance on predicted credit card sales. They base the amount of the loan off of average daily credit card sales, and then take payment from future credit card sales. This usually happens electronically. Most often, the process is automatic. The draw is that you get the funds fast, and there are usually more flexible options for repayment terms depending on your eligibility.
Small Business Loan Options: The Small Business Administration
No discussion of small business loan options would be complete without mentioning the SBA. While they do not lend funds themselves, they do administer a number of loan programs that help small businesses get the funds they need through partner lenders.
7(a) Loans
This is the Small Business Administration’s most known program. It provides federally funded term loans up to $5 million. The funds can be used for a number of purposes. These include expansion, purchasing equipment, working capital and more. Banks, credit unions, and other specialized institutions, in partnership with the SBA, process these loans and disburse the funds.
504 Loans
504 loans are also available up to $5 million and can buy machinery, facilities, or land. Typically, they are used for expansion. They work especially well for commercial real estate purchases.
Microloans
These are $50,000 or less. They are good for starting a business, purchasing equipment, buying inventory, or general working capital.
SBA disaster loans
This is a program available to businesses that have fallen victim to natural disasters. These loans are different because, unlike the others, the SBA actually processes them directly rather than using partner lenders.
SBA Express Loans
The turnaround for express loans is much faster, with the SBA taking up to 36 hours to give a decision. There is less paper work as well, making express loans a great option if you qualify.
SBA CAPLines
There are 4 different CAPLine programs. They differ mostly in how the funds can be used. The maximum on each is $5 million. It can take 45 to 90 days for the funding on CAPLines to come through.
Learn business loan secrets with our free, sure-fire guide.
SBA Community Advantage Loans
This is a pilot program. It will either expire, or the SBA will extend it in 2020. Its purpose is to promote economic growth in underserved areas and markets. Decision makers look past such things as poor credit or low revenue if the business has the potential to create jobs or promote economic growth in underserved areas.
These are some of their most popular programs. The Small Business Administration does so much more for small businesses in addition to these. Get more details on the SBA, these loan programs, and additional resources offered by the Small Business Administration here.
5 Specific Small Business Loan Options
Now, you are probably here because you need to know specifically where to go to get a small business loan. As you have seen, the possibilities are endless. However, here are some of our favorite online lenders for those that may be having trouble qualifying for loans.
Upstart
Upstart is a fairly new online lender that is using cutting edge technology. They question whether financial information and FICO alone can really determine the risk associated with a specific borrower. Instead, they are using a combination of artificial intelligence and machine learning to gather alternative data. They then use this data in the credit decision making process.
Alternative data includes such things as mobile phone bills, rent, deposits, withdrawals, and even other information less directly tied to finances. Software from the company uses this data, then learns and improves on its own.
They offer various types of financing products to fit a broad range of needs. From credit card refinancing to student loans, and pretty much anything in-between, there is something for everyone. Debt consolidation and personal loans are included, in addition to business loans.
You can get a quote on a loan to start or expand a business. Quotes are available online in a matter of minutes. Learn more in this comprehensive review.
StreetShares
StreetShares started as a service to veterans. Now, they offer term loans, lines of credit, and contract financing. They also offer small business loan investment options. The maximum loan amount is $250,000. Pre-Approval only takes a few minutes. They use a soft pull on your credit so it doesn’t affect your score.
To be eligible, you must be in business for at least 12 months with annual revenue of $25,000. Exceptions are possible, with loans to companies in business for at least 6 months with higher earnings happening on a case by case basis. The borrower’s credit score must be at least 620. For more on StreetShares, see our in-depth review.
Kabbage
Kabbage is a well know online lender. They offer a small business line of credit that can help businesses accomplish business goals quickly. The minimum loan amount is $500 and the maximum is $250,000. They require you to be in business for at least one year and have $50,000 or more in annual revenue, or $4,200 or more per month in the previous 3 month period.
They are great if you need cash quickly. Also, their non-traditional approach puts less weight on your credit score, so they may work better for some borrowers than other lenders.
Fundation
Fundation provides both term business loans online and lines of credit. It is most known for its working capital funding options. These are funds meant to help cover the day-to-day costs of running a business rather than larger projects. Typically, these funds come in the form of a line-of-credit.
Their minimum loan amount is $20,000 while the maximum loan amount they offer is $500,000. They require you to be in business for at least 12 months and have annual revenue of at least $100,000. To be eligible, your personal credit score must be no less than 600. Additionally, you must have at least 3 full time employees. That number can include yourself. Business owners cannot live or operate their business in North Dakota, South Dakota, or Nevada.
SmartBiz
If you want the convenience of online lending but need to look toward products offered by the SBA, then SmartBiz is for you.
With the help of the Small Business Administration, SmartBiz offers loans that are government backed. While SBA loans typically take a lot of time and paperwork, SmartBiz found a way to speed things up. This makes getting loans through the Small Business Administration easier than ever. The minimum loan amount is $30,000 and the maximum is $5,000,000.
As stated, SBA loans are government-backed business term loans for business owners who’ve had difficulty qualifying for other types of financing. As such, the requirements are a little stricter. Your credit score has to be 650, and you have to be in business for 2 years or more. In addition, annual revenue has to be $50,000 at least, and there can be no outstanding liens, bankruptcies, or foreclosures in the past 3 years.
Knowing Your Small Business Loan Options Can Help You Make the Best Decisions
Of course, a lot of the choosing will be done for you based on your qualifications. Your credit score, length of time in business, and annual revenue will make a difference. Still, knowing where to start based on what you have to work with is a huge first step.
If you are eligible for a loan with a traditional lender, you may find the lowest interest rates there. They tend to have the most favorable terms and rates. Their online counterparts typically have higher interest rates, but the loans are easier to qualify for.
However, if you are struggling with credit or just starting out, one of these 5 options for alternative lenders could be great. In addition, there is the option of traditional loans with the SBA programs, if you fall somewhere in between. Whatever you do, don’t jump in without doing your research.
Shop around with a variety of lenders to compare what they offer, what their requirements are, and figure out which lenders and loans will work best for your specific business. A little time spent on the front end doing this can save you a lot of time and money after the fact.
The post 5 Small Business Loan Options (Some of Which You’ve Probably Never Heard of) appeared first on Credit Suite.
New comment by ph2082 in "Ask HN: Who wants to be hired? (October 2019)"
Location: India Remote: Yes Willing to relocate: Not Now Technologies: 10+ years in Java/J2EE technologies. Spring Boot, MySQL, Tomcat, AWS, Clojure, Scala, Python, Saas. Résumé/CV: https://drive.google.com/file/d/1ZN5tO3Z-uZ_gSikM3sJhS_miwwj…
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Keeper Tax (YC W19) Is Hiring a Full-Stack Developer in SF
There are 57M gig workers in the united states (ex: contractors, uber drivers, etc). We believe that every single one of them is overpaying on taxes. We’re building Keeper Tax to solve that problem and we’re looking for our second engineer.
What we look for:
– You have 2+ years React and Node experience. You can point to React and Node apps that you have shipped and that customers are using.
– You are a self starter. You can get stuff done without a significant amount of supervision. You find ways to unblock yourself. You find valuable work to do, and get work done quickly.
– You are a good communicator. If you get blocked, you talk about what you need. If you are frustrated about the code, you talk about what you need to do to fix it.
– You are creative. You are passionate about learning about the customer’s needs and coming up with creative solutions to address those needs.
– You want to join a seed stage startup. This is a high risk/high reward opportunity. We are a small team with a lot of work to do, and that type of environment excites you.
Compensation range:
$100-120K base + 0.5-1% equity
Examples of what you’ll be working on:
– Making bookkeeping more efficient and delightful on web and mobile
– Automating tax filing with web automation tools like Selenium
– Scaling up our data processing jobs
Our stack:
– web app: React/Redux
– mobile: React Native
– backend: Node/MySQL
– data processing: Python
Who you’ll be working with:
– Matt King https://www.linkedin.com/in/mking8/
– Paul Koullick https://www.linkedin.com/in/paulkoullick/
– David Kang https://www.linkedin.com/in/david-kang-001b177b/
KeeperTax by the numbers:
– 30% monthly growth
– $40M in tax savings found so far
—————————————-
Interested? email founders@keepertax.com
Comments URL: https://news.ycombinator.com/item?id=21294929
Points: 1
# Comments: 0
Work Law
Work Law
Are you paying interest to work regulation demands? Not just are you needed to adhere to certain guidelines worrying work legislation, yet you are additionally needed to alert your workers of their work legislation legal rights by positioning a work legislation poster in a noticeable location in your company where your workers will certainly be most likely to see it, such as a worker break area.
The very first of these is Title VII of the Civil Rights Act of 1964. This work regulation bans discrimination on the basis of race, shade, faith, nationwide beginning and also sex. Furthermore, sex discrimination on the basis of maternity and also unwanted sexual advances is likewise forbidden under this work regulation.
Next off, there is the Civil Rights Act of 1966. This work legislation bans discrimination based upon race or ethnic beginning.
The Equal Pay Act of 1963 bans companies from paying various incomes to males and females that carry out basically the exact same job under comparable working problems.
A lot of companies have actually become aware of the Americans with Disabilities Act, however do not recognize exactly how this work legislation can influence them. This regulation forbids discrimination versus individuals with impairments.
The Immigration Reform and also Control Act of 1986 restricts discrimination on the basis of nationwide beginning or citizenship of individuals that are accredited to operate in the United States.
The Age Discrimination in Employment Act, additionally referred to as ADEA, bans discrimination versus people that are age 40 or above.
The Equal Employment Opportunity Act restricts discrimination versus minorities based upon inadequate debt scores.
The Bankruptcy Act bans discrimination versus any person that has actually stated personal bankruptcy.
Along with these work legislations, you are additionally based on the adhering to work regulations.
The Occupational Safety as well as Health Act supplies details policies concerning the security as well as wellness problems of companies as well as staff members in all 50 states in addition to the District of Columbia, Puerto Rico and also various other U.S. regions
FMLA, the Family Medical Leave Act, permits workers to take unsettled leave from their tasks under particular problems.
Under the Employee Polygraph Protection Act Labor Law, exclusive companies are not enabled to utilize lie detector examinations for either pre-employment testings or throughout the program of work.
FLSA, the Fair Labor Standards Act, offers base pay as well as overtime pay requirements in addition to recordkeeping as well as youngster labor requirements secretive in addition to public work.
Past the significant Federal work regulations, you will certainly additionally require to make certain that you are in conformity with state work regulation. Each state might offer work regulations along with the government work legislations pointed out over. The golden state work legislation covers a number of locations such as joblessness labor legislation insurance coverage, momentary solutions or renting labor regulation as well as state special needs labor legislation.
Not just are you called for to comply with particular policies worrying work regulation, however you are likewise called for to inform your workers of their work regulation legal rights by positioning a work regulation poster in an obvious area in your organisation where your staff members will certainly be most likely to see it, such as a staff member break area. In enhancement, sex discrimination on the basis of maternity and also sex-related harassment is additionally forbidden under this work regulation.
Past the significant Federal work regulations, you will certainly additionally require to make certain that you are in conformity with state work regulation. Each state might offer for work legislations in enhancement to the government work regulations stated over. The golden state work regulation covers numerous locations such as joblessness labor regulation insurance policy, short-lived solutions or renting labor regulation and also state impairment labor regulation.
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Recognizing Student Credit Card Basics
Recognizing Student Credit Card Basics Usually, these cards are indicated to be credit history cards for university trainees, although they can be made use of with high college trainees. To much better recognize what trainee credit report cards are all around, it is valuable to take an appearance at trainee credit score card essentials. That …
Does Your Business Credit Card Show on Your Personal Credit Profile? It Might!
How to Get Your Business Credit Card Off Your Personal Credit Profile
If you have a business credit card, you probably think it isn’t affecting your personal credit profile. While ideally this would absolutely be the case, the fact it, it could be. There are ways to keep your business debt off your personal credit report, but it isn’t something that happens automatically. There is a very specific process that actually takes some time.
It also has to be intentional. A business owner must be active about building business credit. It doesn’t happen passively. The idea is to set up your business in a way that it easily exists in the eyes of credit reporting agencies (CRAs) and lenders as an entity separate from yourself. How do you do that? After you do, how do you get accounts that will report to the CRAs before you have a business credit score?
We can answer all these questions and more. We can walk you through the process and show you not only how to establish business credit that will not show up on your personal credit profile, but how to build it so that it is strong enough to qualify for any financing you may need.
One Business Credit Misunderstanding
One major misunderstanding when it comes to business credit is that if you have a business credit card, it isn’t on your personal credit profile. While this can be true, if you haven’t actively built business credit and you did not apply for the credit card with your business information, it likely is not true. The fact is, that card is a personal credit card that has a few extra perks due to its business designation. It is not actually a credit card that is based on the merits of your business credit profile. If a business credit card is in the owner’s name, it is on the owner’s personal credit profile.
Share our foolproof business credit building checklist and tell your friends about how you’re building business credit the quick and easy way.
How to Establish Your Business as Separate from Yourself
The question then becomes how do you separate your business from yourself. Many new small business owners operate as a sole proprietorship because it is just easier. They simply use their own contact information as their business contact information, and business finances mingle with personal finances.
When it comes to establishing business credit however, this just will not work. Here is what you need to do.
Get Incorporated
The first step is to incorporate. There are three options for this.
- C Corp– This is the most definitive separation, but it is also the most complicated and expensive. Before choosing this option, be certain there are reasons other than establishing business credit that it needs to be done. If it isn’t necessary for some other reason, there are other, simpler, less expensive options.
- S Corp– This option basically offers the same separation as the C Corp, but taxes are paid at the personal level, rather than requiring the business to be taxed as well, resulting in double taxation. It is also cheaper than incorporating as a C Corp. If you aren’t required to file as a C corp, this is a good alternative.
- LLC– forming a Limited Liability Corporation results in less liability, thus the name, and offers enough separation to serve the purpose of establishing business credit. If you are not required to be a C Corp or S Corp, this is the easiest and most cost-effective way to create the separation of business and personal credit needed.
The option you choose will depend on your specific tax and liability needs, as they each offer different levels of protection and expenses.
Get an EIN to Keep Accounts off Your Personal Credit Profile
You need to apply for an EIN. Stop using your Social Security Number as the identifying number for your business. Your SSN is a direct link to you personally. It is virtually guaranteed that anything connected to it credit wise will end up on your personal credit reports.
In fact, even if you follow all the other steps for establishing business credit but skip this one, accounts could end up on both reports. You don’t want that.
The process of applying for and EIN is easy. The IRS has an online form, and as soon as they verify all the information, you receive your number. It typically happens almost immediately.
Don’t Forget to Get a D-U-N-S Number
Dun and Bradstreet (D&B) is the most widely used business credit reporting agency. They issue each business on file a 9-digit D-U-N-S number. Application is easy and free, and once you have that number, you will be even closer to establishing credit for your business separate from your own.
Get Shiny New Contact Information
Your business needs its own phone number and address. This way, when you apply for credit, you can enter contact information that is separate from your own. When information is reported to agencies, sometimes the phone number and address are used as identifying factors. If you and your business share a number and address, that just decreases the level of separation.
Be sure you get your contact information listed in the directory under your business name.
Get a Dedicated Business Bank Account
If you don’t have one already, you need a dedicated business bank account in the business name. Make sure all business expenses run through this account. Not only does this help separate you from your business, but it will keep business expenses separate from personal expenses for tax purposes as well.
Business Website and Email Address
A lot of business owners do not realize how important this is. Truly, these days if you do not have a website, you do not exist. However, your business website needs to be professionally built and hosted on a paid service such as GoDaddy. The email address needs to have the same URL as the website. Free web hosting and free email services such as Gmail and Yahoo do not work well.
These things make your business look fundable to lenders. This is the first step to building business credit.
Establish Credit Lines with Vendors
If you are a new business and just starting with vendors, look for those that will extend credit and report to the top credit agencies. We call this the vendor credit tier.
Share our foolproof business credit building checklist and tell your friends about how you’re building business credit the quick and easy way.
If you have been around for a while and do not have credit with your existing vendors, ask for it. If they comply, ask if they currently report to the credit agencies, or if they will. Not all vendors do because it is not required. Not all are willing either. If your current vendors do not want to cooperate in this endeavor, consider switching to vendors that will.
Here are some of the starter vendors that are the easiest to get started with.
o Use Quill to order supplies you use every day, including pens, pencils, folders, printer ink, copy paper, and even cleaning supplies.
o Order shipping supplies, janitorial equipment, and more through Uline.
o Grainger offers industrial supplies as well as tools that you will need in the course of regular business.
It may be necessary to place a few initial orders with each of these before you can get net terms. There is no need to order anything you do not need however. They each sell things that business owners need in the everyday operations of a business. Once you make your on-time invoice payments and they begin reporting those payments to the credit agencies, your credit score will start to grow.
Talk to the Utility Companies
Sometimes utility companies are willing to report payments to credit agencies. However, you almost always have to ask. The worst they can do is refuse. If they do, no damage is done. If they agree, you will only establish your business credit faster.
Talk to them all, including telephone, electric, gas, and even internet. Before you do this, be certain that all of these utilities are in your business name with your business contact information.
Topsy Turvy: Your Personal Credit Profile Still Matters for Your Business
Taking these steps will help you establish separate credit for your business. That means your business credit cards and other business credit accounts will not show up on your personal credit profile. However, it is virtually impossible for the reverse of this to hold true all the time.
It’s true, your personal credit accounts will not show up on your business credit report. However, your personal credit can still affect your ability to get a loan even if you are using business credit. It doesn’t always, but it can. Here’s how.
First, some lenders insist on checking personal credit even if you have business credit. The thing is, if your personal credit isn’t up to par but you have strong business credit, you are more likely to get the loan anyway. That not so great personal credit score can affect your terms and rates however.
The other way that your personal credit profile can affect your business credit is this. Some CRAs actually use your personal credit in the calculation of your business credit score. While not all of them do this, there is really no way to know which of the CRAs your lender will choose to use.
The moral of this story is that you cannot ignore your personal credit profile while you are building business credit. You have to stay on top of your complete credit history.
Why Does it Matter if Business Credit Cards are on Your Personal Credit Profile?
You may be wondering why it matters. If your personal credit can affect things anyway, wouldn’t it be easier to just have everything in one place? The answer is a resounding no. In the long term, not having separate business credit is a bad idea.
The thing is, even if you make all your payments on time, your personal credit cannot handle the level of spending that running a business requires. Business credit cards that you get on your business credit have higher spending limits. These higher limits are designed to handle the larger spending amounts necessary to run a business.
Why does that matter? Well, when you carry balances at or near your credit limit, your debt-to-credit ratio goes up. A high debt-to-credit ratio has a negative impact on your personal credit score. With the level of monthly spending that most businesses require regularly, it is all but impossible to keep a low debt-to-credit ratio with business accounts on your personal credit profile, even with an immaculate credit history. This can impede your ability to get personal financing for things such as houses, home renovation, automobiles, and more.
Share our foolproof business credit building checklist and tell your friends about how you’re building business credit the quick and easy way.
Are Your Business Credit Cards Affecting Your Personal Credit Profile?
How can you know if your business cards are affecting your personal credit? Well, if you have not taken the steps necessary to separate your business credit from your personal credit, you can bet for sure this is happening. To know for certain, get a free copy of your personal credit report from each of the main personal credit CRAs. These include Experian, Equifax, and Transunion. You should be able to see them on there.
If you have strong business credit, call the credit card company and inquire about shutting down the card on your personal account and switching to a card on your business credit. If you do not yet have strong business credit, start building it now. When you have a high enough business credit score, take the steps necessary to remove the card that is on your personal credit and open new ones using your business credit.
You Don’t Know What You Don’t Know
If you aren’t sure if this is happening to you, or if you didn’t even know it was possible, find out now. Get copies of your personal credit profile and see what is on there. At the same time, start building business credit if you do not have it already. Then you can access all the funding you need to ensure your business is able to continue to grow and thrive.
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