Month: April 2020

New comment by urlDev in "Ask HN: Who wants to be hired? (April 2020)"

Location: Turkey

Remote: Only remote, please

Willing to relocate: No

Technologies: HTML5, CSS3, SASS/SCSS, Bootstrap/React, Bootstrap, JavaScript/ES6, React, Gatsby, Styled-Components, Git/Github, Adobe XD

Résumé/CV: https://canural-resume.netlify.app/

Email: can.ural@outlook.com

Hi, I am Can. I am a career changer Front-End Developer, previously team leader, and Helicopter Pilot. I am looking for my first developer job.

Before scrolling down, check my projects on GitHub and portfolio website. If you are interested, do drop me a line!

GitHub: https://github.com/urlDev

Website: https://www.can-ural.com/

Get Great Startup Business Credit Cards with No Credit

Are you looking for startup business credit cards with no credit? Check out our top choices. The Absolute Best Startup Business Credit Cards with No Credit We researched a lot of business credit cards for you. So, here are our top picks. Per the SBA, company credit card limits are a whopping 10 — 100 … Continue reading Get Great Startup Business Credit Cards with No Credit

Where to Look for Startup Capital and How to Make Sure You Qualify

There is no startup capital genie that lives in a bottle.  You can’t hope to find the magic lamp, rub it, and make all your entrepreneurial dreams come true.  In contrast, finding startup capital is just the first hurdle in a line of many that you will have to jump over to get your business off the ground. Startup capital can come from a variety of sources.  It takes hard work and some creativity, not to mention determination, to find the best start up capital option for you.  

Startup Capital Doesn’t Come from a Genie in a Bottle

Don’t let that scare you though.  Start up capital loans are highly attainable. However, your chances of success are much, much greater if you know exactly what to do, where to do it, and you have the right tools.  

For example, you can’t build a house while sitting in a library with scissors and tape.  When it comes to starting a business, especially in our current corona economy, you need the right tools. One tool you cannot do without is startup capital. However, you need to know where to look for startup business loans and what you have to do to get them.  At least, that’s where you start.

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

Startup Capital: Self-Funding

For most, this seems like the obvious best option.  If you have the means, it can be for sure. No debt is always good.  Still, even if you have the means to fund startup capital yourself, you may not want to tie up all that cash. Alternatively, you may  not want to dip into your retirement or savings, though those are definitely possibilities. Which leads us to the other options.

Startup Capital: Investors

There was a time when investors were simply that, traditional investors.  There are two new players in the field these days however, and they are significantly less formal. 

Angel Investors

start up capital Credit SuiteInvestopedia defines angel investors as those who  “… invest in small startups or entrepreneurs. Often, angel investors are among an entrepreneur’s family and friends. The capital angel investors provide may be a one-time investment to help the business propel or an ongoing injection of money to support and carry the company through its difficult early stages.”

Usually, they do not lend to the same person twice, even if that person pays them as agreed.  That’s because they  like to spread their risk over a lot of people and businesses to make sure they earn a profit.  They are also usually a lot less formal than most types of funding. An angel investor can be anyone.  Seriously, it could be your mom or someone you met through networking.  

The best way to find these kinds of angel investors is to ask people you know. Also, you can try an angel investors website or network. For example, Gust keeps a database of investors, companies, and programs. Startups can search for business plan competitions and other opportunities.

Crowdfunding

This is an increasingly popular option for startup capital.

Basically, Crowdfunding is a type of investment option.  The thing is, you get a lot of smaller investments from a lot of people.  Hence the term, crowdfunding.  This is in contrast to getting the bulk of your small business funding from one or two larger investors. Still, not every campaign is successful.   Trully, few are.

First, you have to figure out which crowdfunding platform is best for your situation . Kickstarter and Indiegogo are two of the most popular. 

Startup Capital: SBA Loans

These are small-business loans guaranteed by the Small Business Administration.  Participating lenders, mostly banks, distribute the funds. They can guarantee up to 85% of loans of $150,000 or less, and loans that are more than $150,000 they will guarantee up to 75%. The maximum loan amount they offer is $5 million. 

Since they have a government guarantee, financial institutions are able to offer these loans at lower interest rates. 

To be eligible for SBA Loans, you must meet certain qualifications. These include:

  • Your business must be for profit.
  • Your business must be inside the US.
  • Business owners must invest equity.
  • You must have exhausted all other financing options.
  • Your business must qualify as a small business.
  • Your business must be in an eligible industry.

Best SBA Loan Programs for Startup Capital

There are a ton of loan programs available through The Small Business Administration.  These are those that are best suited for startup capital.

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

7(a) Loans

This is the Small Business Administration’s most popular loan program. For one, it offers federally funded term loans up to $5 million.  Furthermore, the funds can be used for expansion, purchasing equipment, working capital and more. Banks, credit unions, and other specialized institutions, in partnership with the SBA, process these funds. 

504 Loans 

Loans are available up to $5 million.  Funds can buy machinery, facilities, or land. Mostly, they are for expansion. Private sector lenders or nonprofits process and disburse these loans. They especially work well for commercial real estate purchases.

Microloans 

Up to $50,000 is available through the microloan program. This money can be  for starting a business, purchasing equipment, buying inventory, or for working capital. Community based nonprofits handle microloan programs as intermediaries. In contrast, financing comes directly from the Small Business Administration.

Startup Capital: Private Lenders

Generally, private lenders can be a little more relaxed with requirements. Yet, they also tend to have higher interest rates and less favorable terms. 

They usually have options for all types of financings at varying rates.  There are a ton out there, but here are a few to get you started if you need to go this route for small business funding. 

Upstart

Upstart is an online lender using innovative new 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 machine learning and AI to gather alternative data.  They then use this data to make credit decisions.

This alternative data includes things such as phone bills, rent, deposits, withdrawals, and even other information that is not directly tied to finances.  Software from the company learns and improves based on this data. 

They offer various types of financing products to fit a wide variety of needs. This may include credit card refinancing, student loans, and pretty much anything in-between.   Upstart has something for almost everyone.  

StreetShares 

StreetShares began as a service to veterans.  Now, they offer term loans, lines of credit, and contract financing. In addition, they 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 as not to affect your score. 

StreetShares eligibility requirements include being  in business for at least 12 months with annual revenue of $25,000. Exceptions do exist however.  Loans to companies in business for at least 6 months that have higher earnings can be approved  on a case by case basis.

Kabbage 

Kabbage is a well known 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.  Alternatively, $4,200 or more per month in the previous 3 month period will meet the revenue requirement.. 

Kabbage is 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 Fundation offers  is $20,000 while the maximum loan amount 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.

You Cannot Get Startup Capital Without a Business Plan

Not only is a business plan necessary when it comes to getting business loans, but it is necessary to the day to day operations of your business as well.  Virtually all successful entrepreneurs will tell you that a major key to success is to plan to work and work the plan.  

Most traditional lenders are going to need to see a business plan as part of the loan application process.   Truthfully, it’s best to hire a professional business plan writer if possible. They can work with you to get all the necessary information and put it together in the traditional format.  

If you cannot hire a business plan writer however, there are other options. The Small Business Administration offers a template.  Furthermore, your local small business development center may also be able to help.

For a business plan to be taken seriously by a lender, it needs to include the following: 

A Strong Opening 

 An Executive Summary

 This is a complete summary of the business idea.

Description

The description goes into further detail than the summary, describing the business. This is where you work to build excitement about your business.

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

Strategies

Layout your plan for getting started. Do you have a marketing plan, area in mind for location, or idea of how many employees you will start with? What is your ramp up plan? 

 Market Analysis

 What need will your business fill, and for who? Are you a child care facility filling a need for affordable child care for working moms? Are you an eatery filling a need for a lunch spot for those working downtown? How will your business fill the need? All of that information goes in this section. 

Competitive Analysis

Is there already a business working to fill this need? Is there room for more? How do you plan to compete with them? 

If you are not a new business, this will be a market analysis that supports your need for funding, or that shows your business is strong and growing.

The Plan 

Plan for Design and Development

How is all of this going to play out, from start to finish. What steps are you going to take? This is more detailed than your strategies section.

Plan for Operation and Management

Who will own or does own the business and who will run or currently runs it from day to day. This could be as simple as stating that you are the sole owner and operator, or as complicated as laying out a complete partnership plan or board or directors’ format. It just depends on how your business works. 

Financials

This section includes current financials, projections, and a budget plan for the loan funds you are applying for.  Lenders need to see that you know how to handle the funds you get, and that you have a plan to pay them back.

Now is the Time to Build Fundability

The real key to getting startup capital and being able to get working capital whenever you need it is fundability.  However, strong fundability doesn’t just happen.  You need to start building it from the very beginning.  If you didn’t do that, you need to start right now. There are a number of factors that play into fundability, and many of them have to do with how your business is even set up.  That affects everything. Business credit is also a huge piece of fundability, but it isn’t everything.  Learn all you can about fundability. Work to make it strong. If you do, you will always have access to the capital you need to start, run, and grow your business.

The post Where to Look for Startup Capital and How to Make Sure You Qualify appeared first on Credit Suite.

You Asked, We Answered: What is the Easiest Business Credit Card to Get?

We heard your question – what is the easiest business credit card to get?

What is the Easiest Business Credit Card to Get?

We researched a bunch of company credit cards for you. So, here are our favorites.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of personal credit cards!

This reveals you can get a lot more funds with business credit. And it also means you can have personal credit cards at retail stores. So, you would now have an additional card at the same retail stores for your business.

And you will not need collateral, cash flow, or financials to get business credit.

What is the Easiest Business Credit Card to Get? Benefits

Benefits vary. So, make certain to choose the benefit you prefer from this choice of options.

What is the Easiest Business Credit Card to Get with 0% APR?

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card 

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and comes with a 0% introductory APR on purchases for the first nine months. Thereafter, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel via the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points will never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 in the initial 60 days of opening up the account. Cardholders get travel accident insurance, and lost luggage reimbursement. 

They also get trip cancellation coverage, trip delay reimbursement and other benefits.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/ 

JetBlue Plus Card

Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR

Earn six points/dollar on JetBlue purchases, two points/dollar at eating establishments and grocery stores. And get one point/dollar on all other purchases. 

Details

Spend $1,000 in the first 90 days and pay the yearly fee. So, then you can get 40,000 bonus points. New cardholders get a 12-month, 0% initial APR on balance transfers made in 45 days of account opening.

After that, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 annual fee for this card.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/   

What is the Easiest Business Credit Card to Get with No Annual Fee? 

Uber Visa Card 

Check out the Uber Visa Card. Uber is the first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases. 

So, this includes retailers and subscription services like Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.

By spending a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 annually are eligible to receive a $50 credit toward online subscription services. 

Details

If you pay your cellphone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to specific events and offers. Uber expects most of these offers to be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. So, the APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range. 

Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accrue a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/ 

Costco Anywhere Visa® Business Card by Citi 

Not taking Uber? Then you’ll want to fill your gas tank somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Earn 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

So, note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash ℠ Credit Card. Companies can get cash back with every single purchase. Spend $3,000 in the initial three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 annual fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable. 

The credit card includes travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn bonus cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash 

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Earn 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening. 

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. In addition, get early check-in and late checkout. And get an auto rental collision damage waiver. 

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business 

Starwood Preferred Guest® Business Credit Card from American Express

Another alternative is the Starwood Preferred Guest Business Credit Card from American Express. 

This credit card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And earn four points per dollar at US restaurants, US filling stations, and on US purchases for shipping. 

Also, earn four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Earn 75,000 bonus points when you spend $3,000 in the initial three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection. 

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the yearly fee. There is a $0 introductory annual fee for the first year, then it’s $95 after that. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card 

What is the Easiest Business Credit Card to Get for Average Credit?

Capital One® Spark® Classic for Business 

For fair credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. The card gets an unlimited 1% cash back on all purchases. There is an annual fee of $0.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.

But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus. In addition, this card reports monthly to personal credit. It does report to business credit as well, but they generally require a personal credit check and will always report to personal credit.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/ 

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

What is the Easiest Business Credit Card to Get Low APR and Balance Transfers? 

Discover it® Cash Back

Have a look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can get 5% cash back at different places every quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. Also, automatically get unlimited 1% cash back on all other purchases.

You will get an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html 

What is the Easiest Business Credit Card to Get to Build Credit?

Discover it® Student Cash Back

Be sure to check out the Discover it® Student Cash Back card. It has no annual fee. The credit card also offers a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One special feature is that it offers an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit every year for up to five years.

Details

Use this credit card to build personal credit. While this is a personal card versus a company credit card, for new credit users, their FICO scores will matter. And this card provides an excellent way to raise FICO while also getting rewards. Better personal credit can also, often, be the key to unlocking online lending.

You can earn 5% cash back at different places each quarter such as grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this credit card offers unlimited 1% cash back on all purchases.

In the initial year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html 

What is the Easiest Business Credit Card to Get for Luxurious Travel Points?

Capital One® Spark® Miles for Business 

Be sure to check out the Capital One® Spark® Miles for Business card. With this card, you can earn 2 miles per dollar on all purchases. When you spend $4,500 within the first 3 months of opening an account, you can earn 50,000 miles. So, that is worth $500 in travel.

Benefits for cardholders include an auto rental collision damage waiver, and purchase security. And they also include extended warranty coverage. And you get travel and emergency assistance services.

Cardholders will pay $0 introductory for the first year. But they will pay $95 after that for the annual fee.

There is no 0% APR for purchases or balance transfers with this card. The APR is 18.74% (variable).

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/  

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

IHG ® Rewards Club Premier Credit Card

Check out the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For each dollar spent at participating IHG hotels, earn 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants. 

Plus, all other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card offers a free one-night hotel stay annually. Plus, there is a variety of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.

The most significant issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the annual fee is $89.

Get it here: https://creditcards.chase.com/a1/ihg/premiernaep 

Marriott Rewards® Premier Plus Credit Card

This credit card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases. 

Spend $3,000 in the first three months from account opening and get two free night awards (each worth up to 35,000 points). 

Cardholders get access to perks including a free one-night stay every year after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.

Details

Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points. 

Spend $35,000 each account year and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.

There is an annual fee of $95. The APR is a 17.99– 24.99% variable.

Get it here: https://creditcards.chase.com/marriott/apply 

What is the Easiest Business Credit Card to Get for Cash Back?

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases. So this is for the initial 15 months an account is open. 

But when the introductory period expires, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This card has numerous benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, earn 5% cash back at US office supply stores and on wireless telephone services. So, these must be purchased from US providers. But this pertains to the initial $50,000 of annual spending. Then, you get 1% cash back.

You also earn 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending. Then, you get 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The credit card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%. 

And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279 

Capital One® Quicksilver® Card 

Check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 annual fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that. 

A cash bonus of $150 is on offer for those who make a minimum of $500 in purchases in 3 months of account opening.

Details

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

This card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/ 

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

What is the Easiest Business Credit Card to Get Which is Secured?

Wells Fargo Business Secured Credit Card

Have a look at the Wells Fargo Business Secured Credit Card. It charges a $25 annual fee per card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is meant to help cardholders set up or rebuild their credit.

Select this card if you want to get 1.5% per dollar in purchases with no limits or get one point for every dollar in purchases. You also get 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a card for balance transfers.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/ 

What is the Easiest Business Credit Card to Get for Jackpot Rewards?

Chase Sapphire Preferred® Card

Have a look at the Chase Sapphire Preferred® Card for travel points.

You can earn two points per dollar spent on travel and dining at restaurants. And you can get one point per dollar on all other purchases. Points can be redeemed for cash back, gift cards, or travel. 

The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.

When you spend $4,000 in the initial 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

You can get an unlimited two points per dollar for travel and dining at restaurants. And after that get one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So, these include British Airways, Southwest Airlines, United, and Marriott.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.

Get it here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred 

Ink Business Preferred ℠ Credit Card

Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa card.

Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.

Details

Earn 80,000 bonus points when you spend $5,000 in the first 3 months from account opening. There is an annual fee of $95. You can add employee cards at no additional cost.

This card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases earn an unlimited flat rate of one point per dollar. And there is no introductory APR

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred 

What is the Easiest Business Credit Card to Get for You?Get a Business Credit Card the Easy Way Credit Suite

Your outright best company credit cards hinge on your credit history and scores.

Only you can select which features you want and need. So, make sure to do your homework. What is outstanding for you could be disastrous for another person.

And, as always, be sure to build credit in the recommended order for the best, quickest benefits.

The post You Asked, We Answered: What is the Easiest Business Credit Card to Get? appeared first on Credit Suite.

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your …

Global Stocks Rise Ahead of Fed Decisions

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Iron Ox is looking for a DevOps engineer to help scale automated indoor farming

Article URL: https://jobs.lever.co/ironox/8b791834-c839-4a82-a222-a98244f9ac72

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Just How To Easily Sell Your Annuity Payments

Exactly How To Easily Sell Your Annuity Payments

Some companies acquisition annuities from capitalists that require physical cash; this procedure is called marketing annuity settlements. If you are intending to offer your annuity settlements reviewed this short article initially to discover!

Marketing a part or every one of your annuity repayments uses you a chance to make use of the cash in its complete possibility. The majority of the marketing annuity layaway plan are personalized, making it possible for the individual participated in it to determine just how much is to be paid independently.

There are more crucial points to bear in mind if you are thinking about on involving on offering annuity settlements such as:

Constantly keep in mind that firms that acquire organized negotiations wish to benefit from their acquisitions. The revenues will certainly come out of the settlements that can be gotten or else. Is it obtaining the organized lasting repayment or obtaining swelling amount repayment?

This is a common organized negotiation which is created to offer significant tax obligation benefits to hurt complainant. Reasonably, there can be significant tax obligation repercussions attached with all or simply a component of the negotiation. There is a solid opportunity that a swelling amount obtained via the negotiation sale will certainly be exhausted.

The earning capability will certainly not be that crucial if you are thinking about paying out currently however it will certainly be a great deal various if your earning ability is harmed. You have to consider your future funds if you are making choices regarding marketing your negotiation.

Discover if your state drops under 2/3 of your state that limits the organized negotiation sale. It’s feasible to obtain rejection from insurance policy business that releases the annuity for organized negotiation. They will certainly not work together; rather they will certainly insist particular settlements that can not be designated as well as mention plan language.

You can tailor your setting of offering annuity settlements. Given that offering annuity repayments can truly be a complicated procedure, appointment with the economic professionals are suggested whenever you are assuming of marketing.

One more element to think about in offering annuity settlements is your purchaser. A certified customer of annuity settlements can use you leading buck so you have to be selective. When you require it; generally simply for a pair of weeks, they can also provide you pay.

Having an annuity agreement is crucial so as to clarify your negotiation. You have to be certain that your customer completely comprehends the agreement prior to authorizing it.

The above suggestions are simply preliminaries in the procedure of offering annuity repayments. Annuity repayments can actually be a complicated term a lot more challenging is the procedure entailed to offer them.

You have to not be conveniently inhibited with this, considering that offering annuity settlements is an extremely profitable alternative of getting cash, you need to spend much to obtain much!

Some services acquisition annuities from financiers that require physical cash; this procedure is called marketing annuity settlements. If you are intending to offer your annuity settlements reviewed this short article initially to find out! Is it obtaining the organized long-lasting repayment or obtaining swelling amount repayment?

Because marketing annuity settlements can truly be an intricate procedure, appointment with the economic professionals are advised whenever you are believing of marketing.

An additional aspect to take into consideration in marketing annuity repayments is your purchaser.

The post Just How To Easily Sell Your Annuity Payments appeared first on ROI Credit Builders.

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives

When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your funding early after that there can be hefty charges. There are some options to lendings if you desire to obtain cash:

Overdraft accounts

One of the most affordable methods of obtaining cash is with the usage of an over-limit, specifically if you desire to obtain cash on a temporary basis. Over-limits are still not a good idea as a lengthy term ways of obtaining cash, as well as the quantity of credit history you can obtain is usually rather reduced.

Charge card

Credit rating cards are one of the most typical options to financings, as well as can supply you with a great resource of additional cash when required. The significant trouble with credit report cards is that the rate of interest is normally greater than a lending, and also there is a threat of obtaining as well numerous cards.

Home mortgages

Home mortgages are possibly the ideal means to obtain huge amounts of cash over a lengthy duration of time. You can include credit scores to your home loan by obtaining versus the equity in your residence as well as including that quantity to your settlements.

Work with acquisition

Employ acquisition is valuable if you are obtaining cash to acquire an auto or high worth electric items. Vehicle suppliers usually provide this approach of obtaining cash throughout the sale.
This is an excellent approach for getting an auto as the rate of interest is usually less than a regular finance, and also it is facilitated by the truth that the credit history is offered by the vendor. It is called ’employ’ acquisition since up until you complete all of the settlements, you do not have the thing, and also if you miss out on repayment the thing can be repossessed.

Which is ideal?

Choosing if among these finance options is ideal for you can be complicated, however to aid you choose you need to exercise what it is you intend to obtain cash for, how much time you intend to be repaying the cash, and also your general monetary scenario. You will certainly discover the ideal technique of credit history for your requirements if you look at all the alternatives.

When assuming regarding obtaining cash, a lot of individuals look at car loans as the most reasonable alternative. It is real that car loans are usually a great choice for obtaining cash, they are likewise stringent, as well as if you are somebody that desires to pay back your financing early after that there can be hefty fines. There are some options to lendings if you desire to obtain cash:

One of the most inexpensive means of obtaining cash is with the usage of an overdraft account, particularly if you desire to obtain cash on a temporary basis. Credit report cards are one of the most typical choices to financings, and also can give you with a great resource of additional cash when required.

The post The Most Effective Loan Alternatives appeared first on ROI Credit Builders.

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives

When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your funding early after that there can be hefty charges. There are some options to lendings if you desire to obtain cash:

Overdraft accounts

One of the most affordable methods of obtaining cash is with the usage of an over-limit, specifically if you desire to obtain cash on a temporary basis. Over-limits are still not a good idea as a lengthy term ways of obtaining cash, as well as the quantity of credit history you can obtain is usually rather reduced.

Charge card

Credit rating cards are one of the most typical options to financings, as well as can supply you with a great resource of additional cash when required. The significant trouble with credit report cards is that the rate of interest is normally greater than a lending, and also there is a threat of obtaining as well numerous cards.

Home mortgages

Home mortgages are possibly the ideal means to obtain huge amounts of cash over a lengthy duration of time. You can include credit scores to your home loan by obtaining versus the equity in your residence as well as including that quantity to your settlements.

Work with acquisition

Employ acquisition is valuable if you are obtaining cash to acquire an auto or high worth electric items. Vehicle suppliers usually provide this approach of obtaining cash throughout the sale.
This is an excellent approach for getting an auto as the rate of interest is usually less than a regular finance, and also it is facilitated by the truth that the credit history is offered by the vendor. It is called ’employ’ acquisition since up until you complete all of the settlements, you do not have the thing, and also if you miss out on repayment the thing can be repossessed.

Which is ideal?

Choosing if among these finance options is ideal for you can be complicated, however to aid you choose you need to exercise what it is you intend to obtain cash for, how much time you intend to be repaying the cash, and also your general monetary scenario. You will certainly discover the ideal technique of credit history for your requirements if you look at all the alternatives.

When assuming regarding obtaining cash, a lot of individuals look at car loans as the most reasonable alternative. It is real that car loans are usually a great choice for obtaining cash, they are likewise stringent, as well as if you are somebody that desires to pay back your financing early after that there can be hefty fines. There are some options to lendings if you desire to obtain cash:

One of the most inexpensive means of obtaining cash is with the usage of an overdraft account, particularly if you desire to obtain cash on a temporary basis. Credit report cards are one of the most typical choices to financings, and also can give you with a great resource of additional cash when required.

The post The Most Effective Loan Alternatives appeared first on ROI Credit Builders.