New comment by eddiecalzone in "Ask HN: Who is hiring? (May 2020)"

Rally Health | Multiple openings: Back-end (Scala/Play), Front-end (React), Security, Devops, test automation, Engineering Managers, Product Managers, Network Engineers, others | Chicago, DC, San Francisco, others | Full-time, REMOTE | https://grnh.se/25bbc9f91

Multiple openings for front-end (typical React stack, Android/iOS, etc), back-end (Scala/Play, all levels welcome), Security, Dev-ops (still a thing), test automation, engineering managers, product managers, QA, Network Engineers, many more.

100% remote interview/hiring process until coronapocalypse subsides. After that, work from our offices in Chicago, DC, Denver, San Fran, L.A., Las Vegas, Minneapolis, or remotely.

tl;dr: great people, great benefits, great mission, great technology in a collaborative environment. There’s also a nice referral bonus, so here’s my loaded URL:

https://grnh.se/25bbc9f91
(Click [Browse Openings] at the bottom of the page)

_________

Rally believes in putting health care in the hands of individuals with a seamless experience, providing personalized, data-driven information and recommendations that can help improve outcomes and decrease costs for everyone. Rally’s Health Solutions help members set personalized daily goals, gives recommendations, and incentivizes progress with rewards. Rally’s Care Solutions make healthcare costs easy to understand and care easy to find. More than 20 million consumers currently have access to the Rally platform through payers such as UnitedHealthcare, BlueCross BlueShield of South Carolina, and thousands of employer groups. Rallyers have dedicated themselves to transforming the health care industry for the better.

New comment by ale6rbd in "Ask HN: Freelancer? Seeking freelancer? (May 2020)"

SEEKING WORK: Remote Location: Europe What I do: I’m a SaaS and B2B content writer and seo strategist and have been helping brands with long-form content and specific keyword targeting so they can get on the first page of Google. I also specialize in outreach, LinkedIn, and if you need a bit of help with … Continue reading New comment by ale6rbd in "Ask HN: Freelancer? Seeking freelancer? (May 2020)"

Regarding Employment Insurance

Concerning Employment Insurance

That can likewise be stated concerning occupations and also tasks. Lack of offered job, mass lay-off and also retrenchments, mergings and also reconstructions, in today quick rate anything can take place.

Being ready is constantly the most effective means to support the results of loosing revenue. Having insurance coverage work makes you remain to take pleasure in the advantages of revenue. Work insurance policy can assist you on obtaining maternal, health issues thoughtful treatment solutions, offer assistance for a family member that is ill, looking after a baby, also fishing advantages as well as much more.

To look for a work insurance coverage all you need to do is send an application online. When the candidate will certainly get cash when out of work, Employment insurance coverage is paid also.

When making an application for a work insurance coverage a “Record of Employment” will certainly be needed from you that you will certainly need to receive from your last company or an evidence of work like pay slides, pay stubs as well as accreditation.

Various other papers that you will certainly require when you obtain an Insurance Employment will certainly consist of:

Social insurance coverage Number. You will certainly have to provide a document of work covering the previous 52 weeks When asserting for clinical as well as health issues advantage, a clinical certification will certainly have to be equipped.

Checks or nullified checks from your present individual account will certainly be called for, as settlements will certainly be made straight to that account. When obtaining adult advantages, the Social Insurance variety of the various other moms and dad will certainly be needed.

If you are using for caring treatment advantage, a clinical certification has actually to be provided. Do not postpone when using for a work insurance policy, postponing the application past 4 weeks can trigger fines or loss of advantages.

You will certainly have to compensate the quantity out of your work insurance policy advantage if you obtain monetary support develop the social solutions while waiting to obtain the Insurance work cases.

If you are indisposed as well as can not look for your work insurance coverage, a visit agent can be appointed to do the application in your place,

After you have actually looked for your work insurance policy, you will certainly obtain in your mail an advantage declaration consisting of an accessibility code and also the day for your very first record. Having an accessibility code does not yet imply that your case has actually currently been chosen. Along with this will certainly be a guideline on exactly how to finish your record.

You will certainly begin getting your work insurance policy advantages 28 days after the declaring if you have actually submitted your record with all the called for info pleased.

Having insurance policy work makes you proceed to delight in the advantages of earnings. Work insurance coverage can help you on getting maternal, illness thoughtful treatment solutions, supply assistance for a participant of the family members that is ill, caring for a baby, also fishing advantages and also numerous even more.

You will certainly have to provide a document of work covering the previous 52 weeks When asserting for clinical and also illness advantage, a clinical certification will certainly have to be equipped. Do not postpone when using for a work insurance policy, postponing the application past 4 weeks can trigger fines or loss of advantages.

After you have actually used for your work insurance coverage, you will certainly get in your mail an advantage declaration consisting of a gain access to code as well as the day for your very first record.

The post Regarding Employment Insurance appeared first on ROI Credit Builders.

National Debt Consolidation-They Do Exist

National Debt Consolidation-They Do Exist Not just exist financial debt combination car loans offered with economic sector financial institutions and also lending institution, there are likewise national debt loan consolidation finances offered as well. These lendings are moneyed by numerous federal government companies as well as are tailored to assist individuals obtain some monetary alleviation …

How to Get a Business Loan: 5 Hot Tips to Make the Process Easier

Do you know how to get a business loan? It’s a broad topic. Probably more so than you realize. I mean, what kind of loan do you need? What type of lender will you use? Do you even qualify for a business loan? Are there other options? Can you afford a business loan? Then, these days, there is the question of whether you qualify for any of the COVID-19 relief loans.

Do You Know How to Get a Business Loan? Here Are 5 Things you Can Do to Make it Easier

These are all questions that you need answer to before you can even think about how to get a business loan. That’s because those answers affect the process. However, there are a few things that, across the board, can make getting a business loan easier.

1. How to Get a Business Loan: Evaluate Your Fundability

When most people start thinking about how to get a business loan, they think about credit. Sometimes they even wonder about business credit, but they usually have the wrong idea about that. What they are really wondering is, is their business fundable? Fundability itself is often misunderstood, being confused with credit.

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

First, it has to do with much more than credit, either business or personal. Fundability includes such things as how your business is set up, what information is out there that connects you to your business, and other factors that you have probably never thought about in relation to getting a business loan.

Fundability is essential in how to get a business loan. The following things all affect the fundability of your business. Take some time to consider each of them and the effect each may have on your ability to get a loan. Basically, you need to do an analysis of fundability for your business. Doing so will help you get things in order so that it will be easier to get a business loan.

Consider Your Business Credit

No brainer, right? Business credit definitely comes into play. But, where do business credit reports come from? There are a lot of different places, but the main ones are Dun & Bradstreet, Experian, Equifax, and FICO SBSS. Since you have no way of knowing which one your lender will choose, you need to make sure all of these reports are up to date and accurate.

What Data is Coming Out of Other Business Data Agencies

In addition to the business credit reporting agencies that directly calculate and issue credit reports, there are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. You cannot see your reports from these agencies, and you cannot change the data they already have on you or your business. What you can do, however, is ensure that any new information they collect is positive.

Identification Numbers

Dun & Bradstreet is the largest and most commonly used business credit reporting agency. Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website. You must have this number to have a file with D&B, and you have to have a file with D&B to build business credit.

Business Information

It may seem obvious that all of your business information should be the same across the board. However, when you start changing things up, like adding a business phone number and address or incorporating, some things may slip through the cracks. Make sure all your information is updated everywhere. Check licenses, insurances, deeds, and anything else you can think of for consistency in name and contact information. Then, be sure the same information is on your loan application.

Financial Statements

Both your personal and business tax returns need to be in order. Also, you need to be actually paying both.

Bureaus

There are several other agencies that hold information related to your personal finances. For example, ChexSystems issues reports that can affect fundability. These reports, in the simplest terms, detail bad check activity. This affects your bank score. If you have too many bad checks, you will not be able to open a bank account. As you can imagine that is a big problem when it comes to fundability.

Personal Credit History

Your personal credit score from Experian, Equifax, and Transunion all affect the overall fundability of your business. If it isn’t great right now, get to work on it. The number one way to get a strong personal credit score or improve a weak one is to make payments on time, consistently.

The Application Process

Next, make sure that your business name, business address, and ownership status are all verifiable. Lenders will check. Then, make sure you choose the right lending product for your business and your needs.

2. Make Sure You are Set Up Properly

How your business is set up also makes a difference in how to get a business loan. For one, if your business isn’t set up as a separate entity from you as the owner, your ability to get a loan will rest solely on your personal credit. You don’t want that. When you separate your business from yourself, your personal credit will still matter, but it won’t be the only thing that matters. Here is how to make sure your business set up separate from you.

Get Your Business Its Own Contact Information

Your business needs its own phone number, fax number, and address. You can easily get a business phone number and fax number that works over the internet instead of phone lines.

In addition, you can use a virtual office for a business address. There are businesses that offer a physical address for a fee. Sometimes they even offer mail service and live receptionist options. In addition, there are some that offer meeting spaces for those times you may need to meet a client or customer in person.

Get an EIN

The next thing you need to do is get an EIN for your business. This is an identifying number for your business that works in a way similar to how your SSN works for you personally. You can get one for free from the IRS.

You Have to Incorporate

Incorporating your business as an LLC, S-corp, or corporation is necessary for separation. It also lends helps your business be seen as legitimate. In addition, it offers some protection from liability.

Business Bank Account

You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of business finances. It will also help you keep them separate from personal finances for tax purposes. Additionally, there are several types of funding you cannot get without a business bank account.

Licenses

For a business to be legitimate it has to have all of the necessary licenses it needs to run. If it doesn’t, that is a huge warning to lenders.

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

Website

I am sure you are wondering how a business website can affect your ability to get funding. Having a poorly put together website can be even worse than not having one at all. It is the first impression you make, and if it appears to be unprofessional, it won’t look good.

Spend the time and money necessary to ensure your website is professionally designed and works well. Pay for hosting too. Don’t use a free hosting service. Along these same lines, your business needs a dedicated business email address. Make sure it has the same URL as your Website. Don’t use a free service such as Yahoo or Gmail.

3. Build Business Credit Now

How do you build business credit? Well, after your business is set up to be separate from you, the owner, you have to get accounts reporting payments to the business credit reporting agencies.

There are a few ways to do this. The easiest way is to ask those merchants you already work with if they will extend credit and report payments.

Another option is to ask those that you already pay each month to report your payments to the business credit reporting agencies (CRAs). This would be things like utility payments, internet, or rent.

The last option is what we call starter vendors. These are vendors that will offer net terms on invoices without a credit check, and then report those payments to the business CRAs.

Once you have several of these initial accounts reporting positive payment history for a few months, you can start to apply for cards that will check your business credit. Start with store cards like Office Depot or Best Buy. Then, when you get a few of those, move on to fleet cards from companies like Shell and Fuelman. After that, you can apply for standard business credit cards that are not limited to where you can use them or what you can use them for, and you can get approval based on your business credit. As you make on time payments, your business credit score will continue to get stronger.

4. Research Lenders and Products

There are many types of loans and lenders. You need to know which ones will work best for you and your situation. Applying for the right product for your business from the right lender will go a long way toward approval.

Traditional Term Loans

These are the loans that you go to the bank to get. As a business, your business credit score can help you get some types of funding even if your personal score isn’t awesome. That isn’t necessarily the case with this type of funding however.

With a traditional lender term loan, you are almost always going to have to give a personal guarantee. This means they will check your personal credit. If your personal credit score isn’t in order, you will likely not get approval.

What kind of personal credit score do you need to have in order to qualify for a traditional term loan? If you have at least a 750 you are in pretty good shape. Sometimes you can get approval with a score of 700+, but the terms will not be as favorable.

If you have really great business credit, your lender might be more inclined to be a little more flexible. However, your personal credit score will still weigh heavily on the terms and interest rate.

SBA Loans

These are traditional bank loans, but they have a guarantee from the federal government. The Small Business Administration, or SBA, works with lenders to offer small businesses funding solutions that they may not be able to get based on their own credit history. Because of the government guarantee, lenders are able to relax a little on the personal credit score requirements.

In fact, it is possible to get an SBA microloan with a personal credit score between 620 and 640. These are very small loans, up to $50,000. They may require personal collateral as well.

The trade-off with SBA loans is that the application progress is lengthy. There is a ton of red tape connected with these types of loans.

Currently, there are some changes to some SBA loan programs related to the COVID-19 pandemic.

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

Business Line of Credit

This is basically the traditional lender’s version of a business credit card. However, rates are typically much better than a credit card. The application and approval process is similar to that of a traditional term loan.

Non-Traditional Lenders

These are lenders other than traditional banks and credit unions that offer terms loans. The difference between these and traditional lenders is that the loans have looser approval requirements and a much faster application process. Typically, you can simply apply online, get approval in as little as 24 hours, and the funds are in your account within 24 to 48 hours after approval. They work well if your personal credit isn’t terrible and you need funding quickly.

One Way How to Get a Business Loan is to Have a Workable, Professional Business Plan

The next step in how to get a small business loan is the business plan. You have to convince lenders that your business will be a good investment. Honestly, it’s best to hire professional writers and researchers to help you put this together. If you can’t, there are plenty of free resources online to help. This includes templates. For the most part, a well put together business plan should include the following.

An Executive Summary
Description
Strategies
Market Analysis
Analysis of audience
Competitive Analysis
Plan for Design and Development
Plan for Operation and Management
Financials
Financial Information

How to Get a Business Loan: There Are No Guarantees

The truth is, even if you do all of these things, there are no guarantees when it comes to how to get a business loan. However, these things can increase your chances in a huge way. All of it makes a difference. Still, fundability is the number one tool lenders use to make decisions. Business credit and personal credit are a huge part of this. If you are fundable, and you have a winning plan, you can get the funds you need to run and grow your business.

The post How to Get a Business Loan: 5 Hot Tips to Make the Process Easier appeared first on Credit Suite.

How to Find Small Business Loans for Women

Female business owners can find small business loans for women to help fund their business. That’s not their only option though. The key, I think, lies with the terminology. The truth is, there are some funding options that are geared specifically toward women. However, they are few and far between, and they aren’t really loans. While some female geared organizations offer funding options for women only, they are typically in the form of grants.

During the COVID-19 situation, there are still loans out there which are specifically for women. But women entrepreneurs should also be looking into SBA Paycheck Protection Program funding.

Is There a Secret Sauce to Finding Small Business Loans for Women?

It isn’t a bad idea to pursue these options. Yet, that can’t be where it ends. Honestly, you cannot rely solely on specific small business loans for women. In fact, what you are really looking for are loans available to everyone that may work better for women than others. Regardless, you need to position your business to be fundable no matter the gender of the owner. If there is a secret sauce, fundability is it.

Get our business credit building checklist and build business credit the fast and easy way.

Small Business Loans for Women: The Small Business Administration

When it comes to small business loans for women, the Small Business Administration is the cornerstone. Basically, since the loans are guaranteed by the government, they are easier for almost anyone to qualify for than regular traditional loans. Here’s a sample of the loan programs the SBA offers.

7(a) Loans

This is the Small Business Administration’s flagship loan program. It offers federally funded term loans up to $5 million. The funds can be used for expansion, purchasing equipment, working capital and more. These funds are distributed through traditional lenders.

504 Loans

These loans are also available up to $5 million and can buy machinery, facilities, or land. They are generally used for expansion. Similarly, private sector lenders or nonprofits process and disburse these funds. Furthermore, they work especially well for commercial real estate purchases.

Microloans

Microloans are available in amounts up to $50,000. They work for starting a business, purchasing equipment, buying inventory, or for working capital. For these, community based nonprofits handle funds as intermediaries.

SBA Express Loans

These loans max out at $350,000 and have a much faster turnaround. In fact, the SBA takes 36 hours or less to make a decision. Also, there is not as much application paperwork. As a result, they are a great option for working capital if you qualify.

Other SBA Resources for Women

Remember, take a minute to check out the other resources the SBA offers for female entrepreneurs. For example, the Office of Women’s Business Ownership. Their goal is to enable and empower business owners that are women via advocacy, outreach, and education as well as assistance.

Small Business Loans for Women: Private Lenders

Next, if the SBA doesn’t work out, or if you still need more funding, there are some private lenders for small business that tend to work well when it comes to loans for women in business.

Lending Club

LendingClub functions as a peer-to-peer lender. It offers mostly fixed-term small business loans. Borrowers that get loans from LendingClub generally use loans funds to buy equipment, finance growth or expansion projects, consolidate other debt, or even hire new people.

Lendio

Lendio offers a loan-connection service that dramatically cuts the time it takes for small business owners to find the perfect loan. The key is, they do the legwork by vetting a network of competing small business lenders. With Lendio, funding is fast. It sometimes takes as little as 24 hours.

Blue Vine

BlueVine offers two options for small business financing. They include lines of credit and invoice factoring. Also, they offer the ability to talk with a financing advisor. Their application process takes place exclusively online. The minimum loan amount is $5,000 and the maximum is $100,000. To be eligible for financing from BlueVine, you must be in business for at least 6 months, have revenue of $120,000 per year or more, and have a credit score of at least 600.

Kiva

Kiva has a different lending model. In fact, their platform is vastly different. They are a kind of cross between crowdfunding and lending. Surprisingly, their loans have a 0% interest rate. That means, even though you have to pay it back, it is actually free money. In addition, there is no credit check. The only requirement is that you have to get at least 5 family members or friends to donate money for your business. Furthermore, you yourself have to give at least a $25 loan to another business on the platform.

Grameen

In contrast to most, Grameen actually does offer microloans specifically for women. The loan amounts range from $2,000 to $15,000. They also offer financial training and support.

As a bonus, they report payments to Equifax and Experian. Consequently, these loans help borrowers build credit.

Small Business Loans for Women: Other Resources that Can Help

It can be a good thing to work with these organizations when you are trying to find small business loans for women. Truly, each exists to support and aid women business owners in their small business endeavors. The tips, tricks, and support they offer can make all the difference in finding loans for women in business.

Association of Women’s Business Centers

The AWBC runs a network of business centers geared toward women. These centers work hard to help women succeed. They offer training, business development, financing, and mentoring opportunities.

National Association for Female Executives

Also known as NAFE, this organization does a lot as well. For example, they sponsor events, provide training, and extend other resources to help female business owners achieve success.

National Association of Women Business Owners

In the same way, the NAWBO works nationwide to offer training, events, and other resources to female owned businesses across the country.

SCORE

SCORE is the country’s largest network of expert business mentors that volunteer their time with more than 300 chapters and 10,000 volunteers. They connect female business owners with mentors. Alternatively, they can participate in a workshop to help them learn what they need to know to be successful.

Get our business credit building checklist and build business credit the fast and easy way.

Small Business Loans for Women: A Better Option

The thing is, your gender should not define the funding you are eligible to get. While the nature of our society dictates this somewhat, there are things you can do to ensure your business if fundable despite your gender. Any business, woman owned or not, should be fundable to ensure the availability of funding whenever needed. So, while you are looking for small business loans for women, make sure your fundability is in order.

Start with the Foundation

Your business cannot be fundable if it is not set up properly. That includes the following.

Don’t Use Personal Contact Information for Your Business

This includes a business phone number and fax number, business address, and email address. Not just any email address though. It needs to have the same URL as your website. More on that in a bit.

Dump the SSN for an EIN

An EIN is an identifying number for your business that works in a way similar to how your SSN works for you personally. You can get one for free from the IRS.

Get Incorporated

Incorporating your business as an LLC, S-corp, or corporation is non-negotiable when it comes to building fundability for your business. .

Open a Business Bank Account

Open a separate, dedicated business bank account.

Licenses

Do the research you need to do to ensure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels.

Website

Spend the time and money necessary to ensure your website is professionally designed and works well. Also, pay for hosting. Don’t use a free hosting service

Small Business Loans for Women: What Else Makes a Business Fundable?

The set up is not the end of the story however. It simply sets the business up to build fundability. After that is done, the actual building begins. Unfortunately, it may be more of a matter of damage control than building in the beginning, depending on history.

Business Credit Reports, Business Credit History, and Credit Score

These detail the credit history of your business. They are a tool to help lenders determine how credit worthy your business is.

The most common places for lenders to pull a business credit report from are Dun & Bradstreet, Experian, Equifax, and FICO SBSS. Since you have no way of knowing which one your lender will choose, you need to make sure all of these reports are up to date and accurate.

Lenders will be looking not only at your credit score, but your detailed credit history including:

How many accounts are reporting payments?
How long have you had each account?
What type of accounts are they?
How much credit are you using on each account versus how much is available?
Are you making your payments on these accounts consistently on-time?

Other Business Data Agencies

There are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. They gather data from different sources, including public records. This means they could even have access to information relating to automobile accidents and liens.