Month: June 2020

5 Ways to Raise Money for Business You May Not Think About

Even with the world going crazy due to the COVID-19 pandemic and the resulting economic downslide, it is possible to raise money for business.  The key is to think outside the box and get creative.

Raise Money for Business: Beyond Traditional Loans and Investors

Most often people turn to traditional loans, including SBA loans, and standard investors when they need to raise money for business.  In times like these however, those options may not work so well. That means it will be necessary to seek out ways to fund your business you may not have thought of already.

Raise Money for Business: Angel Investors

Angel investors  are usually only in for a one-time deal. Many choose to spread their risk out over a lot of people and businesses to be certain they get a safe return on their investment.

Angels tend to be a lot more informal than most types of funding. They can be people you know, or people you connect with through networking or other means.

Angels are not covered by the Securities Exchange Commission’s (SEC) standards for accredited investors. Still, a lot of them are accredited investors anyway.

To become an accredited investor, a person has to have a minimal net worth of $1 million and an annual income of $200,000.

There are a number of angels who aren’t millionaires. They could be friends or colleagues with home equity, or local professionals who are looking to invest.

raise money for business Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

How Do You Find Angel Investors?

The best way to find these kinds of investors is to ask. You can also try an angel investors website or network. Try Gust, which used to be called Angel Soft. They keep a database of investors, companies, and programs. Startups can also search for business plan competitions and more.

Another option is to look at the biggest angel investor groups. Be aware, however, that these meetings are really only going to happen if you can get an introduction.

According to Entrepreneur, in order from smallest to largest the top 10 Angel Investor groups are:

  1. New York Angels Inc.
  2. Alliance of Angels (Seattle)
  3. Pasadena Angels
  4. Hyde Park Angel Network (Chicago)
  5. Band of Angels (Menlo Park, CA)
  6. North Coast Angel Fund (Cleveland)
  7. Golden Seeds LLC (NYC)
  8. Investors’ Circle (San Francisco)
  9. Tech Coast Angels (Los Angeles) and
  10. Ohio Tech Angel Funds (Columbus, OH)

Focus and requirements may vary from group to group.  For example, some concentrate on local startups only. Do your research so you don’t waste yours and the angels’ time if it isn’t a good fit.

Raise Money for Business: Crowdfunding

Crowdfunding sites allow you to pitch your business to thousands of micro investors. Anyone who wants a piece of the action can buy in.

Investors pledge amounts ranging from as low as $5 to as high as they want. They may give $5, $80, $150, or even over $500. As a general rule, they can give as much or as little as they want.

Though not always necessary, most business owners offer rewards for investment. Typically, this comes in the form of the product the business will be selling. Different levels of giving result in different rewards.

Raise Money for Business: Credit Cards

You have to be careful with this one.  Many would consider it the easy way out.  This is because even with credit that isn’t stellar, credit cards aren’t all that hard to get.  They also are not hard to get in trouble with. If you have established business credit, it’s best to use that to get credit cards to raise money for business.

If you do not have business credit, it’s time to fix that.  Regardless of the state of the economy, you need business credit to access funding for capital, growth, and expansion. Building business credit can happen even in a recession.

Raise Money for Business: Credit Line Hybrid

A credit line hybrid is revolving, unsecured financing.  It allows you to fund your business without putting up collateral, and you only pay back what you use.

What Does it Take to Qualify?

It is not as hard to qualify as you may think.  You do need good personal credit.  That is, your personal credit score should be at least 685.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Also, in the past 6 months, you should have less than 5 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards.  It’s also preferred that you have established business credit as well as personal credit.

raise money for business Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

If you do not meet all of the requirements, all is not lost. You can take on a credit partner that meets each of these requirements.  Many business owners work with a friend or relative to fund their business.  If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding.

Why Is It Such a Great Option?

There are many benefits to using a credit line hybrid.  First, it is unsecured, meaning you do not have to have any collateral to put up.  Next, the funding is “no-doc.”  This means you do not have to provide any bank statements or financials.

Not only that, but typically approval is up to 5x that of the highest credit limit on the personal credit report. Additionally, often you can get interest rates as low as 0% for the first few months, allowing you to put that savings back into your business.

The process is pretty fast, especially with a qualified expert to walk you through it.  One other benefit is this.  With the approval for multiple credit cards, competition is created.  This makes it easier, and likely even if you handle the credit responsibly, that you can get interest rates lowered and limits raised every few months.

Build Business Credit with a Credit Line Hybrid

The key is the approval of multiple business credit cards at once.  If your business is set up properly, they will report your on-time payments to the business credit reporting agencies.  These include Dun & Bradstreet, Experian, and Equifax mostly, though there are others. Not all of them report to all of the CRAs, but some of them report to at least one.  Each account reporting consistent on-time payments helps you build strong business credit.

The Connection Between Business Credit and Fundability

Here is how it works.  The fundability of your business is like a huge puzzle.  All the pieces fit together, and you have to have all the pieces to see the complete picture.  Unlike a puzzle, some pieces are bigger than others, meaning if you are missing those pieces, the impact on your complete fundability picture is bigger. Business credit is the biggest piece of the fundability puzzle.

To begin building business credit, and thus fundability, you first have to set your business up to be a fundability entity apart from yourself.

How to Set Up Your Business to Build Business Credit and Be Fundable

There are a few things you have to do to be sure that your business debts are reported to the business credit reporting agencies and thus your business credit report, not your personal credit report.

Make Sure You Have Separate Contact Information

Your business has to have its own phone number, fax number, and address.  You can still run your business from your home or on your computer if that is what you want.  There is no need to even have a fax machine.

You can get a business phone number and fax number that will work over the internet instead of phone lines.  Also, the phone number will forward to any phone you want.  As a result, you can simply use your personal cell phone or landline.  Whenever someone calls your business number it will ring straight through.

Faxes can be sent to an online fax service, if anyone ever happens to actually fax you.  This part may seem outdated, but it does help your business appear legitimate to lenders.

You can use a virtual office for a business address. How do you get a virtual office?  What is that?  It’s not what you may think.  This is a business that offers a physical address for a fee, and sometimes they even offer mail service and live receptionist services.  In addition, there are some that offer meeting spaces for those times you may need to have an in person meeting.

You Need an EIN

Next, get an EIN for your business.  This is an identifying number that works for your business the same way your SSN works for you personally. By using an EIN for business transactions, you help ensure your SSN is not associated with your business.  That makes it more likely your account will report to your personal credit rather than your business credit. You can get an EIN for free from the IRS.

You Have to Incorporate

Incorporating your business as an LLC, S-corp, or corporation is non-negotiable.  First, it lends credence to your business as one that is legitimate. Also, it offers some protection from liability.

Which option you choose does not matter as much for fundability as it does for other things.  Your budget and need for liability protection play more into that decision.   The best thing to do is talk to your attorney or a tax professional.  You will lose the time in business that you already have.  When you incorporate, you become a new entity. That means, you basically have to start over.  You’ll also lose any positive payment history you may have accumulated.

This is why you have to incorporate as soon as possible.  Time in business is also important to building business credit and fundability.  The longer you have been in business the more fundable you appear to be. That starts on the date of incorporation, not the date you started doing business.

You Must Open a Separate 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.

raise money for business Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

There’s more to it however.  There are several types of funding you cannot get without a business bank account.  Many lenders and credit cards want to see one with a minimum average balance.  In addition, you cannot get a merchant account without a business account at a bank. That means, you cannot take credit card payments.  Studies show consumers tend to spend more when they can pay by credit card.

Licenses

For a business to be legitimate it has to have all of the necessary licenses it needs to run.  If it doesn’t, red flags are going to fly up all over the place.  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.

No Matter What the Economy Looks Like, You Will Always Need to Raise Money for Business

As you can see, there are a few ways to raise money for business.  The need to do this is not something that comes along just with a recession.  With or without the COVID-19 pandemic and resulting economic crash, you would still need funding for your business at some point.  If your business is suffering due to the pandemic and needs for social distancing, be sure you take advantage of all that is available.  This includes the Paycheck Protection Plan, as well as relief options from the Federal and State governments.  Even some businesses and professional organizations are offering help.

The first options mentioned however, including the credit line hybrid, are always available.  Be sure you work now to get your fundability and business credit in order. It will serve you well not only in hard economic times, but when the dust settles as well.

The post 5 Ways to Raise Money for Business You May Not Think About appeared first on Credit Suite.

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Just how Well Do We Understand Social Security?

Just how Well Do We Understand Social Security?

The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American residents. 6.2% is secured of their salaries as well as a matching 6.2% matching payments of companies over all made up the social safety and security payments. Payments quit after the initial 90k of earnings is gotten to per participant.
The optimal Social Security situation is in which the payments are a lot greater than the quantity of advantages to be offered. As well as any type of excess fund after paying all advantages is positioned right into a Trust Fund. The Trust Fund is after that spent in Treasury Bonds because the regulation needs it.
The United States Government might make use of the cash however needs to spend for it later on. Throughout the year 2003 the management headed by Pres. Bush has actually gathered a shortage of $536 billion in which the $156 billion excess of Social Security was utilized. The issue currently is that the management is drawing away all concerns far from the fund they obtained and also is entirely overlooking the entire problem by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
They are likewise stating that if not privatize, the Social Security will certainly have to reduce on some of the future advantages. As well as what takes place currently is that the federal government takes on the fund, invest it as well as after that fail to remember all concerning it which is not excellent given that it impacts the advantages to be gotten by social safety participants.
There should certainly appertain allowances of funds indicating that the fund for Social Security Benefits must not be utilized for battle and also tax obligation cuts. And also if ever before, it is made use of after that the management needs to be liable sufficient in returning the cash they have actually obtained. Its not theirs to begin with, it’s for the American individuals that have actually striven in order to save money on for their future.

The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American people. The issue currently is that the management is drawing away all concerns away from the fund they obtained and also is totally ignoring the entire concern by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
And also what takes place currently is that the federal government takes on the fund, invest it and also after that neglect all regarding it which is not excellent given that it impacts the advantages to be gotten by social protection participants.
There ought to be appropriate allotments of funds suggesting that the fund for Social Security Benefits ought to not be utilized for battle as well as tax obligation cuts.

The post Just how Well Do We Understand Social Security? appeared first on ROI Credit Builders.

Bitmovin (YC S15) Is Hiring JavaScript Senior Software Engineers

Article URL: https://bitmovin.com/careers-legacy/4038694002/?gh_jid=4038694002 Comments URL: https://news.ycombinator.com/item?id=23416587 Points: 1 # Comments: 0

How to Get a Business Credit Card with Bad Personal Credit

Trying to find out how to get a business credit card with bad personal credit? Despite COVID-19?

How to Get a Business Credit Card with Bad Personal Credit

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

Per the SBA, small business credit card limits are a whopping 10 — 100 times that of consumer credit cards!

This shows you can get a lot more cash with business credit. And it also shows you can have personal credit cards at stores. So, you would now have an extra card at the same shops for your business.

And you will not need collateral, cash flow, or financials to get business credit. But you do need to be fundable. And this is even truer as we seem to be sliding right into a recession.

Company Credit Card Benefits

Benefits can differ. So, make certain to pick the benefit you would prefer from this selection of alternatives. Some of our choices call for better to exceptional credit. So, take this time, as we pause and reflect, to improve your credit.

Be Fundable to Get a Business Credit Card with Bad Personal Credit

The best way to get a business credit card with bad personal credit is to build fundability. But what does it mean to be fundable?

Fundable: of or capable of being funded; deserving of being funded. Fundable also suggests – able to be funded by a lending institution or a credit issuer.

Lenders and credit providers want to see if your corporation is a good credit risk. Firms which are fronting your business cash, they wish to know that you can pay them back. They want to be sure you’re not committing fraud. It all starts with your industry.

Industry

Some industries are believed to be high risk or restricted. These industries, by definition, are going to have a more difficult time getting financing of any kind. There may be high risks of injury at work. Or the industry might engage in a lot of cash transactions. 

Industry Aligned on All Records

This is the idea of congruency, and it turns up repeatedly. Business credit reporting bureaus and lenders will analyze your corporation carefully. Among the major ways they do this is by strictly looking for matching records.

Because of this, if your records do not all match, it will show up as if they are missing. Missing records will trigger a rejection, as a loan provider will assume fraud on its face.

Therefore, it is crucial to make sure that every record, anywhere, is identical.

Copy/paste this info; do not chance it with retyping.

Business Name

Including a risky business type in your corporate name will cause funding rejections. Listed corporate ownership must be the same any place you list it. It is best practices to keep a record of every place where your corporation has a listing.

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Find out how to get a business credit card with bad personal credit and more.

Website and Email

A business needs a professional-looking site. And it must have site hosting from a provider like GoDaddy. Do not use Weebly or Wix. It needs to be your domain, not domain.wix.com. Use Upwork to employ people who can help you get set up. Get a professional logo from Fiverr. Email must be on your domain.

Business Address and Phone Number

A business address must be a real brick and mortar building. Hence it must be a deliverable physical address. This can never be a home address or a PO Box. Do not use UPS mailing addresses. 

Never use a home address on your application. 

Your corporation must have its own phone number. Do not give a personal cell or residential phone as a business telephone number. But VOIP (voice over internet protocol) is fine.

Also, your corporate telephone number must be toll-free. This is 800 exchange or such. 

You must list your company phone number on 411. You can do so on http://www.listyourself.net. Your phone number has to have a 411 listing for most credit issuers, lenders, vendors, and even insurance companies to approve you. Check your record to see if you’re listed. Make sure your information is accurate.

Time in Business

Incorporation date, the business license issue date, and the date you opened your business bank account all matter.

Business Bank Account

You need a business bank account, to keep funds separate from personal accounts. Keep a good, positive balance and avoid NSFs.

Business Entity

This defines issues of liability, and it makes a difference when it comes to taxes. The best business entity for fundability is a corporation.

Corporations are legally distinct from their owners. Whether you pick a C-corporation, an S-corporation, or an LLC is your choice.Biz Credit Card with Bad FICO Credit Suite

A sole proprietorship means the business owner is it when it pertains to liability and tax obligations. Nobody else is responsible. Incorporating fixes this.

Any complete company name must include any recorded DBA filing you use. This necessary for document congruency.

But no matter what, if you run a small business as a sole proprietor, the best thing to do is to incorporate. If you have already filed a DBA, you will still need to move onto a corporate business entity. You ought to only look at a DBA as an interim step on the way to incorporation.

Check with your Secretary of State to guarantee they have all the needed details for your business. Make certain that you are in good standing with them, and that your entity is active. You must submit annual reports and pay a fee each year to stay active.

EIN #

Go to the IRS website and get a free EIN for your business. This is also where you choose a business entity like corporation, LLC, etc. To open a business bank account, and file business taxes, you need an EIN, so get this out of the way first. 

Business Licenses

A corporation must have all of the licenses necessary for running. These licenses all must be in the perfect, accurate name of the business. And they must have the same corporate address and telephone numbers.

This means not only state licenses, but potentially also city licenses. Check with your Secretary of State’s office.

Business Credit Bureaus

The biggest and best-known business credit reporting agencies (also called CRAs or bureaus) are D&B, Experian, and Equifax.

Business Data Agencies

These companies collect data and offer it to the business CRAs.

CreditSafe provides alternative credit, where they base some of their scoring on utility and rent payments. These payments are typically not considered by other CRAs unless they’re late. CreditSafe reports these payments whether positive or negative. Third-party payments like Credit Suite, CRM, and software can be included.

LexisNexis is where a number of lenders get their info from. They furnish info on likelihood to pay, or not. If the application and LexisNexis do not match, then loan providers will deny you funding. They will see the disparity as fraud.

The SBFE collects data on small businesses from its members, which are lending institutions. Lenders use this information to make credit decisions.

FICO uses its SBSS (Small Business Scoring Service) Score to combine consumer bureau, monetary, application, and business bureau information. 

Business credit providers and the SBA use the FICO SBSS score as a tool to decide whether they should authorize a loan to your business.

Identification Numbers

CRAs use identification numbers to designate your business.

Experian’s BizSource assigns a BIN (Business Identification Number).

Begin at the D&B website and get a free D-U-N-S number. If there is no D-U-N-S number, then there is no record and no PAYDEX score. Your D-U-N-S plus three payment experiences gets you a PAYDEX score.

Business Credit History

Your company credit history is the single most important driver of your business credit scores. In turn, this influences fundability profoundly.

Late repayments will impact your business credit score for years. If you pay your business financial obligations off, as swiftly as possible and as completely as possible, you can make a very real difference in your credit scores. 

UCC Filings

If the business owner has poor personal credit, lenders will typically secure a UCC blanket lien if they give your company a loan.

This is a note on your credit report. It says the financial institution has an interest in all your corporation’s assets till you pay off the loan in full. Therefore, there may be dire consequences if you default.

UCC filings are a matter of public record. Lenders and credit providers take them into consideration when determining if your business is fundable.

Judgments, Liens, and Bankruptcies

These are all a matter of public record, and they can all negatively impact fundability.

Together with UCC blanket liens are any other liens against your corporate assets. A lien is a credit provider’s right to retain possession of property belonging to until the debt owned by that person or business is discharged.

A lien isn’t quite the same thing as collateral – it’s the property which is subject to the lien is the collateral.

Total number of trade accounts and highest credit limit

These come from credit issuers which give you starter credit when you have none. Terms are usually Net 30, versus revolving.

The more trade accounts, the better. But in general, a few high credit limit accounts do more to enhance business fundability than a large number of very low credit limit accounts.

By getting trade credit ASAP, your trade accounts are as aged as they can be.

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Find out how to get a business credit card with bad personal credit and more.

Financial data

Opening and responsibly using business credit accounts can help you increase your available credit and boost your credit rating. The key is to use your credit. 

Closing accounts has a direct impact on overall credit history. If a card is closed and is in good standing, it will fall off a credit report at some point. And once it’s gone, the history which accompanied it is gone, too. 

By closing accounts, you are tanking the average age of your accounts. It’s a part of fundability over which you have control — simply use your credit and pay it back quickly. In this way, your providers will not feel the need to close accounts for non-use.

Financial Statements

Financial statements include business tax returns. It’s best if these are prepared by an accountant or an accounting company, or at least audited by them.

Tax returns should be complete and up to date. Reported income and expenses should be commensurate with those anticipated from a corporation of your size, age, and industry.

Personal Financials

In particular for newer businesses, credit issuers and lenders will want to see personal financials. This includes taxes and reported income and expenses. Banks will even look at child support and criminal records.

Just like there are business credit reporting agencies, there are CRAs for personal credit. In addition to reporting on business credit, Experian and Equifax also report on personal credit. TransUnion only reports on personal credit. 

Data Agencies

There are companies which collect data and provide it to the personal credit reporting agencies. Some banks and other credit issuers use ChexSystems to get more information on your personal credit habits. They also report on insufficient funds, closed accounts, and overdrafts.

Lenders use LexisNexis information to cross-check loan applications. Your FICO score comes from your payment history, amounts of owed, length of credit history, credit mix, and new credit. 

Personal Credit History

Much like your business credit history matters for calculating fundability, so does personal credit history. Data points like accounts over limit, authorized users, and short sales loom large.

Lenders are looking at settled debt, foreclosures and late payments. They are checking opened accounts and history length. They want to see if there are any bankruptcies in your past.

More than two recent inquiries will be seen as proof of credit shopping. Credit Utilization Rate also matters. Credit Utilization Rate is credit in use, divided by total available credit. Keep this ratio at about 30% or less. Experian checks utilization rate both overall and per credit card.

Application Process

Even the process of applying can have an impact on your fundability. This includes time, negotiations, and whether your application is being made in person. Choosing a lender familiar with your industry makes a positive difference.

Fundability, on Balance

Keep all records consistent to ensure fundability. Set up your business legitimately, with a domain, phone numbers, an address, and more. Get all ID numbers and register with the IRS. Set up your business bank account for fundability. Keep all business financials organized and have them prepared by a competent professional. Get your personal credit ‘house’ in order.

Being fundable means your business can get financing from a credit provider or lender.

How to Get a Business Credit Card with Bad Personal Credit

Capital One® Spark® Classic for Business

Take a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can get unlimited 1% cash back on every purchase for your business, without any minimum to redeem.

While this card is within reach if you have average credit scores, beware of the APR. However if you can pay promptly, and in full, then it’s a bargain.

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

How to Get a Business Credit Card with Bad Personal Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no yearly fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.

Nonetheless, they do not accept every industry.

Also, there are some industries they will not work with, and others where they want more paperwork. Now for a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. So get 4x on Brex Travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

Plus you can have bad credit (even a 300 FICO) to qualify.

And find it here: https://brex.com/lp/startups-higher-limits/  

How to Get a Business Credit Card with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day company purchases like office supplies or client suppers for the initial $50,000 spent each year. Get 1 point per dollar afterwards.

But you will need good to outstanding credit scores to qualify.

Afterwards, find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also take a look at the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. But its rewards are in cash instead of points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. Then get 1%.

It has no annual fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

Yet you will need good to outstanding credit to qualify.

So find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

How to Get a Business Credit Card with Bad Personal Credit for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the first year. Afterwards, this card costs $95 annually. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time with no minimums.

But you will need good to superb credit scores to qualify.

After that, find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Yearly Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. So it has no yearly fee. There is an introductory APR of 0% on purchases for 12 months. After that the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. Yet there is no minimum spend requirement.

You can download transactions conveniently to Quicken, QuickBooks, and Excel. Note: you will need good to outstanding credit to get this card.

And you can find it here: https://www.discover.com/credit-cards/business/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Find out how to get a business credit card with bad personal credit and more.

How to Get a Business Credit Card with Bad Personal Credit for Jackpot Rewards

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And get a one-time $200 cash bonus once you spend $3,000 on purchases in the first three months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

You will need great to excellent credit to qualify.

But you can find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Flexible Financing Credit Cards – Have A Look at Your Options!

The Plum Card® from American Express

Take a look at the Plum Card® from American Express. It has an introductory annual fee of $0 for the first year. After that, pay $250 annually.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need good to outstanding credit to qualify.

But you can find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/

How to Get a Business Credit Card with Bad Personal Credit for Luxurious Travel Points

Ink Business Preferred℠ Credit Card

For a fantastic sign-up offer and bonus categories, check out the Ink Business Preferred℠ Credit Card.

Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the initial 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem through Chase Ultimate Rewards.

Get 3 points per dollar of the initial $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel with Chase Ultimate Rewards. But you will need a good to superb FICO score to qualify.

But you can find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

How to Get a Business Credit Card with Bad Personal Credit for You

The way how to get a business credit card with bad personal credit will hinge on your credit history and scores.

Only you can pick which features you want and need. So, be sure to do your homework. What is outstanding for you could be catastrophic for other people.

And, as always, make certain to build credit in the recommended order for the best, speediest benefits. The COVID-19 situation will not last forever.

The post How to Get a Business Credit Card with Bad Personal Credit appeared first on Credit Suite.

Area College Tuition is Affordable

Neighborhood College Tuition is Affordable

Area universities are regional universities that provide 2 year levels as well as accreditations. Trainees can take courses at area university and also gain credit scores towards a 2 year or 4 year level program.
Neighborhood university tuition prices can be rather budget friendly for any person desiring to persue an university level. Usually neighborhood university tuition is less than 4 year colleges.
The nationwide typical university tuition expense for public colleges is $4,694 annually for in state homeowners. This number consists of both tuition prices as well as charges for a full-time pupil. The typical university tuition expense at exclusive institution of higher learnings is around $20,000 each year in tuition and also charges.
Currently contrast this to the typical neighborhood university tuition price. The typical price of area university tuition is just $2,076 annually. This is much less than fifty percent than a typical 4 year public college and also a lot less than an exclusive university.
If a pupil determines to proceed his or her education and learning towards a bachelor’s level, participating in an area university will certainly likewise assist balance out the prices. Considering that neighborhood university tuition prices are reduced, trainees are not as most likely to be collecting trainee financings which will certainly aid their economic state in long-term future.
An additional element to think about is that every year tuition prices climb. University tuition prices raise at concerning two times the basic rising cost of living price, concerning 8% per year. The future and also long-term expenses are something that all university student, future and also present, need to think about when selecting an university.
Although neighborhood university tuition prices and also 4 year university boost, lots of trainees gain from financial assistance programs. Federal government gives such as the Pell give offer financing for numerous university student. Trainees that go to area universities might certify for gives that would certainly cover most or all of their area university tuition expenses.
Scholarship programs granted by universities, organisations and also non revenue companies are additionally readily available to assist trainees settle the price of area university tuition. With a mix of cost savings, financial assistance, and also scholarships lots of trainees today have the ability to manage area university tuition and also even more their education and learning.

The typical university tuition price at exclusive universities and also colleges is around $20,000 per year in tuition as well as costs.
The future and also lengthy term prices are something that all university pupils, future as well as present, ought to take into consideration when picking an university.
Also though area university tuition prices as well as 4 year university prices enhance, numerous pupils profit from monetary help programs. Pupils that participate in neighborhood universities might certify for gives that would certainly cover most or all of their neighborhood university tuition prices.

The post Area College Tuition is Affordable appeared first on ROI Credit Builders.

New comment by mathman3141 in "Ask HN: Who wants to be hired? (June 2020)"

– Location: Dallas, TX

– Remote: Yes, preferred. Have 2+ years of experience working remote

– Willing to relocate: For the right opportunity

– Technologies
– Languages: SQL, Python, Bash

    - Version Control: Git
    
    - Libraries: pandas, NumPy, SciPy, sklearn, statsmodels, matplobtib
    
    - Analytics Tools: AWS Redshift, Microsoft Excel, Google Analytics
    
    - Databases: Postgres, Redshift, MySQL

– Résumé/CV: https://bit.ly/2Monf5s

– Email: randallhall@icloud.com

New comment by hoversperc in "Ask HN: Freelancer? Seeking freelancer? (June 2020)"

SEEKING WORK | India | REMOTE | FULL STACK DEVELOPER

I am a Full Stack web developer, specializing in React, Node and MongoDB i.e MERN Stack.

My Services:

1. Front End Development (HTML, CSS, JavaScript)

2. Complete Web Applications with React and Node.

3. Back End Development (REST API, SQL/NoSQL Database)

4. Responsive Websites and Landing Pages

Technologies I use:

Front End: HTML, CSS, SASS, JavaScript, jQuery, Bootstrap, MobX, React, React-Router

Back End: Node, Express, PostgreSQL, MongoDB, Bcrypt, Mongoose, JWT

Tools: Babel, Webpack, Version Control/Git, Chrome Devtools

Languages: HTML, CSS, JavaScript, SQL

My Portfolio: https://amit-ghosh.com/portfolio

My GitHub: https://github.com/maverickamit

Availability: Up to 20 hours per week.

Email: amitdgpghosh@gmail.com

Please feel free to reach me at my email for any inquiries.

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

Location: Wellington, FL Remote: Yes Willing to relocate: No Technologies: Javascript, Python, Stata, SQL Résumé/CV: https://docs.google.com/document/d/13_8Gv4h4MQt8pE8g4YWqadzl… Email: Shang_Chen@berkeley.edu I am a current undergraduate at UC Berkeley with a major in economics and a minor in data science. My internship for the summer was cancelled due to the COVID-19 crisis and I’m currently looking for an … Continue reading New comment by shang_chen in "Ask HN: Who wants to be hired? (June 2020)"