The True Story Behind Credit Card Stacking and Why It’s Not Always Bad

Credit card stacking is in the news lately.  Mostly, the news isn’t great. In fact, if you’re reading this, you likely know that. You may very well be thinking that this type of funding is a scam.

Is Credit Card Stacking Always Bad? 

credit card stacking

No, stacking credit cards is not always bad. In fact, a credit card stacking program can be a very useful tool for funding a business. It even works well for startups. You just have to know how to avoid the scams. 

What is Credit Card Stacking?

This type of funding involves applying for multiple credit cards at once. Then when you get approval, you have access to the balances on all of them. You can use the money to fund a business, even drawing cash if you need. 

There is no need for collateral. In fact, this is totally unsecured business financing. However, you do need a personal guarantee. That means you need a decent credit score. Usually, that is a personal credit score of 680 or above. 

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Is Credit Card Stacking a Scam?

No, in and of itself, this type of funding is not a scam. Still, there are scams like this out there. You need to know how to tell the difference between a scam and legitimate card stacking program to fund your business. 

Once you know the difference, you can take advantage of this funding option while protecting yourself and your business. 

About the Seed Capital Card Stacking Scandal

Let’s talk about the elephant in the room. If you do a Google search on “credit card stacking” you are going to see a lot about Seed Capital. They were running a card stacking scam, and the Federal Trade Commission put a stop to it. Here is how it went down.

First, Seed Capital did not tell companies how this funding would work. Borrowers did not realize they were applying for multiple credit cards. In addition, many times these were personal credit cards, and they had no idea. Furthermore, Seed was filling out the credit applications, not the client.

That’s not necessarily terrible if the client knows about it and has given formal permission, but Seed was also found to be lying about the income of the clients on the applications. In fact, sometimes income was inflated by as much as $100,000.

The result was that many clients were getting approval for multiple cards with very high limits. Again, all of this was without their knowledge.

But There Is More to the Seed Capital Story

Now, the rest of the story. That’s right, there’s more. Most clients found Seed when they looked into some sort of business training program. Behind the scenes, the program had a deal with Seed to use their credit card stacking program to finance the training package for the client. 

The client would realize they did not need to or could not make the cash outlay. The training company would offer financing and have the client apply. Then, they would send the info to Seed, who would apply for the credit cards as mentioned above. After that, Seed would let the training company know what the total limit was, and the client would be charged close to that amount, virtually maxing out multiple cards at once.

Not only that, but most clients felt the “training” was a scam itself, believing it not to be useful once they went through the program. Then, they were stuck with thousands of dollars of credit card debt, and a wrecked personal credit score due to high utilization ratios. Unfortunately, they did not have anything useful to show for it. 

Legit Card Stacking to Fund a Business

This is not how legit card stacking programs work. On the contrary, you can actually even do this to fund a startup.  It’s better if you have someone to help you. A professional can help you find the best card options and the lowest rates. 

One common practice is to find cards with 0% introductory rates. This allows for 0% interest, sometimes for over a year, and at least until the introductory rates run out. Credit Suite has a program like this called The Credit Line Hybrid.

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

The Credit Line Hybrid

You need good credit or a credit partner with good credit to qualify for the Credit Line Hybrid. This is unsecured business financing like all credit card stacking, so there is no collateral requirement.  You can use the funds on anything for your business. 

For example: 

  • Real estate
  • Equipment
  • Working capital
  • Even startup expenses

There is no down payment necessary and no income documentation either. This is totally “no-doc” financing. Approval can range up to $150,000. 

The Credit Line Hybrid Requirements

How do you qualify for The Credit LIne Hybrid? You need a personal credit score of 680 or above or a credit partner that does. Other requirements include: 

  • No late payments for the past 24 months
  • 6 inquires or less in the past 6 months
  • No open collections or bankruptcies
  • At least 2 open credit cards with a $2,000 limit or higher
  • At least 1 ½ years good payment history
  • Utilization rate not higher than 40%
  • And no bankruptcies in the past 7 years

Benefits of The Credit Line Hybrid

Not having to provide financials is a big benefit.  Also, the minimum credit score of 680 is much less than what other types of financing require. Furthermore, you have the option to use a credit partner if you do not meet the minimum credit score.

Another huge plus is that this program can help build your business credit score, which increases the fundability of your business. This is because often the cards in the line report to the business credit reporting agencies.

How is The Credit Line Hybrid Different From the Scams

There are a number of differences between our program and the credit card stacking scams out there. First, you know exactly what is happening and how it works before you sign up for anything. We will never apply for credit cards without your knowledge.

Next, our program does not include inflating income in an effort to get higher limits. Finally, you are free to use the money how you choose.  We do not work with partners to provide funding for anything specific. We simply help you get the funding you need to grow your business the way you need to do it.

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Top Tips to Avoid Credit Card Stacking Scams

First, if you are trying to purchase a product or service and they offer financing, ask the questions. Read the fine print, and make sure you know exactly where the funding is coming from. Also, always monitor your personal and business credit reports to ensure there are no unexpected accounts on them. 

In addition, work directly with a trusted company. Part of the problem with the Seed Capital fiasco was that the funding was for a specific service that the client could not afford to pay cash for.  They may not have even realized Seed Capital was involved at all. 

That means they never had a chance to research Seed on their own. When you go to the company directly, you can do your own research.  Looking at reviews and the Better Business Bureau can sometimes save you a lot of pain. 

When you work with Credit Suite directly, you not only get access to the funding, but we can help you find any other products or services that could help you grow your business even more.

Credit Card Stacking is a Legit Business Funding Option

Yet, you have to do it the right way. Don’t try to do it on your own.  Do your research and find a trusted company that can help. Always make sure you know what you are getting into.  

The post The True Story Behind Credit Card Stacking and Why It’s Not Always Bad appeared first on Credit Suite.

The Best Options for Small Business Startup Grants Revealed

Business grants are not easy to come by for anyone, but for startups, it’s a whole other story. Small business startup grants do exist.  However, they are even more competitive than grants for existing businesses. We have put together a list of some of the best options, along with some tips on funding startups if grants aren’t enough. 

Are Small Business Startup Grants Always the Best Option? 

There are a lot of options out there when it comes to small business grants. Who doesn’t want a grant?  After all, it’s free money. You don’t have to pay it back. I mean, what’s not to like?

Truly, grants sound like the perfect solution for business funding.  Actually, they are great if you can get one.  Yet, there are two cons most don’t realize.  Of course they are highly competitive.  But also, the money isn’t as free as you may think. Even though there is no interest and no repayment, it often takes a lot of time and effort to apply for a grant. Not to mention, sometimes there is an application fee. 

On top of the highly competitive nature of most grants, the result is that you could spend a lot of time and money applying for grants with nothing to show for it. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Why Are Startup Grants Different?

Unfortunately these problems are only magnified when it comes to small business business grants. There are far fewer grants available to startups.  That means the competition is even more fierce.  Furthermore, most of them are not open to just any business.

There are research and development grants, as well as grants for specific types of business owners.

Examples include: 

  • Veterans
  • Minorities
  • Women
  • And those in low income areas

Is It Even Worth it to Apply?

Due to the fact that it can be very hard  to get a grant, you may wonder if it’s even worth trying. That depends. Honestly, If the application process is fast and cheap, then yes, it is likely worth it. Of course, that is assuming you know that you meet all of the requirements. 

However, if you are not sure you qualify, and the application process is long or there is a large application fee, it might be best to skip it. Remember, you can use that time and money to pursue other funding options.

Best Options for Small Business Startup Grants 

We’ve put together a list of some of the easiest grants to qualify for.  Still, competition is still very tough.  Also, there are never any guarantees. We’ve divided them into the following categories: 

  • Open to all businesses
  • Innovation and Research
  • Women
  • Minorities
  • And veterans

Best Open to Any Small Business Startup Grant

FedEx Small Business Grant Contest

The FedEx Small Business Grant is one of the most popular small business startup grants around. The contest is open to any business that has been in operation for at least 6 months and has 99 employees or less.  It awards eight $7,500 grants, one $15,000 grant, and one $25,000 grant to winners each year.

Best for Innovation and Research

Small Business Innovation Research Program

This grant is designed to provide funding for scientific research and development. The business must be an organized for profit, with a place of business located in the United States. In addition, it must be more than 50% owned and controlled by one or more individuals who are citizens or permanent resident aliens of the United States. It can have no more than 500 employees. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Best for Women Business Owners

Amber Grant 

The Amber Grant awards one prize of $10,000 per month to a woman-owned business. One of the recipients also receives an additional $25,000 grant at the end of the year. Applicants only need to tell their story and turn it in with a $15 application fee.

Best for Minorities

The Minority Business Development Agency

The Minority Business Development Agency (MBDA) is operated by the US Department of Commerce. It is dedicated to helping minority-owned businesses access the resources they need to grow and succeed. They provide grants through their Minority Business Centers.

You can find grants available in your area by searching for your local Minority Business Center or visit the MBDA’s website for information on all current opportunities. You also need to have a D-U-N-S number to apply for these grants. Which is necessary for fundability anyway.

Best for Veterans

StreetShares Foundation’s Veteran Small Business Award

The StreetShares Foundation’s Veteran Small Business Award is for individual veterans who are low-income or otherwise lack the financial means to start their own business or nonprofit venture.  This grant is also available to surviving spouses and children. The winner must have a positive impact on the veteran community.

Honorable Mention

The InnovateHER small business challenge is sponsored by the SBA office of women’s business ownership. The program awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. Awards are designed for products that meet certain standards including: 

  • Having a measurable impact on the lives of women and families (30%)
  • Having the potential for commercialization (40%), and
  • Filling a need in the marketplace (30%)

What if Grants Aren’t Enough?

It’s almost certain grants will not be enough. Of course, any free money is better than none at all.  Still, you cannot rely on grants alone to fully fund your business. Instead, one of the best things you can do for your business is build a strong business credit profile. 

A business credit profile is the credit history of the business itself, not the owner. It includes all business information and the business credit report, which reflects the business credit score.

To establish a business credit profile your business needs to be fundable. As a startup, this means starting now.  Get an EIN, incorporate, make sure you have a physical business address and open a separate, dedicated business bank account. 

Honestly, these things are good to have for a grant application anyway. After you establish a business credit profile, look for vendor credit that will report payments to your business credit report. Most importantly, always pay everything on time.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Business Funding With Business Credit

In time, you will have a strong business credit score. Then, you can apply for business loans and lines of credit using your business information, and your business can basically fund itself. Any grant money you can get will be icing on the cake. 

The post The Best Options for Small Business Startup Grants Revealed appeared first on Credit Suite.

New comment by akarrer in "Ask HN: Who is hiring? (September 2021)"

REMOTE US or Canada – Full-time – Senior Full Stack Java Engineer

We need to add to our small, but great engineering team that is building the next generation of business media. You will work closely with your fellow development team members to help us build out features and scale the systems.

Details here: https://www.aggregage.com/jobs/

New comment by recursiveagenda in "Ask HN: Who is hiring? (September 2021)"

REMOTE US – Full time – Senior Backend Clojure(script) Engineer

E-Learning platform focused on Healthcare outcomes. Stack is Clojurescript, AWS serverless (Lambda, S3, AWS, Dynamo). Mature ETL pipeline. Looking for someone who loves Clojure/FP, produces great work independently with attention to detail, and enjoys building cool stuff. Equity, unlimited PTO (with real w/l balance focus). Excellent small team. Sizeable Series A round coming soon – meaningful career/financial growth opportunity.

Drop me a line at recursiveagenda@gmail.com with a resume/LinkedIn if you want to chat about the role.

VergeSense (YC S17) Is Hiring Machine Learning Engineers

Article URL: https://www.ycombinator.com/companies/vergesense/jobs/0moZx0r-machine-learning-engineer Comments URL: https://news.ycombinator.com/item?id=28618757 Points: 1 # Comments: 0

Private Blog Networks: A Penalty Waiting to Happen?

Private Blog Networks (PBNs) claim to work because they generate backlinks – and that much is true.

What about their other claims, though?

We know backlinks work to improve SEO and therefore visibility in the SERPs, but do PBNs work?

And if so, do they work well?

How do they even work?

Well, let’s answer those questions.

backlinks vs. google ranking - private blog networks

What Is a Private Blog Network?

Luckily, private blog networks are actually quite simple to understand.

At some point in the era of SEO, someone figured out how to build a massive amount of backlinks from high-domain authority websites without much effort.

They did it by purchasing expired domain names that had already established domain authority.

Then, after collecting quite a large portion of these domains, they posted basic content to each website and included a backlink to their primary website in all of the content.

And voilá! They immediately generated loads of backlinks from high-domain authority websites.

At that moment, private blog networks were born.

Think of PBNs like a database of websites that, when you pay, all give your website backlinks.

It ends up looking something like this.

graph of how private blog networks work (filtering to main website)

And with all of those backlinks your website’s domain authority, SEO, and rankings all benefit.

It sounds great, right?

Why wouldn’t you want to pay a little bit of money to increase your rankings and generate passive traffic to your website?

That’s the dream of most SEO experts, after all.

Well, not so fast.

To help you determine whether you should leverage PBNs, we’re going to first talk about the benefits that they have to offer. Then, we’ll discuss why they are a bit risky.

With that knowledge, you’ll be better prepared to make an informed decision for yourself.

Pros: The Benefits of Private Blog Networks

While you might have heard that PBNs are scams that won’t help your SEO, that claim is only partly true.

PBNs offer legitimate benefits.

But before I get much further, let me mention a quick disclaimer:

I’ve never used a PBN for my own website and I don’t recommend using them for your website either.

I’ll explain why a little bit later, but I wanted to get that out in the open, so you know where I stand.

For now, though, let’s discuss why PBNs entice many marketers.

As I already mentioned, backlinks fuel the success of private blog networks.

And what exactly is a backlink?

A backlink is a hyperlink that leads from an external website to your own website. And these little beauties massively help your SEO.

how backlinks pass link juice - private blog networks

Backlinks communicate to search engines that the linking website trusts your website enough to associate itself with your domain.

That means that the search engines will trust your website as well.

It’s kind of the same thing as playing with the cool kids on the playground.

When you’re hanging with the cool kids, that makes you cool.

Similarly, to figure out which websites are worth trusting, search engines look at which websites are linking to each other.

For that reason, link building is the top factor contributing to the rankings of a website.

ranking factors for google's algorithm - private blog networks

PBNs can be so effective at building these backlinks that one company experienced this difference in its rankings after working with a private blog network.

success results from a private blog network for one particular company

So, can PBNs increase your SEO?

Yes, of course, they can.

That’s why so many marketers use them at some point. It’s why they have stuck around for so long, and it’s the reason that certain SEO firms make loads of money.

But what’s the dark side?

After all, everything that goes up must come down. Everything that sounds too good to be true is too good to be true.

Here are the cons you need to be aware of.

Cons: The Risks of Private Blog Networks

PBNs sound great.

That is until you find out about the risks involved with using them.

Yes, they can increase your SEO and help generate passive traffic and leads to your website.

However, that entire marketing strategy can quickly become a disaster if Google catches you.

So, in case you’re wondering, yes: Google hates PBNs and intentionally tries to penalize people who use them.

However, I understand the appeal.

I get it. SEO takes a long time to start impacting your blog rankings.

age of pages in google top 10 results - private blog networks

The quick fix that PBNs offer is just too enticing for some marketers. You get fast rankings, brand awareness, and, hopefully, revenue.

At least, that’s what the PBNs promise.

But if all of that benefit can fade in a single moment of vulnerability, is it really worth it?

PBNs aren’t technically a blackhat SEO strategy.

black hat vs. white hat seo - private blog networks

But they aren’t white hat either.

They’re a hack. They amount to a get-rich-quick scheme. And as with most similar tactics, they involve some serious risks.

If Google finds out, then they will penalize your website, and you’ll struggle to gain any significant ground in SEO.

But how? How does Google penalize websites that use PBNs to boost their SEO?

How would they know what you’re doing?

Well, if all of the websites that you’ve received backlinks from are websites with very little activity, few updates, and almost no internal linking, then Google gets suspicious.

Unfortunately, PBN websites usually have all of those specific qualities.

That makes it easy for most search engines to spot them.

inactive sites as part of private blog networks

In the end, if you decide to use PBNs, know that you run the risk of hurting your website’s SEO.

Legitimate pros exist, but only under a cloud of potential penalization by search engines.

You might generate some quick domain authority with PBNs. While traditional strategies take longer, they aren’t nearly as risky.

But if you want to rise through the rankings the right way, then here are five risk-proof strategies you can use instead.

1. Guest Blogging

Guest blogging gives you an opportunity to provide value for someone else’s website while also getting a backlink.

If you do it right, this strategy will be a win for the website you write for and a win for your own website as well.

For that reason, SEO agencies and experts alike use guest blogging as one of their link-building strategies.

graph of who uses guest blogging - private blog networks

You can do the same thing.

Just find blogs within your industry and pitch the editors an article over email. If they accept your pitch, you can run off to write and include a backlink to your own website.

But before you do, make sure that you ask the editor what their policy is regarding backlinks.

They might not want you to include a backlink to your website within the article itself, but they’ll let you put it in your bio.

Either way, you win a backlink, and they win a valuable piece of content for their audience.

Now, you might be nervous that editors won’t respond to your emails.

But we’ve created this handy guide for guest blogging proposals to help you get started.

Remember: don’t quit early just because you don’t get a response.

Pitch enough places with high-quality ideas, and you’re sure to receive a reply.

Just give it some time.

And keep this in mind as well. The ideal word count for ranking articles sits right around 2,400 words.

content length of top 10 results - private blog network

Ultimately, follow the guidelines of the blog you’re writing for. But when it doubt, try to write an article that will rank well on Google.

Then, the website will be more likely to accept your pitch, outline, and final draft.

2. Writing Testimonials

While guest blogging is one of the most popular strategies for generating backlinks, you might not have the time.

If you don’t, then writing testimonials for other websites might be a more appealing approach.

Even if you do write a guest blog post, writing testimonials with a backlink to your website is a strategy worth your time.

It’s simple and powerful.

All you have to do is provide a testimonial for websites that you partner with.

Then, most of the websites will include a friendly backlink to your URL.

Just make sure that your testimonial provides genuine value. Write something like this, for instance.

testimonial - a way to get around being penalized for private blog networks

Or give them something like this.

user testimonials 2 - private blog networks

And here’s one more example.

user testimonial 3 - private blog network

Always include these two specific things in your testimonial.

  1. Provide a number that shows the success you experienced from using their product or service (traffic or lead generation numbers, revenue numbers, or the number of opt-ins, for example).
  2. Talk about one concern you had when buying the service that the excellence of your experience quickly dispelled. (For example, “The price point seemed a little high at first, but now I realize that every single penny was worth it! I’d even spend more for this service, but don’t tell them I said that.”)

With that start, you’ll be off and writing testimonials for your partners in no time, generating backlinks with every reference.

3. Creating Share-Worthy Content

If you don’t create content worth sharing, then you can probably guess what will happen: No one will share it.

Your goal when you write that blog post or film that video or design that infographic is to generate attention for your brand.

You want to increase brand awareness, drive traffic to your website, and use the content to generate leads.

You even want to generate social backlinks to your website.

But, of course, you can’t do that if you create bad content.

If you’re going to create the content anyway, then take the time to make it great. Make it share-worthy.

But how do you do that?

Well, you need to make people who share your content look good.

asking to help share content - private blog networks

People share things on social media and through email because they want to look good to their friends.

That might sound egotistical, but it’s the human condition.

Ask yourself: What reason do people have to share this with their friends? Will it make them seem funny, smart, kind, cool, or rich?

To get shares, you need to target at least one of those motivations.

After all, those are among the top reasons why people share content in the first place.

why people share content on facebook - private blog networks

And when it comes to which type of content to produce, infographics and lists win.

average shares by content type - private blog networks

Another strategy that works is spying on your competitors to understand what’s performing best on social media. Here’s an easy way to do so:

Step #1: Visit Ubersuggest, Type Your Keyword and Click “Search”

Step #2: Click “Content Ideas” in the Left Sidebar

content ideas in uber suggest - for use in private blog network strategies

Step #3: Analyze the Results

content ideas - workaround for private blog networks

What you end up with is a long list of top-performing content related to your keyword.

For example, the top listing, “Marketing Legend Seth Godin on the Future of Branded Content,” has been shared 16,805 times on Facebook and nearly 100 times on Pinterest. That gives you a pretty good idea that the content is share-worthy. Now, you can craft your content in a similar manner, with the goal of achieving the same results.

However you do it, take the time to create amazing, share-worthy content. You’ll generate far more social backlinks, drive more traffic, and build better brand awareness.

You’re creating the content, so do the best that you can with it.

4. Leveraging Your Social Platforms

Social signals play a massive part in SEO.

Websites that stay active on their social media accounts, update their information, and generate more content shares tend to rank better than websites that don’t.

In fact, just on Facebook, that correlation is apparent.

facebook activity by site rank - private blog network

But why is that the case?

Why does Google rank websites that have an active and updated social media presence better than those that don’t?

The short answer is that search engines want to know your website is active and relevant.

If you’re generating lots of shares and social signals, then that tells Google to rank you better.

This means that just staying active on your social media accounts can help your SEO. It really is that simple.

And the more engagement you get on your social media pages, the better.

social network activity by site rank - private blog network

A 2016 experiment tried to discover the impact that social media can have on your website’s SEO.

In the study, one website with an increase in social shares experienced a 14.64% increase in rankings, and another website received a 6.9% SEO boost.

2016 social signal experiment - private blog networks

But if that’s not enough motivation for you to stay active on your social media accounts, just consider the additional traffic you’ll drive to your website with each post.

You won’t only win social backlinks. You’ll also generate traffic, leads, and even conversions.

5. Building a Loyal Audience

You’ve stuck with me this far.

But now you’re wondering, “How does building a loyal audience help your SEO?”

And that’s a great question.

Unfortunately, the answer isn’t as direct as you might like.

But it does exist.

Just consider, for example, that active blogs draw 6.9 times more organic search traffic.

graph showing active blogs get more organic search traffic - private blog networks

This means that just posting on your website’s blog regularly will benefit your SEO.

After all, the more people who search for your website and the more popular you become, the higher your domain authority will surge.

In other words, with a loyal audience comes a better ranking.

And, in turn, that’s good for growing your audience.

You see, it’s kind of like a self-sustaining, perpetual cycle.

With a larger audience comes better SEO, and with better SEO comes a larger audience. And with a larger audience comes better SEO, and on it goes. You get the point.

Plus, the bigger your audience, the more shares you’ll generate on social media, further helping your link-building strategy.

Of course, Rome wasn’t built in a day, and you won’t build your audience overnight.

Building a loyal group of followers is a process of posting consistent content over a long period of time.

You’ll cross times of discouragement and tribulation.

Sometimes, you’ll want to give up.

When you do, though, just keep in mind that acquiring new customers is five to seven times more expensive than retaining old ones.

In other words, all of that time and energy you dedicate to pleasing your existing audience will pay off when you’re trying to market to them.

Plus, you’ll generate more attention and better SEO from a loyal customer base than you will from new and fleeting customers.

Private Blog Networks Frequently Asked Questions

Can you be penalized for using a Private Blog Network?

Yes, you can be penalized for doing this.

Why are PBNs bad?

Google considers them scammy.

How do I find PBN sites?

Look for sites with high authority and links that you can buy – but this strategy is not recommended.

Are PBNs considered Black Hat SEO?

They aren’t considered black hat, but they are penalized by Google.

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Private Blog Networks Conclusion

So, should you use private blog networks?

As I explained, they can help your SEO, and they can do it fast. But the entire time you use them, you run the unfortunate risk of destroying your website’s ranking potential in one fell swoop.

Is the risk worth it?

I hope that you’ll answer that question with a “no.”

SEO is good. But SEO spoiled by spammy tactics is not.

The better option is to build your backlinks over time by guest blogging, writing testimonials, creating share-worthy content, leveraging your social platforms, and building a loyal audience.

Even though it might feel like it takes a long time to rise through the rankings using those strategies, that’s time well spent.

You’ll have peace of mind knowing that no one can penalize you for shady methods.

Private blog networks aren’t black hat. But they certainly aren’t white hat, either.

They are gray hat. And that’s a hat you shouldn’t be willing to wear.

Do you think private blog networks are a penalty waiting to happen or a great SEO hack?

3 Effective Retargeting Strategies That Actually Work (With Examples)

Retargeting is one of the best ways to close sales that didn’t happen.

On top of that, retargeting efforts are pretty cheap compared to most types of advertising.

How do you do it? What retargeting efforts do you need to try?

Here are three examples of retargeting that actually work, how to copy them, and what you need to know about the future of retargeting.

1. Retarget Specific URL Visits

There are a lot of ways to go wrong with retargeting.

Some marketers fire up Facebook or Google Ads and run a retargeting campaign based on website visits in the past 90 days.

Although that can work, it’s not really that effective. As you probably know, I’m all about working smarter, not harder.

I love to spend as little time on a task as I can, but get the same benefits as someone who spends hours and hours on the same task.

I used to run Facebook retargeting campaigns in their Business Manager feature (now referred to as the Facebook Business Suite).

Retargeting Strategies - setting up automatic retargeting in Facebook

I’d simply retarget everyone who landed on my site.

That didn’t really work. My conversion rates were the same as my website: low.

People weren’t ready to buy yet. Why? I cast too wide of a net.

You can’t reasonably expect a 50 percent conversion rate on an audience of millions.

For example, let’s say that visitor X came to your website and read a single blog post and bounced.

Now let’s say visitor Y came to your site, read that same blog post, but then also filled out a lead-magnet form and even checked out your product and pricing page.

What’s your general website visitor retargeting offer going to be now?

If you offer a lead magnet, that won’t make sense to visitor Y. If you offer a free trial, that won’t apply to visitor X yet.

You risk sending the wrong offer to the wrong person at the wrong stage of their buyer’s journey.

So what do I recommend? Targeting users by specific actions taken on your site.

For example, check out this retargeting ad I got:

retargeting strategies - example of a Facebook retargeted ad

Notice how hyper-focused that targeting, messaging, and content are?

The ad is literally about a single product they offer.

I viewed their products, and they noticed I spent large amounts of time and frequency on their pie crust page. After all, who doesn’t love pie?

Then they used that data to target me with an ad focused on how to use their pie crusts.

They gave me an example of how their product could provide value in my life.

That’s one of the best methods of retargeting I’ve ever seen.

Why? Because people who don’t convert on your products usually experience two things:

  1. They don’t want to pay you money yet.
  2. They don’t know how your product can help them.

Jasper’s Market effectively touched on the second point in a strong way.

They communicated exactly how I could find value in the product I was already looking at.

Here’s another example of retargeting ad:

retargeting strategies - example of a facebook ad from leadpages

Again, notice how tailored the targeting is in this ad.

It was delivered to everyone who landed on a specific web page URL, rather than retargeting all site visitors.

This allowed the company to target their ad to a group of interested, potential buyers and get them back to their site.

I visited their webinar-training landing page and was immediately retargeted after not converting.

Or, how about this example from Marketo:

retargeting strategies - marketo example

I visited their content marketing e-book page to learn about cheap content creation methods.

Just a few days later, after not revisiting or converting, they reeled me in with a specific, CTA-oriented, retargeting ad based on the exact page I visited.

So the point is:

Retargeting based on specific URL visits works. It’s one of the best retargeting methods I’ve seen.

So how do you do it?

There are two platforms I recommend: Google Ads and Facebook.

For this example, we can use Facebook since it’s one of the most popular ways to run retargeting ads.

Plus, I find much greater success on Facebook over display ads on GoogleAds.

But to each their own.

To get started, open the Facebook Business Suite and create a new, custom audience. You’ll click “More Tools” then “Ad Manager” currently, but they do update their platform regularly.

Create a new ad campaign, then add your info until you get to the audience. Select “create a new custom audience.”

create a new custom audience facebook retargeting.

Custom audiences on Facebook should be your top retargeting strategy.

They allow for some of the most diverse customization options marketers can use.

You can create a new custom audience from the drop-down menu.

From the menu of custom audience options, we want to select website traffic as our marketing goal.

select source for facebook retargeting ads

This audience type will allow you to create lists of people who visited specific URLs.

For the next step, be sure to select “People who visited specific web pages.”

facebook source of retargeting ads

From here, you can get as detailed as you want.

Are you prepping for a webinar? Do you have a landing page you’re driving traffic to for a specific goal?

Do you notice that tons of people read about your product but don’t convert?

This is your time to get them back.

Remember that Jasper’s Market example? They saw that I frequently visited a specific product on their site but didn’t buy.

You can do that by adding URL pages that include that specific word.

You can further refine your Facebook retargeting ads by:

  1. device used
  2. frequency

Doing this will tell you one major thing:

The people visiting this product with high-frequency need a small push to convert.

Use an ad that shows them how to use that product. Show them the value or benefit of buying it.

Since they’ve viewed the product multiple times, you know they’re probably almost ready to buy.

Using this type of retargeting is one of the most effective ways to convert visitors.

2. Retargeting Existing Customers

You may ask, “Neil, why on Earth would I want to retarget existing customers?”

I’ll give you one simple reason: to resurrect unresponsive email subscribers who haven’t purchased in a while.

One big problem with email lists is that most of your subscribers become unresponsive at some point.

The list will experience “churn,” where new visitors join and old ones become unresponsive.

This means your email upsells aren’t even reaching your intended user.

So what do you do? Start retargeting your existing customers.

I like this strategy because it’s incredibly cheap because the ads are so relevant, which means your CTR will be high.

For example, check out this ad I got from AT&T for Small Business:

retargeting ad example att

They already know I’m a current customer who’s using their products/service.

Yet, they retargeted me anyway.

Why? Because they wanted to upsell me on new products as I was becoming unresponsive to their company email list.

Or how about this ad from American Express:

american express retargeting ad example

I’m already a customer, and they wanted me to convert by getting another credit card with them.

Are you seeing a pattern with these examples?

They focus on retargeting visitors who have previously converted or are existing customers.

Here’s one of my favorite retargeting examples of this method from ModCloth.

mod cloth retargeting strategy ad example

We miss you like crazy!

The targeting premise of this advertisement is pretty obvious.

They’re retargeting old customers who haven’t made a purchase in a while.

This kind of thing works.

Why? Because people have already converted on your products and services, meaning you risk nothing by asking them to come back.

It’s incredibly easy to set up, too.

Again, you can do this on either AdWords or Facebook, and it only takes a few minutes to set up.

To get started, head to Facebook’s Ads Manager and navigate to the audience section, then click Create an Audience.

From here, create another Custom Audience, and select Customer List.

That’s where you can upload your audience list. If a green check mark shows up, then you are good to go. If you see a yellow exclamation point, you might need to update some identifiers manually.

This will allow us to import contacts directly from MailChimp or upload an exported list of current or old customers.

The key here is to sort your customer file or email list by how old or unresponsive customers are.

If you have customers that are consistently buying from you, don’t waste money advertising to them.

Focus your efforts on customers that haven’t converted in a while or who haven’t responded to marketing emails.

This will give you another great shot at bringing them back to your products.

3. Lead-gen Ads Based on Page Engagement

If you aren’t finding success with website-based retargeting efforts, this might be your best bet.

Facebook has a powerful lead generation tool called “Lead Ads.”

These are essentially form-based ads that offer lead magnets in exchange for customer information like email address and job type.

It’s the same idea as running an e-book lead magnet on a landing page on your website, just on Facebook.

They are one of the most intuitive, natural-looking forms you can create.

Here’s an example of how they look and work:

facebook lead ads for retargeting

They’re beautiful, seamlessly integrated ads that offer a lead magnet for the customer.

And one of the best ways to run these ads is by using Facebook page engagement as a retargeting setting.

Before we jump into the how-to details, let’s look at a few of these examples and how effective they can be.

Here’s a lead generation ad from AdEspresso:

adespresso lead magent ad retargeting on facebook

When I click on the ad, I’m taken directly to a lead-gen form within Facebook.

This is incredibly effective in getting people to convert because it doesn’t force them to leave Facebook.

People don’t browse Facebook every day to see ads.

They browse it to interact with friends and family or read news articles.

So taking someone offsite is a big risk that can waste your ad spend and lower conversions.

That’s why lead ads are so successful. They don’t interrupt the process or habit of a typical Facebook user, yet they still allow them to get the lead magnet.

I’ve used these types of ads before.

facebook lead gene ads retargeting strategies

They’re great for providing a clear-cut CTA that gets people to convert.

So why should you retarget people based on Facebook page engagement?

Because you know these users are active on Facebook, which means your retargeting efforts are going to be much more successful.

These hyper-aware users are likely always checking out new brands on social media.

It only makes sense to target them with Facebook Ads.

To get started with a lead-generation ad, we first need to create an audience based on page engagement.

Create a custom audience, then choose “Facebook Page” from the list of sources:

facebook ad retargeting strategies

From here, you have a bunch of options to choose from depending on how specific you want to be in your retargeting.

facebook ad custom audience engagement

For example, you can retarget anyone who engaged with a post or ad, someone who previously clicked on a CTA, or someone who saved your page or post.

Once you’ve selected a retargeting metric, you can save this audience and head to the Facebook Ads Manager to create a new lead-gen ad.

create lead gen ad for retargeting

Select “Lead generation” as your marketing objective.

Next, select your ad format.

For this, I recommend using a single image, single video, or slideshow.

Carousels are often too complex for a simple lead-generation-focused ad.

Next, you need to edit the content and lead magnet on the ad.

facebook lead ads retargeting

This is the section where you start to create an offer or incentive for these retargeted customers to give you their email address.

For example, are you going to offer an e-book, white paper, coupon, or something else?

You need to give them a reason to fill out your form and click on the call to action.

Be sure to edit your form fields and optimize them to your needs based on that audience.

facebook retargeting ads lead gen

Be sure to limit your form questions in the next step to only grab the most important information.

You don’t want to overwhelm visitors or take up too much of their time.

The goal here is to collect leads in an easy, painless way.

Facebook questions for lead gen ad retargeting

Facebook’s page-based retargeting is one of my favorite ways to drive users back to my site or convert on lead magnets and products.

They’re often very engaged audiences who use Facebook differently than most users.

Instead of mainly using it to interact with family or friends, they actively seek out businesses on the platform.

Use this as an opportunity to convert visitors that wouldn’t convert on your site, or showed interest in your pages.

Frequently Asked Questions About Retargeting Strategies

What are some of the top retargeting strategies?

Retarget specific URL visits; retarget existing customers; and retarget leads based on-page engagement.

What is an example of retargeting?

Showing Facebook ads to someone who previously visited your website on their mobile browser.

Is remarketing worth it?

Yes, remarketing is worth the effort if you are able to execute a successful campaign. Targeting those who have interacted with your brand and come close to purchasing gives you a better chance of making a sale than by targeting an audience who has never heard of or interacted with your brand before.

Basically, you’re interacting with your leads at a later stage in the conversion funnel.

Can you run marketing and remarketing campaigns at the same time?

Yes, you can run concurrent campaigns.

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Retargeting Strategies Conclusion

Most of your website traffic simply won’t convert on the first visit. They don’t know who you are, what you do, or even how you could help them.

So they just aren’t ready, or willing, to buy your product or service yet.

Retargeting ads help bring those users back when they are closer to conversion.

Despite “banner blindness,” there are still a few ways to retarget visitors without driving them crazy.

Start by retargeting specific URL visits. This is one of the most accurate retargeting efforts you can use to convert customers.

I see it all the time on my Facebook feed and I constantly convert on them.

Next, try retargeting unresponsive, existing customers.

For example, if someone hasn’t converted in the past six months, send them a few ads to drive more sales.

Finally, conduct lead-generation ads that correspond with engagement on your site.

This will help you pull in users who are already engaged and thus more likely to be receptive to the ads.

Just remember: retargeting efforts need to be specific and hyper-focused to drive conversions.

What retargeting efforts have worked best for you?