The Surprise that Makes Recommended Vendors for Business Credit Different

When we talk about recommended vendors for business credit, there are several questions that pop up. First, what exactly do we mean by vendors? Then, what makes some vendors recommended for business credit, and others not?  After that, who are these recommended vendors and how do you find them?  Let’s find out.

What Do We Mean by Vendors

This is probably the best place to start. When using the term “credit from vendors,” we are talking about credit from companies that are not financial in nature, like banks and other credit unions. Rather, their focus is on retail, and they extend net terms on invoices to customers as a courtesy.

This means customers have either 30, 60, 90, or however many days the net terms state to pay in full.  It’s different from a credit card because it is not revolving credit.  So, when we talk about vendors, this is not a card that you apply for. This is a retail company that sells products you can use in your business, then you do not have to pay the invoice immediately.

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

What are Vendors for Business Credit?

Don’t a lot of vendors offer net terms?  What makes them so special? Well, there is a small subset of vendors that we call starter vendors. Starter vendors do two things that not a lot of vendors do.

First, they will extend net terms to your business without a credit check.  That’s not to say that they do not have standards. They will not give net terms to just anyone. However, they will consider other factors besides credit score.  For example, they may take into consideration:

  • Current relationship with the customer
  • Time in business
  • Average balance in business bank account
  • Annual income
  • And more

But that’s not all.  Getting net terms without a credit check is great, but it does nothing to build your business credit score if the payments do not show up on your business credit report. True starter vendors will also report the payment you make to the business credit reporting agencies.  Again, doesn’t sound like a big deal, right? That changes when you realize that only 7% of companies that extend credit of any type to businesses report positive payment history to business credit reports.  A lot more will report negative payment history, but that does not help build a strong business credit score.

Finding Vendors for Business Credit

Vendors do not typically make it obvious if they report or who they report to. If you call, you may or may not get to talk to the right person to ask. You’ll likely be on hold for a long time, and once you get to someone they may or may not tell you.

One option is to just apply for vendor accounts and hope you get approval. Then monitor your business credit report to see if they are reporting. However, this trial and error method will take a lot of time and will likely cause a serious amount of frustration

It will take away from you doing what you need to be doing, which is running your business. Yet, it doesn’t have to be this way. There is a better option. A business credit specialist can help you find vendors that you qualify for, and that will report your on-time payment, not just late or missed payments.

They know who to talk to, what questions to ask, and the language to use to get the answers you need. This alone saves you a huge amount of time and frustration.   You not only avoid applying for accounts that you do not yet qualify for, but you also find those accounts that will actually help you build your business credit score.

Our business credit specialists have a list of starter vendors that they already work with. This list is always changing, as vendors and lenders are always changing their policies.

Also, it takes more than 3 or 4 vendors to build a strong enough score to move on to the next level of credit. Our specialists work with many vendors that can help you get things going. Here is a sample of some recommended vendors for business credit.

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

Grainger Industrial Supply

One of the first vendors for business credit business owners find out about is Grainger.  They sell hardware, power tools, pumps and more. They also do fleet maintenance, and they report to Dun and Bradstreet. If a business doesn’t have a credit score already,they will want to see additional documents like accounts payable, income statement, balance sheet, etc.

To qualify, you need:

  • To be an entity in good standing with Secretary of State
  • EIN number with IRS
  • Business address (matching everywhere)
  • D-U-N-S number
  • Business License (if applicable)
  • Separate, dedicated business bank account
  • To be registered to Secretary of State (SOS) for at least 60 days

Marathon

Marathon Petroleum Company provides transportation fuels, asphalt, and specialty products throughout the United States. The products support commercial and industrial, as well as retail operations. They report to Experiand and  Dun & Bradstreet.

To qualify, you need:

  • To be in good standing with the Secretary of State
  • An EIN number with IRS
  • A Business address- matching everywhere.
  • D-U-N-S number
  • Business license (if applicable)
  • A business bank account
  • Business phone number listed on 411

Your SSN is required for informational purposes only. You can give a $500 deposit instead of using a personal guarantee, if you have been in business less than a year.

Supply Works

Supply Works is a part of Home Depot. They offer facility maintenance supplies. It’s important to know that they do not accept virtual addresses, so you will need to use your home address if you do not have a brick and mortar location. They report to Experian.

To qualify, you need:

  • To be in good standing with Secretary of State
  • EIN number with IRS
  • Business address (matching everywhere)
  • D-U-N-S number
  • Business License (if applicable)
  • Business Bank account
  • Trade/Bank references
  • There is no minimal time in business requirement

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

Beyond Recommended Vendors for Business Credit: What’s Next

These vendors are great for getting started with building a business credit score. However, a good business credit specialist won’t stop there. They can guide you to a system that will help you through the business credit building process, from establishing your business credit profile to finding initial accounts, all the way through knowing which accounts to apply for next that you actually qualify to get.

For example, once you have your established business credit profile and have some initial accounts reporting, you may think you are done.  Those reported payments start building your credit score, and all you have to do is keep paying.  That’s not quite how it works.

First, there aren’t that many starter vendors out there. You are going to need credit from someone else eventually.  But, applying for accounts before your business credit profile is ready for them wastes more time, more money, and causes more frustration.

For example, some retailers will extend revolving credit rather than net terms after you have 5 or more initial accounts reporting. Some need to see a longer and larger credit history.  A business credit specialist can help you with a program to guide you in knowing which accounts you’re ready to apply for, and when.

How to Use Vendors for Business Credit Wisely

Here’s the thing, it’s not all about business credit when it comes to vendors.  For a well rounded credit portfolio, you are going to need to use all vendor accounts wisely.  You may need credit with a vendor that does not report.  But, to get approval, you’ll need to have a strong business credit profile.

You also need to use all vendor credit wisely.  When you are working toward building business credit, you are limited on which vendor accounts you can get approval for. Then, you are even further limited on which vendors will help you build your business credit score.

But do not make the mistake of thinking that means you need to buy things you don’t need because these are the only vendors you can get that will help your score. Use these vendors to purchase general items all businesses need, just until you get to the point you need to be. They may or may not offer products specifically for your business type. But, they most will offer fuel, office supplies, cleaning products and more. These are things all businesses can use.

Advanced Vendors

Building business credit is the goal, and starter vendors are a necessary part of that. Still, the end game is building and growing your business. A strong business credit profile is one tool to help you do that.  It’s job is to  help you get credit with any vendor you need, whether they report or not.  We call these advanced vendors.

Consider this example. Imagine you need to buy inventory for your business. However, your cash flow isn’t yet where it needs to be. Using an inventory supplier that will extend net terms will allow you to purchase the inventory you need. You can pay the vendor after you sell the inventory. This is just one very general example, but you get the point.

Recommended Vendors for Business Credit Are Important, But So Are Other Vendors

Both types of vendors, reporting and non reporting, are necessary for building and running a strong business.

In fact, there are a lot of vendors out there that many do not even know offer business accounts. They can help your business grow and thrive, but you have to know they exist. This is another way a business credit expert can help you save a lot of time and frustration.

A good business credit specialist will help you access the vendors your business needs to grow. They can help you determine when you qualify for these vendors, and guide you in the right direction so that you reach the required qualifications as quickly as possible. Because when it comes to running your business and managing cash flow, there is no time to waste.

The post The Surprise that Makes Recommended Vendors for Business Credit Different appeared first on Credit Suite.

Are VTubers the Future of Video Content Creation?

Are VTubers the Future of Video Content Creation?

If you follow video marketing trends, you might have noticed an increase in animated videos starring anime-style avatars. This content is created by VTubers, and it’s taking content creation by storm. 

Top VTubers have millions of followers and earn hundreds of thousands of dollars a month. 

According to experts, the industry is on the rise. HyperSense shared that the number of total VTuber subscribers increased by 28 percent in 2019, while the total views of Vtuber content increased by 99 percent.

At first glance, this might not seem like a serious trend. However, marketers and brands like Mattel and KFC are leveraging virtual YouTubers to drive serious engagement. 

What exactly are VTubers, and why should you care? Here is what you need to know to become a Vtuber or use this new trend to grow your business. 

What Are VTubers?

VTubers (short for virtual YouTubers) are content creators who use animated avatars and stop motion graphics in their videos, rather than their physical likeness. Like most vloggers, they talk to the camera and share their thoughts on a wide range of topics and products. 

Some of the top virtual YouTubers include Kaguya Luna, Kizuna AI, The Omega Sisters, and Kiryu Coco. 

The trend has exploded in popularity in recent years, with top content creators earning millions of dollars. VTuber Kiryu Coco, for example, earns approximately $134,000 per month

What Do VTubers Do?

VTubers use animated likenesses to share music videos, gaming tips, impressions, live streams, and even product ads. Many use manga-styled avatars, often with large eyes, small mouths, and brilliant hair colors. Despite being animated, the avatars are often strikingly life-like. 

Here’s an example of one of the original VTubers, Kizuna AI. 

While the personality, voice, and physical likeness vary by creator, most are high-energy, fun-loving, animated personalities. 

VTubers, like other YouTubers, create a wide range of content. Some play video games, model clothing, share their thoughts on political situations, review movies, or even release their own music videos. 

Many also partner with brands to promote products and services. 

The History of VTubers

In 2011, Japanese YouTuber Ami Yamato created a 3D avatar to share her feelings about moving back to London after spending several years in Tokyo. Her avatar is slightly more subdued than the anime versions many VTubers use, but her avatar is influenced by Japanese culture and graphic novels. 

While that first video was more of a journal entry, later videos take on a more humorous angle. For example, Ami imagines herself on a blind date with the Mandalorian in the Star Wars universe, or interviewing Godzilla. 

In 2016, the Kizuna AI channel launched and has racked up more than 4 million subscribers. Unlike Ami Yamato, Kizuna AI is a fully AI, fully autonomous digital celebrity. The channel was originally managed by the company Activ8, which later built an entire company for managing the character and created several spin-off versions. 

Since then, hundreds of other virtual avatars have launched channels, including more controversial YouTube celebrities, such as Pewdiepie.

VTuber Tech Requirements

The Vtuber videos might look complicated to create, but the format is becoming increasingly accessible thanks to advances in digital technology and software. 

Here’s a quick rundown of the tech you’ll need to become a VTuber. You may want additional accessories, like a boom mic or phone holder, but those are not necessary. 

  • Webcam: Ideally, you’ll want a high-quality webcam, not just a laptop camera. However, as camera technology improves, you may be able to use a standard built-in webcam. 
  • Microphone: Use a separate microphone to ensure high-quality sound. Blue Yeti and Hyper Ex both sell higher-end microphones for less than $200.
  • Mobile phone: If you plan to record videos or edit on the go, you’ll want a smartphone with a high-quality camera and recording capabilities. Alternatively, you can rely on your at-home setup and skip this requirement. 
  • Avatar creation software: This is editing software that turns your recorded videos into an animation. Different platforms offer a range of features, including shortcuts for specific facial expressions, motion capture, background settings, and more. Popular options include VDraw, VSeeFace, and VMagicMirror.

While you can spend hundreds of dollars (or even thousands of dollars) on high-end tech, you may be able to use the camera and computer you already have. 

Before dropping a lot of money on new tech, try out free avatar creation software with your current setup and see how it works. You’ll get a feel for how the software works, and you can always upgrade later. 

How Can Marketers Use VTubers? 

Marketers can use VTube creators as part of their influencer marketing campaigns. Though the characters are animated, creators often have thousands or even millions of followers. Those large audiences can be used to promote music, fashion lines, movies, and even increase tourism. 

For example, popular VTuber Kizuna AI partnered with Japan National Tourism Organization (JNTO) to promote a “Come to Japan” campaign aimed at attracting US tourists to Japan. 

vtuber example of content creation

Here are a few other ways to use VTubers in marketing: 

  • Partner with a popular VTuber to review your product or software: This is ideal for games, apparel, and other products that target younger audiences. 
  • Pay to have a VTuber show your logo on their stream: For example, on their shirt, coffee mug, or even in the background. 
  • Partner your own avatar with a well-known VTuber: Popular VTuber Subaru (not the car company) shared their excitement at being reshared by KFC’s Twitter. While this video might not have been sponsored, it was a boost for the brand: 

How Can Businesses Use VTubers?

Businesses can use virtual YouTube creators in a number of ways. For example, they can create a brand avatar or partner with popular creators through influencer marketing. 

It might sound weird, but it works. 

In fact, one of the most popular virtual YouTubers in the world is KFC’s avatar: 

top vtubers in the world 2020

In addition to marketing, businesses can use VTubers in other ways. Here are a few ideas to consider: 

  • Create fun or quirky help videos using an avatar. 
  • Animate customer reviews. 
  • Use avatars for your employees to create behind-the-scenes videos. 
  • Create short clips to use in television or social media ads.
  • Record a webinar with your VTuber avatar. 
  • Create shopping videos to showcase your product in a virtual environment. 

As a business, VTubers can help you connect with a younger audience. However, don’t think you are just limited to marketing content. Using VTuber technology can make any type of content you create more entertaining. 

How to Become a VTuber

Considering becoming a VTuber? You might be surprised to know you don’t need much to get started creating content. Here is a step-by-step process for becoming a VTuber. 

  1. Get your tech set up: Make sure you have a quality camera, microphone, and computer to record and edit your videos. You don’t need to invest thousands of dollars. If you can, start with what you have and then invest in better video equipment as you learn more. 
  2. Choose an avatar software: There are dozens of software platforms available, so I recommend testing a few out before settling on one. A few of the more popular platforms to consider are VRChat, Wakaru, and PrprLive. Many of these offer free versions, though you may need to pay for advanced features.
  3. Create your avatar: One of the most interesting parts of becoming a VTuber is creating your avatar. Using avatar software, you can create your avatar from scratch or use a sample avatar and change the skin color, eyes, eyelashes, etc. As you design your avatar, think about the long-term goal of your VTube content. Are you targeting teens, adults, or even professional software users? Make sure your avatar is appealing to your target audience. Remember, it doesn’t have to look like you at all. 
create vtuber avatar example
  1. Set up your channel: Where will you share your VTube creations? While most VTube content is on YouTube, you can share videos on your website, Instagram, TikTok, or other social media platforms. Consider uploading and hosting videos on YouTube, then sharing those links on other platforms. Make sure to optimize your YouTube channel if that is the route you go.
  2. Create a content calendar: Once you have your avatar created and your channel set up, decide what type of content you will create. While you don’t need to post new content every day, you should post consistently. What will you talk about? Will you interview experts, play video games, or share your thoughts on industry news? Consider your marketing goals when designing your content calendar. 
  3. Record your first video: Now is your time to shine. Record your first video, convert it to your avatar in your avatar software, and send your video live. Don’t expect overnight success; building a YouTube following can take months. 

VTuber Frequently Asked Questions

How Much Does It Cost to Become a VTuber?

If you already have a computer or smartphone, it costs virtually nothing to become a VTuber. All you need is a computer or smartphone and avatar creation software. There are several free or freemium software options to help you get started. 

How Much Do VTubers Make?

Like regular YouTubers, the amount VTubers make can vary drastically. The highest-earning creators earn more than $4.8 million annually in Super Chats alone. 

Who Are Some Popular VTubers?

Some of the most popular VTubers include Kizuna AI, Yousa, Lil Miquela, KFC, AI Games, and Momo. 

Are VTubers All Anime-Style Characters?


No. Although the vast majority use anime or anime-style characters, some like Ai Angel are more realistic. However, since most avatar creation software uses anime styles, creating other style animations may require a mocap suit and more expensive software. 

Do I Need a Mocap Suit to Be a VTuber?

No. A motion capture suit can help you create extremely high-end, realistic videos, but it’s not necessary. Most VTuber software platforms allow you to create your avatar and design movements through editing. 

How Do VTubers Make Money?

VTubers can earn an income by showing ads on their channel, hosting Super Chats, partnering with businesses or brands to promote their products, or selling their own products or services.

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VTubers Conclusion

VTubers are taking video marketing to new levels. These animated content creators are becoming celebrities in their own right, with top creators earning millions of dollars and attracting huge groups of followers. 

Are they the future of video content creation? Only time will tell. However, brands and marketing professionals should consider adding VTube content to their digital marketing strategies

Are you considering partnering with VTubers? What is holding you back? 

DataOps Solutions: Software, Tools, and Alternatives

Data is changing the way we do business. The amount of information available to us as business owners and that we should be processing and using to our advantage is staggering.

The amount of digital data, made and distributed, is 79 zettabytes. A zettabyte is one sextillion bytes. It’s a lot. By 2025, that number may skyrocket to 181 zettabytes.

We call it big data, but even small data is coming at us faster and faster.

It’s what they do with data that matters. It doesn’t mean much unless it’s leveraged.

Data can provide invaluable insights into everything from demographics to customer behavior, even future sales forecasting and more. It can be an unparalleled resource for you as you make decisions moving forward with your business.

Furthermore, data can come in real-time, allowing you to make on-the-fly decisions and pivots to respond to the market and capture live opportunities.

Again, none of this matters if your data is out of data or too hard to access. That’s where DataOps comes in.

What Is DataOps?

DataOps is a relatively new term that encompasses a wide range of tools to solve the problems of what to do with data coming in and how to make it pertinent to those who need it.

When you’re working with a batch of data, there are a few things that need to happen to make it relevant:

  • It needs to be organized in ways that make sense: This means pulling in the relevant data and weeding out unnecessary information.
  • It needs to be analyzed: How does it compare to past data or concurrent data?
  • It needs to be interpreted: What do all those numbers mean for your brand? What should you do in reaction? How can you be proactive knowing this data?

All those things need to happen quickly. Then it needs to continue happening as more data comes in. The cycle needs to continue at speed.

DataOps are the architectures and software developed to do all of this at scale, in an agile, responsive manner.

How to Implement DataOps

Whether you go with a DataOps tool or build something in-house to address your needs, there are a few steps you should take to ensure smooth and effective processes.

1. Use Automated Testing

To rely on your data and the DataOps that are delivering and activating processes, you need to know you can trust the information.

Run automated tests through the programs to look for bugs and ensure that data is coming through as you expect it to. This step is about making sure the actual tools are working properly.

2. Perform Data Monitoring

In addition to automated testing, you’re going to want to conduct data monitoring. Here you will be checking in on the quality of the data being processed.

This goes back to your goals. What are you trying to measure? Use your standards for what qualifies as “good data” and check in regularly. Ensure your processes gather and analyze “good data” and not be tainted by irrelevant or inaccurate information.

These regular check-ins improve confidence in the system.

3. Work in Multiple Environments

Just as in DevOps, DataOps should occur in various environments or spaces. Think of these as levels where you can experiment and test your DataOps. You’ll want environments for developing DataOps, for testing and analyzing, and for going live.

Keeping these separate gives you the freedom to develop new workflows or ideas in a staging environment before moving to a live one. This prevents your data from becoming skewed by bad development or bugs. You can work them out in an earlier environment.

This also allows your team to work concurrently in the early stages of development and idea testing through bug testing, all before you go live. Your team can also work on various ideas concurrently without crossing streams or backtracking, potentially messing up one another’s projects.

4. Containerize Code

A fundamental purpose of DataOps is to stay agile. Containerizing your code keeps it streamlined and simple. Containerizing means packaging in simple, reusable bits of code so that it can be used across platforms or languages.

It also means that it can be repurposed or tweaked slightly and rerun for another project. This keeps the whole operation agile, allowing you to act quickly with updates and new launches as you continue to hone your data operations.

5. Perform Regression Testing

As you’re moving forward with DataOps, regression testing is critical. With each new update and new operation you are utilizing, you’ll want to ensure new problems aren’t introduced and old problems aren’t reintroduced. Regression testing runs a program through its spaces to ensure that it’s still working properly with the new changes. If any bugs do crop up, you can step back to the previous version, ensure that it’s running properly, and then take the update back to development before introducing it again.

5 DataOps Tool Examples

As DataOps evolves, many programs and tools are being developed to support this approach to data analytics and processing. The software you pursue will depend on your goals, the amount of data you are dealing with, and other tasks or tools you need to integrate. Some of the options listed here may be bulkier than you need.

Before purchasing, read up on the features offered and how it works with tools you are already using to determine whether this is the right option for you.

You should know that while all of these promise a certain level of ease and approachability, they do start from a place of general knowledge and confidence with data software and API integration. You may want to turn to your web development team for support here. Some software developers listed here also offer in-house support and consultations that can help get your DataOps off the ground.

1. Fraxses

Fraxses promises to help brands who have access to lots of data, but need help with integrating that data in ways that actually work for them.

In a video example on their homepage, a retail brand was getting lots of great data, but didn’t have a way to access and integrate data directly from their customers that they could integrate in real-time on a single platform or dashboard.

video example mlops tool

Fraxses offers these kinds of solutions in the agile formatting required by DataOps. For example, the tool:

  • doesn’t rely on a single language but can be written in whatever you need
  • is decentralized
  • is low code or no code
  • can be democratized

Fraxses describes itself as a mesh or fabric you can lay over your existing data structures and platforms to pull together and interconnect the information you need.

2. RightData

RightData describes DataOps as DevOps plus analytics. They offer brands DevOps level of support for their analytics and data management, with the constraints of DataOps, which includes:

  • an agile approach
  • continuous delivery of data
  • a quick release times or sprints
DataOps Tools - RightData

RightData is a DevOps integration to support data and analytics management in your brand. Their promise is that they can keep up with the testing and monitoring part of the cycle after you’ve developed a system. This keeps your DataOps rolling forward and working seamlessly and quickly.

RightData also focuses on customer privacy and security, which is a key component to DataOps. Data breaches can cause an instant stop to your DataOps continuous processing and clog up the whole system. Maintaining security is key to moving forward in confidence.

Companies who want to learn more about working with the RightData DataOps tool can contact them directly for a demo and quote.

3. MLflow

MLflow stands for Machine Learning flow and it is a cloud-based platform on which you can run DataOps.

It’s an open-source platform, that can work on any language or with any coding. MLflow can be used by a single user or an entire company with many users.

It was created to solve the problem of too many data analytics tools making it too hard to move through a DataOps cycle with agility and continuity. DataOps relies on seamless reproduction to move ahead in quick sprints, not marathons of time waiting for data to be crunched while it grows irrelevant.

MLflow brings a solution to the community that brands are welcome to try, develop, and work together to make better.

If you’re into this kind of tinkering, you may want to explore MLflow.

4. K2View

K2View brings all the DataOps solutions that a brand needs under one roof so you don’t have to think about integrating this and that or whether your DIY DataOps fabric is covering all the bases.

Its premise is simple. They promise an all-in-one DataOps solution that brings you all the benefits including:

  • a single dashboard to monitor and digest all the information you need, whenever you need it
  • full, in-depth information on any product, customer, location or area, demographic, and more data that is up-to-the-minute and relevant, rather than lagging or growing old
  • continuous delivery of data
  • an adaptable and flexible framework that reacts to the data coming in
  • security support

The various integrations also ensure that anyone at your company who needs access to the data gets the interpolated and real-time information they need, from marketing to point of sales, from management to the floor.

You can contact K2View for a quote and can also check out a Proof of Concept for free for two weeks.

5. Tengu

Tengu is another DataOps platform available to you as a brand owner. Also low or no code, Tengu promises to be an approachable, off-the-shelf option for someone looking to start working with a DataOps solution. It can be used in the cloud for remote or spread out teams or directly at a single physical location if you want something more secure.

Not wanting a lack of knowledge to be a limiting factor, Tengu is built around self-service so users can get access to the features you need, and you can set it up with little technical experience.

They also boast that they are more than just the technology they deliver. They support their customers with consulting on how they can be better using their data and what kinds of systems will help them do that.

Those interested in Tengu can contact them directly to learn more about Tengu’s pricing levels and various consulting services.

Frequently Asked Questions About DataOps

What Is DataOps?

DataOps is a type of agile and continuous methodology, for the managing and interpreting of data for a company. With this approach, brands can process their data faster and more pertinent to their needs.

Why Is DataOps Important?

DataOps works at scale to crunch data quickly and more efficiently, in repeatable sprints, so companies have access to the information they need in real-time, in a single location, across departments.

How Do You Use DataOps in Marketing?

You can continuously gather data from customers, their experiences, the products people are buying, and more to make real-time decisions about how to reach more of your target audience.

What Are DataOps Tools?

DataOps tools integrate into your existing data collection software to process and deliver data information in a primary platform or dashboard. Examples include FraXses, RightData, MLflow, K2View, and Tengu.

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You can continuously gather data from customers, their experiences, the products people are buying, and more to make real-time decisions about how to reach more of your target audience.


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Guide to DataOps: Conclusion

Data is critical to our sales and marketing cycles. While there are plenty of great data analysis software options, sometimes you need that information coming in faster. With speed comes the need for efficiency, accuracy, and security. DataOps is the answer, in flexible and agile environments, constantly dripping in reliable data your brand can use to build better sales processes, respond to customer needs and wants, and hit your goals with more efficiency.

Which DataOps tool are you going to try first?

Globalstar's stock takes a dive after Apple didn't say its new iPhone supports satellite communications

Shares of Globalstar Inc. took an afternoon dive Tuesday, as investors expressed disappointment that Apple Inc. did not say its new iPhone 13s would support satellite communications. The mobile satellite services company’s stock sank 19.4%, after being down 5.3% just before the start of Apple’s iPhone 13 launch event. The stock had rocketed 64.3% on Aug. 30, after the reports surfaced that Apple would work with Globalstar as it added satellite communications to its next iPhone. The stock had climbed another 14.5% from Aug. 30 to the five-year closing high of $2.69 on Sept. 8, before pulling back. The stock has still rocketed 442.9% year to date, while the S&P 500 has advanced 18.3%.

Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.

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

Content Llama | Web or full stack developer | Remote, EU preferred

I need a great web developer and a full stack developer to join the product engineering team of 8 in Content Llama. We take the diverse product information and photos provided by brands and make it amazing and easy to use for online retailers. We’re doing that by building powerful user interfaces for human curators, and assisting them with machine learning and automation.

We’re a scaling start-up, with funding and customers. Our product roadmap is huge so you’ll be able to find a challenge that interests you. We don’t have a 24/7 service so we don’t have the on call requirements of many tech companies.

Tech stack is React+Redux, Spring Boot, and MariaDB on Azure, but experience with those isn’t necessary. Location is Dublin, Ireland, but our team is distributed between Ireland, Spain, Portugal and Ukraine so remote is certainly possible.

You can reach me at andrew.duffy@contentllama.com

The post New comment by andrew_duffy in "Ask HN: Who is hiring? (September 2021)" appeared first on Get Funding For Your Business And Ventures.

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

Weploy | Product Manager | REMOTE (AU, JP, NZ) or ON-SITE (Melbourne, AU) | Full-time

Weploy is an on-demand staffing platform for customer service. We’re building out a new version of our platform and need a product engineer to help us manage what we need build now and in the future.

Link: https://www.seek.com.au/job/53831429

Judge declares mistrial in case of Backpage.com founders charged with facilitating prostitution

A judge declared a mistrial Tuesday at the trial of the founders of the lucrative classified site Backpage.com on charges of facilitating prostitution and laundering money after deciding prosecutors had too many references to child sex trafficking in a case where no one faced such a charge.

Top Tips for How to Build Credit for a Business: The Last One May Shock You

Most business owners assume that you build credit for a business the same way you build consumer credit. Honestly, it makes sense.  It’s no wonder this is such a common misconception. With consumer credit, you just get credit accounts, and your payment history, good or bad, is reported to the credit bureaus. It builds passively … Continue reading Top Tips for How to Build Credit for a Business: The Last One May Shock You

Top Tips for How to Build Credit for a Business: The Last One May Shock You

Most business owners assume that you build credit for a business the same way you build consumer credit. Honestly, it makes sense.  It’s no wonder this is such a common misconception. With consumer credit, you just get credit accounts, and your payment history, good or bad, is reported to the credit bureaus. It builds passively on its own, whether you want it to or not. However, when it comes to how to build credit for a business, the same is not true.

How to Build Credit for a Business: Be Intentional

You have to intentionally work to build a business credit profile with a positive score. How do you do that? First, you have to establish a business credit profile. Then, you have to find accounts that will report your payments.  This is how you start to build a business credit score.

How do you establish a business credit profile? Don’t all creditors report payments, or lack thereof? Where do I start? Surprisingly,  you start at the beginning. 

It goes all the way back to the foundation. Business credit is part of a bigger picture we call fundability. You cannot build credit for your business if your business is not fundable, and fundability starts with a fundable foundation. 

How to Establish a Business Credit Profile

The steps you take to build a business credit profile are the same ones necessary to lay a fundable foundation for your business. If you are missing any of these steps your business will not be fundable and you will not be able to build credit for your business. Some of the things that make a difference will probably surprise you.

  • You need an EIN
  • You need to incorporate
  • A separate business bank account is a must
  • Even your business name and NAICS codes can make a difference! 

How to Build Credit for a Business: Pay Attention to the Details

Something as little as your business address, phone number, or email address can cause problems with fundability.  That, in turn, affects your ability to build credit for your business. Your address has to be a physical address where you can receive mail. For example, don’t use a P.O. Box or an UPS Box.  

Your phone number should be toll-free and listed in the 411 directories.  You can have it forwarded to your personal phone, but you need a separate business phone number. Also, a business email address is necessary.  But, you need to be sure it has the same URL as your business website. Do not use a free option like Yahoo or Gmail.

Here is a quick bonus tip. Your website needs to look professional and work well, and you need to pay for hosting. If a lender looks at your website, you want to make a good impression.  

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

How to Build Credit for a Business: You Have to Apply for a D-U-N-S Number

Dun & Bradstreet is the largest and most commonly used business credit agency. Yet, you cannot have a business credit profile with them without a D-U-N-S number. You will not get one automatically. You have to apply for one on the Dun & Bradstreet website. Since lenders use it often, it is important to have a profile with them. It’s free, but be careful. They will try to sell you a lot of things you do not need, including their business credit monitoring services. You can do that cheaper elsewhere. Just apply for the number. 

How to Build Credit for a Business: Recognize That Not All Credit Accounts Will Report Payments

One of the major differences between consumer credit and business credit is that not all business credit accounts report payment history. Of course, pretty much all consumer credit accounts report payment history. You do not have to do anything to make that happen, it just does.

But this is not how business credit accounts work. Even if you do all the work to set your business up to be fundable, and establish your business credit profile, you may still not have a business credit score. Unfortunately, that’s because the accounts you have may not be reporting your on-time payments. 

The solution may seem simple. Just find accounts that will report. However, it’s not easy to find accounts that will approve you before your business credit score is established, let alone those that will do so and report payments. When you are trying to establish a business credit score, you have to find the few vendors that will both extend credit to your business without a credit check and report payments. There aren’t many, so you have to take what you can get. 

Finding Initial Accounts to Build a Business Credit Score

Business owners pretty much have two ways to go about finding these accounts. Of course,  you can just apply for credit accounts and hope you get approved. Then, hope they are reporting payments. You can monitor your business credit to see if payments are being reported. If they are, that’s great. If not, you have to start over.

Complicating matters even further is that you need 5 or more accounts reporting initially. This is a minimum to build a score strong enough for approval from other accounts. As you can imagine, this trial and error method can take an extremely long time.

The other option is to enlist the help of a business credit specialist. This is someone who can help you find those accounts that will both approve you without a credit check, and report on-time payments to the business credit reporting agencies. These are typically net accounts, not revolving.  That means they have to be paid in full completely at the end of the net term, usually 30, 60, or 90 days.

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

How to Build Credit for a Business: Apply for Accounts in the Right Order

You cannot just start applying for any and all accounts at random trying to get credit for your business. Well, technically you can, but if you do not have a strong business credit score, you will be denied. 

The first accounts are those initial accounts that will approve a business without a credit score and report payments to the business credit reporting agencies. Still, even after you have your initial business credit score, you will not yet be eligible for any and all business credit accounts.  In contrast, you’ll have to find those that will approve you based on your still limited credit history.  Furthermore, those new accounts need to report payments as well so that you can continue to build your business credit score. 

This puts you in the same predicament described above. You can either apply at random, using trial and error until you get enough accounts reporting to apply for those with higher limits and lower interest rates, or  you can save yourself considerable time and frustration by working with a business credit specialist. A free consultation with a business credit specialist is one of the best ways to see what they can do for your business. 

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

You Can Build Credit for Your Business

You can build credit in your business name. However, you have to take the initiative to work through the process. It will not happen on its own. Don’t wait either. Start now.  Even if your personal credit is fabulous and you have no trouble funding your business based on it, you need to know how to build credit for your business so that you can keep your strong consumer credit score. Then, you can get the funding you need to run your business, when you need it. 

The post Top Tips for How to Build Credit for a Business: The Last One May Shock You appeared first on Credit Suite.

OneSignal (YC S11) Is Hiring a Head of Product Engineering

Article URL: https://onesignal.com/careers/5accd5c2-4a81-45ca-9813-701cae3cbec4

Comments URL: https://news.ycombinator.com/item?id=28491240

Points: 1

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