Infracost (YC W21) Is Hiring a Sr Software Engineer: Love Your Cloud Bills

Article URL: https://www.ycombinator.com/companies/infracost/jobs/9fGDG72-senior-software-engineer

Comments URL: https://news.ycombinator.com/item?id=28627978

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Neuro (YC W21) Is Hiring Engineers to Build APIs for ML Compute, £40-100k Bath,UK

Article URL: https://jobs.lever.co/Neuro/20602492-eaf6-4e42-936a-1e2928e851b8

Comments URL: https://news.ycombinator.com/item?id=28639406

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CDC director recommends COVID-19 booster for younger at-risk workers, defying advisory panel

U.S. Centers for Disease Control and Prevention Director Dr. Rochelle Walensky late Thursday endorsed the Pfizer coronavirus vaccine booster shot for younger at-risk workers, which is seen as a rare break from the agency’s Advisory Committee on Immunization Practices panel.

A Brief Guide to Blazor for HTTP and C# Applications

Behind every great website or application is a lot of coding. When that code is heavy or overly complex, it can slow down website speed and increase bounce rates. This is why a lot of marketers are excited about a new user interface from .NET called Blazor. 

The name is a combination of “browser” and the .NET markup syntax Razor, for those familiar with it. 

What is Blazor, and what do you need to know about it? Here’s a quick run-down that even non-developers can understand. 

What Is Blazor?

Blazor is a user interface that allows developers to build front-end applications using C#, HTML, and Razor templates. You can build components and pages that then run on a server or directly on a browser. It was built by the .NET team and is completely open-source and free for anyone to use.  

The use of templates, C#, and HTML makes developing easier and, in many cases, faster. 

What Is Blazor - Blazor in Use

What Are Blazor Apps?

One of the platform’s key components is Blazor apps, which allow devs to add features without coding every single step. It is a bit similar to the way a WYSIWYG website builder allows users to build a website without coding at all. 

In this case, however, it lets devs code without JavaScript. 

You can also run Razor apps on Blazor.  

How to Run Blazor: Server or WebAssembly 

Blazor can be run in two ways—on the server or using WebAssembly, which allows you to run it directly on most browsers. 

There are pros and cons to both. Using WebAssembly, you’ll enjoy a fast UX that is supported offline and can use a CDN. However, the initial load time can be slow, and you may need to call the API, which can slow things down. 

If you choose to go with the server route, you’ll find onboarding is a bit easier, and load and render times are faster. However, your app won’t work offline, and changes can cause major latency issues. Also, it can be difficult to scale apps because each user has their connection to the server. 

Why You Should Use Blazor

Blazor allows developers to write the client-side of code in C# or HTML, which means you don’t have to know JavaScript or other languages. This makes it easier for a single developer to work on a project. It can also make it more manageable to delegate tasks to team members since they only need to know one coding language

Since the same code is used on the client and server side of an application, the code only needs to be written once—which can save you tons of time. 

There are also several benefits for marketers. 

Blazor can help developers create sites that generate more traffic

Server-side rendering comes standard, which is great for SEO. This allows bots from search engines to easily crawl your code and your site. Server-side rendering improves load time, so when a website loads, it takes a few seconds to show up on-screen. This duration can be reduced if the server sends all the data needed to render the page to the browser before it loads.

Using HTML and C# also reduces the amount of JavaScript on an application, which can increase load times and reduce bounce rates

How Does Blazor Work?

Blazor works by combining C#, HTML, and apps to make application development easier. It can do nearly everything JavaScript can do, but you don’t have to know JavaScript. 

It uses Razor templates to create components that produce browser-renderable HTML and CSS. It’s the same as any other browser content: pure, semantic, and accessible HTML and CSS.

This means you can use all CSS features, including media queries for responsive design, and CSS custom properties. 

This video from dotNETConf walks you through how to build a full-stack web app:  

I’ll also go through how to set it up in a further section. 

What Is Blazor Used For?

Blazor is used to build web-based applications. This can include mobile apps, webpages, and anything else you can build with JavaScript. 

The framework allows you to complete a number of common development tasks, such as rendering components and HTML, fetching data over HTTP, and client-side routing. 

When used on a browser, it has full access to the browser’s JavaScript APIs. As a result, Blazor apps can use JavaScript functions from .NET methods and also .NET methods from JavaScript functions. 

For cases where the framework doesn’t have a specific API or component, or if developers want to work with the JavaScript ecosystem, then JavaScript interop is used.

How to Setup a Blazor Project 

Now that you understand the basics of Blazor, let’s talk about how to use the program. As I mentioned above, it is a free, open-source program, so you won’t need to pay to use it. You also have access to the source code through GitHub, if that’s your thing. 

You’ll need two things to create a project: the platform and Visual Studio 2019 or above. 

Here’s how to get started: 

Step 1: Download and install Blazor from the Microsoft page. Click the “Get started” button. 

How to Setup a Blazor Project

Step 2: Install Visual Studio, if you don’t already have it. This will let you do that actual coding. This may take a few minutes to install and load. 

Step 3: Run a command prompt and run > dotnet command. This will verify everything is installed correctly. If it is ready to use, you will get a response like this: 

How to Setup a Blazor Project - Command Prompt Check

Step 4: Next, open Visual Studio and select “Create a new project.” 

Step 5: Select ASP.NET. If you don’t already have the ASP.NET Core Web Application installed in Visual Studio, you’ll need to add it. 

How to Setup a Blazor Project - Create a New Project

Step 5: In “Configure new project” add a name, then select “Create.” 

Step 6: In the “Create a new ASP.NET Core web application” box, choose “.NET Core and ASP.NET Core 5.0” in the dropdown menu, then “Web Application” and “Create.” 

You now have a project set up. Now you can start using Blazor apps to see how they work. While the actual coding is beyond the scope of this article, I highly recommend this tutorial from Microsoft.  

If you want to play around with without downloading a ton of stuff, you can use this browser-based tutorial

Frequently Asked Questions About Blazor

Is Blazor Worth Using?

It depends on your needs. It is ideal for programmers who don’t like JavaScript, don’t know JavaScript, or don’t want to slow down their site with tons of JavaScript. However, it does require the whole runtime to be shipped and may not work with non-standard browsers in some cases. 

Is the Blazor Server Fast?

In general, yes. However, all users have a persistent bi-directional connection to the server, which can cause issues for larger applications. 

Is Blazor Easy to Learn?

If you already know C#, you’ll have an easy time picking up Blazor. It’s easy, fast, and integrates well with the .NET ecosystem

How Much Does Blazor Cost?

Blazor is part of the open-source .NET platform, which means there are no fees or costs, even if you use it commercially. It was built and is maintained by a community of contributors.

Does Blazor Matter for Marketing?

Blazor is unlikely to have a daily impact for the average marketer, but there are some benefits marketers should be aware of. 

It may make it easier (and faster) for development teams to create new pages or applications. It also makes it easier for search engine bots to crawl, which is a bonus for digital marketing. 

What Is the Difference Between Blazor and Razor?

Razor is a template markup syntax for .NET. Blazor (which combines the word “browser” and Razor) is a framework that can run multiple types of code and deliver it to servers or browsers. Essentially, it is an evolution of Razor.

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Blazor Conclusion

If you are looking for a way to streamline the development process—and improve page speed a bit—Blazor is a great platform. While it’s more than the average marketer needs to build a website or launch a landing page, it’s great news for developers. 

The user-friendly platform helps streamline workflows, reduces coding language limitations, and makes it easier for dev teams to get work done. 

Have you tried Blazor yet? What do you like best about it? 

5 Key Graphic Design Elements for Paid Campaigns

Think about the number of ads you see in an average day. Can you remember them all? Don’t worry if the answer’s no. After all, the average person sees up to 10,000 ads per day across the internet!

Let me ask you an easier question. Think about the last marketing campaign you can remember. The last ad that made you sit up and take notice. What about the ad caught your attention? 

Chances are, you’ve got something visual in mind. Whether it’s an image, video, or interactive picture, I bet you remember something about the aesthetic—the graphic design. 

See, graphic design is about communication: sending the right message to your intended audience and showcasing what’s special about your brand. Let me show you why graphic design matters in paid ad campaigns and the types of elements you can use to craft stand-out ads.

The Importance of Graphic Design in Paid Campaigns

Honestly, there are so many reasons why visual elements work in ad campaigns. However, we’ve narrowed it down to three main reasons graphic design is crucial to paid campaigns, whatever niche you’re in. 

For starters, graphic design allows you to make a great first impression with your target audience. It sets the tone for how a prospect perceives your brand. Do first impressions really matter, though? 

Sure. Just think about how much competition is out there, for one thing. Stand out from the crowd by setting a professional, positive first impression with eye-catching designs.

Secondly, graphic design helps reinforce your brand identity. It allows you to tell your brand story in a unique, creative way designed to grab a prospect’s attention. You can use a series of consistent, connected ads to really drive home your desired messaging and shape your audience’s perspective of what your company stands for.

Finally, great visuals speak louder than words. They transcend language and cross boundaries to communicate strong, effective messages to a target audience.

The key takeaway? Graphic design helps you craft content that attracts attention and sticks in a prospect’s mind long after the content disappears from their screen.

Graphic design sounds great, right? It is, but bear in mind some words of caution: While great visuals can do wonders for your brand, poor graphic design can leave a bad impression.

Stick with high-quality, professional graphic elements, and keep your messaging consistent: It takes five to seven interactions for someone to remember a brand, so make it easier by communicating consistently. 

Not sure where to start with graphic design? You have two main options. If your budget stretches to it, you might want to hire a professional company to help you design great graphics. Alternatively, there are numerous graphic design tools you can use to create your designs in-house.

5 Key Graphic Design Elements in Paid Campaigns

OK, so that’s why graphic design is crucial to any successful paid campaign. What elements go into a great ad, though? How do you make different visual elements work together to create a memorable campaign?

Well, while there’s no “magic” formula, there are five key elements you can use to create visually engaging campaigns. You don’t need to use them all in every design, but you should ideally use as many elements as you can to enrich your content. After all, you only have roughly two seconds to grab a person’s attention before they move on, so your paid ads must stand out. 

With that in mind, let’s take a look at each element in turn and consider what they are, how they’re used in graphic design, and how they work together.

1. Typography

In graphic design, typography refers to how you arrange text within your advertisement. It’s how you display words to quickly capture someone’s attention and communicate your core message. 

Typography tells people why your ad matters, so it’s crucial you choose the right words. However, what’s equally important is the font and the text size.

The font directly impacts the vibe or mood of your ad. For example, a sharp, angular font sends a strong message:

Graphic Design Example of Bold Typography

Softer fonts, on the other hand, have a more relaxed vibe:

Graphic Design Example of Soft Font Typography

Size and density matter, too. Large, thick lettering conveys a powerful message, while smaller, thinner letters are more elegant and timeless.

Finally, typography covers text emphasis. Highlighting, bolding, or italicizing some words draws special attention to them, so people quickly know which words to pay the most heed to.

Don’t let typography daunt you. Think of it as how you put words together on the screen. Experiment with different text positioning to ensure the ad is well-balanced, and check out examples of ads in your niche to see what works and what doesn’t.

2. Visuals

By “visuals,” I’m talking about the actual images you use to grab someone’s attention. Visuals can include:

  • illustrations
  • photographs
  • videos
  • logos
  • graphs
  • pie charts

Why are visuals so important? Well, they make up the bulk of your ad. Unless you use particularly bold lettering or a lot of blank space (which we’ll cover later), images are central to your visual content.

You can use visuals to convey messages that may be hard to express through words, or you might use visuals to reinforce a written message.

Videos, for example, help you describe how something works in more detail. It’s an opportunity to get closer to your audience and build trust in your brand:

Infographics, on the other hand, help marketers condense complex points into visually appealing content that’s easily consumed and understood. Finally, elements like logos allow marketers to increase brand visibility on social media and elsewhere online. 

The takeaway? You can use visuals to craft a consistent brand presence while communicating your core message in an engaging way.

Visuals are key to shaping the overall mood of your graphic design, so think carefully about the type of visual elements you want to include to maximize your ad’s chance of success. Again, it might be worth scoping out successful ads in your niche and seeing what you can learn from them.

3. Space

Specifically, space in graphic design refers to the space surrounding other elements like text, shapes, or visuals. It’s also referred to as “white” space or “negative” space. 

Think of white space as your foundation. You start with a blank or white screen, and you build the other elements around this space. In other words, white space is the canvas, allowing you to balance contrasting elements, draw attention to key visuals, and create the right vibe.

To be clear, there’s no need for the space to actually be white; it can be any color. What matters is that there’s clear space between your visual elements to avoid a confusing aesthetic.

The main point to bear in mind? If there’s not enough space between elements, your design might be cluttered, jarring, and difficult for your audience to make sense of. On the other hand, if there’s too much space, the ad might seem redundant or hollow.

Learning the art of white space is key to mastering how to craft well-balanced, appealing content for landing pages and campaigns.

4. Color

I can’t overstate how important color is when choosing graphic designs for your paid campaigns. Whether you opt for a bright, vibrant palette or muted, dulcet tones, the color choice affects the whole mood of your campaign.

In design, we can group color schemes into categories based on where they sit on the color wheel. Here’s a simple example of a color wheel:

Graphic Design Example of Color Wheel

Complementary colors sit opposite each other, such as yellow and purple. Monochromatic colors, on the other hand, are simply different shades of one color (such as different hues of blue.)

Analogous colors sit beside each other, such as orange and yellow, while triadic colors are evenly spaced across the wheel (such as yellow, red, and blue.)

Graphic design involves selecting a color palette to dictate the mood or communicate an emotional response. Bold colors and warm hues, for example, invoke different vibes from cold colors or softer, pastel shades.

You can play around with different color combinations until you find the one which feels right.

Don’t forget to consider what colors to use for all visual elements and how they might work together. If you opt for black and white text, think about how this might work with the color scheme for your background and chosen visuals. A disorganized, fragmented color scheme can ruin the look of your design.

5. Lines and Shapes

In graphic design, lines are about more than just connecting dots. Lines have numerous artistic purposes, such as:

  • organizing information in a compelling way
  • creating a mood or invoking feelings
  • building a sense of movement or momentum

Lines are highly expressive tools. They can be:

  • curved
  • straight
  • solid
  • dotted
  • thick
  • thin
Graphic Design Types of Lines and Shapes Visual Elements

The type of lines you draw depends on the message you’re trying to send to your audience.

Shapes in graphic design simply mean forms contained within lines, such as rectangles, squares, circles, and so on.

There are two main types of shapes: organic and geometric. Organic shapes are less well-defined. They include natural shapes, such as leaves, and irregular or curved shapes, such as vases. No two organic shapes are the same. By contrast, geometric shapes are more simplistic. They can be 2D or 3D, depending on the form, and they include shapes like triangles, rectangles, and spheres.

In graphic design, you can use a blend of organic and geometric shapes, or you can stick with one category for a more uniform design.

Frequently Asked Questions About Graphic Design in Paid Campaigns

What is graphic design?

Graphic design is a means of creating visual content. Using a blend of color, imagery, and text, graphic design communicates specific messages in a visually appealing, engaging way. 

Why is graphic design important in paid ad campaigns?

You can use graphic design to drive home your brand message more effectively through paid ad campaigns. With the right imagery, your ad can stand out from the crowd, which is especially important in a crowded niche. What’s more, professional graphics could make your brand seem more authentic and trustworthy.

How do I use graphic design in paid ad campaigns?

Graphic design works great on visual social media platforms such as Instagram, but you can also use it on display ads, landing pages, and Google shopping ads. Wherever there’s an opportunity to add imagery, the right graphic design elements can help you build a consistent brand identity online.  

What graphic design elements should I include in a paid campaign?

Ideally, you’re aiming to include a blend of elements. The five key elements to choose from are text, color, space, shapes, and visuals. You don’t need to include every element in every ad, but you should use as many as you can to create eye-catching designs. 

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Graphic Design Conclusion

As a technique, graphic design itself is nothing new. However, if you get a little creative, you can use this tried-and-tested technique to craft unique, captivating content for your paid campaigns.

When you’re working on graphic designs, be sure to check out the range of image editing and graphic design tools available online. You should also evaluate successful ads in your niche to figure out what made them special and identify how you can use your findings to craft your content. 

Finally, you might consider checking out my consulting services to see how I can help you take your paid campaigns to the next level.  

How are you using graphic design in your paid campaigns?

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.

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