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Get Amazing Business Credit Cards With Rewards

Business Credit Cards With Rewards? They Can Be Yours!

Get business credit cards with rewards now.

We checked out a ton of business credit cards with rewards and did the research for you. So, here are our picks.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer cards!

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

And you will not need collateral, cash flow, or financial data to get small business credit.

Business Credit Cards With Rewards: Benefits

Perks can differ. So, make sure to pick the perk you like from this variety of options.

Unbeatable Business Credit Cards With Rewards

Ink Business Preferred ℠ Credit Card

So check this out when you’re looking at business credit cards with rewards. Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa credit card.

Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.

Details

Get 80,000 bonus points when you spend $5,000 in the initial 3 months from account opening. There is an annual fee of $95. You can add employee credit cards at no additional cost.

This credit card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases earn an unlimited flat rate of one point per dollar. And there is no introductory APR

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred

Terrific Business Credit Cards For Cash Back

SimplyCash Plus Business Credit Card from American Express

Take a look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases So this is for the initial 15 months an account is open.

But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, get 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from United States providers. But this pertains to the initial $50,000 of annual spending. Then, you earn 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you earn 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it applies if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Capital One® Quicksilver® Card

Make sure to check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 annual fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is on offer for those who make a minimum of $500 in purchases in 3 months of account opening.

Details

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

This credit card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/

business credit cards cash back Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Small Business Credit Cards with 0% APR – Pay Absolutely Nothing! A Terrific Alternative to Business Credit Cards With Rewards

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel through the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 in the first 60 days of opening up the account. Cardholders get travel accident insurance, and lost luggage reimbursement.

They additionally get trip cancellation coverage, trip delay reimbursement and other perks.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

JetBlue Plus Card

Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR

Get six points/dollar on JetBlue purchases, two points/dollar at restaurants and grocery stores. And get one point/dollar on all other purchases.

Details

Spend $1,000 in the initial 90 days and pay the annual fee, and earn 40,000 bonus points. New cardholders receive a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.

Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 annual fee for this card.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/

Remarkable Business Credit Cards with No Annual Fee – a Great Complement to Business Credit Cards With Rewards

Uber Visa Card

Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.

So, this includes retailers and subscription services like Uber and Netflix. And earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.

By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 yearly are eligible to receive a $50 credit toward online subscription services.

Details

If you pay your cell phone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber anticipates the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.

Also, there are restrictions on Uber credits. To redeem points as credits within the Uber app, accumulate at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.

The credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Get 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Also, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Starwood Preferred Guest® Business Credit Card from American Express

Another option is the Starwood Preferred Guest Business Credit Card from American Express.

This card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And get four points per dollar at US restaurants, American filling stations, and on American purchases for shipping.

Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Earn 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 after that. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card

Reliable Low APR/Balance Transfers Business Credit Cards

Discover it® Cash Back

Look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can earn 5% cash back at different places each quarter. So, these are establishments like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. Also, automatically earn unlimited 1% cash back on all other purchases.

You will get an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Credit Builder Company Credit Cards – Make Your Credit Surge!

Discover it® Student Cash Back

Make sure to look at the Discover it® Student Cash Back card. It has no yearly fee. The credit card also has a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One one-of-a-kind feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit every year for up to five years.

Details

Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be vital. And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And although they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Secure Business Credit Cards for Average Credit

Capital One® Spark® Classic for Business

For fair credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. The card gets an unlimited 1% cash back on all purchases. There is an annual fee of $0.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.

But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.

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

business credit cards cash back Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Small Business Credit Cards for Luxurious Travel Points

Capital One® Spark® Miles for Business

Be sure to check out the Capital One® Spark® Miles for Business card. So, with this card, you can earn 2 miles per dollar on all purchases. When you spend $4,500 within the first 3 months of opening an account, you can earn 50,000 miles. So, that is worth $500 in travel.

Benefits for cardholders include an auto rental collision damage waiver, and purchase security. And they also include extended warranty coverage. And you get travel and emergency assistance services.

Cardholders will pay $0 introductory for first year. But they will pay $95 after that for the annual fee.

There is no 0% APR for purchases or balance transfers with this card. The APR is 18.74% (variable).

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

biz credit cards Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

IHG ® Rewards Club Premier Credit Card

Consider the IHG ® Rewards Club Premier Credit Card. it earns hotel rewards worldwide. For each dollar spent at participating IHG hotels, get 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.

And all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay annually. Plus, there is a range of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.

The biggest issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the annual fee is $89.

Get it here: https://creditcards.chase.com/a1/ihg/premiernaep

Marriott Rewards® Premier Plus Credit Card

This credit card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.

Spend $3,000 in the first three months from account opening and get two free night awards (each worth up to 35,000 points).

Cardholders get access to perks including a free one-night stay yearly after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.

Details

Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year, and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.

So there is an annual fee of $95. The APR is a 17.99– 24.99% variable.

Get it here: https://creditcards.chase.com/marriott/apply

Ironclad Secured Credit Cards

Wells Fargo Business Secured Credit Card

Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per credit card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is meant to help cardholders develop or rebuild their credit.

Pick this card if you wish to get 1.5% per dollar in purchases with no limits or get one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. So it is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a credit card for balance transfers.

So, get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

The Perfect Business Credit Cards With Rewards for You

Your outright best business credit cards with rewards will hinge on your credit history and scores.

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

So, as always, be sure to develop credit in the recommended order for the best, quickest benefits.

The post Get Amazing Business Credit Cards With Rewards appeared first on Credit Suite.

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Financial Debt Or Credit Consolidation Could Be The Answer

Financial Debt Or Credit Consolidation Could Be The Answer

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Customer financial debt loan consolidation solutions offer borrowers with therapy on economic as well as financial obligation administration as well as debt education and learning. If you have actually been thinking about personal bankruptcy to resolve your exceptional financial obligation car loans, you might desire to take into consideration financial obligation decrease loan consolidation solutions rather. Establish the objective of removing your unsafe financial obligation as well as look right into customer credit score therapy as well as comparable solutions, consisting of financial debt combination solutions. Financial obligation debt consolidation companies are established up with the objective in mind of minimizing your financial obligation, overall month-to-month repayments and also rate of interest price.

The post Financial Debt Or Credit Consolidation Could Be The Answer appeared first on ROI Credit Builders.

An Inside Look at Google’s Future Plans

Everyone talks about algorithm updates, but Google does a
whole lot more than adjust algorithms.

Some of the moves they are making are really going to impact
your marketing efforts.

So, what are these non-algorithm changes?

Well before I get into them, keep in mind that you aren’t
going to like some of them, and that’s ok. Instead, I want you to focus your
energy on how you can leverage these changes before your competition.

Let’s get started…

Change #1: Google executives are big on “ambient
computing”

If you aren’t familiar with the concept of ambient computing,
here’s a quick definition:

Ambient computing is a term that encompasses many different concepts. At its core, it is the combination of hardware, software, user experience, and machine/human interaction and learning, all of these things becoming the idea of using a computer or internet-enabled device, without necessarily consciously using it.

In other words, Google wants you to use them 24/7 no matter
where you are or what you are doing. They are doing this by integrating
products everywhere.

Whether it is Nest, Android devices, Chromebooks, smartwatches, Google Home, or anything else they can drum up.

Because their mission is to spread the usage of all Google
related products, it will eventually open up new ways for you to drive traffic
and monetize.

An obvious example is to create apps on mobile devices that
work on Android phones. Uber, Netflix, and Candy Crush are all examples of apps
that work on Android devices.

You already know about apps, but I bet you don’t have one.

To give you an idea of how well you can do with a mobile
app, there are roughly 2 million mobile
apps, and there are over 13
billion mobile devices.

Of course, a lot of those devices are old or in landfills. But still, there aren’t that many apps for how many mobile devices that exist. Especially when you consider that there are over 1,518,207,414 websites.

In other words, there are 759 times more websites than
apps, so consider creating one. 😉

If you don’t know how you can always use services like Build Fire.

And in addition to apps, you’ll need to start looking at generating traffic through all voice devices. Phones, watches, and even the smart home assistants that Google is creating leverage voice search.

Using tools like Jetson.ai
will help you create a voice version of your website so you can collect sales
and leads.

If you don’t think voice search is that important, 50% of searches are now voice-based.

Again, just like an app, I bet you don’t a voice search version of your website.

Question is, are you going to create one first or is your competition?

Change #2: Future generations are more likely to be
hooked on Google devices

Do you have a Chromebook? Chances are you
don’t.

But if you have kids, or nieces or nephews, ask them if they
have ever used a Chromebook.

Chromebooks are not only affordable, but they are taking
over the world, at least when it comes to millennials and generation z.

Just look at the percentages
of schools that use Chromebooks.

In some countries like the United States, 60% of the schools
use Chromebooks.

That’s a ridiculously high percentage.

Apple has also been trying to penetrate classrooms, but they
haven’t been having the same success as Google.

All this means is that kids are going to grow up using
Google devices and fall into their ecosystem.

Sure, social sites like Instagram, Tiktok, or whatever else is new will always be popular, but the chances are these young kids will get to those sites using a Google device.

Even though Google isn’t as sexy as it once was, you shouldn’t
take it for granted. It’s not going anywhere, and future generations will
continue to leverage them. Just don’t drop your eye on Google and you’ll be
fine.

Change #3: Expect Google to buy someone big in the
ecommerce space

When you think of ecommerce, what name comes to mind?

I bet you are thinking of Amazon.

We all use Amazon and, of course, every major tech company wants a slice of the ecommerce market.

Even when I’m using a search engine to find something to
buy, I usually click on an Amazon listing because we all love their Prime
shipping feature.

Google’s been trying to take a piece of that market for years. From shopping actions to Google Shopping nothing has really been too effective.

As consumers, we are just trained to go to Amazon to buy stuff.

And if you aren’t going to Amazon, you are probably going to Walmart or one of their online stores that they own all around the world.

To make matters worse, Walmart has removed all of its products from Google Shopping.

Google hasn’t made any big ecommerce or commerce purchases in general but you can expect that to change.

They may decide to buy a grocery delivery company like Instacart, but knowing them, I believe they will stick with the software, just like most things that they are doing.

Expect them to go after Amazon by helping people create
their own ecommerce site. Whether it is through a Shopify
acquisition or Bigcommerce or any other
platform out there, they want to own the ecommerce market.

It’s going to be too tough to go head-on with Amazon, and that’s I think they will take a different route and go after a platform like Shopify.

If you are selling products online you should, of course, be on Amazon, but don’t rely on them. Make sure you have your own website and look to see what platform play Google makes as you may eventually want to consider moving over to whatever they buy.

Change #4: Google will dominate the hardware industry

And no, I don’t mean they are going to create something
better than an iPad or an iPhone.

Apple, at its core, is a hardware company and they are clearly the winner when it comes to producing amazing devices that we use. But there is a big issue with Apple devices and even Samsung devices.

They are expensive.

If you want to buy a brand new iPhone, expect to drop $699 for the lowest model.

Google, on the other hand, does have high-end devices, but they also try and produce affordable devices. They also let other manufacturers use their operating system for their phones.

Their goal isn’t to make the most money per phone. Their goal is to get everyone in the world using their hardware.

Why?

Because that means they are collecting more data and that allows them to generate the most amount of money from advertising because all of these devices drive people to their search engine that is filled with ads.

It’s a pretty smart move.

I highly recommend that you watch this…

They aren’t just using this strategy with their phones, they
are trying to make all of their products affordable. That way people all over
the world can afford them.

Because if you live in places like Brazil or India, Apple
devices are too expensive, which leads people to choose a Google device.

Less than 5% of the world lives in the United States… the money is in the global markets.

If you are debating which platform to build on, consider Google, even if it isn’t the sexiest due to sheer volume. Android’s market share is roughly 87% because of its affordable hardware and partnerships.

Change #5: Expect Google Ads to go offline

Right now you mainly see ads on their search engine.

Yes, you will also find ads on some of their other properties like Maps, but expect them to be everywhere.

For the first time, the 2019 digital ad spend overtook traditional ad dollars in the United States.

But still, ad dollars offline is more than a hundred billion-dollar industry, and that’s just in the United States.

Over the next few years, I bet you’ll see Google dip into offline advertising.

Just think of it this way. Google owns Waymo, a self-driving Uber type of service that is growing fast in popularity.

They have data from the Google devices in your home and the watch on your wrist and they know where you going through Waymo… essentially, they have more data on you than anyone else.

Heck, they are even starting to offer checking
accounts.

With all of that data, who better to serve you offline ads?
They’ll be able to target people better and make them more relevant.

This will also increase the value (cost) of offline ads as
well as online ads in the long run.

Change #6: Search results won’t look the same in the
future

You are probably going to hate this change the most, but it
will also make their search engine more usable.

They are testing a lot of different ad types.

For example, as a business, you can collect leads through Google.

And eventually, you’ll just be able to book a hotel room right on their search engine without going to the hotel’s website.

The same will happen with mortgages, auto insurance, and many more industries.

This doesn’t mean that SEO will be dead or no one will go to
your site from search engines, it just means you will have to adapt.

For example, you can create educational-based content, rank highly, and when people land on your website, you can convert them through sales funnels.

You can also use tools like Hello
Bar to create sliders and popups to drive visitors to your money pages.

Conclusion

The future isn’t going to look the same. Companies like
Tesla aren’t the only ones who are innovating, most big companies are.

Don’t expect Google to just stay the same and not adapt just
like every other tech company is trying to do.

It’s the only way to stay ahead and win.

As marketers and entrepreneurs, Google won’t be the only one
disrupting how you are growing your sales and traffic. But instead of getting
upset or complaining, accept it.

Be productive with your time and focus on adapting. Because
when you are adapting while your competition is complaining, you’ll win.

What other changes do you see Google making in the
future?

The post An Inside Look at Google’s Future Plans appeared first on Neil Patel.

AT&T ' s Government Distress Signal

The post AT&T ' s Government Distress Signal appeared first on Buy It At A Bargain – Deals And Reviews.

Get Schooled: The ABCs of Business Funding 

Everything You Need to Know About Business Funding that You Didn’t Learn in Kindergarten

Whether you are a new entrepreneur or a seasoned business owner, there are likely things you do not know about business funding.  What are your options? How do you get it? What is the best option for you? 

These are not easy questions to answer.  There are a lot of variables, and it can take some time to figure things out.  Don’t worry though. We’ve got you covered. We are going to take you back to school and cover everything you need to know about business funding. 

A is for Application Ready

Not all business funding is a form of debt.  The vast majority however, is. Crowdfunding, grants, and independent wealth are pretty much the only exceptions.  For this reason, it is vitally important to be certain your business is application ready. That means having a stellar credit score, all documents prepped and ready, and collateral available. 

Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet.

You can’t do it overnight, but there is never a better time to start than right now. It may take some prep work that you have thought about.  For example, did you know that for your business to appear fundable to lenders, it is important to have separate contact information, an EIN, a D-U-N-S number, and even to have a professional, user friendly website? 

Not only are these things important for appearing fundable, but they are necessary to start building business credit.  Business credit is important. Here’s why. Most of the time personal credit cannot handle the spending necessary to run a business.  If you try to run a business solely on the merits of your personal credit, you could end up destroying your personal credit score even if you make every payment on time. 

How to Make Your Business Appear Fundable 

Get Incorporated

It is important to incorporate.  You have a few options. The one you choose will depend on your budget and the level of liability protection you need.

  • C Corp

This is the most complicated and expensive option.  Before you choose it, be sure there are other reasons.  The other options work fine for business fundability.

  • S Corp

This option basically offers the same separation as the C Corp, but taxes are paid at the personal level, rather than requiring the business to be taxed as well. It is also cheaper than incorporating as a C Corp.  If you aren’t required to file as a C corp, this is a good alternative. 

  • LLC

Forming a Limited Liability Corporation results in less liability as well.  It also offers enough separation to serve the purpose of establishing business fundability.  If you are not required to be a C Corp or S Corp, this is the easiest and most cost-effective way to go.

Get an EIN

You need to apply for an EIN.  It acts like your SSN, but for your business.  It allows you to apply for business funding without using your SSN in some cases.  

The process for applying for and EIN is easy.  The IRS has an online form, and as soon as all the information is verified you receive your number.  It typically happens almost immediately. 

You Need a D-U-N-S Number

Dun and Bradstreet (D&B) is the most business credit reporting agency that is most commonly used.  They issue each business on file a 9-digit D-U-N-S number. Application is easy and free. This is essential to building business credit, which is necessary to be application ready.

Separate Contact Information

As already mentioned, your business needs its own phone number.  This way, when you apply for credit, you can enter contact information that is separate from your own.  When information is reported to agencies, sometimes the phone number is an identifying factor. This is just another way for lenders to see your business as a separate, fundable entity.  Some non-traditional lenders and credit cards require you to have a business number listed in the directories as part of the approval process. 

Along with a separate phone number, your business needs it own physical address and email address. 

Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet.

If You Aren’t Online, Are You Even a Business? 

In today’s business world, you absolutely must have a website.  You can’t just throw one together though. A poorly put together website is just as bad as no website, if not worse.  Go ahead and spring for someone who knows what they are doing. It needs to be professional. Pay for hosting too. A free hosting service will not cut it.  Remember your business email needs to have the same URL as the website, so a free email service such as Yahoo or Gmail is no go as well. 

Business Bank Account

Get your business its own bank account.  It will help your business appear fundable when applying for business funding, but it will also help keep personal and business expenses separate for tax purposes.  In addition, some business credit cards and tradelines like to see a certain balance in a dedicated business bank account.

Establish Credit Lines with Vendors

New businesses just getting started should  look for vendors that will extend credit and report to the top credit agencies.  

If you have been around for a while and do not have credit with your existing vendors, ask for it.  If they comply, ask if they currently report to the credit agencies, or if they will. Not all vendors do because it is not required, and not all are willing.  If your current vendors do not want to cooperate in this endeavor, consider switching to vendors that will. 

Talk to the Utility Companies

Sometimes utility companies are willing to report payments to credit agencies, which can help you build business credit for applications as well.  That’s just one more step to appearing fundable. When the time comes to apply for business funding, you’ll be ready.

B is for the Best Options for Your Business Funding

There are so many options for business funding available it can be completely overwhelming to determine which ones are best for your business.  The best one may even change from circumstance to circumstance. Variables such as why you need the funds and your businesses’ ability to qualify for funds all make a difference. Here is a quick rundown of what is out there. 

Traditional Loans

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

biz money Credit Suite2

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

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

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

Of all of the available business funding options, this is the hardest to get. It is usually worth the trouble though if possible, because it often has the best rates and terms. 

Non-Traditional Lenders

These are private lenders. Usually they operate online.   The difference between these and traditional lenders is that the loans have looser approval requirement and a much faster application process. Most often you can simply apply online.  Most offer approval in as little as 24 hours, and the funds are in your account within 24 to 48 hours after that. 

These are an option if your personal credit isn’t terrible and you need funding fast. 

Lines of Credit

Lines of credit are basically the traditional lender’s version of a business credit card. It’s revolving credit.  That means you only pay back what you use, just like a credit card. Rates are typically much better than a credit card however.  The application and approval process is similar to that of a traditional term loan. 

If you need revolving credit and can qualify for a term loan, this is the best of the available business funding types for you. It is great for bridging cash gaps and covering short term expenses without high credit card interest rates. 

The lack of loyalty points and rewards however, makes some business owners prefer credit cards despite higher interest rates.

Invoice Financing

If you are an established business with accounts receivable, invoice factoring is one of the available business funding types that you have access to. This is where a factoring company advances you funds based on your invoice quality.  When you collect, you pay them a factoring fee. You get cash right away without waiting for your customers to pay the invoices.

This is a good option if you need cash fast, or you do not qualify for other business funding options. The interest rate varies based on the age of the receivables.

Crowdfunding

Crowdfunding is a newer option for finding investors. With crowdfunding, you can literally have a crowd of investors fund your business $5 and $10 at the time. 

There are many crowdfunding sites, but the most popular are Kickstarter and Indiegogo. They are similar, but there are some important differences. The most obvious is the timing of when you actually receive the funds that others invest in your company.

There are other crowdfunding sites out there as well. Different ones work better for certain businesses than others. Do some research. Keep in mind your type of business and the specific business each one appeals too. 

Credit Cards

These get a bad rap, but they can actually be a good option. They are available much more readily, even with a poor credit score.   Lower the credit scores get higher interest rates however, and there are limits on how low they will go with a credit score. 

This is one funding types that most of the general public are eligible for at any given time.  The downside is that they typically have a high interest rate. The upside is that many of them offer rewards in the form of cash or points that can be helpful. 

Grants

There are not a lot of grants for businesses out there.  Typically, they are offered by professional organizations. There are some government grants available also. Competition can be fierce, but they are definitely worth a shot if you think you may qualify. 

Requirements vary from grant to grant.  Most are only awarded to a certain number of recipients.  They are worth looking into if you fall into one of these basic categories. 

  • Minority owned business
  • Businesses run by veterans
  • Businesses in low income areas

 There are also some corporations that offer grants in a contest format that do not require much other than that you meet the corporation’s definition of a small business and win the contest. 

Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet.

C is for Connection

When it comes to business funding, everything it connected.  Sometimes things that you never even think about can affect your ability to get funding.  For example, if you are applying for funding from the same bank that holds your business account, they are going to have access to that account activity.  They will be able to see if your account continually goes into the red. Something like that could throw a red flag. If you habitually bounce checks on your personal account, they may see that too. 

Imagine if you were the recipient of a business grant.  Now imagine you are asking a lender for funding. It is likely they will be able to find out through social media or some other means that you were the recipient of the grant.   They may ask you how you used the funds and what you have to show for it. If you cannot show that you managed grant funds in a profitable way, they are going to be less likely to award you with business funding from their institution. 

Even things such as your business’s online reputation can affect your ability to get funding.  If a lender happens to check the business social media and takes note of bad reviews, that will not be a good thing.

Consider These ABCs before You Need Business Funding

While you may not be sure what the best funding options are for your business until a specific need arises, you can definitely work on being application ready and recognizing potential connections on a continual basis.  Doing so now will likely make getting business funding much less of a hassle when the time comes. 

The post Get Schooled: The ABCs of Business Funding  appeared first on Credit Suite.

New comment by NumeratorComp in "Ask HN: Who is hiring? (November 2019)"

Numerator | Multiple Roles – Engineering Manager, Senior Full Stack Developers, ETL Engineers, Android Developer and more.|FULL-TIME | Chicago, IL, Ottawa, ON (Canada) and San Francisco CA.

Numerator is a marketing intelligence firm that brings together omnichannel marketing, merchandising and sales data to make pursuing new possibilities simple for brand, retail and agency clients.

Our Development team works across our 5 product lines creating exceptional products that allow our customers to get a comprehensive view of their competitive landscape. We put a strong emphasis on creating and improving our codebase to make an impact on the market research industry. If you’re interested in big data and honing new skills with the latest tech stacks, check us out!

We work in a mix of technologies such as Python, Java, JavaScript, Django, MySQL, React and more.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Learn more about our team here – https://www.numerator.com/join-our-team as well as check out our Engineering Blog to learn more about Engineering at Numerator – https://www.numeratorengineering.com/.

We’re hiring for the following roles:

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