Crush This Economy – Spirituality Information

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Increase Website Traffic: 38 Actionable Methods For 10x More Traffic

Increase Website Traffic: 38 Actionable Methods For 10x More Traffic (2019) This blog is written for everyone who has a website that is on the verge of failing, just “doing okay”, or even doing pretty well. If you own a website, or you are in charge of one, and you suspect it could be doing …

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Just Funded… $30,000 Merchant Advance

One of our pain center clients just received a $30,000 advance to finish the build out of their new office.

Congratulations, and we look forward to seeing pictures once the build out is complete!

Click Here to see how much funding you can get for your business.

The post Just Funded… $30,000 Merchant Advance appeared first on ROI Credit Builders.

4 Fabulous Tips for Getting Small Business Loans

The Key to Getting Small Business Loans is to Be Smart and Prepared

It is inevitable in the life of any small business that the topic of small business loans is going to come up.  No one loves debt, but funding is going to be necessary, and loans are the most common way to get that funding.  For many business owners however, it can be overwhelming.  Our 4 fabulous tips for how to getting small business loans may help.

Getting Small Business Loans By Going Shopping

Who doesn’t love a great deal?  If you are shopping for clothing you have several options for where to go.  Whether you hit the thrift store, a high-end boutique, or something in-between will depend on a number of factors.  What type of clothing are you looking for? Where do you need to wear it?  How long does it need to hold up?  How much do you have to spend?

The same is true when shopping around for the best business loans.  Where you go and what you get will depend on your particular business situation.  You have to find the small business loans with the best rates and terms that you actually qualify for.  When you start shopping, be sure to check out all of the following.

Large Banks

These typically offer the loans with the best rates and terms, but they are the hardest to qualify for.  This is because large banks have very little wiggle room.  They want to see strong financials, strong credit scores, and an established business.

Getting Small Business Loans at Community Banks

These are smaller, local institutions.  Their terms and interest rates are usually competitive, and they are sometimes more willing to give a little on credit score if other mitigating factors exists.

Learn business loan secrets with our free, sure-fire guide.

Credit Unions

The first thing about credit unions is, you have to be a member to get a loan with them.  However, they tend to have the best options for rates, if you are a member and meet the requirements.

Online Lenders

If you struggle with finding a small business loan due to credit score or time, online lenders may be your saving grace.  They are fast, and though interest rates are typically higher, they are more flexible with credit scores as a general rule.  Some of our top picks are included below.

 

●        Fundbox

biz lending Credit Suite2

With Fundbox , you get an online lender that offers an automated process that is super-fast. Originally, they only had invoice financing, but now they offer a line of credit service as well. Repayments are automatic on a weekly basis, so be sure you have enough funds in your account  to cover your payment each week.

Loan amounts come as low as $100 and as high as up to $100,000. There are no revenue or time in business requirements, but your accounting or invoice software must be compatible and must be in use for at least 3 months. There is also no specific credit score requirement. You simply have to be an established business with regular monthly revenue.

 

●        OnDeck

Obtaining financing from OnDeck is quick and easy. First, you apply online.  You will receive the decision once application processing is complete. If you get approval, your loan funds will go directly to your bank account. The minimum loan amount is $5,000 and the maximum is $500,000.

They do require a personal credit score of 500 or more, and you must be in business for at least one year. Annual revenue must be at or exceed $100,000. In addition, there can be no bankruptcy on file in the past 2 years and no unresolved liens or judgements.

●        Kabbage

Kabbage is a well known competitor in the world of online lenders. They offer a small business line of credit that can help accomplish your business goals quickly. The minimum loan amount is $500 and the maximum is $250,000. They require at least one year in business and $50,000 or more in annual revenue, or $4,200 or more in monthly revenue, over the last 3 months.

They are great if you need cash quickly. Also, their non-traditional approach puts less weight on your credit score, so they may work better for borrowers struggling in that area.

Types of Small Business Loans

Remember you will also have choices when it comes to the type of small business loan you choose.  As you are shopping around, consider that some lenders work with the Small Business Administration.  If you qualify, an SBA program may be just what you need.  Find out more about those programs here.

There will also be options for secured and unsecured loans. If you have collateral, a secured loan will usually have better rates and terms.

Nail the Business Plan for Getting Small Business Loans

Any traditional lender is going to need to see a business plan as part of the loan application process.  Honestly, it is best to hire a professional business plan writer if possible. A professional business plan writer can work with you to gather all the necessary information and compile it into the traditional, acceptable format.

Learn business loan secrets with our free, sure-fire guide.

If you cannot hire a business plan writer however, there are a number of options that can help you. The Small Business Administration offers a template, and your local small business development center can help as well.

For a business plan to be taken seriously by a lender, it needs to include the following:

Opening

  • An Executive Summary– This is a complete summary of the business idea.
  • Description– The description goes into further detail than the summary, describing the business. What type of business is it? What product or service will it offer? This is where you work to get others excited about your business. Note that this is important even if your business is already operating, you just need to write in present, rather than future tense.
  • Strategies-Layout your plan for getting started. Do you have a marketing plan, area in mind for location, or idea of how many employees you will start with? What is your ramp up plan? Again, already operating businesses will state the current operating strategy.

Market Research

  • Market Analysis– This actually includes two parts. All that market research you did goes here:

o Analysis of audience: What need will or does your business fill, and for who? Are you a child care facility filling a need for affordable child care for working moms? Are you a diner offering a quick lunch option for those working downtown? How will your business fill the need? All of that information goes in this section.

o Competitive Analysis: Is there already a business working to fill this need? Is there room for more? How do you plan to compete with them?

If you are not a new business, this will be a market analysis that supports your need for funding, as well as how you plan to use the funds.

The Plan

  • Plan for Design and Development: How is all of this going to play out, from start to finish? What steps are you going to take? This is more detailed than your strategies section.
  • Plan for Operation and Management– Who will own or does own the business and who will run or currently runs it from day to day. This could be as simple as stating that you are the sole owner and operator, or as complicated as laying out a complete partnership plan or board or directors’ format. It just depends on how your business works.

Financials

  • Financial Information– This section includes current financials, projections, and a budget plan for the loan funds you are applying for. Lenders need to see that you know how to handle the funds you get, and that you have a plan for paying them back.

Hunt and Gather

When you apply for small business loans, there is certain information that is pretty much necessary regardless of the type of loan or lender.  This information is required in addition to a business plan.   For example, you will need:

  • Insurance documents
  • Business licenses
  • Personal income tax returns, usually for the previous 3 years
  • Other personal financial information not included on the tax returns.

Go ahead and hunt these down, put hands on them, and be prepared with copies to present to lenders if they ask for them.  They almost certainly will.

It Takes Two Baby

Large, traditional lenders are going to expect a good personal credit score.  This is true despite the fact that you may have business credit.  Smaller lenders, and especially online lenders, may be more willing to give a little on the personal credit score if your business credit is solid.  They may also be willing to take into consideration things such as annual revenue and length of time in business if credit isn’t as good as they normally like to see.

What this means for you, is that when you go to get small business loans, you need to be sure your personal credit and your business credit are both as strong as possible.  It takes two.

What to Do If your Personal Credit isn’t So Great

If your personal credit score isn’t so hot, there are a few things you can do to beef it up.  The first, of course, is to make your payments consistently only time.  In addition, consider how much of your credit you are using versus what you have available to use.  This is your debt-to-credit ratio, and it affects your credit score negatively if it is too high.  You can lower it by opening new accounts, but that also lowers your average age of accounts, which will have a negative effect on your score as well.  So, you will need to do some research to see if the benefit will outweigh the cost of opening a new account to decrease your debt-to-credit ratio.

It is also important to get a free copy of your personal credit report each year and look for mistakes.  If you find something that should not be there, report it to the credit reporting agency in writing.  You will need to send in supporting documents also, but be sure to send copies and not originals.

Learn business loan secrets with our free, sure-fire guide.

What about Business Credit?

Business credit can help you with getting small business loans if it is strong enough.  Many lenders will still want to see your personal credit score, but if it isn’t quite up to par, solid business credit can make all the difference. Some non-traditional lenders will even accept business credit in lieu of personal credit.

How do you get business credit?  You have to build it, intentionally.  It doesn’t just happen on its own like personal credit does.  If you do not intentionally establish and build separate business credit, then all of your business transactions are simply reported on your personal credit report.

You must establish your business as an entity separate from yourself and start from ground zero to build a business credit report.  It takes a while, so if you haven’t done so yet, now is the time.  The first step is to visit irs.gov and formally incorporate your business.  You will also need an EIN, which is like an SSN but for your business.  This can be done for free on the IRS website as well.  Find out more about how to establish and build business credit here.

Getting Small Business Loans: Be Smart and Be Prepared

The key to finding small business loans is to be smart and be prepared.  Don’t just take the first offer you find. Look around and find the best rates and terms possible.  Check out different types of lenders and various loan options.  Then, get your business plan and other information together so that the process runs as smoothly as possible.

Remember than some lenders and loan programs may have additional requirements.  This list of how to get small business loans doesn’t include all the various hoops some lenders may have you jump through.  It will, however, give you a great start to finding the funding you need to help your business grow.

The post 4 Fabulous Tips for Getting Small Business Loans appeared first on Credit Suite.

Manage Military Marketing and More –10 Brilliant Business Tips of the Week

Military marketing? We’re looking at lessons in marketing success from the military – more on that later. But first….

The Hottest and Most Brilliant Business Tips for YOU – Military Marketing Matters and More

Our research ninjas at Credit Suite smuggled out ten amazing business tips for you! Be fierce and score in business with the best tips around the web. You can use them today and see fast results. You can take that to the bank – these are foolproof!

Stop making stupid decisions and start powering up your business. Demolish your business nightmares and start celebrating as your business fulfills its promise.

And these brilliant business tips are all here for free! So settle in and scoop up these tantalizing goodies before your competition does!

#10. Military Marketing Means a Successful Campaign is a Must

Our first jaw-dropping tip is all about finding the money for your first marketing campaign. The Self Employed says it’s a lot like finding the bucks for anything when you’ve got a new business.

So, you’re going to have to be creative.

Crowdfunding

Their first idea is one of our pet favorites – running a crowdfunding campaign. Crowdfunding is   a perfectly legitimate way of getting money for your business. So why not crowdfund to pay for your first advertising campaign?

However, as the article points out, this is going to be nigh well impossible to do if you don’t have at least something of an audience already. Hence, you probably don’t want to be doing this if it’s happening before you get prospects and customers.

Don’t put the cart before the horse.

Subletting For the Win!Marketing ideas from the Armed Forces Credit Suite

What?

Now, keep in mind, this is only going to be an option if you have your own space. If you don’t (or, say, you’re using a virtual office space), it is probably not going to be on the table.

But if you’ve got your own space, then read on.

Consider this. If you live in a semi-remote area and there isn’t that much of a startup scene, it is possible there are few options for entrepreneurs who don’t have their own office space. Why not provide some as a sublet to your own space?

Your extra desk could make a difference for another entrepreneur, and help your community, to boot. Pretty cool for a bit of furniture you’re not using, anyway.

#9. Get on the Groupon Train

The next awesome tip is about setting up Groupon offers for your small business. Score notes Groupon is a better venue for raising awareness than turning a profit.

But why?

Don’t Look for a Profit Here

It’s due to Groupon’s requirements. After all, they demand you offer a substantial discount, as in 50 – 90% off. And then they take a cut (the listing itself is free).  So if you sell something for $100 (a good or a service; it doesn’t matter), and you offer 90% off, Groupon will take a cut as their marketing fee. This fee will depend on industry and customer demand, plus the market. Let’s say that’s 10% (this is a figure for-instance and isn’t based on anything in particular).

For your $100 good or service, you’re now getting $9. That is, you lopped off 90% as your discount, which brings us to $10. And then with Groupon taking a 10% marketing fee, that’s another $1 off (10% of $10).

Ouch.

Still, if you’ve got to get stuff out of a warehouse, and need it to move fast and hopefully get at least something for it, then this could be a way to go. Plus, there’s no law that says your discount has to be so steep. You can go with the minimum of 50% off, which would put your take at $45 ($50 is 50% of $100, and then Groupon in this example is taking another 10% off the top, or $5).

Rather, Look for Awareness to Grow

A far better use of Groupon is to up the awareness of your product or service. Perhaps the best bit of advice in the entire article is to use Groupon not only for this purpose, but also to plug underutilized services or get rid of excess inventory.

So, if you go into working with Groupon this way, it can be a win-win. After all, it’s advertising (in a way), which you’re being paid for (in a way). And if you can unload some white elephants at the same time, then so much the better.

Military Marketing Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Get lessons from the people in uniform with military marketing and more.

#8. Put LinkedIn to Work for Your Business

Our following life-changing tip concerns improving your LinkedIn lead generation. Wordstream lays it all out for us. The article is comprehensive, and we highly recommend reading it in its entirety.

Our favorite tip was to differentiate between quantity and quality when it comes to generated leads. What do we mean by that?

True story time.

Surveys, AKA What Kind of Potato Are You?

When was the last time you filled out an online form for, well, anything? I recently decided my time is worth far more than a trinket, and so are my personal details. As a result, unless the offer is a great one which I will use ($100 Amazon gift certificate? Yes, please!), I will pass it by unless I have some other reason for filling out a form. say, I might want to know more about a product.

But I also take note of exactly what a business wants out of me. As in, what does my marital status have to do with the type of clothes I might want to shop for? If it’s just to decide on a title for me, then why not add that as a form in an address field and keep out the specifics? After all, a woman who’s married, divorced, or widowed might want to be called Mrs. A woman of any marital status might want to be called Ms. (I do).

And if you’re a doctor, then all of that is out in deference to Dr.

I also pay attention to the number of questions. At a certain point, usually when the ten-question threshold is passed, I bail. Sorry businesses! But I often have better uses for my time.

But What Does This Have to Do With Leads?

A lot! The more questions you get answered, the more qualified your prospect is going to be. The fewer, then the less qualified. But with fewer questions, you’ll get more responses.

Hence, you need to make a decision. Do you want far fewer prospects but they’re all pretty warm, or a ton of chilly not so well-qualified prospects? There are virtues to both approaches. Choose the one which works best for your business.

#7. Oh, Won’t You Please Stay?

For our next sensational tip, we looked at creating reasons for customers to stay. LinkedIn says that retaining customers is vital for continued business success. And truer words were never spoken.

But, how do you do it?

Listen!

We really hope it’s a no-brainer to most to know that you need to keep your finger on the pulses of your customers. That is, conduct a relationship health check, if you will. Work with your customers and don’t just disappear until it’s time to renew.

After all, their circumstances may have changed since the initial sale. And we certainly hope so, and that it’s due to using your product or service. Because nothing stands still, it’s imperative to figure out if what you first offered is still going to be helpful.

Maybe they need more, because they’ve expanded. Or maybe they’ve had a not so good time of it and need to cut back, but still want to do business with you.

Either way, you’ll never know unless you ask, and listen to their responses.

Stay in Touch

This goes hand in hand with the first. If you bug out the moment that the sale is finalized, why should your customers trust you to be around when they have questions or need some sort of service?

Your mission in sales doesn’t end the moment the check is cashed and clears. Much like military marketing, you need to hang around afterwards.

Make Life Easy for ‘Em

And this third tip should be at the top of your mind, no matter what. Is your phone number hard to find, and it’s the only way to get service? Then change that, yesterday. That can take the form of adding online support or another phone line or changing your website design to make the phone number more prominent.

And if your customers can’t figure out how to renew in a short amount of time (as in, often, a minute or less!), then they’ll go to your competition, if it’s easier to renew there.

In these days of responsive web design, there’s no excuse for making such things obscure.

Pro tip: make sure you website works for phones. No matter what, the vast majority of Americans have cell phones, and the vast majority of those are smart phones.

If your website isn’t optimized for mobile, then you’re losing money.

There’s no clearer way to say that.

#6. Start a New Business Effectively

This tip is so cool, and it works! Noobpreneur tells us all about starting a new business effectively.

We liked this sensible, practical guide to starting a new business, and succeeding.

However, we felt it glossed over one area which we kinda know a few things about – getting funding. So there’s a bit that’s incomplete there.

However, the remainder was good advice. In particular, it makes a great deal of sense to not quit your day job until you’re sure your brand-new baby business is making money.

#5. Try Taking Your Advertising and Communications Cues from Military Marketing

Grab this mind-blowing tip while it’s hot!

Military marketing is something we’ve probably all seen a lot of. And we can take some lessons from it.

Perhaps our favorite tip had to do with thinking offense all the time. That is, continually acting. This makes a great deal of sense, as passivity can, at times, lead to things just happening to you. The concept was also to eliminate or at least minimize indecisiveness.

However, we do have to say that we like the idea of analyzing decisions. Of course the idea in the article is to eliminate the dreaded analysis paralysis. But we still think you should at least think about what you’re doing.

That is, charge up and take that hill! Just, know which hill.

Military Marketing and Leading from the Front

What do they mean by this? Essentially, the idea is to have vision and courage. We like this idea, although there’s a lot to be said for employee input. And that is one thing which the military really doesn’t do much of – get feedback from the lower levels in the command food chain.

So, we encourage courage (that’s hard to say) but, at the same time, there are some bits of military marketing which we should probably all take with a grain of salt.

Startup Professionals says these lessons from the folks in uniform can give you a

Military Marketing Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Get lessons from the people in uniform with military marketing and more.

#4. Freshen Up Facebook and More

Check out this spectacular tip, all about revamping your company’s social media profiles. Fundera notes that social media profiles can sometimes get stale over time.

So, how do you fix that?

We really loved their idea of using a mascot. Now, this idea cannot work with every single company out there. But for those where it can, it can be a fun and entertaining way to keep your audience engaged.

Consider Swatch, the mascot for Mood Fabrics who is also an unofficial Project Runway mascot. This cute dog’s picture is in just about everything. He makes everything more accessible.

Think about your mascot a bit like colleges do. And in the interests of full disclosure, your intrepid blog writer is a graduate of Boston University and our mascot is the Boston Terrier. Which is what made the connection that much more obvious.

If your brand can do with a mascot, then have at it. And, by the way, your mascot can be someone’s child or a stuffed animal.

Listen to This

Another fantastic idea was to publish playlists. These can be fun and utterly unrelated to your business. Or maybe they can more subtly be related to it.

Do your employees have get up and go songs which get the blood pumping? Those are great! Or maybe a little mood music? If you’ve got a long haul trucking company, there are any number of songs about places and driving. And don’t forget Route 66!

Even marches are probably okay (talk about your military marketing!), assuming your clientele would find them interesting and pleasant.

Just make sure the songs are G rated. The last thing you want is to accidentally insult your customers.

#3. Influencers All Have to Start Somewhere

It’s not your imagination: this winning tip can help beginner influencers. Young Upstarts tells us there are ways which embryonic influencers can become more seasoned.

While this article is written more for the influencers themselves, there are bits of information which are useful for you, the entrepreneur.

Our favorite tip was to use an influencer matching site.

We had no idea such things existed!

Did you? We don’t want to feel left out.

Back to the topic at hand, these influencer sites (in this, as in all things, Google is your friend) are a way for influencers to connect with brands.

Keep in mind, the more seasoned influencers with larger followings are probably not going to feel the need to use such services. But that’s okay. This can be a way to link up with an influencer with fewer followers. It should cost less than working with a big wheel influencer.

And who knows? Maybe your brand and your influencer will grow together.

#2. Multitasking Just Might Not Be the Best Idea After All

Our second to last unbeatable tip can give you a new perspective on quitting multitasking and focusing better. Addicted 2 Success reveals all about how to keep your focus from splitting.

Breaks, Breaks, and More Breaks

We loved this idea, and it’s probably not surprising. When you fail to take frequent breaks, your mind wanders. And, inevitably, you end up checking Facebook or Twitter briefly, or text someone, etc. A few minutes here and there, and it’ll all add up.

So why not schedule those times, rather than let them take little nibbles out of your day and your focus? Interval working also makes sense simply because it’s not possible for us to go, go, go all day long. We need breaks anyway!

Swallow That Live Frog First Thing

The other tip we really liked was to do the hard stuff first. Take advantage of being fresher and give yourself the advantage of being done with the hard stuff when you’re getting tired.

Our corollary tip is to do the most unpleasant tasks early, too. That way, the fun stuff will be a reward.

#1. Throw Some Ice On That Burnout

We saved the best for last. For our favorite remarkable tip, we focused on helping employees avoid burnout. Effortless HR says we, as a culture, don’t value rest time like we should. Unfortunately, we’ve noticed that as well.

A corollary to this is a personal observation – not being treated like a person at the office. Employees can sometimes be treated like just so many cogs in a wheel. And when we treat people that way, it should be no great shock when they start to feel that way.

So, what can you do?

Goals and Credit

There were two tips which go hand in hand. One was to set achievable and realistic goals; the other was to recognize when those goals have been met.

These are key. Long before Credit Suite, your intrepid blog writer worked at places where goal-setting was another box ticked off by management. Goals had little to do with reality. These included going on more trips – yet cutting the budget.

Er, that’s not how the universe works.

Plus recognition, boy howdy, recognition! Money is nice (it’s always appropriate), but it can be spent. Recognition can bring with it promotions and recommendations. And those tend to last longer.

In short, treat your employees like flesh and blood humans.

What a concept.

So which one of our brilliant business tips was your favorite? And which one will you be implementing now?

Military Marketing Credit Suite

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Get lessons from the people in uniform with military marketing and more.

The post Manage Military Marketing and More –10 Brilliant Business Tips of the Week appeared first on Credit Suite.

Overtime – Episode #467: Shrinking GOP, Stormy Setup, Trump Challengers

Bill and his guests – Malcolm Nance, Nancy MacLean, Kristen Soltis Anderson, Charles Blow, and Steve Schmidt answer viewer questions after the show. (Originally aired 08/03/18)

The post Overtime – Episode #467: Shrinking GOP, Stormy Setup, Trump Challengers appeared first on Buy It At A Bargain – Deals And Reviews.

Fuzzbuzz (YC W19) is hiring a Go back end engineer

Article URL: https://angel.co/company/fuzzbuzz/jobs/641952-backend-software-engineer Comments URL: https://news.ycombinator.com/item?id=21219514 Points: 1 # Comments: 0

What is Google Analytics and How it Helps You?

What is Google Analytics and How it Helps You? Hi! I’m sure the majority of you here are website owners. Don’t leave this page yet even though you’re not one. You could be, someday. I will be sharing with all of you a very important tool for businesses and website owners. Did I mention it’s …