Category: Business News

Business News

Exactly How Creative Professionals Can Get More Perfect Clients

Exactly How Creative Professionals Can Get More Perfect Clients

When you collaborate with the “ideal” customer, life is fantastic as well as service is basic. The ideal customer pays on schedule, is delighted with your job, talks of her pals concerning you, and also improvises what you do simple. If you could reproduce the excellent customer, after that company would not be tough?

Allow’s go over just how to find even more excellent customers so you can raise your revenue and also lower your not-so-perfect customer dramatization.

Specify your “excellent” customer. Compose a checklist of particular things that makes (or you believe would certainly make) a customer fantastic. Exactly how much loan does the customer make?

When you have a checklist of standards that make up your ideal customer, discover out what the customer does in his extra time. Does your customer like to delight visitors in her residence? Where does your customer store?

Recognizing what your customer does with his time will certainly assist you understand where to market as well as where to discover even more ideal customers. If your ideal customer is included with a neighborhood charity, you might likewise desire to come to be a component of that company to fulfill various other possible customers.

Ask the customers that currently drop right into the “ideal” classification, for references. My individual preferred method to ask for recommendations is to claim, “You are my best kind of customer to function with as well as I would certainly like to function with even more individuals like you. Provide them a company card or a leaflet or various other item of advertising and marketing product they can pass on to their excellent good friends.

The even more ideal customers you deal with the even more chances you will certainly have and also discover to deal with various other best customers. Bear in mind, if you have customers that have actually been less-than-perfect, they are more probable to refer you to various other less-than-perfect individuals. Do whatever you can to border on your own with excellent ones, as well as your organisation will certainly be remarkable!

When you have a listing of standards that make up your ideal customer, locate out what the customer does in his extra time. Recognizing what your customer does with his time will certainly assist you understand where to market as well as where to discover even more excellent customers. If your excellent customer is included with a regional charity, you might additionally desire to end up being a component of that company to fulfill various other possible customers. My individual favored method to ask for references is to state, “You are my ideal kind of customer to function with and also I would certainly enjoy to function with even more individuals like you. The even more ideal customers you function with the even more possibilities you will certainly have and also locate to function with various other ideal customers.

The post Exactly How Creative Professionals Can Get More Perfect Clients appeared first on ROI Credit Builders.

Are Unicorns Real? The Myth of Start Up Business Loans for Women

The True Story of Start Up Business Loans for Women and More Resources for Female Business Owners

Studies show that forty percent of new entrepreneurs in the United States are women. In addition, the number of businesses owned by women is growing at twice the rate of those owned by men, according to Kauffman. We dive deep into start up business loans for women.

You might think this means that there are more start up business loans for women.  That isn’t the case however.  In fact, according to research done by Fundera, 3 out of 4 female business owners do not even apply for business loans.  Those that do are asking for less money.  About $35,000 less to be exact.

Even more discouraging is this. While about half of all business owners who apply for loans are approved, only 30% of women business owners get approval.  This is from a study that Dun & Bradstreet did with Pepperdine University researchers.

More findings include that:

  • It is more likely that businesses owned by women will report a high credit risk. Studies show 41% of women-owned businesses report a medium to high credit risk. Only 33% of male-owned businesses report the same.
  • Women-owned businesses rely heavily on SBA products and credit cards. This means they are utilizing less equity and fewer types of debt than male owned firms.
  • Business owned by women are more often mismatched with funding sources. This causes them to experience funding gaps persistently, even if they have lower credit risk.

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

Start Up Business Loans for Women: Where Should Women Business Owners Look for Loans?

The truth is, unicorns do not exist. Neither to business loans specifically for women.  Despite the unsavory statistics, women can get regular business loans, and there are ways to increase your chances.

A lot of the variables are outside of the borrower’s control.  However, we can help you find the best places to look and the most likely sources of funding to help ensure your business does not become a statistic.

According to a survey by the Federal Reserve Bank, businesses owned by females are more likely to gain approval for loans at small banks.  In fact, 67% are approved at small banks.  This compares to only 50% at large banks.  Those that have loans with smaller banks also note a higher satisfaction level.

What’s that mean practically?  It’s probably best for women business owners to stick to smaller banks.  There are more ways to increase your chances of success in finding funding however.

Use All Available Resources

These are things that every small business owner should do to increase their chances of loan approval, but female business owners should be especially prudent. There are a host of resources out there geared toward helping women business owners get the funding they need to start and run a successful business.

Small Business Administration

While the SBA exists for all small business owners, their Office of Women’s Business Ownership exists to help women business owners specifically.  According to SBA.gov, “The Office of Women’s Business Ownership’s mission is to enable and empower women entrepreneurs through advocacy, outreach, education and support.”

They work with firms to ensure the best resources are available to women entrepreneurs at all stages.  Whether starting a business, applying for a business loan, improving an already established business, or looking for government contracts, their mission is to support female business owners.  If that’s you, this is definitely a good starting place.

National Women’s Business Council

The NWBC is a federal advisory council.  It serves as a source of advice to the government on women’s business issues. Its mission is to encourage initiatives, programs, and policies to support women in business at all stages.  This includes start up all the way through growth, expansion, and significance.

Other Resources for Female Business Owners

In addition to those agencies listed above, these organizations offer research and support to women owned business in many ways.

According to their website, the AWBC operates a network of women’s business centers that,  “help women succeed in business by providing training, mentoring, business development, and financing opportunities to over 145,000 women entrepreneurs each year.”

The NAWBO offers national events, training opportunities, and other resources for female business owners across the country.

NAFE offers training opportunities, events, and other resources to help women in business succeed.

“SCORE is the nation’s largest network of volunteer, expert business mentors, with more than 10,000 volunteers in 300 chapters.” Get matched with a mentor or take a workshop to help you learn what you need to know to achieve business success.

What Does this Have to Do with Start Up Business Loans for Women?

Here’s the thing.  Since we have established that unicorns and specific start up business loans for women are both myths, we know female business owners will always have to compete with male business owners for loans.  The more support and education you have behind you, the better.

Use these resources for support and education, but also to help you find other sources of funding besides start up business loans for women. There are grant resources available through various local industries and businesses as well as certain corporations and professional organizations.  These agencies can help you find those funding sources.  They can also help you prepare for the application process.

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

How to Get Start Up Business Loans for Women

Now, as for traditional business loans, the best thing to do is be prepared.  Most lenders need to see the following:

  • Business Financial Statements or tax returns for the past 3 years
  • Personal Tax returns for the past 3 years
  • A professional business plan
  • They will run a credit check, and the minimum credit score varies by lender.
  • Other information at the discretion of the lender
  • Always inquire about the application process on the front end so you can have any additional materials prepared.

The more of this you have prepped and ready to go, the faster and smoother the process should run.  This information is what is required of a typical, traditional lender. There are non-traditional lenders that may require more, or less, information.  You would be hard pressed to find a traditional loan that does not require a personal credit check, but there are other options.

Business Credit

If you are looking for start up business loans for women, you must need business funding. There are options for funding that rely on your business credit rather than your personal credit.  What is business credit?  It is exactly like your personal credit, except it is based only on the credit history of your business.  This means that it is not affected by your personal credit history.  Also, your personal history is not affected by anything that is on your business credit.

This is good for many reasons.  First, you can access funding for your business despite a poor credit history. That is an obvious benefit.  What some do not realize is, even if you pay on time, using your personal credit for business transactions can be detrimental.

That is because business transactions are, by nature, large. Personal credit limits are typically much lower than business credit limits.  Because of this, business transactions can max out personal credit quickly.  Consistently carrying balances near your limit negatively affects your debt to credit ratio. That, in turn, lowers your credit score even if you are making consistent on-time payments.

Business Loans for Women Credit Suite2

How to Get Business Credit

Every business needs business credit, even if you intend to apply for traditional loans.  Sometimes lenders will look at business credit along with personal credit if it is available. However, it also opens up doors to other options if the traditional route isn’t going to work for some reason.  If you have good business credit, your business is fundable.

The first step in establishing business credit is to ensure your business is recognizable as an entity separate from you personally.  It has to stand on its own.  This means that you must incorporate rather than operate as a sole proprietorship or partnership.  You can organize as an s-corp. LLC, or full-fledged corporation.  They each have their own benefits and costs, but for the purposes of establishing business credit they function equally.

The Rest of the Business Credit Story

Aside from incorporating, you will need to take a few other steps to lay the foundation for business credit.

  • Obtain a separate business address and phone number. Make sure the phone number is through a toll-free exchange.  List both in the directories under the business name.
  • Get an EIN. This is an identifying number for your business so you do not have to associate it with your Social Security Number. Get one for free at gov.
  • Apply for a DUNS number from Dun & Bradstreet. It’s free on their website, but beware.  They will try to sell you a bunch of stuff you don’t need.  Put on your blinders and power through.  All you need is the number and it is free.
  • Open a dedicated business checking account. Take care to run all business transactions through this account.
  • Set up a professional website and dedicated business email address. The email address should have the same URL as the website and should not be from a free email service.  Gmail and Yahoo will not work here.

What’s Next?

Once you have the foundation for business credit, you can start building.  This is done in layers, or tiers.  For example, the first tier is the vendor credit tier.  This is the starting point because they will extend net 30 terms on invoices without a credit check. Then they will report your payments to the business credit agencies.  This is how you begin to build business credit without involving your personal credit. By applying with your EIN rather than your social security number, you keep your personal name out of the equation altogether.

Who is in the vendor credit tier?  There are dozens of vendors that will work with you in this tier.  Some of the easiest to get started with include Quill, Uline, and Grainger.  They each offer products that pretty much any business can use on a regular basis, so it’s simple to open an account and begin doing business with them.

After you have 5 or so accounts reporting from the vendor credit tier, you can apply for business credit cards from the retail credit tier.  These are store cards from retailers such as Best Buy, Amazon, and Office Depot.

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

Get 10 or more of these reporting and you can apply to cards in the fleet credit tier. Cards from companies like Fuelman and Shell are in this tier.  They can be used for automobile maintenance and gasoline purchases.

After that comes the cash credit tier.  Once you have enough accounts reporting on time payments from these three tiers, you can apply for general business cards from companies like MasterCard, Visa, and American Express.  At this point, your business credit is pretty well established, and it is not attached to your personal credit in any way.

Other Options for Established Businesses

If you have accounts receivable, you can consider invoice factoring. This is a way of selling your open invoices for less than cash value, but you get the cash immediately.  If you have credit card sales, there is the option of a merchant cash advance.  With this option, you receive a cash advance for your average daily credit card sales. Payments are typically deducted from future credit card sales on a daily, weekly, or monthly basis.

While neither of these options are ideal, they are valid and can be exactly the push you need to get your business through a tough spot.

A Final Word About Start Up Business Loans for Women

So that’s it then.  Unicorns do not exist, and neither do specific start up business loans for women.  There are grants that are geared specifically toward women entrepreneurs, but for the most part funding is non-gender specific.  The challenges faced by female business owners can only be mitigated by solid preparation and education.

Having a solid business credit score is essential also.  This will open up a world of funding options that would not be available otherwise.  Business credit cards and products from non-traditional lenders are a valid option if you find yourself facing issues with start up business loans for women. That’s the important thing to remember.   Just because unicorns do not exist doesn’t mean dreams do not come true.  There are plenty of other options, and a white horse is almost a good as a unicorn.  Business credit can be your white horse.

 

 

The post Are Unicorns Real? The Myth of Start Up Business Loans for Women appeared first on Credit Suite.

Mystery.org (YC S17) is hiring Rails developers to help children stay curious

Article URL: https://about.mystery.org/software-eng-growth

Comments URL: https://news.ycombinator.com/item?id=20749256

Points: 1

# Comments: 0

Starcity (YC S16) Is Hiring a Senior React Native Engineer

Article URL: https://starcity.com/posting/?id=1460a7e6-94a2-4575-81b4-a890e5ee67d1

Comments URL: https://news.ycombinator.com/item?id=20754948

Points: 1

# Comments: 0

SEO Doesn’t Have to be a Long-Term Game: There Are Quicker Ways to Get Results

Everyone thinks SEO is a long-term game… that you have to wait months if not years to see results. And, maybe that was the case a few years ago when content was still king.

With Google making 3200 algorithm changes in just one year, their goal isn’t to make a website wait a year or two before they are able to achieve a top spot.

Instead, they want to show the user the right site as quick as possible. It doesn’t matter if the site has been around for 10 years, or 10 days.

How SEO has changed

It used to be that if you want to rank well, you would have to create tons of long-form content and build links.

Or have a really aged domain with history. But as Google has clearly stated, having an older domain or even a new domain won’t affect your rankings.

And sure, those things still matter today. But there are over 200 factors in Google’s algorithm.

In other words, there are other tactics that produce quick results.

For example, a few weeks I wrote a blog post about FAQ schema and how you can see the difference with your Google listing in 30 minutes.

Literally, 30 minutes.

That kind of stuff wasn’t possible before.

And SEO is no longer just a game of ranking on Google. There are tons of popular search engines like YouTube, in which you can get results in 24 hours.

Their algorithm is a bit different than Google’s in which if a video does really well in the first 24 hours of it being released, it will get shown more and rank higher.

In essence, you can take a top spot on YouTube in just days, no matter how competitive the term maybe.

You are full of it Neil?

Look, I’m not trying to say you can rank for “auto insurance” on Google within 24 hours or achieve unrealistic results, but you can drastically grow your search traffic in a reasonable time if you follow the right tactics.

It doesn’t matter if you have a new website or an old one.

So how do you get results faster? What’s the secret?

Well, I have a Master Class that will teach you how to double your traffic, but you’ll have to wait till Thursday.

I’m going to be introducing something new in which you can get more search traffic in 30 days.

All you have to do is take one simple action each day. And the action is so simple that it shouldn’t take you more than 30 minutes.

Stay tuned!

PS: Don’t forget to add the Master Class to your calendar. That way you’ll get notified on Thursday when it comes out.

The post SEO Doesn’t Have to be a Long-Term Game: There Are Quicker Ways to Get Results appeared first on Neil Patel.

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage

Finished repayment home loans (GPM) provide funding remedies for those that anticipate their revenue to climb in the future. A crossbreed of a flexible price home loan as well as fixed-rate home mortgage, a GPM with its set rate of interest begins with reduced settlements that enhance annual based upon the funding’s terms. You could desire to think about the advantages of a finished settlement home mortgage rather if you have actually taken into consideration a passion just home mortgage car loan in the past.

GPM Features

A GPM provides reduced month-to-month repayments by enhancing repayments for the remainder of the financing’s term. At the starting your home mortgage will certainly not entirely cover your rate of interest costs (adversely amortizing), yet bigger repayments will certainly be made in the future to cover both rate of interest as well as principal.

Typically, a GPM’s start settlements will certainly be a number of hundred bucks much less than an equivalent fixed-rate home loan. In later years you can anticipate to pay at the very least a hundred bucks much more in month-to-month repayments than a set price home loan settlement.

Lenders likewise supply numerous various sorts of layaway plan. One of the most usual is to finish settlements yearly for the initial 7 years, after which settlements continue to be the very same. Longer finished durations or a higher price of boost can decrease your preliminary settlements a lot more.

GPM Benefits

A GPM enables a consumer to appreciate reduced month-to-month repayments with the safety and security of a fixed-rate. If just due to rising cost of living, a lot of buyers anticipate their revenue to raise. A GPM capitalizes on this circumstance by boost settlements as your earnings must boost.

A GPM likewise permits you much more getting power based on the reduced month-to-month settlements as well as assumption of enhanced earnings. With preliminary decreased repayments, you can spend for relocating expenditures and also furniture.

GPM Drawbacks

Like with any type of sort of mortgage, you require to consider all the aspects prior to selecting a GPM. Among the threats with a GPM is that you might not have the ability to manage the greater month-to-month home loan repayments, which might endanger your economic circumstance.

If you have to relocate within a pair of years that you might owe on the financing after offering due to unfavorable amortization, you might likewise locate that. Also if you do not owe passion, you will certainly have extremely little equity in the residence till a number of years right into your home mortgage.

Consider your economic objectives with various funding plans to locate the most effective fit.

Finished repayment home loans (GPM) use funding services for those that anticipate their revenue to increase in the future. A crossbreed of a flexible price home loan as well as fixed-rate home mortgage, a GPM with its set rate of interest price begins with reduced repayments that enhance annual based on the finance’s terms. If you have actually taken into consideration a rate of interest just home mortgage finance in the past, you could desire to take into consideration the advantages of a finished repayment home loan rather.

The most typical is to finish settlements yearly for the initial 7 years, after which repayments stay the exact same. A GPM takes benefit of this scenario by boost settlements as your earnings ought to raise.

The post Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage appeared first on ROI Credit Builders.

Recently funded… $10,000.00 in Memphis TN

The post Recently funded… $10,000.00 in Memphis TN appeared first on Business Marketplace Product Reviews.

The post Recently funded… $10,000.00 in Memphis TN appeared first on Buy It At A Bargain – Deals And Reviews.

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage

Finished repayment home loans (GPM) provide funding remedies for those that anticipate their revenue to climb in the future. A crossbreed of a flexible price home loan as well as fixed-rate home mortgage, a GPM with its set rate of interest begins with reduced settlements that enhance annual based upon the funding’s terms. You could desire to think about the advantages of a finished settlement home mortgage rather if you have actually taken into consideration a passion just home mortgage car loan in the past.

GPM Features

A GPM provides reduced month-to-month repayments by enhancing repayments for the remainder of the financing’s term. At the starting your home mortgage will certainly not entirely cover your rate of interest costs (adversely amortizing), yet bigger repayments will certainly be made in the future to cover both rate of interest as well as principal.

Typically, a GPM’s start settlements will certainly be a number of hundred bucks much less than an equivalent fixed-rate home loan. In later years you can anticipate to pay at the very least a hundred bucks much more in month-to-month repayments than a set price home loan settlement.

Lenders likewise supply numerous various sorts of layaway plan. One of the most usual is to finish settlements yearly for the initial 7 years, after which settlements continue to be the very same. Longer finished durations or a higher price of boost can decrease your preliminary settlements a lot more.

GPM Benefits

A GPM enables a consumer to appreciate reduced month-to-month repayments with the safety and security of a fixed-rate. If just due to rising cost of living, a lot of buyers anticipate their revenue to raise. A GPM capitalizes on this circumstance by boost settlements as your earnings must boost.

A GPM likewise permits you much more getting power based on the reduced month-to-month settlements as well as assumption of enhanced earnings. With preliminary decreased repayments, you can spend for relocating expenditures and also furniture.

GPM Drawbacks

Like with any type of sort of mortgage, you require to consider all the aspects prior to selecting a GPM. Among the threats with a GPM is that you might not have the ability to manage the greater month-to-month home loan repayments, which might endanger your economic circumstance.

If you have to relocate within a pair of years that you might owe on the financing after offering due to unfavorable amortization, you might likewise locate that. Also if you do not owe passion, you will certainly have extremely little equity in the residence till a number of years right into your home mortgage.

Consider your economic objectives with various funding plans to locate the most effective fit.

Finished repayment home loans (GPM) use funding services for those that anticipate their revenue to increase in the future. A crossbreed of a flexible price home loan as well as fixed-rate home mortgage, a GPM with its set rate of interest price begins with reduced repayments that enhance annual based on the finance’s terms. If you have actually taken into consideration a rate of interest just home mortgage finance in the past, you could desire to take into consideration the advantages of a finished repayment home loan rather.

The most typical is to finish settlements yearly for the initial 7 years, after which repayments stay the exact same. A GPM takes benefit of this scenario by boost settlements as your earnings ought to raise.

The post Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage appeared first on ROI Credit Builders.

The post Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage appeared first on Business Marketplace Product Reviews.

The post Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage appeared first on Buy It At A Bargain – Deals And Reviews.

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage

Passion Only Mortgage? Take Into Consideration A Graduated Payment Mortgage Finished repayment home loans (GPM) provide funding remedies for those that anticipate their revenue to climb in the future. A crossbreed of a flexible price home loan as well as fixed-rate home mortgage, a GPM with its set rate of interest begins with reduced settlements …

Get Business Credit Cards with EIN Only

The Absolute Best Business Credit Cards with EIN Only

We checked out a number of business credit cards with EIN only, and did the research for you. So here are our top picks.

Per the SBA, small business credit card limits are a whopping 10 – 100 times that of personal credit cards!

This reveals 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 stores for your company.

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

Business Credit Cards with EIN Only: Benefits

Benefits vary. So, make sure to choose the benefit you would prefer from this array of alternatives.

Business Credit Cards with EIN Only for Credit Building

Discover it® Student Cash Back

Make sure to take a look at the Discover it® Student Cash Back card. It has no annual fee. The card also offers 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 offers an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit each year for up to five years.

Details

Use this credit card to build personal credit. While this is a personal credit card versus a business card, for new credit users, their FICO scores will be important. And this credit 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 credit card offers unlimited 1% cash back on all purchases.

In the initial 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

Business Credit Cards with EIN Only for Average Credit

Capital One® Spark® Classic for Business

For average 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 REMEMBER: 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/

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

Ironclad Secured Business Credit Cards with EIN Only

Wells Fargo Business Secured Credit Card

Check out the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per 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 establish or rebuild their credit.

Pick this credit card if you want 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. 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 card for balance transfers.

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

Business Credit Cards with EIN Only – 0% APR – Pay Absolutely Nothing!

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 annual fee and comes with a 0% introductory APR on purchases for the initial nine months. Thereafter, the card has a 13.24 – 23.24% variable APR

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

Details

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

They also get trip cancellation coverage, trip delay reimbursement and other benefits.

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

Have a look at the JetBlue Plus Card for one more offer of a 0% introductory APR

Get six points/dollar on JetBlue purchases, two points/dollar at dining establishments 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 get 40,000 bonus points. New cardholders receive a 12 month, 0% introductory APR on balance transfers made in 45 days of account opening.

Thereafter, 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/

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, get 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases.

So, this includes retailers and subscription services such as Uber and Netflix. And get 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 within the app.

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

Details

If you pay your cellphone 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 expects most of these offers to 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, accrue at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given 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 need to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

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

Note: the $0 yearly 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

EIN Business Credit Cards Credit Suite

Ink Business Cash℠ Credit Card

Look at the Ink Business Cash ℠ Credit Card. Companies can get cash back with each purchase. Spend $3,000 in the initial three months from account opening. And you’ll earn a $500 bonus cash back.

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

The 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 credit 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, gas stations and office supply stores. All other purchases get 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.

Plus, 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 choice is the Starwood Preferred Guest Business Credit Card from American Express.

This credit 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 American restaurants, US filling stations, and on US purchases for shipping.

Also, earn 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

Get 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 most significant issue is the yearly 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

Business Credit Cards with EIN Only for Low APR/Balance Transfers

Discover it® Cash Back

Check out 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 every quarter. So, these are places 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 earn an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your first year, automatically.

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

Business Credit Cards with EIN Only for Cash Back

SimplyCash Plus Business Credit Card from American Express

Look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual 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 credit card has numerous 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, earn 5% cash back at US office supply stores and on wireless phone services. So, these must be purchased from US service providers. But this pertains to the initial $50,000 of yearly spending. Then, you earn 1% cash back.

You also earn 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 yearly spending. Then, you get 1% cash back.

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

Note: you cannot use this credit 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 kicks in 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

Take a look at 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 yearly fee.

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

A cash bonus of $150 is on offer for those who make at the very least $500 in purchases within 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 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 with EIN Only for Luxurious Travel Points

Capital One® Spark® Miles for Business

Be sure to check out the Capital One® Spark® Miles for Business card. With this card, you can get 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/

The Business Platinum® Card from American Express OPEN

Check out the Business Platinum® Card from American Express OPEN if you’re comfortable with an exorbitant yearly fee. This card gets 5 points per dollar on flights and prepaid hotels booked on the American Express Travel website.

It also earns 2 points per dollar on travel purchases booked on the American Express Travel website.

Furthermore, it earns 1.5 points per dollar on purchases of $5,000 or more. So, this is with up to one million additional points per calendar year. All other eligible purchases get one point per dollar.

Details

With this card’s welcome offer, you can earn 50,000 bonus points when you spend $10,000. And get another 25,000 points when you spend an additional $10,000 in that same period.

Cardholder benefits include global lounge access and a $200 airline fee credit. And you get a fee credit for Global Entry or TSA Precheck.

Benefits also include complimentary Wi-Fi hotspot internet access, privileges including early check-in and daily breakfast at participating hotels and resorts. Plus, the card offers travel accident insurance and roadside assistance.

This card does not offer bonus point earnings in other categories like gas, office supplies or advertising. Additionally, all of these benefits do not come cheap. Note: the card has an annual fee of $450!

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex

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

Chase Sapphire Reserve®

For travel points, take a look at the Chase Sapphire Reserve® credit card. You can earn 3 points/dollar on travel and dining at restaurants and 1 point/dollar on other purchases.

Spend $4,000 in the first 3 months, and you will get 50,000 bonus points. This card provides a $300 annual travel credit. And you get airport lounge access, perks at luxury hotels and resorts including upgrades.

It also offers a fee credit for Global Entry or TSA Precheck, early check-in and late checkout. And it provides trip cancellation and interruption insurance, an auto rental collision damage waiver.

Details

Plus lost luggage reimbursement, trip delay reimbursement, and purchase protection. Finally, it also has return protection and extended warranty protection.

This credit card also offers cardholders a 25% higher points value when redeemed for travel through Chase Ultimate Rewards. With this card, points are worth 50% more when redeemed for travel through Chase Ultimate Rewards.

The biggest issues are the yearly fee of $450 and $75 for every authorized user. Another factor to consider should be that the card has a 17.99 – 24.99% variable APR.

So, consider this one carefully and be sure to read the fine print.

Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel

IHG ® Rewards Club Premier Credit Card

Have a look at the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For every dollar spent at participating IHG hotels, earn 10 points. Get two points per dollar spent at gas stations, grocery stores and restaurants.

Plus 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 offers a free one-night hotel stay each year. Plus there is a wide array 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 have a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the yearly fee is $89.

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

Marriott Rewards® Premier Plus Credit Card

This 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 every year 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.

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

Business Credit Cards with EIN Only for Jackpot Rewards

Chase Sapphire Preferred® Card

Take a look at the Chase Sapphire Preferred® Card for travel points.

You can earn two points to the dollar spent on travel and dining at restaurants. And you can earn one point per dollar on all other purchases. Points can be traded in for cash back, gift cards, or travel.

The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.

When you spend $4,000 in the initial 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

You can get an unlimited two points per dollar for travel and dining at restaurants. And after that earn one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So these include British Airways, Southwest Airlines, United, and Marriott.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.

Get it here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred

Ink Business Preferred ℠ Credit Card

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 first 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

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

Hilton Honors American Express Ascend Card

Take a look at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Earn up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.

Automatically get Hilton Honors Gold status. And this includes room upgrades when available. Also, get a 5th night free when you book a rewards stay of 5 nights or more.

And get free internet access and late checkout. It also includes a 25% bonus on base points earned with Hilton Honors.

This credit card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.

Details

Cardholders can get a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Earn a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.

Benefits include purchase protection. And there is extended warranty coverage. They also include car rental loss and damage insurance and travel accident insurance.

If you spend $40,000 on eligible purchases with the card within a calendar year, you can earn Hilton Honors Diamond status. So this is through the end of the next calendar year. This status includes all of the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors. And get exclusive floor lounge access at select properties. But that is extremely high spending required for elite status. Only you can decide if that’s worth it.

Get it here: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-ascend/

The Perfect Business Credit Cards with EIN Only for You

So your absolute best business credit cards 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 catastrophic for other people.

And, as always, make certain to build credit in the recommended order for the best, fastest benefits.

 

 

 

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