How to Create a Free Google Website For Your Business

A web presence is essential for getting found online, especially these days. According to Statista.com, nearly a third of consumers in the United States look online for a local business every day. It’s simple: websites are essential for attracting new customers.

A website proves invaluable in other ways, too, like showcasing your products and increasing leads. However, your website doesn’t need to cost a fortune and include the latest features. If you’re a small business that just wants to let customers know who you are and what you do, a free Google website may be just what you’re looking for.

What is Google’s Free Website Builder?

Google’s free website builder is part of Google My Business and helps customers discover you online.

When creating your website, Google takes the information in your GMB business profile and uses it for the building blocks of your website. Aside from some customization, you’re pretty much good to go from there.

Although there’s no cost, free Google websites are professional-looking and offer a selection of contemporary themes.

Google’s website builder is suitable for everyone, even for beginners. There’s no need for technical expertise with a free Google website and no worries regarding extensive backups.

Additional benefits with a free Google website are:

You don’t need to rely on social media: Not every potential customer is on social media, and many may not be on the platforms you like best. Having a website of your own, where people can Google your name or what you sell and find your information without signing in to Facebook or Twitter, can bring in those customers.
Ease of use: One of the main benefits of a free Google website is its simplicity, and it delivers great-looking websites. For instance, even the free version of WordPress can seem overwhelming for the absolute beginner, with menus, pages, sub-menus, etc.
It provides the essentials: If you’re not looking for the whole e-commerce experience, then a free Google website is all you need for reaching out to a broader audience.

Here are some more reasons why you should use a free Google website for getting online.

Why Should You Build a Website Using Google’s Free Tool?

Only 64 percent of small businesses have websites. Meanwhile, 70 percent of potential customers are more likely to buy from a business with a website.

This means 36 percent of businesses may be missing out on 70 percent of buyers.

Websites make businesses seem more legitimate, particularly if the website looks professional. Google websites, which take almost no time to set up and require minimal maintenance, can look like you spent hours of time and thousands of dollars to make it look great.

If Google’s free website gets you found, why not take advantage of its ease of setup and free features?

Google Website Builder Features

The number one thing that sets Google’s business websites apart from others is that it automatically makes the site for you. You can alter things as you need, but if you have a Google My Business account and select the website option, it automatically populates the information on a site for you using a template you choose.

Don’t let its simplicity fool you. A Google My Business free website offers you plenty in the way of features.

For instance, it provides you with built-in optimization so customers can:

contact or message you
place orders
get quotes for services
book your services or arrange deliveries

Additionally, a free Google website allows you to “showcase what makes your business special” via:

images
stories
posts

Other features worth mentioning are:

integration with Google Maps and Calendar
image carousel and video links
connection with Google Drive

Besides the above, Google gives you automatic updates, advertising, and it’s mobile-friendly too.

As you can see, a free Google website offers a lot to the new business owner, but how does it compare with others?

Google Website Builder Versus WordPress and Other Similar Tools

The Google website builder one-page format beats many other options in the simplicity stakes.

Additionally, it creates a website with almost no effort on your side, which is where Google’s product stands out from similar tools. It also lets you import images with a few clicks, and you can track analytics, so all in all, it offers you the essentials.

The other main advantage over its rivals is you’re not starting from scratch, and you aren’t making all the decisions yourself.

Although it may seem basic to some, Google gives you a functional, great-looking website, and with some imagination, it delivers impressive results.

For inspiration, look at what Steel Mailbox did with theirs. This Google business website starts with the basics that could be pulled in from their business information (e.g., the directions function).

Free Google Website - Steel Mailbox example

If you click the “hamburger” in the upper left, you see options the company chose to add, which jump you to different page areas. One cool feature they added was a list of mailbox types with brief definitions of each one. This allows people shopping for mailboxes to understand what type they need without having to dig through Steel Mailbox’s non-Google site.

Free Google website - Steel Mailbox links to main site

If a customer clicked on one of those blue links, they would be taken directly to the type of mailbox they’re looking for. If they went through the main site—and you can have both a simple Google business site and a more in-depth one—they would likely have to do more digging to find precisely what they need.

What a great feature for customers on the go.

When it comes to this type of website, perhaps its weakest area is ongoing SEO optimization, but you can use a free or paid-for tool to find keywords and include them in your descriptions and posts.

WordPress

While bloggers, Fortune 500 companies, and small businesses use WordPress to build their websites, it’s actually a content management system.

You’ve two options for getting started. WordPress.com gives you the free version, while WordPress.org offers a paid one.

At the free level, the most significant difference between Google and WordPress is that you can create multiple pages within your site, while Google has a one-page format.

Free Google website - competitor WordPress price levels

When you get to the paid levels, you can add additional functions.

While WordPress offers many more functions than Google websites, no matter which level you use, you have to start from scratch. Nothing is auto-populated. Nevertheless, there are plenty of tutorials online if you’re just learning, and you won’t need to do any coding.

Wix

Wix is another free website builder, although it also offers premium and e-commerce plans too. Getting started is simple. Just sign up or log in with Facebook or Google to get started.

Like WordPress, the free level is relatively limited in functionality. If you’re willing to pay, though, you can access hundreds of templates, additional types of analytics, and more.

Wix provides 500 different templates, and its drag and drop feature means beginners can use it without needing technical expertise.

Other features include:

media galleries
mobile optimization
unlimited fonts
a personalized SEO plan

Wix also provides coding for visitor tracking, while its analytics tool shows your sales, traffic, and visitor behavior.

How to Customize Your Free Google Website

After you have set up your Google My Business page (detailed steps are in the next section), you’ll be able to see your site free google website in a standard setup. You can then start customizing from there.

Free Google website - Google my business

The list nearest your sample site includes things you can do right now, like add photos, text, and themes. The one furthest left includes:

home
posts
reviews
messages
products
insights

Take some time to get to know these options and which each one does.

From the home page, you can also:

finish your profile by adding opening hours, descriptions, and logos
update customers on news and events
create a custom @yourbusiness email address
launch virtue tours and create adverts

You can see the themes, add pictures with a photo gallery, and edit your site’s categories from the other menu.

Free Google website - Tony's SEO Shop website example

To best set up your site, follow these steps:

Choose your theme: For customizing, the most obvious starting point is by looking at the themes. There are ten to choose from, all with different colors and styles of text. Click on them one by one to see which theme most closely matches your business’s style and the image you want to convey.
Add Photos: Click on the top right-hand corner of the header picture, drag your photo, or upload one from your computer. To add other images, click on “photos” on the left-hand side.
Editing: Edit text by clicking the blue “Edit” button under photos.
Additional changes: Click “More” to change settings, publish, or for advice on getting customers.

It’s that easy! You’ve finished building your free Google website, and you should be ready to start getting noticed online.

How to Build Your Free Google Website

Before building your website, set up your Google my Business Page, if you haven’t already. Here’s how to do just that.

Go to Google’s website builder.
You’re looking for the “website” heading. It’s the third one along at the top.
Add your business name and click the blue arrow.
Add your business category.
If your service or industry isn’t clear cut, add the class representing your company the best. Click “Next.”
Select your location preferences.
Now, Google asks if you want your business location to appear on your website. Either select “Yes, I want it to appear on my website” or “No, I prefer not to.” Depending on the type of business, you may need to include an address. Choose the appropriate option and click “Next.”
Choose if your business provides deliveries or services.
Choose if your business provides deliveries or services. This step is optional.
Add your region and click “Next.”
Add your phone number.
Add your business address details, including country and zip code.
Verify your accout.
Do this by clicking on the “Home” page, which you’ll find at the top of the menu on the left, and following the “Verify” link.

You’re ready to start building your free Google website!

Create a Free Google Website FAQs

What Is the main benefit of a free Google website?

Unlike its rivals, you’re not starting from scratch, and you aren’t making all the decisions yourself. Although it may seem basic to some, a Google site gives you a functional, great-looking website, and with some imagination, you’ll get impressive results.

How do I set up a Google My Business Page?

Google provides step-by-step instructions.

Do I Need Technical Expertise to Build a Free Google Website?

No, a free Google website creates a professional-looking website with minimal input from you.

How Does a Free Google Website Compare With Its Rivals?

While other options offer additional features, Google outshines its competitors regarding simplicity and ease of use.

Conclusion

Having an online presence is a necessity these days. If would-be customers can’t find your website, you’re likely missing out on clients.

However, building a website doesn’t mean spending a lot of money or needing technical expertise. Instead, you can begin by starting with a free Google website and set it up in a few easy steps.

Once you’re online, you can start benefiting from additional leads, more customers, and increased conversions—all the things you need for increasing your business success rate and growing a thriving enterprise.

How has using a free Google Business website affected your business?

How to Build EIN Credit for Your Business

Do You Know How to Build EIN Credit?

Yes, it’s really possible to learn how to build EIN credit for your business.

But let’s start with some definitions and background on business credit.

Business Credit

This is credit in a business’s name. It is not tied to the owner’s creditworthiness. Instead, business credit scores depend on how well a company can pay its bills. Hence consumer and business credit scores can vary dramatically.

Business Credit Benefits

There are no demands for a personal guarantee. You can quickly get business credit regardless of personal credit quality. And there is no personal credit reporting of business accounts. Business credit utilization won’t affect your consumer FICO score. Plus the business owner isn’t personally liable for the debt the business incurs. This can be true for you as you build EIN credit for your business.

Another advantage is that even startup businesses can do this. Visiting a bank for a business loan can be a recipe for frustration. But building business credit, when done correctly, is a plan for success.

Consumer credit scores depend on payments but also various other factors like credit utilization percentages.

But for company credit, the scores truly just hinge on if a small business pays its invoices timely.

Business Credit Details

Being accepted for business credit is not automatic. Building business credit requires some work. Some of the steps are intuitive, and some of them are not.

Vendors are a big component of this process.

Doing the steps out of sequence results in repetitive rejections. No one can start at the top with business credit. For example, you can’t start with retail or cash credit from your bank. If you do, you’ll get a rejection 100% of the time.

Company Fundability to Build EIN Credit

A company must be fundable to lending institutions and vendors.

That is why, a small business needs a professional-looking website and email address. And it needs to have site hosting from a company such as GoDaddy.

Additionally, business phone numbers need to have a listing on 411. You can do that here: https://www.listyourself.net.

Also, the business telephone number should be toll-free (800 exchange or the equivalent).

A company also needs a bank account devoted strictly to it, and it must have every one of the licenses essential for running.

Licenses

These licenses all have to be in the identical, accurate name of the company. And they must have the same company address and telephone numbers.

So keep in mind, that this means not just state licenses, but possibly also city licenses.

Keep your business protected with our professional business credit monitoring.

How to Build EIN Credit: Working with the Internal Revenue Service

Visit the Internal Revenue Service website and get an EIN for the company. They’re free of charge. Select a business entity like corporation, LLC, etc.

A small business may get started as a sole proprietor. But they absolutely need to change to a form of corporation or an LLC.

This is to decrease risk. And it will make the most of tax benefits.

A business entity matters when it involves taxes and liability in the event of a lawsuit. A sole proprietorship means the business owner is it when it comes to liability and taxes. No one else is responsible.

The best thing to do is to incorporate. You should only look at a DBA as an interim step on the way to incorporation.

How to Build EIN Credit: Getting Started

Start at the D&B web site and get a totally free D-U-N-S number. A D-U-N-S number is how D&B gets a small business into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s web sites for the company. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process.

This way, Experian and Equifax have something to report on.

How to Build EIN Credit with Starter Vendors

First you should build tradelines that report. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can begin to get credit for numerous purposes, and from all sorts of places.

These kinds of accounts tend to be for things bought all the time, like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.

But first of all, what is trade credit? These trade lines are credit issuers who give you starter credit when you have none now. Terms are generally Net 30, versus revolving.

Therefore, if you get an approval for $1,000 in vendor credit and use all of it, you need to pay that money back in a set term, like within 30 days on a Net 30 account.

Details

Net 30 accounts must be paid in full within 30 days. 60 accounts must be paid completely within 60 days. Unlike revolving accounts, you have a set time when you must pay back what you borrowed or the credit you made use of.

To launch your business credit profile the proper way, you should get approval for vendor accounts that report to the business credit reporting bureaus. When that’s done, you can then use the credit.

Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Makes Sense

Not every vendor can help in the same way true starter credit can. These are vendors that grant approval with a minimum of effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

As you get starter credit, you can also start to get credit from retailers. Here are some stellar choices from us: https://www.creditsuite.com/blog/5-vendor-accounts-that-build-your-business-credit/

Uline

Uline is a true starter vendor. You can find them online at www.uline.com. They sell shipping, packing, and industrial supplies, and they report to Dun & Bradstreet and Experian. You MUST have a D-U-N-S number and an EIN before starting with them. They will ask for your corporate bank information. Your company address must be uniform everywhere. You need for an order to be $50 or more before they’ll report it. Your first few orders may need to be prepaid initially so your business can get approval for Net 30 terms.

How to apply with them:
Add an item to your shopping cart
Go to checkout
Select to Open an Account
Select to be invoiced

Marathon

Check out starter vendor Marathon. Marathon Petroleum Company provides transportation fuels, asphalt, and specialty products throughout the United States. Their comprehensive product line supports commercial, industrial, and retail operations. This card reports to Dun & Bradstreet, Experian, and Equifax. Before applying for multiple accounts with WEX Fleet cards, make sure to have enough time in between applying so they don’t red-flag your account for fraud.

To qualify, you need:

Entity in good standing with Secretary of State
EIN number with IRS
Business address- matching everywhere.
D-U-N-S number
Business License (if applicable)
And a business bank account
Business phone number listed on 411

Your SSN is required for informational purposes. If concerned they will pull your personal credit talk to their credit department before applying. You can give a $500 deposit instead of using a personal guarantee, if in business less than a year. Apply online. Terms are Net 15. Get it here: https://www.marathonbrand.com/.

Grainger Industrial Supply

Grainger Industrial Supply is likewise a true starter vendor. You can find them online at www.grainger.com. They sell hardware, power tools, pumps and more. They also do fleet maintenance. And they report to D&B. You need a business license, EIN, and a D-U-N-S number.

To qualify, you need the following:
A business license (if applicable)
An EIN number
A company address matching everywhere
A corporate bank account
And A D-U-N-S number from Dun & Bradstreet

Your business entity must be in good standing with the applicable Secretary of State. If your business doesn’t have established credit, they will require additional documents. So, these are items like accounts payable, income statement, balance sheets, and the like.

Apply online or over the phone.

Accounts That Do Not Report

Non-reporting trade accounts can also be helpful. While you do want trade accounts to report to a minimum of one of the CRAs, a trade account which does not report can still be of some value.

You can always ask non-reporting accounts for trade references. And also, credit accounts of any sort ought to help you to better even out business expenditures, thus making financial planning simpler.

Store Credit

Store credit comes from a variety of retail service providers.

You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the company’s EIN on these credit applications.

Fleet Credit

Fleet credit is from service providers where you can purchase fuel and fix and take care of vehicles. You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, make certain to apply using the company’s EIN.

Keep your business protected with our professional business credit monitoring.

Cash Credit

You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.

These are frequently MasterCard credit cards.

Monitor Your Business Credit

Know what is happening with your credit. Make certain it is being reported and address any errors as soon as possible. Get in the practice of checking credit reports. Dig into the particulars, not just the scores.

We can help you monitor business credit at Experian, Equifax, and D&B for a lot less than it would cost you at the CRAs. See: www.creditsuite.com/monitoring.

Update Your Information

Update the info if there are inaccuracies or the data is incomplete.

Fix Your Business Credit

So, what’s all this monitoring for? It’s to challenge any errors in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs usually want you to dispute in a particular way.

Disputes

Disputing credit report mistakes typically means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never send the originals. Always mail copies and keep the original copies.

Fixing credit report errors also means you specifically detail any charges you challenge. Make your dispute letter as clear as possible. Be specific about the concerns with your report. Use certified mail to have proof that you sent in your dispute.

Keep your business protected with our professional business credit monitoring.

A Word about How to Build EIN Credit

Always use credit smartly! Never borrow more than what you can pay off. Monitor balances and deadlines for repayments. Paying on schedule and fully does more to increase business credit scores than nearly anything else.

Building small business credit pays off. Excellent business credit scores help a small business get loans. Your lender knows the small business can pay its financial obligations. They know the company is for real.

The small business’s EIN links to high scores and loan providers won’t feel the need to request a personal guarantee.

How to Build EIN Credit: Takeaways

Business credit is an asset which can help your small business for years to come. Learn more here and get started toward establishing small business credit.

The post How to Build EIN Credit for Your Business appeared first on Credit Suite.

How to Use YouTube Ads to Grow Your Business

Being a marketer is an interesting job.

On the one hand, you’re expected to keep up with trends. When a new social media platform starts to take off, you’d better be there promoting your brand.

Still, you can’t just blindly follow those trends. Popular platforms become saturated with dozens of competitors, and standing out becomes nearly impossible.

Don’t get me wrong; social media ads can work wonders. I’ve just noticed there are plenty of underutilized marketing platforms right now. The most noticeable of which is YouTube ads.

YouTube ads are one of the most overlooked ad formats in digital marketing, and it’s easy to figure out why.

The massive focus on social media ads combined with the challenge of creating compelling high-quality video content makes YouTube ads a tough sell to small business owners.

Can YouTube ads be tough to grasp? Sure, at first. Luckily, once you get over that initial hurdle, YouTube ads offer some pretty unique marketing tools you can’t find anywhere else.

That’s why today, we’re taking a deep dive into the world of YouTube ads, from ad types to strategy. We’ll even walk you through creating your first one!

5 YouTube Ad Types

If you’re unfamiliar with YouTube, their primary advertising format is known as the TrueView ad. Before we can understand the value of skippable in-stream ads, we need to take a closer look at YouTube’s TrueView ad approach.

TrueView ads were created to solve a massive problem. Before TrueView ads, users lacked any meaningful way to control their advertising experience. Without a way to meaningfully interact with the content, ads ran the risk of being both frustrating and irrelevant.

YouTube was hoping to present itself as a valuable advertising platform, but its original approach to advertising severely limited the effectiveness and efficiency of brand marketing efforts. No brand wants to waste precious time and money selling to viewers who simply aren’t interested.

Here’s the simple explanation: Your brand only pays for TrueView Ads when viewers watch for at least 30 seconds, watch your entire video, or interact with your ad via call-to-action (CTA).

1. Skippable In-Stream Ads

The first variation of the TrueView ad is the skippable in-stream ad. At a minimum of 12 seconds and a maximum of six minutes, in-stream ads play before a viewer’s video on YouTube.

These ads feature a countdown timer on screen, as well as a link to the brand website. You can also tag on a companion banner ad, but it’s worth pointing out these companion banner ads won’t be on all YouTube pages where your in-stream ads are served.

Of course, the most important part of this variant is the option to skip the video ad after five seconds. If they choose to skip and don’t interact with your ad, you don’t have to pay a dime. Assuming you uploaded the video to your YouTube channel, once the viewer watches for 30 seconds, a view is attributed to your view count.

2. Video Discovery Ads

TrueView Discovery ads are promoted throughout YouTube, appearing as an image thumbnail with up to three lines of text. These ads function as an entirely optional way for viewers to consume your brand content.

Discovery ads are visible on the YouTube homepage, at the top of a viewer’s YouTube search results, and on the suggested videos list on their video’s watch page. The best part? Your brand doesn’t spend a dime on these ads unless viewers interact with them.

That’s what makes this advertising approach so useful to brands and marketers. TrueView ads work to protect both the viewer’s time and your brand’s money.

3. Non-Skippable In-Stream Ads

YouTube Ads - Non-Skippable In-Stream Ads

If the TrueView approach just doesn’t interest your brand, YouTube has plenty of other options. Non-skippable ads function a bit differently on this platform. They might look just like skippable ads on the surface, but you’ll be limited to a 15-second ad window for non-skippable ads.

Beyond that, you’ll be dealing with a cost per thousand (CPM) payment structure, forcing you to pay for every thousand views.

The only scenario where you’d want to use something like this is when you’re dealing with a proven target audience or when your brand is looking to maximize its reach. Otherwise, there’s a strong chance you could waste time and money selling to the wrong prospects.

4. Bumper Ads

As you research YouTube ads, you’ll likely come across bumper ads and wonder what purpose they serve. What makes them different from the traditional non-skippable in-stream ad?

The most significant difference is the duration of your ad window. Instead of 20 seconds, bumper ads are expected to last less than six seconds.

Why would this distinction matter? Well, a viewer’s time and attention are valuable commodities. YouTube needs to protect their user experience, primarily by providing users with relevant information. YouTube limits these bumper ads to avoid frustrating viewers with non-skippable ads.

The key to making bumper ads work is creating something memorable. The format might not support long-form stories, but there are plenty of ways to portray your brand in five seconds.

5. Masthead Ads

Think of YouTube Masthead as YouTube’s premium advertising experience. Imagine your ad being the first thing viewers see whenever they use the platform. It’s a marketer’s dream come true, and with good reason.

Of course, there’s a reason you’ve never seen a small business on that masthead. That premium experience comes with a premium price tag. At about $2 million per day, masthead ads are extremely expensive and far beyond the average brand’s marketing budget.

Think of these like Super Bowl ads: impressive reach and traffic, but not reasonable for most marketers. YouTube’s other advertising formats are more cost-effective, easier to experiment with, and generally more valuable to your brand’s marketing journey.

What Makes YouTube Ads Unique?

With all the different variants and the added work of creating a compelling video ad, some marketers might wonder why they should use YouTube ads over social media ads. After all, that’s a ton of extra work when you could just make some simple visuals on Facebook ads.

While it’s certainly easier to make ads on social media, YouTube is a powerful tool for brands looking to promote high-quality video content to a massive audience. In fact, in a side-by-side comparison, an Agorapulse study found YouTube ads produced more views, more clicks, and higher conversions than Facebook Ads!

How to Decide Which Kind of YouTube Ad Is Right for Your Business

You’re ready to get started with your YouTube video ads. You’ve done all your audience and keyword research, and you know what the messaging should look like. Now you just need to pick an ad format.

When you’re first getting started, settling on a format to use can quickly become confusing. Should you use TrueView ads because you’re only charged per interaction? Are impressions more important or is traffic your only priority?

If you’re completely new to the world of YouTube ads, this breakdown of video ad formats by marketing objective exists to help you take that first step forward. Not to worry, your brand will start to identify what works well over time via testing and data collection.

Brand Consideration: Video Discovery Ads

One of the most compelling reasons to experiment with discovery ads is their potential as a brand consideration tool.

Instead of focusing on squeezing in a quick ad before someone else’s video, you can integrate your ad content into the YouTube search experience. This is where your keyword research can really shine. Create content that revolves around those low competition keywords with high volume.

When viewers click on your ad, they’ll be taken to your YouTube channel to watch that video. The goal here is less about CTAs and conversion and more about providing a closer look at your brand. If you have great instructional videos or interesting presentations, a discovery ad can work wonders for you.

Brand Awareness: Non-Skippable Ads

For the sake of clarity, let’s define a few terms before we move on. Brand awareness is about maximizing visibility for your brand. Ideally, it lays the foundation for effective lead generation.

The main objective of lead generation is to both identify likely prospects quickly and offer properly defined metrics. Both lead generation and brand awareness are powerful tools when used correctly, but it’s vital you understand when to best use them.

Think of brand awareness as the top of the marketing funnel, leading into quality lead generation.

If your primary marketing goal is casting a wide net, non-skippable ads can effectively raise awareness for your brand. These ads can appear pre-roll, mid-roll, or even post-roll. If you’re worried about placement, YouTube serves these ads whenever they believe viewers are most likely to watch.

Lead Generation: TrueView In-Stream Ads

Maximizing brand awareness is great, but if you want to turn your traffic into interested prospects, you’ll need ad content that truly converts.

TrueView in-stream ads are perfect for this because they’re designed to be skippable. They introduce a level of reliability to the marketing experience. This potential prospect found the first five seconds of your ad compelling and was willing to stick around.

My favorite part? If a viewer doesn’t want to consume your content, they can just leave, at no cost to you. If the viewer does want to interact, they’ve now provided you with some very valuable information. They’re genuinely interested in your brand!

Message Reinforcement: Bumper Ads

Let’s say you’ve already established an audience via digital media. You want to get a message out to them, maybe to announce your latest shoe release or phone launch. You need to maximize your budget, but you don’t really need to educate your target audience on the brand.

This is one of the scenarios where bumper ads perform well. The bumper ad doesn’t allow for much in terms of storytelling or education. What it can do is allow just enough time to hype up a new product or service.

Reach: Masthead Ads

We’ve already established that Masthead ads aren’t for the average small business. While they may not be a cost-effective way to market your brand, they do highlight a lesson about ad budgets in marketing: specifically, the concept of ROI.

On the surface, spending millions of dollars on a single ad can seem ridiculous. What if the messaging doesn’t land perfectly? What if you were wrong about the target audience’s pain points? It seems like such a massive risk. Still, massive brands are doing this regularly. Why?

Well, consider how these massive brands approach marketing. With millions on the line, their latest marketing campaign is composed of detailed, layered strategy with one element at its center: data, and lots of it.

This data, likely collected over several years, confirms they’ll receive a positive ROI from this investment. Where small brands see risk, massive brands see growth opportunities.

Of course, it’s not like only massive brands are entitled to that level of confidence. The commitment to making data-driven decisions is what elevates any marketing strategy.

Masthead ads aren’t impressive because they’re expensive. They’re impressive because they show that with enough data, even the biggest risks become manageable.

How to Create a Video Ad for YouTube

Let’s say you’ve never created a video ad before. All this video ad strategy sounds great, but it won’t make you a master visual content creator overnight. Fortunately, you don’t need to spend months learning how to edit to make compelling videos. When in doubt, a little external guidance goes a long way.

Google is hard at work getting YouTube Video Builder, their accessible video creation software, ready for the public. In the meantime, tools like Promo and Animoto walk you through the process of building strong video ads in minutes.

Measure the Success of Your YouTube Ads

YouTube ads track plenty of metrics for you automatically, everything from watch time to engaged-views data is available, if you’re interested.

Unfortunately, that much information can be overwhelming when you’re new to the platform. When you’re first getting started, focus on view rate for skippable ads. This is essentially your true engagement rate, determining how well you can turn viewers into interested prospects.

If your view rate is low, there are a few possibilities. Maybe your headline doesn’t draw people in. Maybe your video doesn’t capture the viewer’s attention quickly enough. Remember those first five seconds need to be compelling.

For non-skippable ads, the focus is still on engagement. The only difference is that you’ll use click-through rate (CTR) to determine whether your ad connects your target audience.

If your CTR is unusually low, there are two possibilities. Either the video is being delivered to the wrong audience or the video itself is not connecting with your target audience. I advise testing for both by experimenting with different target audiences and creating multiple videos.

How to Create YouTube Ads

Ready to get started? Here’s how to create your first YouTube ad.

Upload Your Video
Log into your brand’s YouTube account and click on the camcorder icon on the top-right of YouTube. Then, click “Upload Video.”

From there, you’ll be taken to the upload window where you can now upload your video. Make sure you fill in title, description, and tag information.
Create Your Campaign
Sign in to your Google Ads Account and select “New Campaign.”
You’ll see an option to choose a campaign goal, but just click on “create a campaign without a goal’s guidance” for now. You can now select a campaign type, so select “Video” or “Display,” based on your goals.

For our purposes, we’re going to focus on the “Video” option. At this point, you’ll be asked to select a campaign subtype. Select the most appropriate option and click “Continue.”
Configure Your Campaign
Now that you’ve created your campaign, it’s time to configure it properly. Start by giving your campaign a name for easy data collection.

Then, confirm your bid strategy, ad budget, and campaign duration. From there, also confirm your networks, locations, and languages.

Content exclusions are in this section as well. This determines where your ads are shown. If your brand is typically family-friendly, you’ll likely want to choose limited inventory. If your brand is more mature, expanded inventory could be a good fit. You can also exclude certain types of content and labels here.
Target Your Audience
When targeting your audience, start by defining their demographic information including age, gender, parental status, and household income. Google also lets you experiment with some more specific audiences like “bachelor’s degree” or “health care industry.”

Use keywords, topics, and placements to further narrow down your targeting.
Finalize Your Ad
Set your maximum bid. In the “Create your video ad” section, find your YouTube video and choose the appropriate video ad format (as listed in the above sections.)

Once your video ad format is selected, fill in the “Final URL” and “Display URL” sections. You can also include your call-to-action and your headline here.
You can auto-generate a companion banner, or upload your own below.
Once you’re ready, click “Create Campaign” and you’re all set!

Final Thoughts on Growing Your Business With YouTube Ads

Listen, I get it. Wrapping your head around YouTube ad creation can be a bit of a challenge at first.

The idea behind this guide is to arm you with a strong foundational understanding of how YouTube ads function, and how you can make your own.

Feel free to bookmark this guide if you ever need a refresher course, especially when it comes to campaign and video creation.

Fortunately, YouTube ads function just like any other digital marketing platform. Focus on your key metrics, test regularly, and above all else, respect the data. The path to consistent growth might not be glamorous, but it certainly gets results.

What digital marketing platform do you think is underutilized right now?

Get Business Credit Cards for People with Poor Credit

Yes, There are Business Credit Cards for People with Poor Credit

We researched a lot of business credit cards for people with poor credit, for you. So, here are our choices.

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

This shows that you can get a lot more money with company credit cards.

And you are not going to need collateral, cash flow, or financials in order to get small business credit.

Business Credit Card Benefits

Benefits can vary. So, make sure to pick the benefit you would prefer from this selection of alternatives.

And always check rates on the appropriate website. a credit card issuer’s website is always going to have the most current, correct rates and terms.

Trustworthy Business Credit Cards for People with Poor Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no yearly fee.

You are not going to have to provide your Social Security number to apply. And you are not going to need to supply a personal guarantee. Rather, they are going to take your EIN.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they are not going to work with, as well as others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex will check a company’s cash balance, spending patterns, and investors.

You can get seven times the points on rideshare. Get four times the points on travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get equivalent points on everything else.

You can have bad credit (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Secure Business Credit Cards for People with Poor Credit

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 26.99%. You can earn unlimited 1% cash back on every purchase for your company, without any minimum to redeem.

While this card is within reach if you have average credit scores, beware of the annual percentage rate. However if you can pay on schedule, and in full, then it is a bargain.

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

Score the best business credit cards for your business. Check out our professional research.

Fleet Credit: We Have Excellent Gas Credit Cards for People with Poor Credit Via Our Business Credit Builder

Our Business Credit Builder is chock full of amazing business credit cards. And that includes gas credit cards for people with poor credit! These cards are for starter vendors. We know that they report to business credit reporting agencies. Whether you are new to business credit building, or have been at it for a while, it pays to get these cards.

Marathon

Marathon Petroleum Company provides transportation fuels, asphalt, and specialty products throughout the United States. Their comprehensive product line supports commercial, industrial, and retail operations. This card reports to Dun & Bradstreet, Experian, and Equifax.

But before applying for multiple accounts with WEX Fleet cards, make sure to leave enough time in between applying so they do not red-flag your account for fraud.

Qualifying for Marathon

To qualify, you are going to need:

Your business entity must be in good standing with the applicable Secretary of State
Plus, you are going to need an EIN number with the IRS
Your business address- it must be matching everywhere
A D-U-N-S number from Dun and Bradstreet
All business licenses, if applicable
Also, your business bank account
Your business phone number listed on 411

You must supply your Social Security Number for informational purposes. If you are concerned that they are going to pull your personal credit, then be sure to talk to their credit department before applying. You can give a $500 deposit instead of using a personal guarantee if you have been in business less than a year. You can apply online. The terms are Net 15. You can get it here: marathonbrand.com.

Score the best business credit cards for your business. Check out our professional research.

76

76 is owned by Phillips 66 Company. They sell gas in more than 1,800 retail fuel sites in the United States. This card reports to Dun & Bradstreet, Experian, and Equifax. You can use this card at any P66, 76, or Conoco fueling location.

Qualifying for 76

To qualify, you are going to need:

Your business entity must be in good standing with the applicable Secretary of State
Plus, you are going to need an EIN number with the IRS
Your business address- it must be matching everywhere
A D-U-N-S number from Dun and Bradstreet
All business licenses, if applicable
Also, a business bank account
Your business phone number listed on 411

Your Social Security Number is necessary for informational purposes. If you are concerned that they are going to pull your personal credit, talk to their credit department before applying. If you are not approved based on business credit history or you have been in business less than one year, then a $500 deposit is needed or a personal guarantee (PG). You can apply online or over the phone.

The terms are Net 15. You can get it here: 76fleet.com.

Wex Fleet Card

Wrights Express (WEX Card) offers universal fleet cards, heavy truck cards, and universally accepted business fleet cards. These cards have features that support small business, including a rewards program.

But before applying for multiple accounts with WEX Fleet cards, make sure to leave enough time in between applying. This way, they would not red flag your account for fraud. This card reports to Dun & Bradstreet, Experian, and Equifax.

Qualifying for the Wex Fleet Card

To qualify, you need:

Your business entity must be in good standing with the applicable Secretary of State
Plus, you are going to need an EIN number with the IRS
Your business address- it must be matching everywhere
A D-U-N-S number from Dun and Bradstreet
All business licenses, if applicable
Also, a business bank account
Your business phone number listed on 411

If you do not get an approval based on business credit history, or have not been in business for one year, then a $500 deposit is needed or a personal guarantee. You can apply online or over the phone.

The terms are Net 15 (for the WEX Fleet Card), Net 26, and Revolving (for the WEX Flex Card). You can get it here: wexinc.com/solutions/fleet-management.

Score the best business credit cards for your business. Check out our professional research.

The Very Best Small Business Credit Cards for People with Poor Credit – You!

Your straight-out ideal company credit cards depend upon your individual circumstances.
Just you can choose which features you want and need. So, to do your research. What is outstanding for you could be disastrous for another person.

And, as always, make sure to build business credit in the recommended order for the best, speediest benefits. And then your poor credit is not going to matter at all.

The post Get Business Credit Cards for People with Poor Credit appeared first on Credit Suite.

6 Ways to Fund Your Startup When You Can’t Get a Government Business Loan

Those who died in military service did so for our freedom. Part of that freedom is the ability to open a business. In fact, you can even get a government business loan to do so. However, that option will not work for everyone. How can you fund a startup when you can’t get a government business loan?

Discover Other Ways to Fund a Business When a Government Business Loan Isn’t An Option

First, you may not qualify. They typically require good credit and some sort of collateral. Likewise, even if you do qualify, a government business loan may not be enough. What are the other options?

1.The Credit Line Hybrid

The Credit Line Hybrid is a funding option that may offer an even better interest rate than a government business loan. Yet, you get the money faster and easier also. Furthermore, you don’t have to supply any bank statements or check stubs. You can get funding in a few days rather than weeks, without supplying any collateral or documents.

It is revolving, unsecured financing that allows you to fund your business without putting up collateral, and you only pay back what you use.

How to Qualify for the Credit Line Hybrid

Your personal credit score should be at least 680. In addition, you can’t have any liens, judgments, bankruptcies or late payments. Furthermore, in the past 6 months, you should have less than 6 credit inquiries. Also, you should have less than a 45% balance on all business and personal credit cards. You need to have at least two credit cards with limits of $2,000 or more and at least a year and a half of good payment history as well.

Yet, if you do not meet all of the requirements, you can still get this funding. You can take on a credit partner that meets each of these requirements. Many business owners work with a friend or relative to fund their business. If a relative or a friend meets all of these requirements, they can pair with you to allow you to tap into their credit to access funding.

Learn business loan secrets and get money for your business.

How Much Funding Can You Get?

Generally, approval is up to 5x that of the highest credit limit on your personal credit report. Sometimes, you can get interest rates as low as 0% for the first few months, allowing you to put that savings back into your business.

The process is pretty fast, especially with a qualified expert to walk you through it. Another benefit is, with the approval for multiple credit cards, there is competition. This makes it easier, and even likely if you handle the credit responsibly, that you can get interest rates lowered and limits raised every few months.

2. Retirement Account Financing

This Credit Suite program offers a flexible and powerful way for a startup to leverage assets that are in a 401(k) plan or IRA. It even has the blessing of the IRS. In fact, they have their own name for it. It’s called a Rollover for Business Startups (ROBS).

How to Qualify for Retirement Account Financing?

No financials have to be submitted, and you do not need good credit. In fact, all the lender will ask for is a copy of your two most recent 401(k) statements.

If the plan has a value of more than $35,000, you can get approval. This is true even if you have really bad personal credit. You can get however much of your 401(k) is “rollable.” Sometimes, you can secure a low-interest credit line or loan for 100% of your current 401(k) value.

The plan you use cannot be from a business where you currently work. It will have to be from previous employment. Also, you can’t still be contributing to it.

The cost is 5.25% (prime +2) and the term is 5 years. There is a $1,995 lender fee rolled in as well, which includes 5 years of management and consulting.

3. Line of Credit

The difference between a traditional loan and a traditional business line of credit is that the line of credit is revolving credit rather than a term loan. Like a credit card, you only pay back what you use. Also, lines of credit typically have lower interest rates than business credit cards. The trade off is, there are no rewards like cash back or air miles.

Learn business loan secrets and get money for your business.

At Credit Suite, our funding partners offer an unsecured line of credit that has a minimum FICO score requirement of 600. You also must show business tax returns with net profits over $20,000 if you have been in business between 6 months and a year. If you have been in business for over a year, you need to show $10,000 in monthly revenue. These requirements are much easier to meet than those typically set forth by lenders.

Terms are 6 to 18 months and interest rates range from 12% to 25%. You can get up to $250,000.

4. Alternative Lenders

There are a number of non-bank lenders that will lend to startups. You do have to be careful, as there are a lot of predatory lenders out there. They also tend to have higher interest rates. However, they aren’t all bad. Here are a few decent options for startup loans if a government business loan isn’t available.

BlueVine

BlueVine requires that you be in business for at least 6 months. If you have at least $120,000 in annual revenue, you may qualify for a loan from them. The minimum credit score for a line of credit from BlueVine is 600. Furthermore, if you want invoice factoring, you can get approval with a score as low as 530, 3 months in business, and $10,000 in monthly revenue.

Kiva

Kiva is different. First, the interest rate is 0%. As a result, even though you have to pay it back, a loan from them is free money. There is no credit check at all. However, you have to get at least 5 family members or friends to donate to help fund your business as well. In addition, you have to pitch in a $25 loan to another business on the platform yourself.

Accion

Accion also may also be a good fit if a government business loan isn’t happening. It’s a nonprofit that offers microloans. The minimum credit score is 575. You don’t have to already be in business, but if you are not, you must have less than $500 in past due debt. In addition, your business needs to be home or incubator based.

Remember, details such as interest rates and loan requirements can change, so be sure to check lenders directly for the most up to date information.

5.Crowdfunding

This option for startup funding is growing in popularity. With crowdfunding, you get a lot of smaller investments from a lot of people, or a crowd if you will. It is different from getting the bulk of your small business funding from one or two larger investors.

First, you have to figure out which crowdfunding platform is best for your situation. Kickstarter and Indiegogo are two of the most popular. Be sure to take note of the rules each platform has for when you gain access to funds. They can vary greatly.

Learn business loan secrets and get money for your business.

6.Angel Investors

These are investors that are typically less formal than regular investors. An angel investor can be anyone. For example, it could be a family member or someone you met through networking.

The best way to find an angel investor is to ask people you know. Another option is an angel investors website or network. For example, Gust keeps a database of investors, companies, and programs.

Wait! Don’t Apply for Any Funding Before Your Read This

As you work on starting your business, you need to think about building business credit so that you can get the funding you need as your business grows. Unlike your personal credit score, you have to initially work to establish your business credit score. The best way to do this is to work with a business credit expert from the beginning. The process is not hard, but if you don’t know what you are doing, it can be difficult to navigate. A business credit expert can help you start off on the right food, and guide you through the process in the right order. This will save time and money, ensuring you build a strong business credit profile from the start. See for yourself with a free consultation.

The post 6 Ways to Fund Your Startup When You Can’t Get a Government Business Loan appeared first on Credit Suite.

5 Hacks to Get a Credit Score Increase for Your Business

It’s easy to find quick tips on how to increase credit score on your personal credit report. You won’t find as much about business credit score at all, let alone how to get a credit score increase. Many business owners do not even know a business can have its own credit score, while others think their business has one and in reality, it does not.

Build a Solid Business Credit Profile and Watch Your Credit Score Increase

A business credit score is very different from a personal credit score. The information a lender gets from it is similar, but it is related to the creditworthiness of the business separate from the owner. Your business credit accounts do not affect your personal credit score at all.

Keep your business protected with our professional business credit monitoring.

This protects your personal finances if your business doesn’t do well. Your personal credit will not suffer due to unpaid business accounts, and you can retain the ability to purchase things like a house or a car.

Beyond that, a strong business credit score gives you access to more funding for your business. This can help you be more successful, and help ensure your business can thrive. But, how do you even begin to build a business credit score, let alone get a credit score increase.

Hack #1: Proper Setup

Your personal credit score just kind of happens. You get credit, pay your bills on time, and the accounts report your payments to your credit report. If you handle your personal credit responsibly, you will have a good score. If not, you won’t.

A business credit profile is different. You have to work intentionally to establish it and build your score. Just because you have a card that says “business credit card” on it does not mean it is in your business name. It isn’t necessarily reporting to your business credit report. It could, and in fact probably is, reporting to your personal credit if you haven’t taken some steps to separate your business from yourself.

If your business is not set up to be a fundable entity separate from you the owner, you won’t have a business credit score at all. So, the first step is to increase it from non-existent into existence by setting up your business to be fundable. Here’s how.

Contact Information

The first step in setting up a foundation of fundability is to ensure your business has its own contact information. That doesn’t mean you have to get a separate phone line, or even a separate location. You can get a business phone number easily that will work over the internet instead of phone lines. In addition, the phone number will forward to any phone you want it too so you can simply use your personal cell phone or landline if you want. Whenever someone calls your business number it will ring straight to you.

You need a physical business address. A PO Box or an UPS Box will not work.

Keep your business protected with our professional business credit monitoring.

EIN

The next thing you need to do is get an EIN for your business. This is an identifying number for your business that works in a way similar to how your SSN works for you personally. You can get one for free from the IRS. You may still have to provide your SSN for identification purposes, but your EIN will designate your business as separate.

Incorporate

Incorporating your business as an LLC, S-corp, or corporation is necessary to fundability. It lends credence to your business as one that is legitimate. It also

offers some protection from liability.

Business Bank Account

You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of business finances. It will also help you keep them separate from personal finances for tax purposes, and some creditors require a separate account. Also, it is a requirement for a merchant account, which allows you to accept payments via credit card.

Hack #2: Add Accounts That Report

Here is another key way that your business credit profile is different from your personal credit profile. Pretty much all personal accounts report your payments, or lack thereof, to the credit reporting agencies (CRAs). In contrast, only about 7% of business creditors will report payment history to your business credit report. This makes finding accounts that will report to the business CRAs essential.

It’s easier said than done however. Creditors do not make this information easy to find. We have a hack that can help you find vendors that will report, so don’t stop reading.

Hack #3: Pay bills on time!

Okay, so if you made it this far and realize you may not have a business credit score at all, now you know how to fix it. However, if you do already have an established business credit profile, but need a credit score increase, this is the key.

It sounds like a no-brainer, and most asking the question of how to get a credit score increase are looking for a different answer. However, this is the absolute best way to raise your credit score.

In fact, it is much more important with business credit scores than with personal credit scores. That’s because there are a few different things that are used to calculate personal credit. Payment history is one of them, and the most important, but it is not the only one. Also, a payment isn’t really considered late for personal credit score purposes until it is over 30 days late.

Keep your business protected with our professional business credit monitoring.

When it comes to your business credit score however, payment history is virtually all that matters. Not only that, but a payment is reported as late when it is as little as one day late. So, late payments have a much larger impact on your business credit score. Do whatever you have to do to get those payments in on time.

Hack #4: Make Sure Your Personal Credit Score is on Track

Now here is a fun twist. Remember how I said your business credit accounts do not affect your personal credit score? The reverse is not exactly true. While personal accounts do not report to the business credit CRAs, your personal credit can be used in the calculation of your business credit score in some cases. So, one way you can potentially increase credit score for your business is to improve your credit score on your personal credit profile.

Hack #5: Work With a Business Credit Expert

Here is the number one hack if you are looking for a credit score increase. You absolutely need a business credit expert. It’s not hard to raise your personal

credit score. All accounts report, and paying on time and being otherwise responsible with your credit does the trick.

A business credit score is much more complicated. Establishing a profile isn’t so hard, but there is a lot more to fundability than that. In fact, there are over 100 factors that contribute to the fundability of a business. That means, you could pay your debt responsibly for years, and if you do not have accounts that report it will make no difference. Even worse, without some help, you may never know what is causing you to be denied funding.

A business credit expert can walk you through the process and help you navigate the complicated web of fundability. They can help you analyze it and figure out how to improve it if needed. Then, they know where to look and who to talk to to help you find accounts that report. In the end, a business credit expert is the best way to build credit score for your business.

Get a Credit Score Increase By Working With a Business Credit Expert

Technically you could give this a shot yourself now that you know what’s what. However, as you can see in the image above, it’s a lot. There is a secret sauce of sorts, and it pays to have a business credit expert help you. They know the secrets, and they can save you a lot of time. We all know time is money, and with all the tiny details, chances are if you try to do it alone something will be missed. An expert can walk alongside you and make sure you take the fastest, smoothest route possible to building a strong overall business credit profile.

The post 5 Hacks to Get a Credit Score Increase for Your Business appeared first on Credit Suite.

5 Hacks to Get a Credit Score Increase for Your Business

It’s easy to find quick tips on how to increase credit score on your personal credit report. You won’t find as much about business credit score at all, let alone how to get a credit score increase. Many business owners do not even know a business can have its own credit score, while others think … Continue reading 5 Hacks to Get a Credit Score Increase for Your Business

Do You Need Business Credit Cards for Bad Credit?

Yes, there are Credit Cards for Bad Credit

Are you looking for credit cards for bad credit?

We researched lots of company credit cards for you. So, here are our choices.

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

This shows you can get a lot more money with company credit cards.

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

Business Credit Cards for Bad Credit: Benefits

Benefits can vary. So, make sure to pick the benefit you would prefer from this selection of alternatives.

And always check rates on the appropriate website to get current specifics.

Trustworthy Credit Cards for Bad Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no yearly fee.

You will not need to provide your Social Security number to apply. And you will not need to supply a personal guarantee. They will take your EIN.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, as well as others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit (even a 300 FICO) and still qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Secure Corporate Credit Cards for Bad Credit

Capital One® Spark® Classic for Business

While this card is within reach if you have average credit scores, beware of the annual percentage rate. However if you can pay on schedule, and in full, then it’s a bargain.

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

Score the best business credit cards for your business. Check out our professional research.

Gas Credit Cards for Bad Credit

You can get gas cards via our Business Credit Builder.

Our Business Credit Builder is full of amazing business credit cards. And that includes gas cards! These cards are starter vendors. We know they report to business credit reporting agencies. Whether you’re new to business credit building, or have been at it for a while, it pays to get these cards.

Marathon

Marathon Petroleum Company provides transportation fuels, asphalt, and specialty products, throughout the United States. Their comprehensive product line supports commercial, industrial, and retail operations. This card reports to Dun & Bradstreet, Experian, and Equifax. Before applying for multiple accounts with WEX Fleet cards, make sure to have enough time in between applying so they don’t red-flag your account for fraud.

Your Social Security Number is necessary for informational purposes. If concerned they will pull your personal credit talk to their credit department before applying. You can give a $500 deposit instead of using a personal guarantee, if in business less than a year. Apply online. Terms are Net 15.

Qualifying for Marathon Credit Card for Bad Credit

In order to qualify, you need:

Entity in good standing with Secretary of State
EIN number with IRS
Business address- it has to be matching everywhere.
D-U-N-S number
Business License- if applicable
Also, a business Bank account
Business phone number listed on 411

Get it here: marathonbrand.com.

76

76 is owned by Phillips 66 Company. They sell gas in more than 1,800 retail fuel sites in the United States. This card reports to Dun & Bradstreet, Experian, and Equifax. And it can be used at any P66, 76, or Conoco fueling location.

Your Social Security Number is necessary for informational purposes. If concerned they will pull your personal credit, talk to their credit department before applying. If not approved based on business credit history or been in business less than 1 year, then a $500 deposit is needed or a personal guarantee (PG). Apply online or over the phone. Terms are Net 15.

Qualifying for Credit Cards for Bad Credit from 76

In order to qualify, you need:

Entity in good standing with Secretary of State
EIN number with IRS
Business address- it has to be matching everywhere
D-U-N-S number
Business license- if applicable
Also, a business bank account
Business phone number listed on 411

Get it here: 76fleet.com.

Score the best business credit cards for your business. Check out our professional research.

Wex Fleet Card

Before applying for multiple accounts with WEX Fleet cards, make sure to have enough time in between applying. This way, they won’t red flag your account for fraud. This card reports to Dun & Bradstreet, Experian, and Equifax.

If you’re not approved based on business credit history, or been in business a 1 year, then a $500 deposit is needed or a personal guarantee. Apply online or over the phone. Terms are Net 15 for a WEX Fleet Card, Net 26, and Revolving for a WEX Flex Card.

Qualifying for a Wex Fleet Card

In order to qualify, you need:

Entity in good standing with Secretary of State
EIN number with IRS
Business address- it has to be matching everywhere.
D-U-N-S number
Business License- if applicable
And a business Bank account
Business Phone Number Listed in 411

Get it here: wexinc.com/solutions/fleet-management

Fleet Credit Can Help with More than Fuel and Maintenance

All forms of business credit can help you build good business credit scores, as business credit is mainly based on your payment history. As a result, fleet credit can help your business eventually get funding, such as loans and other forms of financing.

Score the best business credit cards for your business. Check out our professional research.

The Very Best Small Business Credit Cards for You

Your straight-out ideal company credit cards depend upon your credit history and scores.

Just you can choose which features you want and need. So, to do your research. What is outstanding for you could be disastrous for another person.

And, as always, make sure to develop credit in the recommended order for the best, speediest benefits.

The post Do You Need Business Credit Cards for Bad Credit? appeared first on Credit Suite.

Check Out all the Grants for Black Business Owners Out There!

Business Grants for Black Business Owners and So Much More

Are you one of the millions of black business owners in the US? Or are you starting a business? Money is always going to be an issue. What if you could get what is essentially free money? That’s what grants are (for the most part).

Looking for Grants for Black Business Owners – and Other Options

How do you find the best options for you? How do you know if you need to be looking for grants or business loans? We recommend that you explore every option. This is because it will probably take a combination of funding options to fully fund your business.

Funding and Grants for Black Business Owners

There are grants for black business owners, but not necessarily for them exclusively. Still, there are other funding choices out there. Loans, crowdfunding, and even angel investors are all viable options. More on those later.

Business Grants for Black Business Owners

The government and private organizations want to GIVE you money! They are highly competitive and rarely enough to fund a business on their own. Still, grants are a great way to supplement other business funding. Also, they are still worth the effort to apply. There really isn’t anything to lose except time – it’s free money. So here are a few you can start with.

The Minority Business Development Agency

The Minority Business Development Agency (MBDA) is operated by the US Department of Commerce. It is dedicated to helping minority-owned businesses access the resources they need to grow and succeed. The MBDA is for both men and women. Grant competitions are regularly changing.

Visit the MBDA’s website for information on all current opportunities. Currently, the MBDA helps its members apply for grants via Grants.gov. This involves help with how to apply for government grants. See also mbda.gov/grants.

Enterprising Women of Color Initiative

The MBDA oversees the Enterprising Women of Color (EWOC) Initiative. The initiative focuses on the fast-expanding minority women entrepreneur population as a revenue generators for families, communities, and the nation. Minority women are the fastest growing population of entrepreneurs. While many women are making tremendous strides in the business world, they still face obstacles as entrepreneurs.

MBDA serves as an advocate for women’s economic empowerment. They do so by supporting efforts to advance women’s equality and promote women economic advancement programming. The vision of EWOC is to ensure women worldwide to reach their economic potential. See also mbda.gov.

The Verizon Small Business Recovery Fund

The Verizon Small Business Recovery Fund is new. It was established in response to the COVID-19 pandemic. The fund offers $10,000 to successful applicants. The fund is specifically focused on providing grants to business owners of color, women-owned businesses, and other underrepresented entrepreneurs. See also lisc.org/covid-19/small-business-assistance/small-business-relief-grants/verizon-small-business-recovery-fund

National Black MBA Association Scale-Up Pitch Challenge

Also known as NBMBAA, the Scale-Up Pitch Challenge has cash prizes ranging from $1,000 to $50,000. The association states its purpose is to help newer businesses that have an African American ownership. This is a pitch competition for startup businesses. See also nbmbaa.org/scale-up-pitch-challenge.

Demolish your funding problems with 27 killer ways to get cash for your business.

Amber Grant

Black businesswomen have even more options open to them. The Amber Grant awards one prize of $10,000 per month to a woman-owned business. One of the recipients also receives an extra $25,000 grant at the end of the year. Applicants only need to tell their story and turn it in with a $15 application fee. See also ambergrantsforwomen.com/get-an-amber-grant/apply-now

Cartier Women’s Initiative Award

Black businesswomen can also try for a Cartier award. This award is for women and there’s no specification that a woman be a member of a minority group. The Cartier Women’s Initiative Award has a regional category award and a science and technology award. The regional award is $100,000 for first place, with $30,000 for second and third place.

The award goes to three women from each of seven international regions. So this award is a grant to 21 female business owners from around the world each year. Women business owners who are just getting started may qualify. Look over the complete application for more information. See also cartierwomensinitiative.com/about-us

Cartier Science and Technology Pioneer Award and Fellowship

The Cartier Science and Technology Pioneer award is new as of 2021. With this award, three more women impact entrepreneurs at the forefront of scientific and technological innovation will be recognized for a new thematic award. Open to women entrepreneurs from any country and sector, this award will highlight disruptive solutions built around unique, protected, or hard-to-reproduce technological or scientific advances.

The laureate will be awarded a $100,000 grant. Each of the two remaining finalists will receive a $30,000 grant.

Cartier also offers a fellowship program. The fellowship is an educational program geared towards the 24 fellows selected each year. This program aims to equip the fellows with the necessary skills to grow their business. Also, it helps them to build their leadership capacity by drawing upon the experience and expertise of an array of academics, practitioners, industry experts, and entrepreneurs.

The fellowship isn’t exactly a grant. But while it’s not a monetary award, the mentoring and networking opportunities could be worthwhile to apply for. See also cartierwomensinitiative.com/fellowship-programme.

Demolish your funding problems with 27 killer ways to get cash for your business.

The Native American Business Development Institute (NABDI) Grant

Are you also part Native American? Then check out this grant.

The NABDI Grant is funded by the US Department of the Interior’s Bureau of Indian Affairs. It provides funding to business owners of Native American or Alaskan Native descent. In 2019, it gave over $727,000 to 21 indigenous tribes. So this was to support economic feasibility studies for specific economic development projects or startups.

For 2020, NABDI planned to award 20-25 grants. There is no minimum or maximum amount of funding you can request. But most awards range from $25,000-$75,000. They only fund projects for one year at a time. So this is when they expect projects to be completed. To apply for a NABDI grant for your proposed economic development feasibility study, go to bia.gov/service/grants/tedc/apply-nabdi-grant.

Indian Affairs

For black business owners also with Native American heritage, it doesn’t stop there. There is more available via the Bureau of Indian Affairs. You can get financing from the federal government through the Indian Affairs branch. A person can fill out an application for up to $500,000. But business entities and tribal enterprises may apply for more.

Potential borrowers can apply with any lending institution. They just have to use the application for Indian Affairs. There are more requirements if you use the funds for construction, renovation, or refinancing. In general, you must supply a list of collateral, a credit report, and an analysis of business operations. See also bia.gov/as-ia/ieed/loan-guaranty-insurance-and-interest-subsidy-program.

The South Asian Arts Resiliency Fund

If your business is in the arts, and you’re also of South Asian descent, then check out this fund. The fund is run by the India Center Foundation. It supports US-based South Asian arts workers impacted by the COVID-19 pandemic.

The fund will disburse grants up to $2,000, depending on financial need to US-based arts workers of South Asian descent. This includes those in the performing arts, film, visual arts, and literature. Also, you must have heritage from Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka. Initial funding for the program is $20,000, but the India Center Foundation is soliciting donations to expand the grant program.

Eligibility for The South Asian Arts Resiliency Fund

To be eligible, applicants must be of South Asian descent. Also, they must work in the arts and demonstrate loss of income due to COVID-19. Also, applicants must be:

at least 21 years old
not enrolled in a degree program, and
can receive taxable income in the US

You can put grant funding toward any artistic project you can develop, create, and present within 4-6 weeks of funding. See also theindiacenter.us/artsfund.

Demolish your funding problems with 27 killer ways to get cash for your business.

Grants from the Federal Government

Grants.gov is a running list of over 1,000 available federal government grants. The website compiles grants from over two dozen government agencies. These include the SBA, USDA, and the US Department of Commerce. To find a grant right for your business, use the Search Grants tool on the website. You can sort through the list by keyword or opportunity number.

First, locate the grant you wish to apply for. Then click the opportunity number for more detail. There, you will find more information about the specific grant plus any documentation you need. To apply for a grant through Grants.gov, first register. Then, download an application package for the grant you want. Be ready for a lengthy process. See also grants.gov.

An Alternative to Grants for Black Business Owners: Crowdfunding

If you would rather not rely on grants so much to fund your business, crowdfunding is a viable option. Keep in mind, not everyone with a campaign on a crowdfunding site succeeds. More unique products and services tend to do better. Kickstarter and Indiegogo are two of the most popular crowdfunding platforms to use. Some platforms may have higher success rates.

An Alternative to Grants for Black Business Owners: Angel Investors

Angel investors are informal investors. Essentially, you sell a part of your business to them. But they tend to not want too much of your business. Also, they won’t pass by more conventional businesses, like crowdfunding and venture capital. Hence they can also supplement or replace grants.

An Alternative to Grants for Black Business Owners: Loans

If grants aren’t an option, loans might also work.

Business Center for New Americans

Also an immigrant? Then try the Business Center for New Americans. They offer a pilot program for microloans up to $75,000. They work with immigrants, refugees, women, and other minority entrepreneurs. The goal is to help minority business owners who have not been able to get traditional financing. Terms are 3% interest. Loan repayment term goes up to a year. See also accompanycapital.org.

Grants for Black Business Owners: Takeaways

There are several options for grants for minority business owners. Black entrepreneurs should apply for whichever grants they feel they are most likely to get. Other options for funding include crowdfunding, angel investors, and loans. Credit Suite can help you get the funding you need.

The post Check Out all the Grants for Black Business Owners Out There! appeared first on Credit Suite.

How to Choose the Right Business Bank Account

Starting your own business is one of the most rewarding ways to make a living. You get to see profits and growth as a direct result of the hard work you put in. But being a small business owner – or freelancer – comes with all sorts of unique challenges. In addition to selling your product or services, you also have to handle scheduling, bookkeeping, and financials for yourself.

Making sure you’ve got the right tools in place can make a huge difference to the success of your business. One of the tools you’re going to need: a solid business bank account. Below we take a look at why you need a business bank account, how to make the best choice when deciding on which business bank account to choose, what features you should be looking for, and how to make sure you’ve got a solid application for approval.

Why You Should Open a Business Bank Account

First off, let’s take a look at some of the reasons you need to open a business bank account in the first place.
It helps you keep your personal finances and business finances separate

The main advantage of having a business banking account is that it allows you to separate your personal finances from the finances of your business. If you’re a freelancer or sole proprietor, this saves you time and energy come tax season. If you’ve got employees then having a business bank account is something you’re definitely going to need.

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

It Lets You Maintain Better Bookkeeping for Taxes

Did we mention that taxes are important for small businesses? They are. Having a separate account for your small business lets you easily know what is a business expense and what isn’t. That makes for a streamlined process when filing taxes or handing them off to an accountant. The process saves you time and money. Also, mixing up personal and business finances is one of the easiest ways to get yourself in trouble with the IRS.

It Makes You Look More Professional to Customers, Clients, and Peers

Opening a small business account means you accept payments to your business name. This means if a customer were signing a check to your company they’d make it out to the name of your business, rather than to your name personally. That perception matters.

It Allows You to Start Building Credit for Your Business

A small business bank account is the cornerstone to building your business credit. This allows you to apply for things like business credit cards, mortgages in the business name, and business lines of credit. All of these are important things for growing your company in the future.

What Companies May Have Difficulty Opening a Business Bank Account?

Just because you’d like to open a business bank account doesn’t automatically mean you’re going to be able to. When you apply for a business bank account the bank will do background checks to make sure that you’re going to be a good customer.

Common reasons why someone might be denied a business bank account include poor personal or business credit history, the registered location of the company, engagement in banking activities that are deemed high risk, and association with high-risk industries. The last issue can be a particular problem for folks trying to open up a small business. While their own activities might be perfectly legal – or legal in their own state – association with an illegal business can sometimes lead to rejection.

For instance: when a person is selling CBD they might get rejected for its association with marijuana, which remains illegal at a federal level. Another example of high-risk clients for banks is any company that may have a high degree of chargebacks from customers, like the travel industry.

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

There are a couple of things you can do to help your high-risk business get approved for a bank account. The first is very basic: make sure you have got all of your legal documentation – and other material needed to sign up for a bank account – in perfect working order when going through the application process.

Being meticulous about what your business is and how it operates makes it harder to be turned down. You can also look for merchant accounts that specifically deal with high-risk clients, though those accounts can come with greater fees.

Things to Look for in a Business Bank Account

There are a number of different factors to consider when looking for a business bank account. Here are some things you’re definitely going to want:

Mobile and Online Banking

You shouldn’t have to go into a brick-and-mortar location to do your banking. Being able to bank on the internet – and on your phone – means that you can get your banking done anytime and from anywhere.

Mobile Check Deposits

If you’re able to bank on your phone, you also want to be able to deposit checks through the app. That way you’re not encumbered with going into a physical location every time you have a check to cash.

Easy Access to Transaction Records

When running a business you’re going to want easy access to all the money going in and out of your account for bookkeeping purposes. Having easy access – and easy to understand – transaction records makes that a lot easier.

Separate/Sub Accounts for Taxes and Expenses

Having sub-accounts within your main account where you can automatically allocate money for taxes, savings, and expenses makes it easier to make sure you’re actually turning a profit with your business. It’s also imperative to the wildly popular profit-first model.

No Hidden Fees

Understanding what you’re paying for each month and how much it costs allows you to save for the future. With tons of great options for a business bank account, you shouldn’t be putting your hard-earned money towards paying unnecessary banking fees.

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

Tips to Get Approval for a Business Bank Account

After you’ve decided which business bank is right for you, you’re going to want to look at what you need to open for a business bank account. The type of information varies depending on whether you are a sole proprietor, LLC, corporation, or partnership. You can double-check that you have the proper documentation necessary by taking a look at this article. In general some things you’re going to want the following:

A certificate with name and date of birth
Organizing document that has been filed with the state
Partnership agreement
Monthly credit card revenue if opening a merchant account
EIN
Personal identification
Business license

Here are some common reasons why you might be denied a business bank account:

The business name you submitted to the bank is not the exact same name and spelling that is on your business license
Your business name denotes the fact you’re in a high-risk or illegal activity (Examples: Frank’s Guns)
You’re using a residential address or PO Box for a retail business. Virtual addresses can be accepted but you may have trouble getting a D-U-N-S number if you use one. The DUNS number is a unique number associated with your business that is used to support credit reporting
You have a poor credit score with a previous business or personal account

Getting started with a business baking account can seem intimidating at first, but having a business account for your company will save you a lot of time and hassle in the long run.

Graham Isador is a writer in Toronto. His work has appeared at GQ, VICE, and Men’s Health, among other places.

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