32 Free WordPress Themes For Effective Content Marketing

You already know that WordPress is a popular CMS and that most content marketers love it for their business or personal blog. But there’s a question lingering: How do you choose the right free WordPress theme when there are so many out there?

Trust me; it’s not as easy as you think.

When I started blogging, one of the crazy activities that killed my productivity was checking out new personal blog themes. I just couldn’t find the right one for me. But I know better now.

The reality is you need to find one of the responsive WordPress themes for your personal blog launch’s success.

Did you know that your success as a content marketer goes beyond writing great content?

There are so many factors that will ensure that you’re always at the top of your game and getting the juice from any given search engine.

Your attitude to work, the way you market your content, and, most importantly, your blog’s look all play a key role. It must have a responsive design, not just be pretty.

Investing in a professionally-looking theme is important, but what if you’re just a beginner and you want a free WordPress theme that still looks gorgeous?  Can you find one?

Sure you can. I decided to write this article because I get a lot of emails from readers who want to find the right WordPress themes that will aid in effective content marketing.

A free WordPress theme is great, but don’t forgo a responsive design for your personal blog when many themes have a very cost-effective, one-time fee.

Trust me, I’ve got you covered. Without much ado, here is a list of 32 professional, free WordPress themes that you can download:

1. Sparkling [PreviewDownload]

sparkling free wordpress theme

It’s time to sparkle your personal blog. If you’re looking for a flat, clean, and professional-looking theme, Sparkling may just be the right one. It was developed using Bootstrap 3.

This modern theme has a front-end framework feature that optimizes it to display smartphones, desktops, tablets, and other devices well. This WordPress theme is unique from the millions out there because of its pixel-perfect design, full-screen slider, and widgets that you’ll fall in love with.

‘Sparkling’ is built to have a premium layout, and every content marketer who prides content above everything else will benefit from it. If you’re looking for one of the SEO-friendly responsive WordPress themes, you’re in luck.

It’s Schema compatible — which is great for SEO. Most of the free and paid plugins out there are supported, such as SEO by Yoast, W3 Total Cache, Quick AdSense, Akismet, Contact Form 7, Gravity Forms, and more.

For effective content marketing, you need a WordPress theme that hands control over to you so that you can add, modify, or delete any plugin, section, or even modify the layout as you see fit.

Whether you’re interested in using the Sparkling WordPress theme for your personal use or business, you’ve won the jackpot. This theme cuts across different industries such as education, business, web design, marketing, health and fitness, and many more.

2. Dazzling Free WordPress Theme[PreviewDownload]

dazzling free wordpress theme

Dazzling is an unrivaled responsive theme. It’s developed using Bootstrap 3 and comes with an optional full-screen slider. This is useful when you’re building your first corporate or portfolio site.

This flat theme has mint green accent colors and will inspire you to embrace the best side of content marketing. I’m fond of this theme because it’s clean, unbeatable, and will enhance your personal brand. What more could you want?

Startup entrepreneurs, CEOs, and public speakers will benefit from the full-screen slider because they’ll use it to showcase their keynote speeches or other key presentations.

Dazzling WordPress theme includes added optimization for a lot of the essential plugins and custom widget designs out there, such as All-in-one-SEO Pack, JetPack, Contact Form 7, and more.

3. OceanWP [Preview — Download]

oceanWP free wordpress theme website

OceanWP is a single theme, but it’s so customizable that it feels like getting multiple themes all at once. With more than 3 million downloads, there’s a good chance you’ve come across a few websites using this ultra-flexible theme.

What really stands out about OceanWP is its demos — these are essentially fully-build websites you can copy and then customize. The theme is fully responsive, offers fast load times, built-in SEO features, and is translation ready.

If your business sells physical or digital products, OceanWP has you covered with built-in WooCommerce functionality.

4. Travelify [PreviewDownload]

travelify free wordpress theme

Travelify is another free WordPress theme. It has some premium functionalities that allow you to change the theme layout (full, no sidebar, or wide, for example).

This responsive WordPress theme is mobile responsive, modern, and can be used for virtually any subject or business objective. For example, if you’re a content marketer, Travelify puts value on your content and highlights your best work for your readers to enjoy.

It’s a pixel perfect design, with a featured slider which you can turn off with a single click. The flexibility that the theme offers enables you to alter its layout until it suits your objective. You can also use a background image to customize the theme to your brand.

5. Ascent Free WordPress Theme[PreviewDownload]

ascent free wordpress theme screenshot

Ascent WordPress theme is designed with responsiveness in mind. This means that it’ll appear well on tablets, smartphones, laptops, and desktop of all sizes. The innovative technology used is based on CSS3 and HTML5.

What I like about Ascent is the richness of the slider that appears above the header. It’s more than just a personal blog; it’s a visual blogger’s dream.

In other words, your pictures get an added optimization that would make them stand out from the rest. If you’re a photographer, digital marketer, or content marketer, you can use Ascent to improve user experience.

This theme has been downloaded over 30,000 times, making it one of the most popular responsive WordPress themes of both professional and free.

A right and left sidebar gives you added flexibility, and this theme is translation-ready. This is essential if you’ll be serving a wider audience in different languages.

6. Auberge [PreviewDownload]

auberge free wordpress theme screenshot

Do you struggle to create the right content for your customers? You’re not alone. If you want to attract and nurture an audience with your personal blog, you need various content.

But, let’s assume that you’ve created a variety of content; how do you showcase all of them in the right manner? You need the right WordPress theme and Auberge may just be the right one.

This impressive WordPress theme is free, professionally-designed and it’s currently used by over 30,000 blogs. Auberge’s overwhelming quality and usefulness make it a one-stop theme for those who want to expand their content marketing reach.

Auberge is built around a mobile-first design concept, which makes it 100% mobile responsive. One vital reason why you probably should consider this theme is because the content can be easily showcased on retina displays that have high resolutions.

A challenge that most site owners face when showcasing their best content, is resizing and compatibility issues, which severely drops the value of the content.

The theme would suit every niche, but it’ll probably best serve restaurants and cafe pages. When constructing your pages, you can use the Beaver page builder plugin. You can download and use the lite version at no cost.

7. Hestia Free WordPress Theme [Preview – Download]

hestia free wordpress theme

Hestia is a website builder that features a slick, fully customizable design. Don’t let their branding as a”one-page theme” make you think it will limit you — you can build a fully functional, multi-page site with this theme.

Top features include easy to use customizer, WooCommerce ready, page builder compatibility, and fast load times. It is also SEO friendly and provides clean, optimized code for fast loading times.

If you are looking for a highly flexible theme with e-commerce capabilities, Hestia is a solid choice.

8. Awaken [PreviewDownload]

awaken free wordpress theme

Awaken WordPress theme is free and has a 4 out of 5-star rating. If you’re fond of a minimalist design, this theme is for you. It’s extra white spaces push your content to the forefront and eliminate distractions.

Awaken is a magazine theme that includes two widget areas. The posts are also showcased, using three distinct widgets.

The layout of this theme is constructed using the Bootstrap framework, with mobile responsiveness in mind. In particular, mobile users will benefit from your blog, if you use this theme.

Another essential feature of Awaken is the nifty slider. The theme options panel gives you added flexibility, which enables you to change the theme color, font attributes, and links.

9. Neve Free WordPress Theme [PreviewDownload]

neve free wordpress theme screenshot

Neve is a light, modern WordPress theme that will serve your content marketing needs because it has clean and validated code.

This means that no matter how minimal your technical skills, you can edit and structure your theme to display your content well.

With basic HTML/PHP knowledge, you can structure your content display area. If you’re not a skilled developer, you don’t have to worry, because the theme options panel enables you to update your settings, including custom header and footer designs and layout.

One other feature of Neve WordPress theme offers easy setup, reliable updates, fast load times, and it is compatible with AMP.

Neve is focused on being lightweight, fast, and easy to use, making it an ideal free WordPress theme for beginners or anyone who wants an easy-to-build site.

10. The SSMAG [Download]

SSMAGE free wordpress theme

SSMAG is a mobile responsive, plug and play free WordPress theme that has a grid-based layout. Content creators will find this theme useful, because of its feature that positions your content to go viral– well-designed social share buttons.

The design layout is optimized to engage readers and to cause them to explore your site further. SSMAG was created in 2015. It has custom widgets, to display text and HTML elements.

Apart from being browser compatible, the SSMAG theme supports embedded video, which will play a vital role in explaining what your blog is all about, instead of using your featured image on a post page.

11. Albar Free WordPress Theme [Preview – Download]

albar free wordpress theme

Albar is a multipurpose WordPress theme that can be used to build a business website, portfolio, e-commerce store, or blogging site. It is responsive, which means it easily adapts to all types of devices including tablets, mobile phones, and desktop computers.

The theme features minimal settings to make it easier to use, but enough customizations to let you build exactly the site you need. It is lightweight, scalable, and offers security features so your site will be fast and secure.

12. Esteem Free WordPress Theme[PreviewDownload]

esteem free wordpress theme

Most beginners to blogging are looking for a WordPress theme that will showcase their portfolio or samples so that potential clients can find them easily. If that’s what you’re after, Esteem will be the right personal blog theme for you.

Esteem is a simple theme that offers unlimited theme color options so that you can change the feel and look of your site to stand out from the competition. The Esteem theme comes with two custom themes.

One of the themes is custom-built to display your products, portfolio or services. You can upload and set your custom logo and site title from the theme options panel.

If you want to gain traction, nurture a loyal audience, and establish your brand online, you should leverage the Esteem theme customizable header image.

13. Accelerate Free WordPress Theme [PreviewDownload]

accelerate free wordpress theme

Who says that you can’t find a modern WordPress theme with a premium look for your site?

Well, Accelerate is right here to fill that spot. Accelerate is a super flexible theme that’s suitable for portfolio, personal, travel, corporate, or business services sites.

If you’re an artist, like a photographer or illustrator, you can use the fullscreen slider to showcase your best work.

Accelerate theme sends a strong, clear message to your target audience, through its flat and straight-forward design that blends perfectly with your content (video, blog posts, audio, etc).

Accelerate is fully responsive and displays well on any type of mobile device. Moreover, the theme is retina-ready, to enhance your audience viewing experience and lower bounce rate.

14. Ample [PreviewDownload]

Ample free wordpress theme

It’s time to personalize your blog with this eye-catching and professional theme. Ample is a free minimalist and multipurpose WordPress theme that comes with feature-rich options for customizing your layout and setting the right metrics for your site. Mobile device responsiveness helps your search engine results.

Building your personal brand is an essential part of running a successful online business. So, it’s necessary to customize your site, by adding a professional logo and relevant header text that will appeal to your target audience.

Ample multipurpose WordPress theme is suitable for business or personal blog use and will play well in any industry, but it’s particularly useful for authors, freelance writers, and book review writers.

15. WP-Premium Free WordPress Theme[PreviewDownload]

wp premium free wordpress theme

If you’re familiar with Copyblogger, you’ll agree with me that their first theme looked similar to this theme. I also know a few bloggers who started out with this theme, but later changed when their business grew.

Why am I saying this?

Well, it’s to let you know that WP Premium free WordPress theme provides a rich experience for the end-user, as well as premium functionality and a trendy look.

If you’re looking to start a serious blog, you should consider using WP Premium. It’s 100% responsive, which means that your texts and images will display smoothly on any device.

This theme is powered by Foundation – a front end framework that’s flexible, user-friendly, and professional.

WP Premium takes a content-first approach. The homepage widget areas let you manage your sidebar, header, navigation menu, and footer. Other functionalities are a wide selection of widgets, such as the author widget that displays relevant information about the author or blog owner.

You also have the advertisement widget, for monetizing your blog content with AdSense, ClickBank, CJ, and any third-party affiliate network that supports HTML code and CSS.

16. Quickstart [PreviewDownload]

quickstart free wordpress theme

This is a free and professional theme from Gabfirethemes.com. What differentiates this theme from others is the fact that you can structure your personal blog layout as you want it to be.

Your category page doesn’t have to be a bland list of articles; you can now put the right content there and re-engage your audience. From the themes control panel, you can select alternative header templates quickly. No coding experience is required to effect this change in a highly responsive design.

Localization support is also enabled, because Quickstart was designed to appeal to international and local site owners. It supports multiple languages and it’s compatible with WPML’s multilingual plugin.

There is also another feature that makes this theme unique. The Gabfire module.  This is an extended functionality that enables users to embed videos and default post images, so that the difficulty associated with embedding YouTube videos, for example, is eliminated.

Quickstart free WordPress theme is equipped with a single post image slider, category templates, page templates, and an advanced control panel. It’s search engine optimized and mobile one of the mobile responsive WordPress themes we like.

17. Astra Free WordPress Theme[PreviewDownload]

astra free wordpress theme screenshot

Astra has some amazing functionalities that you’ll love. This is a professional-looking theme that would have sold for $39 or more, but you can download and use it as a free WordPress design.

It has a clever ‘above-the-fold’ slider that displays your best and latest works. If you’re an author, you can use this to showcase your book. If you’re an artist, such as a photographer, illustrator, or web designer, this sleek slider will be very helpful for you.

Astra free WordPress theme displays your content using the default font face that’s clear and professional. If you’re an intermediate blogger or online entrepreneur and need a sophisticated theme that has all the modern functionalities intact, Astra may just be the right one for you.

18. Onesie [PreviewDownload]

onesie free wordpress theme screenshot

As the name implies, Onesie is a flat and free WordPress theme. It’s a one page, responsive theme and can be used for business or personal blog purposes.

It adapts to different screen sizes, making it possible for your texts and images to display perfectly on iPads, iPhones, tablets, and other mobile devices, including smartwatches.

Onesie is easy to customize. You can change the background image to whatever you want. The header images can be customized to your taste.  You can also create custom navigation menus, choose the right font, and alter the layout design for optimal user experience.

Onesie is browser compatible, which means that it displays perfectly on popular search engine platforms that your target audience will most likely be using, such as Mozilla Firefox, Opera, Google Chrome, Internet Explorer and more.

It also contains standard theme features, such as the theme options, automatic updates, and translation-reader functionality.

19. Path [PreviewDownload]

path free wordpress theme screenshot

Note: Path is no longer free, but at just $14, it’s still incredibly affordable and may be worth the cost if you love the features! 

You can use Path, a stylish WordPress theme, if you’re working on a multi-author or magazine-related site.

One powerful functionality of Path is that you can use the built-in WordPress custom header to manage your site’s feel, control the logo and other branding aspects of your site, as long as it’s in agreement with WordPress and Hybrid Core.

Several plugins, such as Gravity Forms, Social Path, SEO by Yoast, and more, are fully supported. No matter your industry, as long as you’re passionate about building a community, creating viral content, and generating leads for your business, you can use the Path theme.

20. Sinatra Free WordPress Theme [Preview – Download]

sinatra free wordpress theme

If your theme looks professional, it’s going to give you a mindset that makes you think as if you’re on top of the world. You might be a personal blog beginner, but it wouldn’t make any difference – because you’re already on the right foot.

Sinatra is one of the most lightweight and easily customizable WordPress themes that you can download for free. It’s designed by sinatrateam.

This is one of those themes that could have been sold for $39 or more, but the company decided to give it away. While it’s still free, you can download it for your next blog.

It’s mobile responsive, SEO-friendly, and contains multiple layouts for customizing your blog so that your content gets attention. It’s also translatable and built with SEO best practices in mind.

21. Calenotis Magazine [Preview]

calentosis magazine

Calenotis Magazine WordPress theme comes free of charge. It’s ideal for any type of project.

If you’ve just launched your book (whether ebook or hardcopy), or you want to create in-depth content that will generate organic traffic for you, this magazine theme will do the job right, from the very beginning.

Calenotis is a popular theme used in the health and fitness industry. The majority of the internet marketers out there aren’t aware of this theme. If they were, why would they not be using it?

The good news is that you’ve got the chance to use it while it’s free. The fullscreen slider will house your best works, latest pictures, upcoming programs, and more. This theme was designed using the minimalist principle – “omit needless things!”

The default font size for the body text may not be perfectly legible, but with HTML and CSS experience, you can always change your text’s size to suit your users.

22.Portum Free WordPress Theme[Preview – Download]

portum free wordpress theme

Portum WordPress is free, responsive, and has a stylish front page slider where you can showcase your best work. This theme also supports modern web tools and plugins.

Site speed is one of the Google ranking factors that you’ve got to always consider. This theme is super fast. Your users will thank you for it.

The single post area is professionally designed, and the font style and size are carefully set to make maximum impact. This is a true, modern free WordPress theme that’s responsive, used by thousands of sites, and is absolutely free.

23. Typepress [Download]

typepress free wordpress theme

Typepress is a free and colorful WordPress theme. Colors drive people. In fact, in the psychology of colors, certain colors have proven to improve click rate on call-to-action as well as increase sales.

If you’re looking for a free theme that will be colorful, agile, and has all the powerful functionalities to build your business, Typepress could be your answer. It was developed by Arm Studio and released for free to the world.

Browser compatibility is one feature that makes this theme a resourceful one. No matter what browser that you or your visitors are using, they’ll not have issues reading your content, watching videos, or downloading your report. Even on mobile devices, mobile users will enjoy navigating your site because of it’s mobile-friendliness.

24. Foodica Lite Free WordPress Theme [Download]

foodica free wordpress theme

Not all content marketing sites are business blogs or news sites. If you’re looking to build a food or recipe-based website, consider Foodica.

Foodica fills the food-blog gap by providing a beautiful, easy to use theme for food or recipe-based websites. It features a beautiful slider, responsive layout, and featured slider support for posts.

Note that there are two versions of Foodica — the Lite version is free, while the Pro version costs $69 and comes with additional customizations, support, and a recipe index.

25. Business Free WordPress Theme [PreviewDownload]

business free wordpress theme

When you mean business (a site that will make you money), you’ve got to consider a theme that was designed for that. There are several ways to monetize and make money from a blog.

That said, do you know that the manner by which you place your affiliate links, promotional banners, and other calls-to-action plays a vital role in your conversion rate?

Absolutely. It does!

Business WordPress theme may be free, but it comes with premium functionalities that make it easier to advertise on your blog like a pro. Apart from the monetization aspect, the single post is given top priority, as well.

You can customize your logo, header image, background color, or other images. Its responsive design with the drag-and-drop slideshow interface gives you an added experience, and your site visitors will fall in love with it.

26. GreatMag [PreviewDownload]

great mag free wordpress theme

GreatMag is 100% free to use. It’s a magazine theme and has features that enable you to optimize your homepage and add important sections such as about us, our portfolio, products, and careers.

The front page image slider is ideal for showcasing your latest completed projects, clients you’ve worked with, testimonials, or some of the works you’re proud of.

When it comes to branding, GreatMag is flexible. You can upload your logo in the header section, and it’ll be seen clearly because the space provided is large. You can also use different themes to customize your site to your liking.

It also offers bundled widgets so you can easily (and quickly) get your site up and running, works with Google Fonts, features a page builder, and is 100% translation ready.

27. Basic Free WordPress Theme [PreviewDownload]

image24

At some point in your blogging business, you’ll need to focus on getting the right content out, attracting a loyal audience, and answering their questions. You may not need a fancy theme at such points, except if you don’t have enough money to buy a premium theme. But, you can use this Basic theme.

You may think that there is nothing special about ‘Basic’ free WordPress theme, but that’s not true. Most successful marketing blogs are built on minimalist personal blog designs, with the primary focus on the content and user.

If you’re just starting out with WordPress, you need to start with a theme that you can learn from, not a sophisticated one that requires a high level of coding experience.

The layout of the Basic free WordPress theme is super simple, giving you the freedom to customize your site’s look and feel. You can achieve this through the Themify options panel.

This theme was designed with features that will take you from where you are in your content marketing career to a new level. The lightbox gallery, RSS, footer menu, 5 theme skins, social icons, child theme support, and more will enhance your blogging experience and that of your users.

28. Parallax [Preview – Download]

parallax free wordpress theme

Parallax is a free WordPress theme, and I’ve seen it at work on several industry blogs. It’s well designed and has modern features to bring your content to life. It features parallax scrolling to present beautiful images in an easy-to-navigate format.

One of the challenges of content marketing is producing engaging content. Even if you succeed at creating the right type of content, how do you present it to your audience? What format will be best for you?  Parallax is one of the responsive WordPress themes that can help here.

What if you can cut through the chase, use the different widgets for the header, sidebar, footer, and single post to showcase different content types such as videos, slide presentations, blog posts, e-books, and continue to evolve your site based on real metrics?

Parallax offers a drag-and-drop editor, meets SEO best practices, and helps increases time on page with 3D animation effects. Just remember that these images are heavy, so they can slow page speed down.

29. Airi Free WordPress Theme[Preview – Download]

airi free wordpress theme

Airi is the right WordPress theme to use for pretty much any type of business site. For example, if you run a digital camera reviews blog, you can use this theme to display your best shots, edited works, and more.

This theme is highly customizable, as it was built with the Elementor plugin that allows you to easily move all the elements around. It also supports Ecommerce if your business sells physical or digital products.

Airi also offers a bunch of demos you can import, edit, and publish. If you want a professional website done fast, this is an ideal theme to consider.

30. Live Wire [Preview]

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I like Live Wire WordPress theme because of two things: it’s free, and it’s clean. Any search engine will love its responsive design. It’s primarily designed with mobile in mind and includes an advanced options panel for structuring your layout. It supports Hybrid Tabs, post formats, Gravity Forms, and much more.

Live Wire has features that make it possible for you to customize several elements, such as your navigation menus, layouts, CSS, and even your background.

The theme also includes breadcrumbs, sticky posts, translation-ready capability, featured images, and more.

Note: LiveWire hasn’t been updated recently, but it still gets great reviews. Just keep in mind you could have issues with newer WP features and plugins. 

31. Hemingway Free WordPress Theme[PreviewDownload]

hemingway free wordpress theme

Hemingway’s free WordPress theme is specifically made for bloggers who want to improve their blogs. This theme was designed to conform with the latest version of WordPress, it’s streamlined, and it has the parallax scrolling effect.

It features a two-column layout that was designed specifically with bloggers in mind. Other features include retina-ready assets, block-editor supports, and customizable styles.

As a high-quality theme, Hemingway is sleek, but the developers kept it minimalist design style that always puts content first compared to some other highly responsive WordPress themes. It’s mobile responsive, which means that any device can display this theme perfectly.

32. Fullby [PreviewDownload]

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Fullby was inspired by Twenty Fourteen, one of the world’s most popular themes, with over 1 million downloads. At first glance, Fullby gives you that feeling of a professional site, because of its layout design.

The framework for this free WordPress theme is based on the latest Bootstrap framework. This is a grid style, lightweight, and fully responsive (displays well on any mobile or desktop device) theme.

You’ll also like the lightweight theme, which includes two customizable images, and the featured option for the posts can be structured exactly as you want it.

This is a good platform for your content, and the galleries and videos that are supported make this theme a favorite for most celebrities. If you’re a blogger, you’re a celebrity, too.

This Fullby free WordPress theme is fully optimized for search engines and has functionalities for your single post page and custom sidebar.

Conclusion

There, you’ve got it, the 32 professional, free WordPress themes to help make your content marketing more effective. Remember that it doesn’t matter which industry your working in because as much as content is king, design is the prime minister.

Getting one of the most responsive WordPress themes is important, even when starting. And there are so many to choose from.

When you give ample time to choosing the best theme for your blog, especially at the beginning, you’re establishing your foot in your industry. Your brand becomes noticeable to your target audience, and, trust me, that is priceless.

What is your favorite free WordPress theme, and why do you love it? 

The post 32 Free WordPress Themes For Effective Content Marketing appeared first on Neil Patel.

How Business Credit Can Help With Effective Hiring

Effective hiring should be on every business owner’s list.

Here’s What You Need to Know About Effective Hiring and Business Credit

I once spoke with a small business owner who had recently won a multi-million dollar consulting contract with the U.S. government. This contract required him to seriously ramp up his operation with more employees and the additional infrastructure that he would need to accommodate the increase in headcount. A problem most small business owners would like to face, right?

He had a lot of experience working with government contracts. And he was familiar with the payment cycle for the invoices he regularly sent for payment. He knew he would be paid. But he also knew it would take over 30 days. This made it difficult to float all the ramp-up costs with his cash flow.

This is a common challenge faced by many small businesses that need to ramp up to service a new client or meet the demands of a new contract. Fortunately, this business owner could access borrowed capital to meet this short-term need. Fueling growth is a good use case for borrowed capital. His credit profile allowed him to meet the demands of his new government contract without the insurmountable cash flow burden that would have otherwise been required.

Proactively approaching your credit profile today, to turn it into a tool that you can  strategically leverage to foster growth when needed—which often means hiring more employees—should be top of mind for every small business owner.

Learn more here and get started with building business credit with your company’s EIN and not your SSN. Get money even in a recession and put it toward more effective hiring!

Building Your Credit Profile into a Strategic Tool

Effective Hiring Nav Credit SuiteBuilding a strong credit profile isn’t rocket science. But it isn’t something that just happens either. What’s more, if you have a less than perfect credit profile, it isn’t going to change overnight. Slow and steady wins this race.

For most small business owners in the United States, your personal credit score will be a part of every business creditworthiness conversation so it’s important to understand what lenders see when they look at your personal score. Fortunately, so far as personal credit is concerned, your score is easy to translate. Here is what it means:

Above 800 (excellent)

A credit score of 800 or better puts you in pretty elite company. Borrowers in this range are considered consistently responsible when it comes to managing debt. They have a long history of no late payments. Plus they carry low balances on their personal credit cards. They are considered at low risk of default.

740-799 (very good)

This is considered a very good score and tells lenders you are generally financially responsible when it comes to money and managing your personal credit. Although you may have an occasional late payment, most of the time you make timely payments on your personal loans, credit cards, utility payments, and mortgage. It also indicates that the balances you carry on your personal credit cards are generally low (below 30% of available credit).

670-739 (Good)

If your score falls in the upper part of this range, you are a little better than the average U.S. consumer whose FICO score is around 704. Although this borrower shouldn’t have too much trouble obtaining financing, there will be some options unavailable to them. Although they are unlikely to be offered the same low rates and favorable terms of those with Very Good or Excellent credit.

580-669 (Fair)

Borrowers in this range may have a few dings on their credit history, but no serious delinquencies. It’s still possible to get financing. But it will not be at very competitive rates. There will be limited options.

Under 580 (Poor)

This score represents what could be multiple defaults on different loans from different lenders. It could also represent a bankruptcy, which will remain on your credit report for 10 years. Borrowers with scores this low will have very limited business loan options. They should expect to pay some of the highest rates on business financing if approved. Borrowers with a score in this range should focus on repairing and rebuilding their score.

No Credit

Although there is a difference between Poor Credit and No Credit, the results are similar. When building a personal credit history, don’t be afraid to start small. Make sure you pay your utility bills and meet your other personal financial obligations in a timely manner.

Now that you know what your personal credit score means, you need to know how it’s calculated so you can take the right steps to build or improve your score.

How is My Personal Credit Score Calculated?

Most of the personal credit reporting bureaus base their credit scores on the FICO score. Although if you check your score with different reporting agencies there might be some slight differences, the basis for those scores is all the same. Here is the formula:

35% Comes from Your Payment History

In other words, the single most important thing you can do is to make each and every periodic payment in a timely fashion. Most creditors understand the difficulties people are facing right now. But that doesn’t mean you’ll get a pass. It’s important to stay current. Do not let a debt obligation go 60-, 90-, or 120-days past due.

30% Comes from Your Debt to Credit Ratio

In other words, the ratio of debt you use compared to the amount of credit you have. The credit bureaus don’t like to see maxed out credit accounts. A good rule of thumb is to keep that ratio below 30% (lower is even better). But anything over 50% is a big red flag that will keep your personal credit score in the basement.

15% Comes from the Length of Your Credit History

Lenders are trying to make decisions about what you will do in the future based on what you’ve done in the past. So a longer track record is better than a shorter track record. You’ll probably get some allowance for the first half of 2020. But if you have chronic credit problems dating from before the crisis, you need to get to work on making improvements to your credit habits.

10% Comes from the Type of Credit You Use

For example, credit bureaus look at mortgages, auto loans, credit cards and other revolving debt through a different lens. Creditors want to see a mix of credit. So if the only credit account you have is your mortgage, a little diversification will help your credit score.

10% Comes from New Credit Inquiries

While it’s true that new inquiries can impact your score, the amount of impact is relatively small. That is particularly true if you are consistently current with your payments and aren’t maxing out the limit on your credit cards every month.

Before we talk about how to improve your credit to maximize your ability to access borrowed capital to hire new employees or otherwise ramp up for a new contract, we need to address business credit. What makes it different from personal credit and some of the synergies created by a strong personal credit score and a robust business credit history.

Learn more here and get started with building business credit with your company’s EIN and not your SSN. Get money even in a recession and put it toward more effective hiring!

How is My Business’s Credit Profile Reported?

Like the credit bureaus that report on your personal credit history, there are business credit bureaus that report on your business credit history. They consider how you pay your suppliers, your landlord, your utilities, your business credit cards, and how you may payments on any other business loan or business debt you might have.

With the exception of the FICO SBSS credit score, which is a composite of your personal and business credit used by the SBA to evaluate a loan application, you should consider your business credit as typically a collection of scores, rather than one universal score like your personal score. Every business credit bureau creates this profile differently. So no two business credit reports will look exactly the same. Regardless of how long you’ve been in business, you have a business credit profile that includes detailed information about your business and your business credit history.

Your Business Credit Score is Different

Although your personal score is considered private, your business profile is public to anyone who wants to see it. The basis of your business profile is whether or not the majority of your credit interactions are positive or negative. The goal here is to meet all your business obligations as agreed upon. 

Additionally, your credit history is a measurement against other businesses in your industry. And this includes if they are considered more or less risky from a credit perspective. Your history is also compared to other businesses in your region, of your size, and annual revenues. This is to make a recommendation to creditors on your business’s potential creditworthiness.

Improving Your Business Credit Score

Irrespective of personal or business credit, the single most important thing you can do to build a positive profile is to make your periodic payments in a timely manner. If you want to build your credit into a strategic tool you can use to fuel growth, here are 4 things you should start doing today:

Make Sure Your Profile is Accurate

There is a lot of negative credit activity going on right now. Plus, it’s easy to confuse businesses with similar names or addresses. So it’s more important than ever to make sure the things reported about your business are accurate and reflect your credit practices. If you find an error, all the major business credit bureaus have mechanisms to correct the mistakes you can verify.

Keep Your Personal and Business Credit Separate

This can be hard for young businesses that don’t have a lot of business credit yet. But using your personal credit for business credit purposes not only doesn’t help your business profile, it could actually hurt your personal credit score. Since 30% of your personal score comes from how much credit you use compared to how much you have, the higher balances often associated with business expenses can negatively impact your ratios. If you want to keep your personal score as strong as possible, while building your business profile, avoid the temptation to use your personal credit to pay for a business expense.

Establish Trade Credit Accounts with Your Suppliers

This is one of the most underrated ways to build a strong business profile. Most vendors are willing to offer payment terms to their good customers. Although it’s not a business loan, if they report your good credit behavior to the appropriate credit bureaus, this valuable credit will help you build a strong business credit history. This will enable you to borrow when you really need to.

Use the Credit You Need and Stay Current

Businesses large and small leverage borrowed capital to fuel growth and fund other business initiatives like effective hiring of new employees. The biggest thing you can do to build a strong profile is to use the credit you need and make sure you make every periodic payment. Lenders look at your history because they want some assurance that you will make timely payments to them. It helps if they can see you’ve done so in the past.

Learn more here and get started with building business credit with your company’s EIN and not your SSN. Get money even in a recession and put it toward more effective hiring!

Effective Hiring of New Employees Can be ExpensiveEffective Hiring Nav Credit Suite

Effective hiring of new employees often includes expense beyond the addition of another paycheck. For some companies it might be a new computer and workstation. For others it could be something else. Most of these upfront expenses are relatively short term. So many small business owners opt to finance them with either a business credit card or even a small business loan depending on the cost. The business owner I described at the beginning of this article opted for a small business loan.

He had worked to build his credit profile so he could use business financing as a strategic tool when he needed it. So he could borrow the money he needed to ramp up employees and infrastructure to service the new contract. And he could repay the loan once he started to get regular payments from his government contract.

Effective Hiring and Business Credit: Takeaways

As a small business owner accessing borrowed capital has always required a good personal and business credit history. But especially now, many lenders are tightening their qualification requirements tighter than ever. So it will be important to make sure your profile shows you in the best light possible. Of course, it’s no guarantee you’ll get the financing you want. But it will give your business more options to choose from—as well as put your application on the top of the pile.

Ty Kiisel for Credit SuiteEffective Hiring Nav Credit Suite

The post How Business Credit Can Help With Effective Hiring appeared first on Credit Suite.

The Most Effective Home Owner Insurance Quote

The Very Best Home Owner Insurance Quote

You might really feel that the very best property owner insurance policy quote is mosting likely to be the most inexpensive resident insurance policy quote, however that’s not constantly, if ever before, the situation. The most effective property owner insurance policy quote is mosting likely to be the quote provided by the insurer that completely examines your property owner insurance policy requires.

Make certain the house proprietor insurance coverage firm you talk with covers the complying with problems with your when you start going shopping for a house proprietor insurance coverage quote.

What do you intend to guarantee? This generally suggests a house, a condominium, an apartment, a mobile residence, or an apartment or condo or residence you rent out. This provides the homeowner insurance policy representative an embarking on factor.

Where is your residence found? The place of a house considerably impacts the homeowner insurance coverage quote, since it offers the resident insurance coverage representative a concept of what sort of criminal activity or climate aspects they might be up versus.

Have you taken supply of your house? This indicates, have you made a checklist and/or video clip of whatever in your house, concentrating particularly on one of the most useful and also priceless materials in your house. This info might lead your resident insurance coverage representative to recommend a drifter plan to ensure the properties are covered, and even recommend keeping them someplace much safer than a residence, such as a financial institution safe-deposit box.

Exactly how secure is your residence? Inform your property owner insurance coverage representative regarding any type of unique alarm, durable locks and also home windows, as well as repair services to roofings as well as actions, in addition to electric as well as pipes upgrades you’ve made. These responses will certainly allow your resident insurance policy representative understand simply exactly how secured your house and also its components are, in addition to any kind of site visitors that might stop by.

The solution to these concerns will certainly aid your homeowner insurance coverage representative identify the sort of homeowner insurance policy you require, as well as offer you with a quote based upon those requirements.

This normally suggests a residence, a condominium, a condominium, a mobile residence, or a home or residence you lease. Inform your house proprietor insurance policy representative concerning any kind of unique alarm system systems, tough locks as well as home windows, as well as repair services to roofing systems and also actions, as well as electric and also pipes upgrades you’ve made. These responses will certainly allow your house proprietor insurance coverage representative recognize simply exactly how safeguarded your house and also its components are, as well as any kind of site visitors that might go down by.

The post The Most Effective Home Owner Insurance Quote appeared first on ROI Credit Builders.

The Most Effective Home Owner Insurance Quote

The Very Best Home Owner Insurance Quote You might really feel that the very best property owner insurance policy quote is mosting likely to be the most inexpensive resident insurance policy quote, however that’s not constantly, if ever before, the situation. The most effective property owner insurance policy quote is mosting likely to be the … Continue reading The Most Effective Home Owner Insurance Quote

The Most Effective Home Owner Insurance Quote

The Very Best Home Owner Insurance Quote

You might really feel that the very best property owner insurance policy quote is mosting likely to be the most inexpensive resident insurance policy quote, however that’s not constantly, if ever before, the situation. The most effective property owner insurance policy quote is mosting likely to be the quote provided by the insurer that completely examines your property owner insurance policy requires.

Make certain the house proprietor insurance coverage firm you talk with covers the complying with problems with your when you start going shopping for a house proprietor insurance coverage quote.

What do you intend to guarantee? This generally suggests a house, a condominium, an apartment, a mobile residence, or an apartment or condo or residence you rent out. This provides the homeowner insurance policy representative an embarking on factor.

Where is your residence found? The place of a house considerably impacts the homeowner insurance coverage quote, since it offers the resident insurance coverage representative a concept of what sort of criminal activity or climate aspects they might be up versus.

Have you taken supply of your house? This indicates, have you made a checklist and/or video clip of whatever in your house, concentrating particularly on one of the most useful and also priceless materials in your house. This info might lead your resident insurance coverage representative to recommend a drifter plan to ensure the properties are covered, and even recommend keeping them someplace much safer than a residence, such as a financial institution safe-deposit box.

Exactly how secure is your residence? Inform your property owner insurance coverage representative regarding any type of unique alarm, durable locks and also home windows, as well as repair services to roofings as well as actions, in addition to electric as well as pipes upgrades you’ve made. These responses will certainly allow your resident insurance policy representative understand simply exactly how secured your house and also its components are, in addition to any kind of site visitors that might stop by.

The solution to these concerns will certainly aid your homeowner insurance coverage representative identify the sort of homeowner insurance policy you require, as well as offer you with a quote based upon those requirements.

This normally suggests a residence, a condominium, a condominium, a mobile residence, or a home or residence you lease. Inform your house proprietor insurance policy representative concerning any kind of unique alarm system systems, tough locks as well as home windows, as well as repair services to roofing systems and also actions, as well as electric and also pipes upgrades you’ve made. These responses will certainly allow your house proprietor insurance coverage representative recognize simply exactly how safeguarded your house and also its components are, as well as any kind of site visitors that might go down by.

The post The Most Effective Home Owner Insurance Quote appeared first on ROI Credit Builders.

Is Content Marketing Effective? Stats Every Marketer Should Consider

There is a popular buzzword popping up all over the internet that marketers and bloggers on all levels are being challenged to understand and implement as a long-term strategy to growth and success: Content Marketing. This is an industry expected to be worth 413 billion by 2021 (MTA)! There are countless sources and statistics that …

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your …

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives

When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your funding early after that there can be hefty charges. There are some options to lendings if you desire to obtain cash:

Overdraft accounts

One of the most affordable methods of obtaining cash is with the usage of an over-limit, specifically if you desire to obtain cash on a temporary basis. Over-limits are still not a good idea as a lengthy term ways of obtaining cash, as well as the quantity of credit history you can obtain is usually rather reduced.

Charge card

Credit rating cards are one of the most typical options to financings, as well as can supply you with a great resource of additional cash when required. The significant trouble with credit report cards is that the rate of interest is normally greater than a lending, and also there is a threat of obtaining as well numerous cards.

Home mortgages

Home mortgages are possibly the ideal means to obtain huge amounts of cash over a lengthy duration of time. You can include credit scores to your home loan by obtaining versus the equity in your residence as well as including that quantity to your settlements.

Work with acquisition

Employ acquisition is valuable if you are obtaining cash to acquire an auto or high worth electric items. Vehicle suppliers usually provide this approach of obtaining cash throughout the sale.
This is an excellent approach for getting an auto as the rate of interest is usually less than a regular finance, and also it is facilitated by the truth that the credit history is offered by the vendor. It is called ’employ’ acquisition since up until you complete all of the settlements, you do not have the thing, and also if you miss out on repayment the thing can be repossessed.

Which is ideal?

Choosing if among these finance options is ideal for you can be complicated, however to aid you choose you need to exercise what it is you intend to obtain cash for, how much time you intend to be repaying the cash, and also your general monetary scenario. You will certainly discover the ideal technique of credit history for your requirements if you look at all the alternatives.

When assuming regarding obtaining cash, a lot of individuals look at car loans as the most reasonable alternative. It is real that car loans are usually a great choice for obtaining cash, they are likewise stringent, as well as if you are somebody that desires to pay back your financing early after that there can be hefty fines. There are some options to lendings if you desire to obtain cash:

One of the most inexpensive means of obtaining cash is with the usage of an overdraft account, particularly if you desire to obtain cash on a temporary basis. Credit report cards are one of the most typical choices to financings, and also can give you with a great resource of additional cash when required.

The post The Most Effective Loan Alternatives appeared first on ROI Credit Builders.

The Most Effective Loan Alternatives

The Most Effective Loan Alternatives

When thinking of obtaining cash, lots of people take a look at fundings as one of the most reasonable choice. It is real that fundings are frequently a great choice for obtaining cash, they are additionally stringent, and also if you are a person that desires to pay back your funding early after that there can be hefty charges. There are some options to lendings if you desire to obtain cash:

Overdraft accounts

One of the most affordable methods of obtaining cash is with the usage of an over-limit, specifically if you desire to obtain cash on a temporary basis. Over-limits are still not a good idea as a lengthy term ways of obtaining cash, as well as the quantity of credit history you can obtain is usually rather reduced.

Charge card

Credit rating cards are one of the most typical options to financings, as well as can supply you with a great resource of additional cash when required. The significant trouble with credit report cards is that the rate of interest is normally greater than a lending, and also there is a threat of obtaining as well numerous cards.

Home mortgages

Home mortgages are possibly the ideal means to obtain huge amounts of cash over a lengthy duration of time. You can include credit scores to your home loan by obtaining versus the equity in your residence as well as including that quantity to your settlements.

Work with acquisition

Employ acquisition is valuable if you are obtaining cash to acquire an auto or high worth electric items. Vehicle suppliers usually provide this approach of obtaining cash throughout the sale.
This is an excellent approach for getting an auto as the rate of interest is usually less than a regular finance, and also it is facilitated by the truth that the credit history is offered by the vendor. It is called ’employ’ acquisition since up until you complete all of the settlements, you do not have the thing, and also if you miss out on repayment the thing can be repossessed.

Which is ideal?

Choosing if among these finance options is ideal for you can be complicated, however to aid you choose you need to exercise what it is you intend to obtain cash for, how much time you intend to be repaying the cash, and also your general monetary scenario. You will certainly discover the ideal technique of credit history for your requirements if you look at all the alternatives.

When assuming regarding obtaining cash, a lot of individuals look at car loans as the most reasonable alternative. It is real that car loans are usually a great choice for obtaining cash, they are likewise stringent, as well as if you are somebody that desires to pay back your financing early after that there can be hefty fines. There are some options to lendings if you desire to obtain cash:

One of the most inexpensive means of obtaining cash is with the usage of an overdraft account, particularly if you desire to obtain cash on a temporary basis. Credit report cards are one of the most typical choices to financings, and also can give you with a great resource of additional cash when required.

The post The Most Effective Loan Alternatives appeared first on ROI Credit Builders.

The Most Effective Way To Get A Budget Home Owner Insurance Quote Comparison

The Very Best Way To Get A Budget Home Owner Insurance Quote Comparison The rate of a house proprietor insurance policy quote plays a huge function in choosing to buy a specific house proprietor insurance coverage plan, there are several various other contrasts you must make. Instead of pick your property owner insurance coverage based … Continue reading The Most Effective Way To Get A Budget Home Owner Insurance Quote Comparison