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Texas shelter dog who was 'so pregnant she couldn't even walk' gives birth to double-digit litter

A Texas rescue dog whose dire pregnancy rendered her immobile ended up giving birth to nearly a dozen healthy and happy puppies.

The dog, who has been named Meter Maid, was brought to Austin Pets Alive (APA) on Feb. 11 after spending three days in a municipal shelter.

The shelter staff noticed Meter Maid’s advanced pregnancy and called on the APA to assist, Luis Sanchez, APA’s spokesperson, told Fox News Digital.

GERMAN SHEPHERD DOG LOOKING FOR QUIET HOME WITH BIG YARD AFTER TEXAS RESCUE: MEET DALE

APA had shared a TikTok post revealing that Meter Maid was “so pregnant that she couldn’t even walk outside.”

Footage shows the mama dog being wheeled around and carried by staff members, who waited anxiously for her to give birth. 

“Turns out it’s because she was pregnant with ELEVEN PUPPIES!” APA shared on TikTok. “Good job, mama.”

APA employees even had a “Days without Puppies” tally to keep track of how long Meter Maid was pregnant.

Meter Maid ended up giving birth on her sixteenth day at APA – and she had an eye-popping amount of babies.

LEGALLY BLIND TEXAS STUDENT DEFIES THE ODDS, GETS ACCEPTED INTO VETERINARIAN SCHOOL: ‘ANYTHING IS POSSIBLE’

Photos show Meter Maid looking inquisitively at humans while safeguarding her trove of pups. The puppies were stacked on top of each other to get milk from their mother.

Sanchez told Fox News Digital that all 11 pups were born healthy.

“Meter Maid was found to be heartworm positive but will get her treatment with Austin Pets Alive and her foster/adopter,” Sanchez explained.

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Sanchez told Fox News Digital that Meter Maid giving birth to this amount of puppies isn’t too rare for a large-sized dog. 

“For larger dogs it is not uncommon for them to have litters in double digits,” he said.

Sanchez said that the entire family will go up for adoption in April.

“The family will be ready for adoption in a few weeks when the puppies are weaned,” Sanchez said. “For now, the litter will stay together as she cares [for] and nurses them.”

For more Lifestyle articles, visit www.foxnews.com/lifestyle.

Jason Chaffetz: That was pretty low even for Joe

Jason Chaffetz highlighted President Biden’s disparaging comments about Republicans and Americans during his speech in Pennsylvania Tuesday on “The Ingraham Angle.” JASON CHAFFETZ: There was a time in politics when disparaging half of your fellow countrymen, especially if you sought to lead them, was political suicide.  LEGAL BASIS FOR FBI RAID HAS BEEN ‘BLOWN APART’: … Continue reading Jason Chaffetz: That was pretty low even for Joe

Business Financing with Bad Credit is Possible: 5 Business Loans You Can Get Even With Bad Credit

Bad credit business loans are kind of a mystery. You probably aren’t going to find them at a traditional bank. Rather, business financing with bad credit generally comes in the form of alternative types of financing and from alternative lending sources. 

Is it Possible to Get Business Financing With Bad Credit?

If you have collateral, you may be able to get a loan, even with bad credit. Still, there has to be something to mitigate the risk to the lender. So, here are 5 options to consider. 

business financing with bad credit credit suite 4#5 Business Financing with Bad Credit: Cash Flow Financing or Merchant Account Financing

To get cash flow financing, your cash flow must be positive and well managed. That means, you must spend it wisely and avoid taking on more debt than you can handle. 

In essence, you are borrowing from part of future expected cash flows. Consequently, the payment schedule is based on projected cash flows and an analysis of historical cash flows. There may be a minimum credit score requirement.  However, it will usually  not be as limiting as with other types of funding. 

Merchant Cash Advances

A merchant cash advance is like cash flow financing.  Yet, the amount of funding and repayment is based on credit card sales. Therefore, the business needs steady credit card sales to qualify. Similarly, repayment is a percentage of daily credit card sales. Rates may be much higher than other types of funding, but credit score minimums are lower.

business financing with bad credit credit suite 8

#4 Business Financing with Bad Credit: Equipment Financing

Equipment financing is a great option for purchasing hard assets for your business. The time in business should be at least one year, and there is no requirement to provide financial statements. 

 

business financing with bad credit credit suite 7#3 Business Financing With Bad Credit: Other Collateral Financing

The amount available depends on the value of the asset being used as collateral. For this type of funding, open invoices and accounts receivable are considered assets that can be used to secure a loan.  

Inventory Financing

The inventory itself serves as the collateral for the loan. There may be revenue requirements and a minimum FICO score.  However, it will probably  not be as limiting as with a traditional loan. 

Invoice Factoring

This is an advance on open invoices, with lenders buying outstanding invoices for less than they are worth.

Honestly, the difference in what they are worth versus what the lender pays is the price you pay for getting the cash up front.  It’s not technically interest, but similar. As a result, you do not get the full amount of the invoices, but you will get the cash faster. The lender will collect the full amount and keep it. 

Account Receivable Financing

Accounts receivable financing is lending that uses unpaid invoices as collateral. Thankfully, there is no personal credit check.  Instead, credit providers consider the payment history of your customer to determine the likelihood they will pay you. 

#2 Business Financing with Bad Credit; Securities Based Financingbusiness financing with bad credit credit suite 6

This is a type of collateral financing that can take many forms. The security is investments like stocks, bonds, and investment funds. 

IRA Financing

In this scenario, the borrower invests part of retirement funds into the business. It allows more control over retirement plan assets as well as working capital for the business. 

Stocks Financing

This type of financing uses securities as collateral, providing ready access to capital. The only restrictions are that you cannot use this for other securities-based transactions.

Bonds Financing

This type of funding is usually for a large business acquisition or real estate purchase. The value of the loan is based on the borrower’s investment portfolio. The best part is, if stocks or bonds have value over $25,000, you can get approval even with bad personal credit.

#1 Business Financing with Bad Credit: FinTech Lendingbusiness financing with bad credit credit suite 5

This is lending from alternative lenders. Generally, they operate online and offer less stringent lending requirements. As a result, they also have higher interest rates. 

BlueVine

BlueVine offers invoice factoring and lines of credit. For invoice factoring, there are no reserves or minimums. There is a minimum personal credit score requirement of 530. 

They also offer a revolving line of credit for up to $150,000. To get this, a business must have revenues of $10k or more per month, and the borrower must have a consumer credit score of 600+.

OnDeck

At OnDeck, you can get  short-term loans and lines of credit. To do so, there must be annual revenue of at least $100,000. In addition, the time-in-business has to be at least 12 months, and you need a personal credit score of at least 600. 

To get a line of credit the revenue and credit score requirements are the same, but the minimum time-in-business is 9 months. 

Fundera

Fundera offers term loans to businesses with at least one year in business and $90k in annual revenue. The minimum credit score is 600. 

They also offer business lines of credit if you have at least 6 months in business and $50k in annual revenue. Collateral may be necessary in some cases, and borrowers with lower credit scores will have higher interest rates. 

To get invoice financing from Fundera, there must be at least 6 months in business and $50k in annual revenue.

Bonus: 401(k) Financing

This type of financing is not a loan. Rather, it is a 401(k) Rollover for Working Capital program. The IRS calls this type of program a Rollover for Business Startups (ROBS). 

To qualify, the plan must have more than $35,000 in it, and it cannot be a plan you are currently contributing to or with a company where you are currently employed. Better yet, there are no credit score requirements. 

Business Financing with Bad Credit Is Possible

It is possible to get business funding with bad credit, though it may not be the traditional type loan you are used to. These options can look different, but they all serve the purpose. If you have bad credit and need funding now, these are good options. However, to get the best rates and terms in the future, work on improving your personal credit score and building business credit. Want to know how to get started? Get a free Business Finance Assessment today!

 

The post Business Financing with Bad Credit is Possible: 5 Business Loans You Can Get Even With Bad Credit appeared first on Credit Suite.

How to Open Separate Business Bank Accounts Even with a Bad ChexSystems Report

If you have a bad ChexSystems report, it can be hard to open a separate business bank account. Having separate business bank accounts is vital to Fundability. If you have issues on your ChexSystems report, these options may work for you.

  • LendingClub Tailored Business Checking
  • BBVA Business Connect Checking
  • Bluevine
  • Nearside
  • Novo Bank

Why You Need Separation for Business Bank Accounts

There are a number of reasons for this. The most obvious is the IRS. They want to see business funds and personal funds separated. It’s much easier to provide this information if your accounts are already separate.

Also, your business banking history is important when it comes to Fundability. Not only that, but many lenders require a separate business bank account. They actually make it a requirement for funding approval.

This may be the most surprising reason however. The opening date of your business bank account can affect time in business. Some lenders consider the date the business account opens to be the date the business began. For example, say you opened your business a year ago.  Then, 6 months ago you opened a business bank account. Some lenders may consider your business to have begun 6 months ago, not a year ago.

The longer your business banking history, the better your borrowing potential is. More than that, many funding options require at least a year in business. As you can see, you shouldn’t wait to open a bank account for your business.

What’s the Catch?

Here’s the thing. Opening a business bank account may not be so easy if your personal banking history isn’t great.  Most banks use ChexSystems when determining whether they are going to let someone open an account.

As a result, your ChexSystems report can affect your ability to open business bank accounts. If you have an issue on your report, you may have a hard time opening a business account at a bank that uses ChexSystems.

Issues may include NSFs, closed accounts, and overdrafts. Many people have no idea ChexSystems even exists until they cannot get a loan or open an account because of it..

Don’t Let ChexSystems Destroy Your Fundability

The best thing is to avoid overdrafts, NSFs, and closing accounts. But, what if it’s too late? What if you already have a bad ChexSystems report?  There are some banks out there that offer business bank accounts without taking ChexSystems into account.

5 Business Bank Accounts That Do Not Use ChexSystems

1.     LendingClub Tailored Business Checking

  • LendingClub has a monthly fee of $10 that is waived if the average monthly balance is at least $5,000
  • Unlimited fee-free transactions
  • No ATM fees regardless of the ATM you use and unlimited refunds for fees charged by other banks
  • Available nationwide

3. BBVA Business Connect Checking

  • BBVA has no monthly fee
  • Up to five free withdrawals and/or processed checks in-branch per month, $1 after that
  • Up to two free in-branch deposits per month, $4 after that
  • Other transactions not mentioned are unlimited and free
  • No ATM fees from BBVA either in or out of network
  • Third-party ATM fees waived within the Allpoint network.
  • Available in Alabama, Arizona, California, Colorado, Florida, New Mexico, Texas.

4.  Bluevine

  • Bluevine offers a $0 minimum opening deposit
  • No monthly service fees or NSF fees
  • No minimum deposit or balance requirements
  • 50% APY interest rates for accounts over $1,000
  • No ATM fees at 38,000+ MoneyPass® locations nationally

5.     Nearside

  • Nearside has no monthly minimums
  • No NSF fees
  • Cashback rewards and perks.

 

6.     Novo Bank

  • Novo has no monthly fees or minimum balance requirements
  • Free transfers, mailed checks, and incoming wires
  • Refunds all ATM fees

 

Information You May Have to Provide to Open Business Bank Accounts

Each lender will have their own process for approving you to open a business bank account.  However, here is some general information you need to be able to provide just in case.

Business Information

Depending on how your business is set up, you’ll need to be prepared to provide a copy of incorporation papers and EIN. If you are not incorporated or do not have an EIN, you may still be able to open an account.  However, you need to incorporate and get an EIN for Fundability purposes.

Personal Information

They may also ask for your social security number, a state issued ID, a U.S. address and a U.S. phone number. If you are incorporated, they will typically use these for identification purposes only in an effort to prevent fraud.

Business Bank Accounts are Non-Negotiable

For your business to be Fundable, you need a separate business bank account. It is necessary to get funding from many different vendors and lenders. Beyond that, it is also necessary to get a merchant account. You must have a merchant account to accept credit card payments. Studies show people spend more when they can use credit, so it’s pretty important to have this option. Even if it isn’t something you need now, you likely will eventually.

If you have had issues with your personal bank account, these banks can help. Open your separate business bank account and start building positive business banking history. The future of your business depends on it.

The post How to Open Separate Business Bank Accounts Even with a Bad ChexSystems Report appeared first on Credit Suite.

Raise Your Recession Business Banking Rates and Get Funding Even in a Bad Economy

Do You Need to Know Just How Banks Determine Your Recession Business Banking Rates?

Banks are in the business of judging your company’s creditworthiness. This has a direct relationship to several important issues. Ignore these at your peril! It pays to take the time to try to understand how your recession business banking rates will work.

Recession Era Funding

The number of American financial institutions and also thrifts has been decreasing gradually for a quarter of a century. This is from consolidation in the market along with deregulation in the 1990s, decreasing obstacles to interstate banking. See: https://www.fundera.com/blog/happened-americas-small-businesses-financial-crisis-six-years-start-crisis-look-back-10-charts

Assets concentrated in ever‐larger banks is troublesome for local business proprietors. Big financial institutions are a lot less likely to make small loans. Economic recessions mean financial institutions become more careful with financing. For this reason, you need to understand your business bank ratings. It’s the only way you will be able to improve them.

Your Recession Business Banking Rates – It All Has to do With Your Bank Credit Score

But what’s that all about?

Did you know there are many ways you can ravage your bank credit score? It is, regrettably, quite easy to run a power saw through your bank rating. Your recession business banking rates can easily end up taking a hit.

But before going any further, do you know the difference between bank credit ratings and small business credit?

Business credit is the full and complete amount of cash that your small business can receive from all manner of lenders. That means credit unions, credit card companies, and also renting businesses. And it also means vendors, under what’s called trade credit or vendor credit or trade lines.

A bank credit score, on the other hand, is a measure of the full amount of borrowing ability which a company can get from the banking system only.

Bank Credit Scores Explained

A company can get more business credit fast . That is, as long as it has at least one financial institution reference. Plus it must have an average day to day account balance of at the very least $10,000 for the most recent three months. This setup will generate a bank credit rating of a Low-5. So this means it is an Adjusted Debt Balance of from $5,000 to $30,000.

A lower score, like a High-4, or balance of $7,000 to $9,999 will not result in an automatic turn down of the small business’s loan application. But it will slow down the approval process.

What is a Bank Rating?

A bank rating is a measure of the average minimum balance as kept in a business bank account over a 3 month long period. Hence a $10,000 balance| will rate as a Low-5, a $5,000 balance will rate as a Mid-4, and a $999 balance will rate as a High-3, etc.

A company’s chief goal ought to always be to maintain a minimum Low-5 bank rating (or, an average $10,000 balance) for a minimum of 3 months. This is because, without at the very least a Low-5 score, most financial institutions will assume a business cannot pay back a loan or a business line of credit.

Yet there is one point to keep in mind – you will never see this number. The financial institution will keep this number in its back pocket.

The Bank Rating Ranges

The numbers work out to the following ranges:

To get a High-5 rating, your business will need to have an account balance of $70,000 to $99,999. For a Mid-5 score, your business has to have an account balance of $40,000 to $69,999. And for a Low-5 score, your company should hold onto an account balance of $10,000 to $39,000. So your small business needs this level bank rating or better to get a bank loan.

For a High-4 score, your small business needs to have an account balance of $7,000 to $9,999. And for a Mid-4 rating, your company must have an account balance of $4,000 to $6,999. So for a Low-4 score, your company will need to have an account balance of $1,000 to $3,999.

Your Recession Business Banking Rates – It Can Be Scary Easy to Damage Your Bank Rating

And now, without further ado, here are 7 ways you can leave your bank score in tatters. These methods can all too easily hurt your recession business banking rates.

7th Way to Ruin Your Bank Credit

Don’t maintain a minimum balance for at least three months. Since every bank score cycle has a basis in the last 3 months, a seesawing balance will harm your bank score.

6th Way to Ruin Your Bank Credit Rating

Don’t bother to assure that your company bank accounts are on report the exact same way as all your small business records are. And do not assume they are on report with the exact same physical address (no post office box) and contact number. Sow confusion here by editing one and not another, or not dealing with an error if there is one.

Recession Business Banking Rates Credit Suite

Have a look at our expert research on bank ratings, the obscure reason why you will – or won’t – get a bank loan for your company.

Fifth Way to Destroy Your Bank Credit

To support # 6, don’t make sure that each and every credit agency and trade credit vendor likewise lists the business name and address the precise same way. This is every keeper of financial records, earnings and sales taxes. It includes web addresses and email addresses, directory assistance, etc.

No loan provider is going to think of the myriad ways that a company may be listed, when they check out the business’s creditworthiness. So if they cannot find what they need fast, they will refute an application. Or it won’t be on the report to a company credit reporting bureau such as Experian, Equifax or Dun & Bradstreet.

For that reason, if they are not able to locate what they need quickly, they will simply reject the application. So make certain your documents are a mess!

4th Way to Damage Your Bank Credit Rating

Never handle your bank account responsibly. This means that your small business must not avoid writing non-sufficient funds (NSF) checks at all costs. Such is due to the fact that those decimate bank ratings. Non-sufficient funds checks are something which no company can afford to let happen.

Balancing checkbooks and accounts is so boring anyway. You’ve got adequate cash without even making sure, right?

Third Way to Ruin Your Bank Credit Rating

To add to # 4, do not add overdraft protection to your bank account ASAP, to avoid NSFs. Why bother thinking in advance or preparing for the future? Everything is going to be terrific permanently, right?

Writing checks insufficient funds (NSFs) is a sure way to wreck your bank score.

2nd Way to Damage Your Bank Credit Rating

Do not let your business show a positive cash flow. The cash coming in and leaving your business’s bank account should reflect a positive free cash flow.

A positive free cash flow is the quantity of revenue left over after a firm has paid all its expenses. According to Investopedia, it “represents the cash a company can generate after required investment to maintain or expand its asset base. It is a measurement of a company’s financial performance and health.”

When an account shows a positive cash flow it indicates your small business is generating more revenue than you use to run the firm. That means the bank will feel your small business can cover its costs.

So if you really intend to wreck your bank score, get whatever’s expensive for your company so your costs overtake your profits. Doesn’t every factory merit luxurious carpets in the loading dock?

Recession Business Banking Rates Credit Suite

Have a look at our expert research on bank ratings, the obscure reason why you will – or won’t – get a bank loan for your company.

First Way to Damage Your Bank Credit Rating

Financial institutions have quite the motivation to lend to a small business with consistent deposits. And an entrepreneur must also make regular deposits to keep a positive bank rating. The business owner has to make a lot of regular deposits, greater than the withdrawals they are making, to have and maintain a great bank rating. If they can do that, then they will have a great bank credit score.

Consistency is the hobgoblin of little minds, right? So be a free spirit!

Your Recession Business Banking Rates – It is Way too Easy to Destroy Your Company’s Bank Score – Even Though You Will Never See It

You, the entrepreneur must never make consistent deposits. And these deposits ought to never be more than the withdrawals you are making, to ruin your bank credit.

If you can do these things, then your company will have a horrible bank credit score. And then a bad bank credit score means your firm is much less likely to get small business loans. This is how you can truly muck up your recession business banking rates.

Your Recession Business Banking Rates – Just Kidding: Of Course We Do Not Actually Want You to Destroy Your Company’s Bank Credit Rating!

But your recession business banking rates are a thing of value. You should want to protect and nurture it. So, where do you go from here?

The First Great Way to Rescue Your Bank Credit Rating

Probably the easiest way to achieve and maintain an excellent bank credit rating is to deposit at least $10,000 into your company bank account. And keep it there for as much as six months. While you will still have to make regular deposits, this one simple step will assist in 3 ways. One, you will have kept an excellent minimum balance for at the very least 3 months. Two, you will probably not overdraw with such a great balance. And three, you will be at the magic minimum for a Low-5 bank credit rating. Thus you will be dealing with our # 4 and # 7, above.

And you may even have the ability to get around our # 3. But we still highly recommend overdraft protection.

Recession Business Banking Rates Credit Suite

Have a look at our expert research on bank ratings, the obscure reason why you will – or won’t – get a bank loan for your company.

The 2nd Excellent Way to Rescue Your Bank Credit Rating

A 2nd thing you can do is make certain your small business account details are consistent across the board, everywhere. While it may take some work order to make certain every little thing is right, you will be dealing with our # 5 as well as # 6, above.

The Third Great Way to Rescue Your Bank Credit Score

A 3rd thing you can do is make consistent deposits, as well as make sure they are greater than the quantities you are withdrawing each month. This will take care of our # 1 and also # 2.

Your Recession Business Banking Rates –Takeaways

Your bank score is not to be trifled with. The financial institutions maintain a mystery about them. Still, failing to keep your bank credit rating high will make it a whole lot harder to do well in business. In this way, you can defend and improve your recession business banking rates.

The post Raise Your Recession Business Banking Rates and Get Funding Even in a Bad Economy appeared first on Credit Suite.

How to Create a Customer Journey Map (Even if You Have No Idea Who Your Customers Really Are)

Creating a customer journey map is enough to make even the best marketer freeze in their tracks and realize how little they really know about their prospects.

If this sounds like you, don’t worry.

Even if you’ve never created a buyer persona before, I’ll help you make sense of the process by giving you a sort of “map” to help you better understand who your customers are and what they want.

Let’s take a closer look.

Starting Fresh: The Basics of the Customer Journey Map 

A customer journey map is a diagram that illustrates each step in the buyer journey, including who the customer is, what their needs are, and what objections they face.

This map makes it easier for sales, marketing, and executives to make more informed decisions and humanize your audience.

The very first step in a customer journey map is the core demographic information about your customers, such as:

  • Gender
  • Age range
  • Job title
  • Job responsibilities
  • Salary
  • Region
  • Company size

You’ll likely find most of this data in your CRM. If not, a survey can give you a clear picture of who your audience is and what they do.

I also recommend “humanizing” the persona by giving them a name and image. This brings out more of our emotional, empathetic side, versus looking at the potential customer as a number to slot somewhere in a sales funnel like a puzzle piece.

Now that you have the basics let’s look at an example of a customer journey.

A Customer Journey Map Example 

For our example here, we’ve chosen to work with Lucy, a marketing director in her late 40s.

Her job primarily entails lead generation, sales management, and gathering competitive intelligence.

She organizes and prioritizes campaigns. She’s a pro at gathering competitive intelligence and uses it wisely to reinforce the brand while cementing customer loyalty in a very competitive marketplace.

Because of the huge growth in social media, Lucy’s looking to streamline the interaction process on social media without losing the “personability” of the brand.

She’s in the market for a solution and wants to make a confident decision quickly.

So with this in mind, our persona map is going to look something like this so far:

customer journey map

To stick with the map concept, this is our starting point. Next, it’s time to look at the journey.

Our first stop along the map is the buyer’s needs.

She has the basic research to know what’s out there. If we were looking at this from a traditional sales funnel point of view, she’s at the “comparison shopping” stage.

She’ll be looking to make a decision soon.

Understanding the Buyer’s Needs

Buyers are eager to tell you what they need. All you have to do is ask.

Basic lead follow-up and nurturing questions can reveal quite a bit. Simple polls and surveys can often reveal a great deal about where the buyer actually is in the process (and whether they have an urgent need for your product or service versus basic curiosity).

Even if we don’t know specifically what they need, we can make a few general statements that apply them to our persona.

What would someone in this job typically need from our solution?

For starters, the buyer likely needs the product to be well documented. She’ll be managing dozens, perhaps hundreds of staff members – some of whom (based on age) may be more technically savvy than she is.

Some of the staff may pick it up quickly; others may need more time.  We’ll add the needs and the persona’s place in the decision-making process (one persona can have multiple roles in the decision process — they can be a user and initiator, for example)

customer journey map example lucy

There’s also the fact that whatever solution needs to be adaptive and flexible to accommodate existing platforms and tools.

The company likely has certain procedures and requirements that will be added to the mix, like cloud-based access and specific security protocols.

These factors can influence and even conflict with what the primary buyer wants. The committee often makes decisions like these, which lengthens the time needed and the requested features.

Dealing with Common Objections in Customer Journey Maps 

Like all maps, there will be roadblocks that prevent your customer from taking action. You’ll want to outline those in your customer journey map.

There are constraints and concerns, frustrations, and issues that will affect their decision. You can brainstorm these obstacles and add them to your customer journey map to ensure that sales know how to address the most common objections before becoming major pain points.

You also have to decide where this buyer falls on the scale of decision-making.

Will they be using the product? Influencing the decision-maker? Initiating contact with the company? A mix of all of these?

Make a note of these objections and the buyer persona’s place in the decision-making cycle on your map.

Following our example, we end up with something like this:

customer journey map example

Here, we’ve managed to discover (and brainstorm) the buyer’s potential:

  • Needs
  • Concerns
  • Frustrations
  • Urgency/Timeframe to Buy
  • Place in the buying cycle
  • Requirements

All the kinds of sales-propelling information needed to acknowledge objections, concerns, and frustrations while concentrating on needs, requirements, and urgency.

We’ve learned core demographics about our buyer and key information that may be preventing them from taking action or details that could move a sale into the next stage.

Our customer journey map is less of a neatly-organized, bulleted list, and more like a mind-map that’s always being adjusted and revised. It may not be as tidy, but our customer journey map is closer to the actual customer experience — and therefore far more useful.

Think about the last time your company made a major purchase. It’s seldom a “beginning to end” one-time shot, right?

There are many details to hammer out, presentations to sit through, and suggestions and sign-offs to gather.

It’s a big process, and a fancy list of bullets just doesn’t cut it anymore – not in today’s two-way communication world.

Create a Customer Journey Map for Each Type of Customer 

Now, you need to go through this entire process with every type of buyer your company encounters. Each type of customer will have a different buyer path, objections, and challenges.

For example, if retail, you’ve got suppliers, wholesalers, resellers, and a whole avalanche of personas out there. Each buyer you have must be addressed individually.

Conclusion 

Don’t panic, prioritize. Focus on your most profitable customers first and find the unifying threads that tie them together, then build on that persona. Once you have those down, start working down the list until you have all your customer journies mapped.

And remember that buyers are multi-faceted human beings.

Sometimes they make decisions that go against the grain of even the most well-developed persona. It happens.

Remember, the journey is just as important as the destination, and the easier you make that journey, the more receptive the buyer will be to taking the action you want them to take.

Are you planning to create a customer journey map? What is holding you back? 

The post How to Create a Customer Journey Map (Even if You Have No Idea Who Your Customers Really Are) appeared first on Neil Patel.

Fundbox Recession Funding – Check Out Our Research on This Rock Solid Way to Get Financing Even in a Recession

Itching for Business Financing? Then Check out Our Review of Fundbox Recession Funding

Fundbox is one of several lending companies online. They offer Invoice Financing (which is not the same as Invoice Factoring). Our Fundbox recession funding review can help you make the best decision for your business.

Fundbox has raised more than $100 million in capital from Silicon Valley investors such as General Catalyst Partners, Khosla Ventures, Blumberg Capital, Entrée Capital, and Spark Capital. They count Jeff Bezos of Amazon as one of their investors.

We look at the specifics and drill down into the details.

Fundbox Recession Funding Review: Background

Fundbox is located online here: https://fundbox.com/. Their physical address is:

300 Montgomery St.
San Francisco, CA 94104.

You can call them at: (855) 572-7707. Their contact page is here: https://fundbox.com/company/contact-us/. You can email them at: support@fundbox.com. The company has been in business since 2013.

Invoice Financing

Rather than purchasing your accounts receivables for a percentage of the money owed to you, they will instead finance the full amount in the form of what is essentially a loan. And then you will pay it back as your customers pay their invoices. Fundbox does not communicate directly with your customers; you will continue to do so.

Payment plans are either 12 or 24 weeks. There is no penalty for repaying early. If you repay early, Fundbox will waive all remaining fees. If you finance your invoices with Fundbox, the fees are flat.

To qualify, you must have at least 6 months invoicing history in your accounting software. And you must have at least $50,000 in annual revenue.

Fees

Fundbox’s fees can vary, depending on customer and over time. You will pay the same amount each week. See: https://fundbox.com/pricing/.

Determine if you can meet a regular payment schedule during an economic downturn.

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Revolving Business Lines of Credit

They also offer revolving business lines of credit. You can get line of credit up to $100,000. You will need to allow Fundbox to connect with your accounting software, such as QuickBooks. Fundbox would like to see at least two months of activity in any supported accounting software or three months of transactions in a business bank account.

Your business should be based in one of the 50 United States or one of their supported US territories. Their approved territories are Guam, American Samoa, Northern Mariana Islands, Puerto Rico, and the US Virgin Islands.

Fundbox Pay

Fundbox has a B2B payment system (in a way, like Square or PayPal). This enables merchants to get paid faster on Net 60 accounts. It also allows buyers to qualify for net terms wherever Fundbox is accepted. Applying will not affect your personal credit. See: https://fundboxpay.com.

Accounting Software they Support

Fundbox Pay supports several types of accounting software, including:

  • Clio
  • Ebility
  • FreshBooks
  • Harvest
  • InvoiceASAP

They also support:

  • Jobber
  • Kashoo
  • PayPal
  • QuickBooks Desktop and Online
  • Zoho

Fundbox Recession Funding Review: Advantages

Advantages to Fundbox recession funding  include their exceptional flexibility in connecting to your business bank account, and fast approval. Another advantage is that Fundbox stays out of your relationship with your clients. Your clients need never know that you are working with Fundbox.

Fundbox Recession Funding Review: Disadvantages

The main disadvantage is less than fully transparent fee information. However, if you sign up for Fundbox, they will let you know what your fees are.

Fundbox Recession Funding Review: The Bottom Line

The businesses which do best with Fundbox will be those which can pay back their debts on time or even early. But this is the case with virtually all online lenders, of course.

In addition, entrepreneurs with poor credit will be able to turn to Fundbox. This is vital as most other online lenders will not do the same. And it is even more important during a recession.

Companies without a long time in business might also do well. While neither a minimal time in business nor a minimal annual or monthly revenue requirement is spelled out on the site, there has got to be some sort of minimum in both areas.

As might be expected, companies which miss payments will not do so well with Fundbox recession funding – but that is the case with all online lenders.

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Fundbox Recession Funding Review: Alternative Funding

Of course we recommend business credit building as a reasonable alternative to Fundbox.

The Advantages

Since small business credit is separate from personal, it helps to safeguard a business owner’s personal assets, in the event of legal action or business bankruptcy. Also, with two separate credit scores, a small business owner can get two separate cards from the same vendor. This effectively doubles buying power.

Another benefit is that even start-ups can do this. Heading to a bank for a business loan can be a recipe for disappointment. But building business credit, when done right, is a plan for success.

Individual credit scores depend upon payments but also other elements like credit usage percentages. But for business credit, the scores truly just hinge on if a business pays its invoices on a timely basis.

The Process

Growing business credit is a process, and it does not happen without effort. A business needs to actively work to build company credit. Nonetheless, it can be done readily and quickly, and it is much faster than establishing personal credit scores. Vendors are a big part of this process.

Carrying out the steps out of order will lead to repetitive rejections. Nobody 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.

Small Business Fundability

A business has to be fundable to lending institutions and vendors. For this reason, a small business will need a professional-looking web site and e-mail address, with website hosting from a company like GoDaddy. Plus business phone and fax numbers ought to have a listing on ListYourself.net.

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

A company will also need a bank account devoted strictly to it, and it has to have all of the licenses essential for operation. These licenses all have to be in the accurate, appropriate name of the small business, with the same business address and phone numbers. Note that this means not just state licenses, but potentially also city licenses.

Working with the Internal Revenue Service

Visit the Internal Revenue Service website and get an EIN for your business. They’re free of charge. Select a business entity such as corporation, LLC, etc. A business can begin as a sole proprietor but will most likely wish to switch to a form of corporation or LLC to limit risk and make best use of tax benefits.

A business entity will matter when it involves tax obligations and liability in case of a lawsuit. A sole proprietorship means the entrepreneur is it when it comes to liability and tax obligations. Nobody else is responsible.

If you operate a business as a sole proprietor at least file for a DBA (‘doing business as’) status. If you do not, then your personal name is the same as the business name. As a result, you can wind up being directly responsible for all business debts.

In addition, per the Internal Revenue Service, by having this arrangement there is a 1 in 7 possibility of an IRS audit. There is a 1 in 50 chance for corporations! Avoid confusion and dramatically reduce the odds of an IRS audit as well.

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Instigating the Business Credit Reporting Process

Start at the D&B web site and obtain a free DUNS number. A DUNS number is how D&B gets a corporation into their system, to produce a PAYDEX score. If there is no DUNS 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 https://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. In this manner, Experian and Equifax will have activity to report on.

Vendor Credit

First you must establish trade lines that report. This is vendor credit.

And with an established business credit profile and score you can start getting retail and cash credit.

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

But first off, what is trade credit? These trade lines are credit issuers who will give you preliminary credit when you have none now. Terms are generally Net 30, instead of revolving.

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

Details

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

To kick off your business credit profile the right way, you should get approval for vendor accounts that report to the business credit reporting agencies. As soon as that’s done, you can then make use of the credit.

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

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

Retail Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, move onto retail credit. These are companies such as Office Depot and Staples.

Use the business’s EIN on these credit applications.

Fleet Credit

Fundbox Recession Funding Credit Suite

Are there more accounts reporting? Then progress to fleet credit. These are companies such as BP and Conoco. Use this credit to buy fuel and fix and take care of vehicles. Make sure to apply using the small business’s EIN.

Cash Credit

Have you been responsibly handling the credit you’ve up to this point? Then move to more universal cash credit. These are companies like Visa and MasterCard. Use your EIN to apply.

These are often MasterCard credit cards. If you have more trade accounts reporting, then these are feasible.

Monitor Your Business Credit

Know what is happening with your credit. Make certain it is being reported and deal with any errors ASAP. Get in the habit of checking credit reports. Dig into the specifics, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less than it would cost you at the CRAs.

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

Challenging Mistakes

So, what’s all this monitoring for? It’s to contest 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.

Disputing credit report inaccuracies normally means you send a paper letter with duplicates of any evidence of payment with it. These are documents like receipts and cancelled checks. Never mail the original copies. Always send copies and retain the original copies.

Disputing credit report errors also means you precisely detail any charges you contest. Make your dispute letter as understandable as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you sent in your dispute.

A Word about Business Credit Building

Always use credit sensibly! Never borrow more than what you can pay back. Keep an eye on balances and deadlines for payments. Paying promptly and fully will do more to boost business credit scores than nearly anything else.

Building business credit pays. Good business credit scores help a small business get loans. Your loan provider knows the small business can pay its debts. They understand the business is bona fide. The company’s EIN connects to high scores, and credit issuers won’t feel the need to ask for a personal guarantee.

Business credit is an asset which can help your small business for years to come. And you can even build it during a recession.

Fundbox Recession Funding Review: Some Final Thoughts

And finally, as with every other lending program, whether online or offline, always remember to read the fine print and do the math. Go over the details with care. And decide if this option will be good for you and your company.

In addition, consider alternative financing options that go beyond lending, including building business credit. Recession funding exists but it is harder to get. So make sure to try Fundbox recession funding.

Only you can best decide how to get the money you need to help your business grow. Today, we want to hear from our audience! Share your voice with us about your experiences with online lenders. And let us know your opinion of our Fundbox review.

The post Fundbox Recession Funding – Check Out Our Research on This Rock Solid Way to Get Financing Even in a Recession appeared first on Credit Suite.

Astounding! You Can Even Get a Business Charge Card in a Recession

A business charge card in a recession is not out of the question. And that is despite what is going on with COVID-19.

Amazing! You Can Get a Business Charge Card in a Recession

We took a look at every kind of business charge card and did the research for you. So here are our picks.

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

This demonstrates you can get a lot more funds with business credit. And it also means you can have personal credit cards at retail stores. So you would now have an additional card at the same shops for your company.

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

Business Credit Card Advantages

Perks vary. So, make sure to pick the benefit you like from this selection of alternatives.

Get a Business Charge Card in a Recession with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day company purchases like office supplies or client suppers for the initial $50,000 spent annually. Get 1 point per dollar afterwards.

You will need good to exceptional credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also check out the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash instead of points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. After that get 1%.

It has no yearly fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

You will need good to exceptional credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Get a Remarkable Business Charge Card in a Recession with No Annual Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Check out the Ink Business Unlimited℠ Credit Card. Past no yearly fee, get an introductory 0% APR for the initial twelve months. After that, the APR is a variable 14.74 – 20.74%.

You can get unlimited 1.5% Cash Back rewards on every purchase made for your corporation. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. You will need excellent credit scores to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Get an Ironclad Secured Business Charge Card in a Recession

Wells Fargo Business Secured Credit Card

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

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

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

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

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

Get a Business Charge Card in a Recession

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Get a Secure Business Charge Card in a Recession for Fair Credit Scores

Capital One® Spark® Classic for Business

Take a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can get unlimited 1% cash back on every purchase for your business, without minimum to redeem.

While this card is within reach if you have average credit scores, beware of the APR. However if you can pay on schedule, and completely, then it’s a good deal.

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

novel coronavirus Recession Credit Suite

Get a Business Charge Card in a Recession for Fair to Poor Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

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

You will not need to supply 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 added paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

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

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

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

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

Small Business Charge Cards for Luxurious Travel Points – Even in a Recession

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Check out the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is excellent for travel if your expenditures don’t fall under conventional bonus categories. You can get unlimited double miles on all purchases, without limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. However you only get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction fee. You will need a good to outstanding FICO rating to qualify.

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

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For an excellent sign-up offer and bonus categories, have a look at the Ink Business Preferred℠ Credit Card.

Pay a yearly fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the first three months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get three points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a good to exceptional FICO score to qualify.

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

No Yearly Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, check out this card from Bank of America. It has no annual fee and a 0% introductory APR for purchases during the initial nine billing cycles. Afterwards, its regular APR is 13.74 – 23.74% variable.

You can get 30,000 bonus points when you make at least $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is regardless of how much you spend.

Also earn 3 points per every dollar spent when you reserve your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can get and points do not expire.

You will need outstanding credit to get this one (as in, 700s or better).

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

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Check out the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to exceptional credit to get this card.

Points

You can get 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the first three months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and gasoline stations. And you can get 4x the points on wireless telephone services bought directly from US service providers and on American purchases for shipping.

Get double points on all other qualified purchases.

Rewards

Plus, you get a free night each year after your card anniversary. And you can earn one more free night after you spend $60,000 on your card in a calendar year.

You get complimentary Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on qualified purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/

Get a Flexible Financing Business Charge Card in a Recession

The Plum Card® from American Express

Check out the Plum Card® from American Express. It has an introductory annual fee of $0 for the first year. Afterwards, pay $250 each year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need good to exceptional credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/

Get a Business Charge Card in a Recession

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Get a Business Charge Card in a Recession with Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Take a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. Also earn a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first three months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.

You will need good to outstanding credit to qualify.

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

Get a Terrific Business Charge Card in a Recession for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the first year. Afterwards, this card costs $95 annually. There is no introductory APR offer. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first three months from account opening. Get unlimited 2% cash back. Redeem any time without any minimums.

You will need good to excellent credit scores to qualify.

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

Flat-Rate Rewards and No Yearly Fee

Discover it® Business Card

Have a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for one year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Note: you will need good to exceptional credit to qualify for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Have a look at the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the initial year. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the initial 3 months from account opening.

You can get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can get.

You will need outstanding credit to get this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no yearly fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need outstanding credit to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

The Perfect Business Charge Card in a Recession

Your absolute best business charge card in a recession will hinge on your credit history and scores.

Only you can select which features you want and need. So make sure to do your homework. What is excellent for you could be catastrophic for others.

And, as always, make sure to develop credit in the recommended order for the best, speediest benefits. The COVID-19 situation will not last forever.

The post Astounding! You Can Even Get a Business Charge Card in a Recession appeared first on Credit Suite.