On March 30, 2021 President Biden extended the PPP loan application deadline for the Paycheck Protection Program. The extension pushes the deadline from March 31, 2021 to May 31, 2021. It includes PPP loans for nonprofits as well. In addition to the PPP loan extension, this also allows for an extension of the SBA PPP processing time to June 30, 2021.
This is a major win for small businesses, as the program’s PPP loan forgiveness provides businesses a way to keep going despite the ongoing economic fallout from the pandemic.
The PPP Loan Extension is a Major Win For Small Businesses in More Ways than One
This serves two purposes. First, it allows more small businesses time to get their PPP loan application completed and turned in. At the same time, it gives the Small Business Administration more time to deal with any technical issues that may pop up with SBA PPP loans funding and processing.
Why Is a PPP Loan Extension Needed?
An extension is necessary to provide more support for businesses while the U.S. population is getting vaccinated for COVID-19 over the coming months.
It will give businesses more time to apply loans. This includes both first-time loans, and even a second draw PPP loan if applicable. The second draw is a second PPP loan available to some businesses that have already received one Paycheck Protection Program loan. Those who have issues with the application process will also be able to spend more time working through those problems.
Other PPP Loan Changes
Other recent changes will help even more applicants. This includes the smallest of small businesses, as well as minority-owned businesses and those located in rural communities. A two-week period in March was set aside only for businesses with fewer than 20 employees to apply.
That time is over, but still helpful is the fact that the administration is also now calculating the loan formula for sole proprietors, independent contractors and self-employed individuals differently. Furthermore, gone are the restrictions that prevent business owners with prior felony convictions not related to fraud, or those who have been delinquent on federal student loans, from receiving assistance.
There is no question that the PPP loan program is a savior for many small businesses. Still, the money doesn’t come automatically. What if you need money right now? What if you can’t wait for the sometimes long PPP loan application process? Maybe the PPP loan won’t be enough. How can you supplement it?
Here are some ideas to either bridge the gap or take the place of a PPP loan.
Credit Line Hybrid
The credit line hybrid is business financing that does not require security. It is available to pretty much anyone for any type of business expense. You can use it for real estate, equipment, working capital, and even startup expenses. Furthermore, there is no down payment, and you do not have to provide income documentation. It is completely no-doc financing.
You need to have personal credit of 680 or above, but keep reading if you don’t because there are still options. . Also, there cannot be any late payments in the past 12 months, there can be no open collections or bankruptcies, and there should be less than 4 inquiries in the past 6 months on your consumer credit report. There also have to be at least 2 open credit cards with a $2,000 limit or higher with 2 years of good payment history.
If you do not meet these requirements, including the minimum credit score, you can take on a credit partner who does meet them.
You can get up to $150,000, and often interest rates are as low as 0% for the first 6 to 18 months.
401(k) Financing
The 401K financing program offered by Credit Suite is a flexible and powerful way for a new or existing business or franchise to leverage assets that are in a 401(k) plan or IRA. These are assets which are tied up in stocks.
It doesn’t take long either. In as little as 3 weeks you can actually invest a portion of these funds into your own business. Then, you not only have more control over the performance of your retirement plan assets, but you also have the working capital you need.
This type of program even has the blessing of the IRS. In fact, they have their own name for it. It’s called a Rollover for Business Startups (ROBS).
Do You Qualify for a ROBS?
Surprisingly, this type of financing is pretty easy to get. You do not have to submit financials or have good credit to get approval. In fact, all the lender will ask for is a copy of your two most recent 401(k) statements.
If the plan has a value of more than $35,000, you can get approval. This is true even if you have really bad personal credit. You can get however much of your 401(k) is “rollable.” Sometimes, you can secure a low-interest credit line or loan for 100% of your current 401(k) value.
The plan you use cannot be from a business where you currently work. It will have to be from previous employment. Also, you can’t still be contributing to it.
If your business has consistent revenue of $120,000 per year or more, you may qualify for business revenue lending. Lenders verify revenue using bank statements. There can be no recent bankruptcies, but the minimum credit score to qualify is as low as 500.
A business must also be in operation for a year or more, and they must do more than 5 small transactions each month to get business revenue financing.
Merchant Cash Advance
If your business accepts credit card payments and you have at least a 500 FICO, you could get up to $750,000 in a merchant cash advance. Credit rates are usually lower compared to traditional financing as well.
There must be $100,000 or more per year in credit card sales, and typically you can get approval equal to one months credit card financing volume.
Account Receivable Financing
Outstanding account receivables can also be a source of funding for your business. Get as much as 80% of receivables advanced in less than 24 hours. You get the rest of the accounts receivable amount once you collect full payment for the invoice. Closing takes 2 weeks or less.
Receivables should be with the government or another business. Getting financing with receivables from individuals is not as easy. If you also have purchase orders, then you can get financing to have those filled. You won’t need to use your cash flow to do so.
Enterprise SBA Loans
For these loans you have to have collateral worth up to at least 50% of the loan amount, but you only need a FICO of 620. There also can be no bankruptcies in the past 4 years. Only for profit companies qualify, and they must have positive trends in sales growth. Generally amounts are available of up to $12 million with terms up to 25-years.
Credit Suite can help you get funding with these options and show some other possibilities.
Use the Time Allowed By the PPP Loan Extension Wisely
Getting funding for your business is not always easy. There is more to it than just applying for a loan. Business credit can get sticky. Having expert help can save you a lot of time and money. While you are waiting for your Paycheck Protection Program loan, consider working with a business credit expert to help you better position your business to access the funding it needs quicker and easier in the future.
A business credit expert can help make the most of the PPP loan extension time. They can work with you to evaluate the fundability of your business. The stronger your fundability, the more likely you are to get funding with the best rates and terms available. You can get a free consultation to help ensure your business is set up properly to build fundability.
An expert can help you evaluate the many factors that affect fundability. There are over 100. With so many factors, it can be hard to figure out where you stand without an expert. They can work with you to figure out where your business falls short and help you improve. Fundability is a tangled web affected by many things, and the time and money saved having an expert walk you through it is extremely valuable.
They can also walk you through the steps to establishing a business credit profile separate from your personal credit profile. Once that is done, they can help you find accounts that will report to that business credit profile.
This is key, because many vendors do not report. Those that do report, do not make it easy to find out that they do. A business credit expert has relationships with a number of vendors. They can help you find the ones that will successfully help you build your business credit score.
PPP Loan Extension: You Still Have Time
Thanks to the PPP Loan extension that President Biden signed, you still have time to get your PPP loan application in. No matter how fast you act however, some things never change. Especially with the PPP extension on the SBA side, you will likely be waiting a bit for your approval and to actually receive PPP funds.
If you need money right now, try one of these funding options. Then, put to good use the time the Paycheck Protection Program extension allows you. Use it to get in touch with a business credit expert. It’s a great time to start the process of building strong business fundability. The stronger your fundability, the easier it is to fund your business whatever the world throws your way, even a global pandemic.
In this post, we’ll show you how to make a Chrome extension to help you innovate your tasks and get back to productive work.
What is a Chrome Extension?
Google Chrome extensions are programs you can install in your Chrome browser to change its functionality.
Chrome extensions can help you automate certain functions in your browser, modify existing behaviors, and improve your software’s convenience. There are even Chrome extensions that can improve your SEO.
Chrome extensions are built with HTML, JavaScript, and CSS scripts and are essentially small websites uploaded to the Chrome store.
The only difference between a Chrome extension and a regular website is that Chrome extensions contain a manifest file, which gives them a specific function to execute.
Another way to think about Chrome extensions is that they are a piece of code that changes your browser experience.
For example, the Grammarly Chrome extension allows you to edit and modify your copy as you write. The LastPass extension will enable you to keep your password manager within your browser.
A custom-built extension can perform a single task. This task needs to be narrowly defined and easy to understand for it to work properly.
You can include more than one component or functionality, as long as everything directs the extension towards a singular goal.
Chrome extensions work by using either page actions or browser actions.
A page action is an action that is specific to certain pages.
A browser action is relevant no matter where you are in the browser.
As well, your user interfaces need to be user-friendly and straightforward. These can range from a single icon, think of the Gmail icon, or you can override an entire page for your interface.
Your final deliverable will be a zipped .crx package that users will download and install.
You should also create a Chrome extension if you are looking to add a simple action to your browser experience.
The benefit of Chrome extensions versus regular applications is they are often easier to build and maintain. Because Chrome extensions are built around a singular function, they take less time and skills to create.
Building a Chrome extension often takes far less time than building an entirely new webpage.
If you want a simple and effective way to modify your browser, then building a Chrome extension is the way to go.
Chrome extensions can also improve your web traffic, see more in the video below.
What Makes a Chrome Extension Successful?
A successful Google Chrome extension will simplify a task or functionality and improve your productivity.
Let’s imagine you are an e-commerce web builder and you’re researching competitor shops. If you install the Koala Inspector extension, you’ll be able to see if Shopify built any website you land on. You can also see what theme was used, if any new updates have been made, and view product statistics.
Another Chrome extension, the News Feed Eradicator for Facebook, can help improve your productivity by blocking your news feed so you can focus on your tasks. It is a simple but effective function that can help you improve your daily workflow.
Both of these extensions execute a simple functionality that improves user experience. When building a Chrome extension, keep simplicity in mind. That’s the secret to a successful extension.
Your Step-by-Step Guide to Creating a Chrome Extension
Now it’s time to build your Chrome extension.
It’s important to note that you need to do this on Google Chrome. This might seem obvious, but not everyone uses Chrome as their default browser.
If you aren’t a regular Chrome user, be sure to install it before you begin these steps.
Also, be sure to check your work frequently as you move through this process. It’s much easier to fix coding errors in the moment than after you finish.
Build a Chrome Extension Step 1: Determine What Your Extension Needs
The first step in building your Chrome extension is to decide on a functionality.
This file will tell Chrome how to load the extension properly.
Create a file called manifest.json and add it to your directory.
Then, add any code you might need to your manifest file.
For our purposes, the code will look like this:
Build a Chrome Extension Step 4: Load Your Extension into Chrome and Check for Errors
Now it’s time to test your extension to make sure Chrome will run it.
Follow these steps:
Go to chrome://extensions in your Google Chrome browser
Check the Developer mode checkbox in the top right-hand corner
Click “Load Unpacked” to see a file-selection dialog
Select your extension directory
If your extension is valid, it should load immediately.
If it is invalid, you will see an error message at the top of your page. If this is the case, look for errors, correct them, and try loading your extension again.
The most common errors people make here are syntax errors. Double-check all of your commas and brackets and make sure they are formatted correctly.
Also, make sure the Enabled box next to your extension is checked so you can see it performing live.
Build a Chrome Extension Step 5: Develop Your Background Script
Next, you’ll need to add some background script to tell your extension what to do.
First, create a file named background.js inside your extensions directory.
Then, add your script.
For our color-changing extension, we’ll be using this script:
This file will alert Chrome that it needs to scan for additional instructions.
The extension we are building will also require a listening event for runtime.onInstalled within the background script.
Within the onInstall listener, the extension will set a value with the storage API. This allows multiple extension components to run and edit that value.
Most API’s will need to be registered in the “permissions” field of your manifest. Like this:
Next, go back to your extension management page and click Reload.
You should see a new field for Inspect views come up. There will also be an accompanying blue link that reads the background page.
Click the link and you will see the background script’s console log, which reads “Default background color set to green”.
Content scripts can also be added to run page-by-page scripts.
Content scripts should be added directly into your manifest file.
Build a Chrome Extension Step 6: Create Your User Interface
Your extension can have a range of user-interfaces, from pop-ups to tooltips, and more.
To begin designing your interface, you need to register a browser action in your manifest.
For our example, we’ll use a pop-up. The code looks like this:
You’ll need to declare this code within your manifest in order for it to work.
To do this, add an action to your manifest and set popup.html as the action’s default_popup.
Your script should look like this:
This specific pop-up references a CSS script, so you’ll need to add another file to your directory. Name it appropriately, and add this:
For our example, you’ll also want to add color to your popup buttons. Later on, this color will be used for the background of your page as well.
Create and add a file named popup.js with the following code to the directory.
This will grab the button from popup.html and request the color value. Include a script tag to popup.js in popup.html like this:
From there, you can add badges to show the state of your extension. For example, a badge can tell a user if the extension is activated or not, on or off.
Toolbar icons fall under action in the default_icons field.
Place any desired images within your directory and then tell the extension how to use the images.
For images, 16×16 and 32×32 sizes are recommended. All icons should be square, or else they may end up distorted.
If you don’t supply an icon, Chrome will add a default one for you.
When designing your Chrome extension user interface, keep it simple and user-friendly.
Before moving on, reload your extension and make sure everything looks right.
Build a Chrome Extension Step 7: Add in Some Logic
Logic furthers your user interface interaction.
Add logic scripts to whatever user-interface options you included.
Logic can tell your extension to perform certain actions, such as what to do when a button is clicked.
For example, if you used the popup.js script, you’ll want to include your logic at the end of it.
For our example, you can use this script:
This code triggers a programmatically injected content script. This turns the background color of the page to the same color as your previously added button.
From here, your extension should be fully functional. Any new additions will be bells and whistles.
Build a Chrome Extension Step 8: Test Out Your Extension
Just like A/B testing in marketing, it’s important to continuously test your extension to ensure everything works.
Test it out yourself, or have someone else test it.
If you have another person test it, do it without giving them instructions to make sure it’s intuitive to use.
Make changes as needed, then test your extension again.
Even after you launch your extension, you can continuously optimize and improve it. That’s how we got the Ubersuggest Chrome extension 2.0.
Once you’re happy, it’s ready to use.
Can I Practice Making a Chrome Extension?
Once you upload your extension to the Chrome store it’s live and usable.
If you don’t want your Chrome extension to be publicly accessible, you can always make a GitHub repo that people can clone from.
This requires giving people access to your source code, so be sure to consider this before uploading anything onto GitHub.
You can also experiment with open source samples before diving into your extension.
Samples for Chrome Extensions are available on Google’s GitHub.
Conclusion
Creating a custom Google Chrome extension is a great way to improve your browser functionality and create optimal user experiences.
What’s more, your tool can drive traffic to your website, so modifying that experience can result in new leads for your business.
It may be a learning curve to get your extension where you want it to be, but it’s worth it when you have an exciting new feature to show off to your friends—and prospective clients.
Have you ever been stuck doing a repetitive task and wish you could automate your process? Are you tired of spending time searching for an appropriate extension, only to be met with an empty search result page? Luckily, if you’re a Chrome user, you can create a Chrome extension in just eight simple steps. How … Continue reading How to Build a Chrome Extension
Over the next few months, you are going to see a lot of updates in Ubersuggest, including new features.
But before I dive into what I’m going to release soon, let’s first talk about the new Chrome extension.
If you haven’t installed it, make sure you go and do so now…
No more Neil’s face
The biggest complaint we got about the extension was “my face” being in the search results.
You know, that speech bubble that looked something like this…
So, I removed it.
I know you don’t like it based on the reviews, so I tried to leave it in as long as possible because it’s branding.
Indirectly it keeps me and my agency top of mine so hopefully, it would eventually drive business.
Link building
You may have noticed that there is a little “U” symbol within your browser bar once you install the extension.
If you don’t see it, just click on the extension icon…
And then click pin next to Ubersuggest…
Now whenever you visit a site (other than Google) you can click on the “U” to see data.
But what’s new is we have added link data. So when you click on “Backlinks” you’ll see link data on any given site.
You can see the domain score (our version of authority), the number of backlinks, referring domains and organic monthly traffic a website receives.
You’ll even see a chart of link growth (or decline) over time.
And as you scroll down you’ll even see more metrics…
The chart above breaks down how many new and lost links you are getting on a daily basis.
And beneath that you’ll see a list of links pointing to any given site. You can then search for a specific link using the search box or you can use the filtering options.
Keyword gaps
I know that I mentioned a while ago that I am releasing a feature that show competitive domains and gives you an overview of the keywords your competition ranks for that you don’t.
That way you can find more opportunities to go after if you want more traffic.
That’s still coming out soon. We are roughly a month or so away from releasing it. 🙂
But that’s not all
The biggest thing my team and I have been working on is data quality.
From fresher link index to even a bigger link index.
Or when you put in a URL it would be great to have even more accurate traffic estimations.
By the end of the year you’ll see drastic improvement in this. It’s our biggest focus.
And then comes a faster application
The last thing on our roadmap this year is speed improvement.
We have so much data in Ubersuggest that sometimes reports take longer to load than you would like.
We have been refactoring our code, which should fix this soon. So now reports will load faster, which is really important if you use Ubersuggest on a mobile device.
Conclusion
I hope you try out the new Ubersuggest extension. It’s easy to use and it offers more free data than any other Chrome extension.
In addition to the link feature, there will also be some other Chrome extension features that we are adding soon, but I have to save something as a surprise. 😉
Plus, there will also be a few other features that you’ll also see in the Ubersuggest app that is coming out this year that I didn’t mention above either.
So, what else would you like to see in Ubersuggest?
If you are wondering what’s new… well, let’s just say the changes have made keyword research much better and a lot easier. And on top of that, later in this post, I’ll even give you a sneak peek at the new changes that we are making to the extension that will be released within 30 days.
So, what’s new?
Who says keyword research should be limited to Google?
What most people don’t know is that YouTube is the second most popular search engine and has been exploding.
On top of that, Amazon is the largest e-commerce site in the world and SEOs are doing Amazon SEO and Amazon ads… so why not have access to keyword research there, too?
Now, when you go to YouTube and perform a search you’ll see data on suggested keywords as you perform a search.
And if you want more details on any given keyword you searched for, just click “view all” next to the search bar and you’ll see something like this:
It breaks down search volume over the last 12 months as well as shows you if a keyword has any seasonal trends.
You can also see how competitive a keyword is to rank for, its cost per click data, how many people even click on any of the listings, and even the age range of the people who search for that term.
Also, what’s interesting is that you can see data on whether a keyword is searched more on mobile or desktop devices and the breakdown. This is important because mobile searches tend to not convert as well… so ideally you want to go after keywords that have more desktop searches when possible.
Now on the right side of any YouTube search listings page, you will also see more keyword suggestions.
It’s pretty similar to what the extension already shows on Google… this is more so our version for YouTube.
But with Amazon, we didn’t want to impact your user experience too much, so we decided to provide keyword data in the most unobtrusive way possible…
Anytime you perform a search on Amazon, you’ll see keyword data on the suggestions.
So now anytime you want to do keyword research for social media or e-commerce, you can easily do so with the Ubersuggest Chrome extension.
But wait, there is more…
There is also one other important change made to the extension that you may have already noticed if you use Google on a regular basis.
When you search on Google, there is now traffic estimations under each URL.
This traffic estimation is for organic search traffic and it is done on a domain level. Eventually, we will tweak it to be page-based and even show you the other keywords each page ranks for… but for now, we are providing you with organic traffic estimates for each domain.
And if you are more of a visual person, in the right-hand sidebar you can also see the traffic estimation for any result in the top 10.
So if you want to know traffic data in addition to keyword suggestions when you perform a Google search, make sure you install the Ubersuggest Chrome Extension.
But the best is still to come…
My goal is to make major releases to Ubersuggest every month if possible… every other month if all doesn’t go as planned.
The next big one is introducing competitor analysis features within the extension.
Right now if you click on the “Ubersuggest” logo within your Chrome browser you see something like this:
Now, that’s not really useful.
So, within the next 30 days when you click on the “Ubersuggest” logo within Chrome, I am thinking of showing something like this:
For any domain you’ll be able to see the following metrics:
Domain metrics – you’ll see a quick overview of each domain. From the number of organic keywords a site ranks for to their estimated organic traffic, domain score, and even number of backlinks.
Historical traffic – you’ll see an organic traffic chart of the last 6 months to any given site.
Top pages by country – want to know the most popular pages on your competitor’s site? This table will show you just that.
Top keywords by country – you’ll also be able to see the most popular keywords that drive traffic to that site.
Conclusion
If you already have the Ubersuggest Chrome extension installed, you may need to reinstall it because we now show you data on YouTube and Amazon. That means you’ll have to grant Ubersuggest permission to show you data on those two sites.
From being in the SEO industry for over 21 years now, I know that it would be more convenient to do your SEO research while you are browsing the web or searching Google than constantly having to come back to Ubersuggest.
That’s why I created this Chrome extension.
So, what’s inside the Chrome extension?
Well, the easiest way to know what’s included (it’s free), is to just go and install it and test it out.
But here’s what’s included…
Keyword overview
When you are searching Google, you’ll see an overview within the search bar.
You’ll see the monthly search volume and the cost per click for that keyword.
When you click the “view all” link, you’ll see a detailed overview for that keyword.
The graph breaks down the total monthly search volume. What’s cool about the chart is that it shows you both the monthly mobile searches and desktop searches.
And above the graph, you’ll get metrics on how hard that keyword is to rank for (SEO Difficulty) and how competitive that keyword is from a paid advertising (Paid Difficulty) standpoint.
Under the graph, you’ll also see 2 bar graphs. The first one breaks down whether or not people are clicking on the SEO results, paid results, or not clicking anywhere at all.
The second one shows data on the age range of all of the searchers.
Link overview
Above the organic results, you’ll see a speech bubble that breaks the average authority of the sites that are ranking (domain score) and the average number of referring domains the top 10 results have (backlinks).
If you want a more detailed overview, you’ll see a graph in the sidebar that breaks down how many referring links each of the top 10 listings have.
Keep in mind the link metrics are based on referring domains. So, if a website has 100 links from the same domain name, it will only count as 1. Because what really matters when it comes to SEO is how many unique, relevant sites you can get to link to you as opposed to having the same site linking to you over and over again.
Even more keyword data
In the sidebar, you’ll also find even more keyword data.
You’ll see a list of other popular keywords that are similar. You’ll also get metrics on each keyword… from how often it is searched (volume), to what it would cost to bid on that keyword (CPC), to how difficult the keyword is from an SEO standpoint (SD).
And if you scroll to the very bottom of the screen, you’ll see a list of related keywords that Google provides.
Again, you’ll be provided with data like search volume, cost per click, and SEO difficulty data.
URL metrics
Whenever you perform a search on Google, you, of course, see a list of websites that rank for that keyword.
As you can see, under URL you see the authority of the website (domain score), how many Pinterest and Facebook shares the URL has, and how many unique domains are linking to that result.
What’s cool is you can click on the “down arrow” next to the link count and see the exact list of sites linking as well as their domain score and anchor text they used for the link.
Pick your country and language
The last feature in the extension is that you can change your location and language.
All you have to do is click the “Settings” link in the sidebar.
You’ll see a long list of languages and countries that you can choose from.
No matter what version of Google you are using, such as Google.com.br or even Google.co.in, you’ll see SEO data whenever you perform a search.
Conclusion
I have some more big changes coming to the extension in the near future but I would love to hear what you think about it so far.
And if you have any feature requests, just leave a comment below. That way we can prioritize what we add to the extension next.
Charles Leclerc joined Ferrari as No.2 driver but has always established himself as Sebastian Vettel’s equal, evidenced in Ferrari’s decision to extend his contract until 2024.
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