Content marketing is not just the most effective forms of online promotion that you can take part in, it’s the foundation of pretty much any other form of digital marketing. It remains stable over time, …
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Content marketing is not just the most effective forms of online promotion that you can take part in, it’s the foundation of pretty much any other form of digital marketing. It remains stable over time, … The post 8 Tools to Bring Your Content marketing to the Next Level appeared first on Paper.li blog.
Content marketing is not just the most effective forms of online promotion that you can take part in, it’s the foundation of pretty much any other form of digital marketing. It remains stable over time, …
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Cash flow based lending options can be great for fast funding. Both PayPal and Square offer these types of options. Credit Suite has similar options as well, including:
Using these types of funding allows you to get the funds you need based on income and without good credit. Repayment is typically based on cash flow as well, meaning the more you make, the faster you repay the loan.
Cash flow based lending options are those that are extended based on a company’s expected cash flows. This refers to the amount of cash that goes in and out of a business within a specific period of time. The amount of cash flow is what lenders use to make approval decisions. Repayment comes from this amount as well.
Typically, you will need to have a few years in business to qualify. You may also need to meet a certain minimum credit score requirement. Mostly, you will need to prove historical cash flow, and present your accounts receivables and accounts payables. This is how the lender will determine how much to loan to your business.
There are a number of cash flow based lending options available. Some service providers offer this type of funding, such as PayPal and Square. There are also funding types through other lenders that are closely related, such as those that rely on your accounts receivable or open invoices.
Here’s a little about each one to help you decide if this type of funding is right for you.
You can get a loan from PayPal if you already have a PayPal business account. There is no personal guarantee requirement, and loan amounts and eligibility depend on your sales via PayPal. Also, applying will not result in a credit check.
To be eligible, you must:
Repayment is automatic as a percentage of each PayPal sale. As a result, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments. Yet, there is a minimum repayment requirement every 90 days.
Depending on the loan terms you choose, you have to pay at least 5% or 10% of your total loan amount, that’s the loan plus the fixed fee, every 90 days. The 5% minimum applies to loans estimated to take 12 months or more to be repaid, based on your business’ past PayPal sales and other factors. The 10% minimum applies to loans that should only take 12 months or less to repay.
You can get similar business loans through Square, and they also will not affect your personal credit score. Eligibility is based on a variety of business factors, including its payment processing volume, account history, and payment frequency. Square will send a customized offer to users based on their card sales through Square, up to $250,000. There is no interest per se. Rather, you’ll pay an ongoing flat fee.
The fixed fee is the difference between the total owed amount and the initial loan amount. The fixed fee will never change, regardless of how quickly or slowly you pay off the loan. Just like PayPal, if sales are up one day, you pay more. Consequently, if you have a slow day, you pay less. A minimum of 1/18 of the initial balance must be repaid every 60 days.
They don’t require collateral for business loans of $75,000 or less. In contrast, for loans over $75,000, they take a security interest in your business assets. Then they will file a UCC statement with the Secretary of State where your business is organized. There is no personal guarantee requirement.
With a similar basis for getting funding, business revenue lending is another of the cash flow based lending options.
It involves raising capital from investors, who then get a percentage of the enterprise’s ongoing gross revenues in exchange for money invested. Investors get a regular share of business income until the agreed upon amount is paid. Often, this amount is a multiple of the principal investment. It is usually between 3 – 5 times the original amount.
Since repayment of the loan is based on revenues, the time it takes to repay the loan will fluctuate. The faster revenue grows, the quicker you’ll repay the loan, and vice versa. The percentage of monthly revenues committed to repayment can be as high as 10%. Monthly payments will fluctuate with revenue highs and lows and will continue until you pay the loan in full.
AR financing is another of the cash flow based lending options available. It allows you to use outstanding account receivables as your collateral for business financing. You can get as much as 90% of receivables advanced, and you get the balance after the invoice is paid in full.
PO financing is also closely related. This is funding to a business with a large purchase order or contract, but the business is unable to fulfill it. A lender loans the money to complete the order, and charges a percentage for the service. The company can then fulfill its order or contract.
The difference between purchase order and accounts receivable financing is, purchase order financing involves a company lending you money to fulfill purchase orders. Accounts receivable financing involves a company buying outstanding invoices. However, when you get to the center of it all, both are based on cash flow.
For approval, lenders will typically review your outstanding purchase orders that need to be filled. They want to be sure the purchase orders are legit and the suppliers you are dealing with are credible.
If so, then you can get approval regardless of personal credit history. Rates tend to range from 1-4%. Furthermore, in some instances, you can get 95% of your purchase order in advance.
The beautiful thing about cash flow based lending is, you can get funds even without a strong credit score. If you are making the sales, you can get the money. That makes it easier to fulfill orders and keep making sales, which in turn allows you to grow your business bigger and stronger than ever.
The post 5 Cash Flow Based Lending Options to Take Your Business to the Next Level appeared first on Credit Suite.
Content marketing is not just the most effective forms of online promotion that you can take part in, it’s the foundation of pretty much any other form of digital marketing. It remains stable over time, …
The post 6 Tools to Bring Your Content Marketing to the Next Level appeared first on Paper.li blog.
Sergio Perez says fighting seven-time world champion Lewis Hamilton and Red Bull teammate Max Verstappen on-track this season has already helped him to find a new level of performance.
The post Perez: Hamilton, Verstappen battles taking me to new level appeared first on Buy It At A Bargain – Deals And Reviews.
Buying a domain name is exciting. It means you’re taking the first steps to establish yourself and create a professional website. But, it can also be overwhelming.
Not only do you have to find an available domain name, but you have to choose between dozens of top-level domains (TLDs) such as:
The list goes on!
Picking the right TLD is just as important as choosing the rest of your domain name. You want the best option for your business type to establish trust with your target audience and one that’s memorable.
In this guide, you’ll learn about the different TLD types, which ones you can and can’t buy, and how to know what type is the best fit for your business.
A top-level domain (or TLD) is the last segment of a domain name.
For example, the TLD for NeilPatel.com is “.com.”
.com is just one of the many options available, though.
The Internet Assigned Numbers Authority (IANA) officially recognizes three types of TLDs.
The gTLD contains the most common top-level domains, and anyone can register most of these domain extensions.
Some of the generic top-level domains in this category include:
In 2011, ICANN extended gTLDs to companies and organizations. It helps brands register their name as a domain extension.
A few real-life examples are:
Some companies choose to use extended gTLDs as redirects. For instance, if you go to search.bing, it redirects to bing.com. Others, like .cern, strictly use their extended gTLDs.
Businesses can also register generic TLDs around their industry niche.
For example:
An sTLD are domains sponsored by a specific entity like a business, government, or other groups.
In this category, you’ll find domain extensions for:
The last type of top-level domain is ccTLD. These domain extensions are reserved for countries, sovereign states, and territories.
These codes are two letters long and represent the country or territories’ abbreviated name.
For example:
However, ccTLDs are not only for countries. Businesses use ccTLDs to geotarget users in different markets.
For example:
Think of your domain name as your brand’s search representative.
Some TLDs may hinder your branding because of spam associations, while others could improve your search result rankings.
Below, we’ll unpack some of the most common TLDs to help you select the perfect domain name for your business.
Not all domain names are available for anyone to buy. These are restricted top-level domains known as rTLDs.
To obtain an rTLD, you need to meet specific criteria laid out by the TLD’s registry.
For example:
Trademarked rTLDs aren’t available unless you can prove you are the trademark owner. For example, you can’t buy a .nescafe or .walmart domain name unless you own the company in question.
rTLDs can also be geo-location domain names. You can’t buy a .nyc domain name unless you have a valid New York City address.
These controls help prevent fraud and forgery and give users a sense of security when using these sites.
If you meet the requirements for some of the most common rTLDs, here are the steps to take to purchase them:
If you run a business, blog, or another professional website, a .com TLD is probably the way to go.
The .com stands for commercial. It’s one of the best TLD domains to use because people view it as credible, trustworthy, and more memorable than other obscure domain extensions.
A study from GrowthBadger found .com is the most trusted TLD. Plus, people are 3.8 times more likely to simply assume a domain ends in a .com than anything else, meaning if they try to go directly to your website, they’ll probably end with a .com by default.
However, there’s a catch.
Anyone can register a .com domain extension, and because it suits a range of business types from business coaches to online stores, it’s not easy to find a .com no one has snatched up already.
If your perfect domain name is unavailable, not all hope is lost. There are strategies you can use before settling on a complete rebrand. For instance, you could try to buy the domain from its current owner or use a reasonable variation on your company’s name.
You can try an alternative domain extension like .net (more on this below) or add a country code if it makes sense to do so.
The .org stands for “organization” and is commonly used by nonprofits, social causes, groups, and clubs.
Examples include:
Using the .org extension can give your brand more credibility than other extension options.
That said, anyone can register a .org—there isn’t a regulating body. However, it’s best to buy another domain extension if your site doesn’t fit into one of those three categories.
Why?
Users already associate the domain with nonprofits and groups, and it could be confusing if you’re a SaaS business with a .org. Worse, if you don’t run a nonprofit, consumers could feel like you’re trying to trick them by having a .org.
If you run a nonprofit and want to use .org, keep in mind that 44 percent of people remember .com TLDs, while only 32 percent recall .org extensions.
The lower memorability score could end sending people to the wrong site. But, you can avoid this by buying the .com version in addition to the.org. It will protect your brand because no one else can buy the .com, and you can set up a redirect to your .org site.
The .net domain extension is another option for businesses, but it’s not a great fit for everyone.
The .net stands for network, and the extension is for:
If your business has nothing to do with tech, it usually won’t be the best option. An excellent example of an exception to the rule is behance.net. The website is an online design community and has nothing to do with providing internet or database services.
However, it works for their brand because it is a network for designers and clients to find each other.
From an SEO point of view, the .net is better than most other lesser-known extensions if you’re in the tech industry or work for another brand .net fits with. It’s been around long enough for people to remember it, and it’s considered trustworthy and authoritative.
Ready to buy a domain name? Fortunately, it’s usually a straightforward process.
Two of my favorite domain registrars are Bluehost and Namecheap.
Both sites are easy and straightforward to use, though they serve different purposes. Bluehost provides hosting and other services, while Namecheap is strictly for buying domains.
You can buy common TLDs such as .com, .net and .org as well as alternative domain extensions like .io, .so, .new, etc.
Besides branding, choosing a TLD has an impact on your SEO. Here are the main things you need to consider when deciding on a TLD domain.
Unfortunately, some TLDs are associated with nefarious online behavior. If you use them, Google might assume your site isn’t safe, and you’ll never make it to the top of search results.
According to Spamhaus, these are the TLDs with the spam worst reputations:
Besides search engine rankings, using an alternative domain extension can affect your click-through rate (CTR). For example, if your target audience is unfamiliar with the TLD, they might not view your site as safe, and you won’t get traffic.
In the same study from GrowthBadger, these were the TLDs that have the lowest trustworthiness, factoring in things other than spam:
Depending on your industry, using an industry-specific TLD could boost your SEO.
For example, several start-ups use the TLD of .tech or .io. Other options include using .food for a food blog or .travel for a tour operator.
Using an industry-specific TLD tells Google and people what your site is all about, which can help improve your rankings and CTR.
Examples of sites using industry TLDs:
Yes, we know we just said .io had a low trustworthiness rating. This is because many folks simply don’t know what it refers to, which is understandable. This TLD is a play on I/O, meaning input/output in computer science terms, so it follows that tech (particularly gaming) companies would use it.
Is your business tied to a specific location?
You might get an SEO boost by using geotargeting in your TLD.
It signals to Google that your site serves a particular country or city, and it could make your pages visible to people searching from those locations.
You can also use TLD geotargeting if you have a business that operates in multiple countries worldwide.
For example, Amazon has:
A top-level domain is an integral part of your website’s structure. Before you buy one, take the time to look at the different TLD options and select the best one to represent your business online.
If you need to change your TLD or domain name later, you can. But, you’ll need to 301 redirect the old domain and every page to the new one, and it can take up to six months for your traffic to recover.
It’s much easier to start your website on the right foot than have to go through a site migration process, hindering your bottom line and SEO content marketing efforts.
Which top-level domain will you choose for your business?
Content marketing is not just the most effective forms of online promotion that you can take part in, it’s the foundation of pretty much any other form of digital marketing. It remains stable over time, …
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