Ubersuggest vs. Ahrefs: SEO Tool Comparison

There are so many SEO tools at your disposal today.

With digital marketing growing every day, the industry has to adapt quickly. So, the tools you use should help you work smarter and not harder.

Keyword research and SEO strategy are foundational pieces of your marketing plan. It’s all part of your workflow to draw in a larger audience—something that complements your marketing campaign overall.

To build a solid SEO strategy, you must start with a powerful research tool. So, which should you pick?

As two of the most popular names in the SEO space, my tool Ubersuggest is often compared to Ahrefs.

I know what you’re thinking: “Well, which one is better?”

When assessing SEO resources like Ubersuggest vs. Ahrefs, consider ease of use, features, functionality, and pricing. Let’s take a look at all three as we break down the differences between these two robust SEO tools.

Using Ubersuggest for SEO

With Ubersuggest, my goal is to make sure you get the insights you need as easily as possible.

We kept the dashboard simple to navigate no matter what level you’re at in your SEO journey.

You want to be able to plan your next steps clearly, not be bombarded with numbers you don’t understand yet. In our navigation bar, you’ll find everything you need to keep your strategy on track.

Type in keywords or competitor sites you want to analyze. You can see general overviews of each category or generate content ideas and suggested keywords.

Hover over the sections and see what the numbers really mean. I like the button feature that explains what’s considered “good” or even “amazing” when it comes to metrics like domain authority or backlinks. It’s like a cheat sheet to quickly determine whether you’re on the right path.

You’ll quickly see why Ubersuggest is both a beginner-friendly tool and something experts want in their SEO toolkit.

Features

What originally set Ubersuggest apart from other SEO tools was the output of keyword ideas. We’ve added a ton of valuable features since then.

With comprehensive SEO page reports, you’ll see how you’re ranking in everything from URLs to keyword usage. You’ll also see where your site traffic is coming from and your backlinks. You can even run a site audit that tells you how to fix SEO issues and stay in good SEO health.

Labs, our newest feature, includes keyword visualization and keyword lists that work as a cluster of similar keywords. You can use keyword ideas to form topics and expand on content ideas.

Keyword visualization tool from ubersuggest.

These features give us an edge. Most importantly, we listen to you to form these offerings.

You told us what you wanted to see from this tool. Now we’re using the data to help you get ahead of your competition and hit your goals.

Pricing

I know your budget is top of mind as you grow your business.

This is why we have Ubersuggest features available for free. The way it works is you get a daily search allowance on free features. It’s a great way to try out Ubersuggest and get familiar with the platform.

If you like what you see, a paid account offers even more functionality and exclusive tools. We think you will.

The beautiful thing about Ubersuggest is the ability to crawl your site. You’ll know quickly when to make pivots because the data will let you know errors right away.

Ubersuggest's pricing model.

Pricing with Ubersuggest vs. Ahrefs is significantly lower.

If you do need more features and more search capacity, we offer a package as low as $29/month. Other monthly options tier up to a Business plan at $49/month and the Enterprise plan at $99/month. These are great if you manage multiple websites, as they come with even more searches, support, and functionality.

Don’t want the hassle of a monthly bill? Get our lifetime version, pay a fixed price upfront, and you’re all set.

My goal is to keep Ubersuggest affordable and easy to use.

It’s all about helping you win at SEO and grow your traffic.

Customer Thoughts

It excites me to learn about customer opinions on Ubersuggest.

I take the feedback and learn where updates need to happen for a better user experience. Other than acknowledging Ubersuggest as a highly regarded platform, users see it as valuable.

When users mention why they switched from another platform to Ubersuggest, it is often due to the higher price and usability of the other platform.

Ubersuggest is all about low cost with high value.

It makes my day to see those who don’t consider themselves SEO experts feel their needs are covered with this tool.

Using Ahrefs for SEO

Ahrefs' homepage.

Ahrefs is categorized as a suite of SEO tools.

This advanced SEO resource gives you the inside scoop on content marketing. It helps users examine competitors’ success and high-ranking keywords. It also offers a unique backlink approach to help you make better decisions with content creation. What makes Ahrefs’ backlink tool unique is its ability to discover internal links for you to build on among other features.

If you’re a complete newbie to their software, they have a guide to walk you through it all.

Ahrefs knows getting ahead of your competition is important to you as a business owner. They emphasize how you can get more traffic and how to navigate hitting a plateau with site traffic.

Their keyword study offers the most critical data for users. This is just some of the data reports they offer. So, let’s look at all features to see how it’s shaping customer outcomes.

Features

Organic traffic and keyword overview using Ahrefs.

The main aids for users are broken into categories like Ubersuggest. There’s the Site Explorer, Content Explorer, Keyword Explorer, and the Site Audit.

The Site Explorer reports on the performance of different web pages, while the Content Explorer allows you to search for top-performing web pages. In Site Explorer, there are three SEO tools: organic traffic research, backlink checker, and paid traffic research. They each help you with measuring data through competitive research.

In Content Explorer, you can mix and match your search to discover high-performing content. With the filter options, you can analyze where to add new ideas when generating your own content.

This is consistent and connected with the Keyword Explorer, which generates the click-through rate (CTR) and monthly search volume for specific keywords. It returns stats on keywords, including data on search volume, keyword difficulty analysis, and a few other reports.

Ahrefs' content explorer.
Ahrefs' keyword overview of healthy juices.

As with Ubersuggest, there is also a Site Audit feature. This shows you where your site needs cleanup at the page level and where you can make adjustments.

Pricing

Ahrefs has various plans ranging from Lite to Enterprise.

If you’re managing a single site, the Lite plan at $99/month is your best bet. Other options include the Standard plan for $199/month or $399/month for the Advanced plan. If you are an agency seeking their expertise, $999/month for the Enterprise plan is the going fee.

If you aren’t sure what level you should choose, sign up for Ahrefs Webmaster Tools to get free limited access to their Site Explorer & Site Audit. Then, if you decide you need more features, you can upgrade. You can see just how the tool will benefit you and your business without taking too much of a risk if it’s not a good fit.

Customer Thoughts

Users refer to Ahrefs as an all-in-one solution.

Many reviewers feel it meets their needs on a business level, making it their top preference for an SEO tool. Longtime users state that the updates usually trend in favor of sharpening their SEO strategy.

This attention to detail is what gets users to stick around.

Regularly updated features and fast solution development are other things users notice and appreciate. Users have expressed they’re taking SEO seriously, and the education Ahrefs provides makes it their must-have SEO tool.

Ubersuggest vs. Ahrefs: What’s the Better SEO Tool?

Both tools are big names in SEO.

When looking at features, pricing, and customer feedback, both have very positive standings.

Other than a few differences in features—which make each option unique—affordability is a big deal to businesses. If your choice boils down to overall price, Ubersuggest is the most budget-friendly option.

However, you could use them together for even better SEO results—if the price is right.

Can You Use Ubersuggest and Ahrefs Together?

It doesn’t have to be Ahrefs vs. Ubersuggest. You can use them together.

While the platforms are comparable, each one has features the other doesn’t that can be helpful to users.

For example, there’s Labs on Ubersuggest vs. Ahrefs, which offers internal backlink tracking.

You can then use both tools together to see where you can maximize keyword opportunities, especially long-tail options, and have internal links cycling within your content as much as possible.

So, having both is reasonable in many instances. Most importantly, both Ahrefs and Ubersuggest want to see you win at SEO.

Conclusion

There are several powerful SEO tools on the market. Make sure you test out all the features before diving in with a paid account. All the value offered will assist in molding your content creation, blog, and SEO ranking strategies.

When weighing Ahrefs vs. Ubersuggest, consider the overall value. Price point and resource functionality are what businesses like yours look for when expanding with workflow tools.

So, my recommendation is to try each tool’s lowest-level plan. After putting both tools to work, you will know which is best to upgrade your SEO strategy.

What have you been able to accomplish using Ubersuggest vs. Ahrefs? Do you use both solutions for your SEO needs?

The post Ubersuggest vs. Ahrefs: SEO Tool Comparison appeared first on #1 SEO FOR SMALL BUSINESSES.

The post Ubersuggest vs. Ahrefs: SEO Tool Comparison appeared first on Buy It At A Bargain – Deals And Reviews.

Ubersuggest vs. Ahrefs: SEO Tool Comparison

There are so many SEO tools at your disposal today.

With digital marketing growing every day, the industry has to adapt quickly. So, the tools you use should help you work smarter and not harder.

Keyword research and SEO strategy are foundational pieces of your marketing plan. It’s all part of your workflow to draw in a larger audience—something that complements your marketing campaign overall.

To build a solid SEO strategy, you must start with a powerful research tool. So, which should you pick?

As two of the most popular names in the SEO space, my tool Ubersuggest is often compared to Ahrefs.

I know what you’re thinking: “Well, which one is better?”

When assessing SEO resources like Ubersuggest vs. Ahrefs, consider ease of use, features, functionality, and pricing. Let’s take a look at all three as we break down the differences between these two robust SEO tools.

Using Ubersuggest for SEO

With Ubersuggest, my goal is to make sure you get the insights you need as easily as possible.

We kept the dashboard simple to navigate no matter what level you’re at in your SEO journey.

You want to be able to plan your next steps clearly, not be bombarded with numbers you don’t understand yet. In our navigation bar, you’ll find everything you need to keep your strategy on track.

Backlink overview for neilpatel.com using Ubersuggest.

Type in keywords or competitor sites you want to analyze. You can see general overviews of each category or generate content ideas and suggested keywords.

Hover over the sections and see what the numbers really mean. I like the button feature that explains what’s considered “good” or even “amazing” when it comes to metrics like domain authority or backlinks. It’s like a cheat sheet to quickly determine whether you’re on the right path.

You’ll quickly see why Ubersuggest is both a beginner-friendly tool and something experts want in their SEO toolkit.

Features

What originally set Ubersuggest apart from other SEO tools was the output of keyword ideas. We’ve added a ton of valuable features since then.

With comprehensive SEO page reports, you’ll see how you’re ranking in everything from URLs to keyword usage. You’ll also see where your site traffic is coming from and your backlinks. You can even run a site audit that tells you how to fix SEO issues and stay in good SEO health.

Labs, our newest feature, includes keyword visualization and keyword lists that work as a cluster of similar keywords. You can use keyword ideas to form topics and expand on content ideas.

Keyword visualization for the term pet groomer, using ubersuggest.
Keyword visualization tool from ubersuggest.

These features give us an edge. Most importantly, we listen to you to form these offerings.

You told us what you wanted to see from this tool. Now we’re using the data to help you get ahead of your competition and hit your goals.

Pricing

I know your budget is top of mind as you grow your business.

This is why we have Ubersuggest features available for free. The way it works is you get a daily search allowance on free features. It’s a great way to try out Ubersuggest and get familiar with the platform.

If you like what you see, a paid account offers even more functionality and exclusive tools. We think you will.

The beautiful thing about Ubersuggest is the ability to crawl your site. You’ll know quickly when to make pivots because the data will let you know errors right away.

Ubersuggest's pricing model.

Pricing with Ubersuggest vs. Ahrefs is significantly lower.

If you do need more features and more search capacity, we offer a package as low as $29/month. Other monthly options tier up to a Business plan at $49/month and the Enterprise plan at $99/month. These are great if you manage multiple websites, as they come with even more searches, support, and functionality.

Don’t want the hassle of a monthly bill? Get our lifetime version, pay a fixed price upfront, and you’re all set.

My goal is to keep Ubersuggest affordable and easy to use.

It’s all about helping you win at SEO and grow your traffic.

Customer Thoughts

It excites me to learn about customer opinions on Ubersuggest.

I take the feedback and learn where updates need to happen for a better user experience. Other than acknowledging Ubersuggest as a highly regarded platform, users see it as valuable.

When users mention why they switched from another platform to Ubersuggest, it is often due to the higher price and usability of the other platform.

Ubersuggest is all about low cost with high value.

It makes my day to see those who don’t consider themselves SEO experts feel their needs are covered with this tool.

Using Ahrefs for SEO

Ahrefs' homepage.

Ahrefs is categorized as a suite of SEO tools.

This advanced SEO resource gives you the inside scoop on content marketing. It helps users examine competitors’ success and high-ranking keywords. It also offers a unique backlink approach to help you make better decisions with content creation. What makes Ahrefs’ backlink tool unique is its ability to discover internal links for you to build on among other features.

If you’re a complete newbie to their software, they have a guide to walk you through it all.

Ahrefs knows getting ahead of your competition is important to you as a business owner. They emphasize how you can get more traffic and how to navigate hitting a plateau with site traffic.

Their keyword study offers the most critical data for users. This is just some of the data reports they offer. So, let’s look at all features to see how it’s shaping customer outcomes.

Features

Organic traffic and keyword overview using Ahrefs.

The main aids for users are broken into categories like Ubersuggest. There’s the Site Explorer, Content Explorer, Keyword Explorer, and the Site Audit.

The Site Explorer reports on the performance of different web pages, while the Content Explorer allows you to search for top-performing web pages. In Site Explorer, there are three SEO tools: organic traffic research, backlink checker, and paid traffic research. They each help you with measuring data through competitive research.

In Content Explorer, you can mix and match your search to discover high-performing content. With the filter options, you can analyze where to add new ideas when generating your own content.

This is consistent and connected with the Keyword Explorer, which generates the click-through rate (CTR) and monthly search volume for specific keywords. It returns stats on keywords, including data on search volume, keyword difficulty analysis, and a few other reports.

Ahrefs' content explorer.
Ahrefs' keyword overview of healthy juices.

As with Ubersuggest, there is also a Site Audit feature. This shows you where your site needs cleanup at the page level and where you can make adjustments.

Pricing

Ahrefs has various plans ranging from Lite to Enterprise.

If you’re managing a single site, the Lite plan at $99/month is your best bet. Other options include the Standard plan for $199/month or $399/month for the Advanced plan. If you are an agency seeking their expertise, $999/month for the Enterprise plan is the going fee.

If you aren’t sure what level you should choose, sign up for Ahrefs Webmaster Tools to get free limited access to their Site Explorer & Site Audit. Then, if you decide you need more features, you can upgrade. You can see just how the tool will benefit you and your business without taking too much of a risk if it’s not a good fit.

Customer Thoughts

Users refer to Ahrefs as an all-in-one solution.

Many reviewers feel it meets their needs on a business level, making it their top preference for an SEO tool. Longtime users state that the updates usually trend in favor of sharpening their SEO strategy.

This attention to detail is what gets users to stick around.

Regularly updated features and fast solution development are other things users notice and appreciate. Users have expressed they’re taking SEO seriously, and the education Ahrefs provides makes it their must-have SEO tool.

Ubersuggest vs. Ahrefs: What’s the Better SEO Tool?

Both tools are big names in SEO.

When looking at features, pricing, and customer feedback, both have very positive standings.

Other than a few differences in features—which make each option unique—affordability is a big deal to businesses. If your choice boils down to overall price, Ubersuggest is the most budget-friendly option.

However, you could use them together for even better SEO results—if the price is right.

Can You Use Ubersuggest and Ahrefs Together?

It doesn’t have to be Ahrefs vs. Ubersuggest. You can use them together.

While the platforms are comparable, each one has features the other doesn’t that can be helpful to users.

For example, there’s Labs on Ubersuggest vs. Ahrefs, which offers internal backlink tracking.

You can then use both tools together to see where you can maximize keyword opportunities, especially long-tail options, and have internal links cycling within your content as much as possible.

So, having both is reasonable in many instances. Most importantly, both Ahrefs and Ubersuggest want to see you win at SEO.

Conclusion

There are several powerful SEO tools on the market. Make sure you test out all the features before diving in with a paid account. All the value offered will assist in molding your content creation, blog, and SEO ranking strategies.

When weighing Ahrefs vs. Ubersuggest, consider the overall value. Price point and resource functionality are what businesses like yours look for when expanding with workflow tools.

So, my recommendation is to try each tool’s lowest-level plan. After putting both tools to work, you will know which is best to upgrade your SEO strategy.

What have you been able to accomplish using Ubersuggest vs. Ahrefs? Do you use both solutions for your SEO needs?

How One Simple Tool Will Cut Down Your Blogging Time by Half

You heard about AI, but have you ever used it?

Just think of it this way, what if you can use artificial intelligence to create content for you so you wouldn’t have to even write?

Well, believe it or not, this blog post that you are reading now was written by a simple AI tool.

To be fair no AI tool is perfect yet as technology isn’t there yet.

And to give you perspective the AI wrote this post and then I had to modify it and add specific sections and steps.

When I look back and did an analysis, AI wrote roughly 25% of this post.

That’s not too bad. Sure, I had to write 75%, but the hardest part about writing isn’t putting words on a paper it’s coming up with the ideas and the overall format.

So today I am going to show you how to write a blog post using AI… keep in mind over time it will get better as technology improves.

But first, something you should know…

Don’t worry about duplicate content

Google doesn’t penalize for duplicate content and even if they did this AI tools makes 100% unique content for you.

So, you won’t have duplicative or plagiarism issues.

It’s not just mixing words around it is trying to understand what you are trying to write your article on, do research, and come up with words that encompass everything you are trying to get across.

Let’s get started

First off, go to Ubersuggest’s AI Writer.

First, enter in the keyword you want an article on. For this example, I chose the term “digital marketing” as my blog is on digital marketing.

Then you will want to select a title from the list provided. You don’t always have to use it at the very end but a lot of the titles are based on what people are searching for.

Next, you will want to choose a meta description.

Similar to the above, meta description is also based on keywords that are popular from a traffic perspective.

After you select your meta description you will want to select a few headings.

Keep in mind headings are like book chapters. Pick the ones that work the best, and again keep in mind you can always adjust the text later on.

The last step is, that Ubersuggest will take all of the data and spit out content for you.

By no means is the content perfect and I wouldn’t recommend publishing it or any AI content written by any tool for that matter.

More so use it as a starting ground.

So how do you modify the article?

Well, the AI tool won’t always be contextually accurate, but most of the time it is.

More so the way you make the AI piece amazing is by getting more detailed.

So for example in the digital marketing above, in the “create an online presence” section I would go in-depth on Facebook, Twitter, LinkedIn, and Pinterest on how you can use them for marketing.

As for Google + it doesn’t exist, so I would delete that part and expand the other platforms and give step-by-step instructions on how to leverage them.

I would also include screenshots so each step is clear.

Under the “promote your brand” section I would discuss ads and other ways to promote your brand such as running promotions, sales during holidays, or even doing webinars.

I would give examples of other successful ones that businesses have run and give examples of failed campaigns that have been run and break down what you can learn from them.

The “grow your audience” section already talks about what to do if you have no followers. They are all good tips that the AI tool wrote, but the tips are too surface level. I would dive deep into each one.

From how you should think about commenting on other profiles and blogs to what email templates to use to convince people to collaborate with you.

And the measuring success section was cut off from the above screenshot but it mentions Google Analytics. I would go more in-depth on how to set up goals in Google Analytics and tie in revenue.

Conclusion

The Ubersuggest AI tool isn’t meant to replace humans or for it to perfectly write your content for you.

It’s meant to give you a start.

You have experienced writer’s block and we all hate it. The tool solves that part plus it gives you a head start.

It not only gives you title and meta description ideas, but it writes some of the content for you as well as gives you popular headings based on keyword search volume.

All you have to do is adjust and fill in the rest.

So make sure you give it a try.

Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox?

We all have tools. I’m not just talking about hammers and nails. We have kitchen tools, lawn care tools, tools we use in the office, even tools we use to care for our pets and our children.  Business owners have tools they use for many things, including managing finances. Is Divvy a tool that business owners need in their toolbox? Let’s find out.

Find Out If Divvy Is Right For Your Business

There are a number of money management tools on the market. We’re digging in with Divvy to find the good, the bad, and the ugly so you can make an informed decision for your business.

What Divvy Is, and What It Isn’t

What is Divvy? At its core, it is an expense management system. In fact, it was recently acquired by Bill.com, due to the fact that Bill.com had an increasing number of customers looking for help with money management.

Check out how our reliable process will help your business get the best business credit cards.

It is designed to help businesses manage their business finances by integrating with accounting systems and helping them control spending in a streamlined manner. That is what Divvy is.

It is not meant to be a business funding option on its own. It does offer a charge card option that allows for business funding, and even helps build business credit. However, it’s purpose is to be another spending management tool.  If it were a hammer, this card would be the backside that pulls the nails out. You buy a hammer to hammer nails. The other side is useful, but generally you don’t use a hammer simply to pull nails. It works for that, but that is not it’s main purpose.

Money Management Tool

They offer a lot of great money management products for managing spending, expenses, and accounts payable. The system allows you to see transactions in real time, and send funds in seconds via mobile or desktop.

You can also issue cards to employees, either virtual or physical cards, and give them direct access to funds with a spending limit you set. This not only cuts down on expense reports, but also helps with budget management. That is the main purpose of the card.

The system currently integrates with Quickbooks Online and Oracle Netsuite.  Integration with Xero and Quickbooks Desktop is coming soon.

On the accounts payable side, you can seamlessly receive invoices, get approvals, and send payment by either ACH, check, or virtual card. It’s truly an easy and innovative way to streamline processes and manage spend. However, there is currently a waitlist for accounts payable services.

Building Business Credit

So, what’s the deal with Divvy and business credit? They do offer a business card. They have more than one way of underwriting so that if you do not qualify with traditional underwriting, they can look at other factors for approval. There is really no elaboration on what these may be.  But, often it is monthly income, time in business, and the like.

So, if you do not qualify for other cards, you may qualify for this one. The main point of the card however, is that it is attached to the Divvy system. That means, if you distribute cards or virtual cards to employees, you can see their spending in real time. It offers business owners more control.

Check out how our reliable process will help your business get the best business credit cards.

They report positive payment history to  the Small Business Finance Exchange. That means this card does help you build your business credit score, because the SBFE reports information to Dun & Bradstreet.  Since only 7% of companies that offer credit to businesses actually report positive history, this is big.  One of the largest obstacles to building business credit is finding accounts that will report positive history.  Most only report missed payments.

The thing about business credit building is, one account reporting is just not enough. Your business has to be set up properly to be fundable to begin with.  Also, you need a lot more accounts that will report before you have a business credit score at all.  That in itself is a challenge. This is where a program like the Credit Suite Business Credit Builder can be helpful, because it walks you through the process of setting up to be fundable, finding accounts that will report, and applying for them at the right time so that you actually qualify.

Divvy’s Online Reputation

If you look at online reviews, you are going to get a mixed bag. Most of the negative reviews and complaints come from those looking for a business credit card.  They are not looking for money management services. Those looking for money management services seem to be pleased.

It does appear that maybe they are not clear on a lot of things, or at least they do not make the information easy to find, pertaining to how the card works and rewards. For example, one complaint was that this is a charge card, not a credit card.  That means the balance must be paid in full each month. This would explain why there is no interest rate information, as there is no interest since the card carries no balance.

After a lot of digging around I did confirm that the Divvy card is a charge card used to pull against a line of credit.  It is not a credit card, and therefore you cannot carry a balance. This information was definitely not easy to find on the website, and they refer to the card as a credit card multiple times.

Check out how our reliable process will help your business get the best business credit cards.

Another complaint noted that card rewards are not earned unless you use at least 30% of the credit line. I could not verify this. There is no mention of it that I could find. That doesn’t mean it isn’t there, but it certainly is not out front information.

There were many positive reviews from those who were using the service mainly for money management.

They have a D+ rating at BBB.org. However, the fact that the business is only 3 years old and there are only a handful of reviews and complaints, skews this grade. People are much more likely to report negative experiences to the Better Business Bureau. Any negative report is going to bring the grade down very quickly.

It’s important to note also that the company did respond to the complaints and worked to make them right if they were in the wrong.

What’s the Final Word on Divvy?

This is a new company, and it appears to be making its way well among the new-ish niche of money management options.  They offer what appears to be smooth integration with common accounting systems.  Their charge card allows for spend control and options for managing cash flow.  It is an added bonus that they report on-time payments to your business credit profile.

In conclusion, this is a great tool for money management. One major reason for this is that they can help you build credit for your business.  If you are looking for a money management option for your business tool box, it’s a solid choice. Apply for Divvy now. If you are mainly looking for a business credit card, you may be better off with something else.

The Credit Suite Business Credit Builder can help you position your business to qualify for all the funding you will ever need, and help you find the best vendors for your business at the same time.  Sign up for a free business credit consultation today.

The post Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox? appeared first on Credit Suite.

Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox?

We all have tools. I’m not just talking about hammers and nails. We have kitchen tools, lawn care tools, tools we use in the office, even tools we use to care for our pets and our children.  Business owners have tools they use for many things, including managing finances. Is Divvy a tool that business owners need in their toolbox? Let’s find out.

Find Out If Divvy Is Right For Your Business

There are a number of money management tools on the market. We’re digging in with Divvy to find the good, the bad, and the ugly so you can make an informed decision for your business.

What Divvy Is, and What It Isn’t

What is Divvy? At its core, it is an expense management system. In fact, it was recently acquired by Bill.com, due to the fact that Bill.com had an increasing number of customers looking for help with money management.

Check out how our reliable process will help your business get the best business credit cards.

It is designed to help businesses manage their business finances by integrating with accounting systems and helping them control spending in a streamlined manner. That is what Divvy is.

It is not meant to be a business funding option on its own. It does offer a charge card option that allows for business funding, and even helps build business credit. However, it’s purpose is to be another spending management tool.  If it were a hammer, this card would be the backside that pulls the nails out. You buy a hammer to hammer nails. The other side is useful, but generally you don’t use a hammer simply to pull nails. It works for that, but that is not it’s main purpose.

Money Management Tool

They offer a lot of great money management products for managing spending, expenses, and accounts payable. The system allows you to see transactions in real time, and send funds in seconds via mobile or desktop.

You can also issue cards to employees, either virtual or physical cards, and give them direct access to funds with a spending limit you set. This not only cuts down on expense reports, but also helps with budget management. That is the main purpose of the card.

The system currently integrates with Quickbooks Online and Oracle Netsuite.  Integration with Xero and Quickbooks Desktop is coming soon.

On the accounts payable side, you can seamlessly receive invoices, get approvals, and send payment by either ACH, check, or virtual card. It’s truly an easy and innovative way to streamline processes and manage spend. However, there is currently a waitlist for accounts payable services.

Building Business Credit

So, what’s the deal with Divvy and business credit? They do offer a business card. They have more than one way of underwriting so that if you do not qualify with traditional underwriting, they can look at other factors for approval. There is really no elaboration on what these may be.  But, often it is monthly income, time in business, and the like.

So, if you do not qualify for other cards, you may qualify for this one. The main point of the card however, is that it is attached to the Divvy system. That means, if you distribute cards or virtual cards to employees, you can see their spending in real time. It offers business owners more control.

Check out how our reliable process will help your business get the best business credit cards.

They report positive payment history to  the Small Business Finance Exchange. That means this card does help you build your business credit score, because the SBFE reports information to Dun & Bradstreet.  Since only 7% of companies that offer credit to businesses actually report positive history, this is big.  One of the largest obstacles to building business credit is finding accounts that will report positive history.  Most only report missed payments.

The thing about business credit building is, one account reporting is just not enough. Your business has to be set up properly to be fundable to begin with.  Also, you need a lot more accounts that will report before you have a business credit score at all.  That in itself is a challenge. This is where a program like the Credit Suite Business Credit Builder can be helpful, because it walks you through the process of setting up to be fundable, finding accounts that will report, and applying for them at the right time so that you actually qualify.

Divvy’s Online Reputation

If you look at online reviews, you are going to get a mixed bag. Most of the negative reviews and complaints come from those looking for a business credit card.  They are not looking for money management services. Those looking for money management services seem to be pleased.

It does appear that maybe they are not clear on a lot of things, or at least they do not make the information easy to find, pertaining to how the card works and rewards. For example, one complaint was that this is a charge card, not a credit card.  That means the balance must be paid in full each month. This would explain why there is no interest rate information, as there is no interest since the card carries no balance.

After a lot of digging around I did confirm that the Divvy card is a charge card used to pull against a line of credit.  It is not a credit card, and therefore you cannot carry a balance. This information was definitely not easy to find on the website, and they refer to the card as a credit card multiple times.

Check out how our reliable process will help your business get the best business credit cards.

Another complaint noted that card rewards are not earned unless you use at least 30% of the credit line. I could not verify this. There is no mention of it that I could find. That doesn’t mean it isn’t there, but it certainly is not out front information.

There were many positive reviews from those who were using the service mainly for money management.

They have a D+ rating at BBB.org. However, the fact that the business is only 3 years old and there are only a handful of reviews and complaints, skews this grade. People are much more likely to report negative experiences to the Better Business Bureau. Any negative report is going to bring the grade down very quickly.

It’s important to note also that the company did respond to the complaints and worked to make them right if they were in the wrong.

What’s the Final Word on Divvy?

This is a new company, and it appears to be making its way well among the new-ish niche of money management options.  They offer what appears to be smooth integration with common accounting systems.  Their charge card allows for spend control and options for managing cash flow.  It is an added bonus that they report on-time payments to your business credit profile.

In conclusion, this is a great tool for money management. One major reason for this is that they can help you build credit for your business.  If you are looking for a money management option for your business tool box, it’s a solid choice. Apply for Divvy now. If you are mainly looking for a business credit card, you may be better off with something else.

The Credit Suite Business Credit Builder can help you position your business to qualify for all the funding you will ever need, and help you find the best vendors for your business at the same time.  Sign up for a free business credit consultation today.

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Business Credit Builder: Avoid Major Credit Blunders with this Simple Tool

Credit is a complicated creature. The second you think you have it figured out, it turns on you.  Truly, if you don’t handle it just right, it can morph from powerful ally to mortal enemy in a flash.  This is especially true if you are trying to run a business.  Thankfully, the Business Credit Builder can help in a big way. 

Get our business credit building checklist and build business credit the fast and easy way. 

3 Major Credit Blunders and How the Business Credit Builder Can Help

Across the ages, one major problem business owners face is funding. Funding is an issue that cuts across all industries, all owner experience levels, and all business entity types. 

One reason business owners may have trouble finding funding is, they do not realize there are actually two types of credit.  Not only is there personal credit, but there is also business credit. Once this simple revelation comes to light, the trajectory of the business can begin to change for the better. Personal finances do not have to suffer. 

What is Business Credit? 

Business credit is credit in the name of your business only. It is based on how likely the business is to repay bills, not the owner.

As a result, business credit accounts do not show up on your personal credit report.  In fact,  they do not affect your personal credit score at all.  In addition, the business is responsible for repayment, not the owner. 

Why Do You Need Business Credit? 

Few business owners understand all the benefits of business credit. 

Some of these include: 

  • Liability protection
  • Lower debt-to-credit ratio on your personal report
  • And higher credit limits

How the Business Credit Builder Can Help

So, how do you build business credit? How do you get accounts that are not connected to your personal credit?  With the Business Credit Builder of course! It sounds simple, but here is the thing. While building business credit is not necessarily hard, there are a lot of steps. It can be overwhelming without guidance.

This is where the business credit builder comes in.  It can help guide you through the process.   Even better, it can help you avoid these three major credit blunders, among others.

Blunder 1: Ruining Personal Credit with Business Debt

This is a huge problem. So many business owners do not know that they can get business credit without a personal guarantee. These are credit accounts that will not affect your personal credit profile should your business not be able to pay. 

Of course, being personally on the line for business debt can cause a lot of issues.  For an extreme example, consider the case of West Virginia Governor Jim Justice. He personally guaranteed over $700 million in loans for his coal company, Bluestone Resources.  The loans were through Greensill Capital, which is now defunct.  The downfall is due to an insurance carrier choosing to no longer underwrite funds for the popular finance company.  As you can imagine, the domino effect is vast and far reaching. 

Get our business credit building checklist and build business credit the fast and easy way.

Currently the impact on the Governor’s personal finances remains to be seen.  However, it’s not hard to imagine the devastation something like this could wreak on a small business owner. Fortunately, working to build business credit with the Business Credit Builder can help you avoid this type of credit blunder and protect your personal finances. 

Blunder 2: Ignoring Fundability Factors

Fundability is the overall ability of a business to get funding. There are over 100 factors that affect it.  That makes it difficult for the average small business owner to navigate and assess the fundability of their business on their own.  

The first part of this is what you will work through in Step 1 of the Business Credit Builder. It walks you through the process of building a foundation of fundability.  After all, you wouldn’t build a house on a shaky foundation.   You shouldn’t try to build business credit without a strong, fundable foundation either. 

Blunder 3: Accounts Not Reporting

The only way to get a business credit score is to get accounts that will report to the business credit reporting agencies

Honestly, this is tricky.  With consumer credit, pretty much all accounts report payment history to your personal credit report.  In contrast, only about 7% of companies that issue business credit report payments to business credit reports.  Without this payment history, you do not have a business credit score. 

Get our business credit building checklist and build business credit the fast and easy way.

What makes it harder is the fact that most companies that do report do not make that fact common knowledge. In fact, the only way to build business credit payment history on your own is through trial and error. You have to guess at which vendors will report your payments.  And of course, there is the fact that you have to get accounts that will not only report, but that will extend business credit before you actually have a business credit score so that you can get started. 

How the Business Credit Builder Helps You Get Accounts Reporting

Step 2 helps you establish your initial business credit profile, so that accounts have something to actually report to. 

Then, in Step 3 of the Business Credit Builder, you will get exclusive access to starter vendors that will issue net invoices without checking credit. Then, they report your payments on those invoices to the business credit reporting agencies. We remove the need for trial and error and show you the exact accounts you can get to get the business credit score process going.

After enough of these types of accounts are reporting payments, you will qualify for more types of accounts.  

Step 4 addresses this by showing you how to get copies of your business credit reports and see which accounts are reporting.  You will also have the opportunity to review these reports with one of our expert advisors to learn more about what it says and how to address issues and mistakes. 

How do you know when you have enough accounts reporting? How do you know which accounts to apply for next?  Fortunately, the Business Credit Builder can guide you.  In fact, this is your all-in-one tool for business business credit. 

Steps 5-7 take you through the process of adding accounts to continue to build credit.  As you gain enough accounts in each step, you will unlock access to vendors that will both approve you at your current step in the process and report your payments.  

Other Benefits of the Business Credit Builder

In addition to all of this, there are a number of other benefits to the program. For example, you will get free, unlimited use of a business valuation tool. This will allow you to see what your business is worth right now, and monitor its growth into the future. 

You’ll also have the opportunity to save up to 90% on business credit monitoring, and have access to expert help. You’ll get a whole year of business advisor support and 5 years of finance officer support, all included!

Are You Ready to Get Started? 

Honestly, the best way to start is get a free consultation with a business credit expert. This is someone who can help you determine where your business stands now, help you find financing, and help you determine if the Business Credit Builder is right for you.

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