10 Successful Google Advertising Ideas

Coming up with Google advertising ideas is challenging. However, it’s well worth it to have a solid strategy.

With around 3.5 billion searches per day, Google gives you an incredible opportunity to get in front of the right audience. Of course, you first need to know what you’re doing.

If you’ve been looking for ways to get the most out of your Google ad campaigns, this article is just for you.

Before we get to strategy, let’s first understand what Google ads are. Google Ads (previously known as Google AdWords) is an advertising platform for PPC ads. With the right strategy, you can drive qualified traffic, connect with your target customers, and drive sales.

One of the platform’s best aspects is that it allows you to stick within your ad budget by setting your ads to stay within a certain daily, weekly, or monthly cap. You can also pause or completely stop the ads at any time.

Sometimes in marketing, keeping a close eye on the budget can be a challenge. This flexibility allows you complete control over your budget.

If you’re not yet convinced about how effective the platform is, perhaps these numbers can give you more clarity:

58 percent of Millennials say they purchased a product because of an online or social media ad.
63 percent of users have clicked on a Google ad.
43 percent of users bought a product after going online and seeing the ad.

It’s clear that Google ads can do wonders for your business and your bottom line.

The only questions now are: With so many marketers using the platform, how do you stand out in this virtual crowd? How do you create the right Google ads that get you in front of the right audience at the right time?

Let’s find out!

Tips for Generating Google Advertising Ideas

There are a lot of components involved in generating and executing successful Google advertising campaigns. Here are a couple of tips to set you on the right path:

Keyword Research

Keyword research is an essential element of your campaign. If you don’t get this part right, it will be challenging to achieve the results you’re looking for.

Below, we’ll talk more about keyword research for Google ads, but for now, it’s important to start generating some keyword ideas. To get started, you can use a tool like Ubersuggest.

It’s a free keyword research tool that allows you to generate keyword ideas and look at some of your competitors and the keywords they’re using.

Trend Forecasting

Predictions are an essential part of marketing. Before you start any campaign, it’s necessary to have some idea of what your success (or not) might look like.

Of course, the best way to predict this is with data.

Google Ads offers a keyword planner, which you can use to get forecasts for your chosen keywords. This planner can provide you with essential information, such as the number of clicks your ad might get every day, the average cost for those clicks, the number of impressions, the click-through-rate (CTR), and more.

With this information, you can start building a solid Google advertising campaign.

Keyword research and trend forecasting are just a couple of essential steps to get started. Now, let’s get into the nitty-gritty, the strategies, and everything that can help make your campaign a success.

Top 10 Google Advertising Ideas

It’s time to get down to the good stuff: What are the Google advertising ideas that can help you reach your goals?

1. Write a Good Headline

John Caples once wrote: “If the headline is poor, the copy will not be read. And copy that is not read does not sell goods.”

There’s no denying the impact that a strong headline has on your audience. Of course, this is what convinces people to click on the ad!

Here are some basic pointers for writing strong headlines:

Understand your audience. Who are you speaking to?
Include your main keyword.
Address a problem your audience is facing.
Highlight the biggest benefit in the headline.
Don’t overcomplicate things. Keep things simple.
Don’t be afraid to add some humor.

Creating a headline can be one of the challenging parts of the campaign. Sometimes, you just don’t know where or how to start. Consider following a strategy, like Melanie Duncan’s 4U formula, to create useful, urgent, unique, and ultra-specific headlines to help you get started.

2. Think About User Intent Before Diving into Google Advertising Ideas

When we research keywords, we tend to focus on the numbers. How much search volume does this keyword get per month? What’s the cost per click (CPC)? What about the paid difficulty?

While all these numbers are essential to consider, the most important element of a keyword strategy should be the user intent.

Why? Because user intent (sometimes referred to as “search intent”) gives you the “why” behind the keyword.

Why did your audience search for that particular keyword? Were they trying to purchase something, or were they just trying to get more information about it?

Understanding your audience’s intentions can help you discover which keywords are the best to target for higher ROI.

There are four different kinds of user intents:

Informational: This is when a user wants more information about a topic. For instance, “How many calories in a donut?”
Navigational: This is when a user wants to go to a particular web page. For instance, if you want to go to the Neil Patel blog, you type that into your Google search bar.
Commercial: This is when a user wants to research a particular product or service. This user will likely make a purchase in the near future, but right now, they are at the research phase. For instance, “New iPhone specs” or “iPhone vs. Samsung.”
Transactional: This is when a user wants to take action, like buy a product. For instance, “iPhone charger” or “cheapest flights from LA to Chicago.”

Understanding user intent will help you target the right keywords. If someone is searching for how many calories are in a donut, they want content related to that. If your product is a calorie calculator, that’s great! They’re likely to go to the calorie calculator because it helps them fulfill what they’re looking for at that time.

Paying attention to user intent can help you rank higher and attract more clicks because you’ll be giving your audience what they want.

3. Advertise Limited Offer Sales

Any offer with a ticking clock naturally encourages your audience to act faster and purchase the product or service. That’s why limited offer sales work so well.

In a nutshell, a limited offer sale is any deal, discount, or reward you offer to consumers who make a purchase during a certain period.

An excellent example of this is Black Friday Sales. Every year, Black Friday sales seem to hit a new record, with consumers spending more and more.

That’s because consumers know they’ll have to wait a long time before they can get the product at the discounted price again, so they’re encouraged to make the purchase quickly.

For your Google ad campaign, if you offer seasonal sales for any of your products, you can create ads around these sales and have them go live when your sale launches.

4. Track and Use Google Advertising Data for Iterating

One of the most important elements of any successful advertising campaign is your KPIs.

Depending on your ad goals, there are a lot of important metrics you can track, including:

number of clicks
CTR
CPC
conversion rate

Tracking your KPIs helps you know if you’re on track to meeting your goals or not.

For instance, if you see that you’re getting great clicks on your ads, but your CTR is on the lower side, it can mean your headline and keywords are getting you in front of your audience’s eyes. However, something about the ad isn’t connecting.

It could be the copy. It could be the cost of the product or service. Maybe the headline doesn’t connect with the offer in the actual ad.

Whatever the case, now’s the time to look into it and adjust what you need to.

5. Choose the Right Campaign Type for Your Google Ad

You can use one of five different types of Google ad campaigns for your Google advertising ideas.

Search Ad Campaigns

These ads appear at the top of the Search Engine Results Pages (SERPs).

For instance, if someone searches for “nursery furniture,” this is what the results look like:

Searching for nursery furniture under google advertising ideas strategy

Creating search ads is great because of what we highlighted earlier: The platform receives over 3.5 billion searches per day! This is the perfect place because many people (including your audience) are already searching for products you offer.

Video Ad Campaigns

Video ads show up before, after, and sometimes in between YouTube videos. Research has shown how effective video has become over the past few years. Creating a video ad campaign, which is different from a text ad, might help you stand out and grab your market’s attention.

Display Ad Campaigns

Display ads are a way of attracting the market of a particular social media platform, website, or other digital channels to your product or service.

The best way to go about this is to find the website or brand that best connects with your audience. Display ads are great because these are a win-win situation for both you and the owner of the site or digital platform.

The website owner gets an agreed-upon commission (usually based on clicks or impressions), and you have the opportunity to advertise in front of an audience that connects to your brand.

App Ad Campaigns

If you have an ad, perhaps Google app campaigns can be the right choice. Here, you can advertise your mobile app through Google Play, Google Search Network, Google Display Network, YouTube, and many more channels.

For app campaigns, you can run ads that encourage your target market to install your app on their devices, or if there’s a new upgrade or version to the app, you can encourage them to take a particular action.

Shopping Ad Campaigns

Lastly, there’s Google shopping ad campaigns. These ads include your product’s images and prices, and you can run them from Google Merchant Center.

You’ll input information about the product, and Google creates your ad from this information.

Shopping ads make sense if you’re trying to market a particular product but not necessarily your brand as a whole.

These are all examples of the different types of Google Ad campaigns. As you can see, it’s essential to understand your product and your market. From this, you’ll be able to know which campaign best suits your needs.

6. Perfect Your Landing Page

You’ve done all the hard work of creating a great headline, finding the right keywords, and bidding for them.

While these steps may get you clicks, it’s what happens after your market has clicked that’s so important. As you know, they still need to buy into the product or service you’re selling.

Your landing page is essential because this is what your user sees as soon as they click on your ad. Ask yourself whether the landing page addresses your market’s pain points clearly. Besides just addressing, does it also solve your audience’s challenges?

There are many elements to creating a perfect landing page, including using testimonials, the right images, and shorter forms, to name a few.

For some inspiration, here are some examples of great landing pages:

TransferWise landing page for Google advertising ideas

Wistia landing page for Google advertising ideas

From the above examples, you’ll notice that the landing pages are all simple and clear, and the copy and graphics immediately grab your attention. These are crucial elements of a successful landing page.

7. Make Your Google Ads Specific

Earlier, we mentioned the importance of understanding user intent when doing your keyword research because this helps you target the right keywords.

Now we want to highlight the importance of specificity. Your keywords shouldn’t be too broad as this might cause Google to place your ad in front of the wrong market.

Naturally, this would lead to fewer conversions.

For instance, “nursery furniture” may seem like a good keyword at first, but you can do better by getting more specific.

Aim for clarity and specificity in your keywords. Instead of just “nursery furniture,” how about:

“nursery furniture for boys”
“nursery furniture for girls”
“nursery furniture in Florida”

It might take a while to get the right keywords, but that’s fine. Remember to keep reviewing which keywords are getting the most clicks and which aren’t. This can help you understand what you should focus on and what to add, remove, or tweak to get the high conversions you’re looking for.

8. Target Your Google Ads

When trying to get the right Google advertising ideas, remember there are three keyword match types: exact, phrase, and broad matches.

Exact Match

Compared to the other keyword match types, exact match is extremely specific. Initially, if you used this match type, users could only see your ad if they typed in the same keyword phrase. Since then, Google made a few changes so that even if your user doesn’t enter the exact keyword phrase, your ads might still match. For this, the match might be with plurals, synonyms, or different variations of your chosen keyword.

Using the exact match type is great because users who type in your specific keyword are more likely to convert.

Phrase Match

Your ad appears for a phrase match if a user enters your key phrase in the exact order, but there can be other words before and after the phrase. This leaves you with the possibility of increasing traffic.

However, if the key phrase is too broad, this could mean getting lots of clicks that don’t convert because the phrase wasn’t specific enough.

Broad Match

The broad match reaches more people because your ad appears when a user types in any word of your key phrase, in no particular order. Like with phrase matches, you might get lots of traffic and clicks to your ads, but because it’s not specific enough, there may be fewer conversions.

As you can see, there are pros and cons to all three phrases. To get the most out of your Google advertising campaign, use a combination of all three so that you get a lot of traffic and conversions.

9. Optimize Your Google Ads for Mobile

While creating your ads and coming up with creative Google advertising ideas, it’s important to keep in mind that many users are using their mobile devices for searches.

Research shows that 61 percent of US Google visits happen via mobile devices. Most people are using their phones for searches, and it makes sense to keep these users in mind.

Optimizing your ads for mobile includes:

choosing responsive landing page designs
compressing images
making sure the loading speed is fast

These small details can make a huge impact on how your ads display in front of your audience and your overall conversion rate.

10. Make Your Google Ads Available in Other Languages

It depends on the nature of your business, but if you have an international audience or you’re in a multi-lingual area, consider making your ads available in different languages to cater to your audience that may not speak or understand English very well.

This may seem like a little detail, but don’t forget that language is powerful and helps us communicate and connect. If you have a non-English speaking audience you’re trying to reach, help bridge the gap by making the Google ads available in their languages.

Conclusion

It takes a lot to generate great Google advertising ideas. While the process may be a lengthy one, it’s certainly worth it to see increased clicks and conversions.

The above tips can help get you on the right path, but don’t forget to A/B test your ads to see what your audience responds to.

Do you have any other Google advertising ideas you swear by?

The post 10 Successful Google Advertising Ideas appeared first on Neil Patel.

OneSignal (Messaging and Push Notification APIs) is hiring a data engineer

Article URL: https://onesignal.com/careers/0f3cd4c8-9745-4d95-80d3-2437403255a1

Comments URL: https://news.ycombinator.com/item?id=24545750

Points: 1

# Comments: 0

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How do You Develop a Content Style Guide?

Do you have multiple writers writing for your website? Or are you a writer yourself working on different projects like website copy, emails, newsletters and more? The way you write matters when it comes to expressing yourself before your audience. That is why you need to know precisely what governs your style of writing. For …

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Seize the Day with Our OnDeck Review for Terrific Recession Financing

Avoid Business Funding Pitfalls and Let Our OnDeck Review Guide You

Itching for funding? Our OnDeck review helps you make your best possible business decision.

OnDeck is one of several online lending companies. They offer short term loans and lines of credit. We look at the specifics and drill down into the details.

Recession Age Financing

The number of US banks as well as thrifts has been decreasing progressively for a quarter of a century. This is coming from consolidation in the marketplace in addition to deregulation in the 1990s, lowering obstacles to interstate banking. See: fundera.com/blog/happened-americas-small-businesses-financial-crisis-six-years-start-crisis-look-back-10-charts

Assets focused in ever‐larger financial institutions is problematic for small business proprietors. Big banks are much less likely to make small loans. Economic declines indicate financial institutions come to be extra careful with lending. Fortunately, business credit does not count on financial institutions.

OnDeck Review: Background

OnDeck is located online here: www.ondeck.com. Their American physical address is:

1400 Broadway
New York, NY 10018.

You can call them at: (888) 269-4246. You can email them at: customerservice@ondeck.com. There is no contact page but you can chat with customer service directly on their site. They have been in business since 2007.

OnDeck Online also has a Canadian division, located online here: en-ca.ondeck.com. There is, in addition, an Australian division, located online here: www.ondeck.com.au. There is even a French version of the Canadian site.

OnDeck also receives some small business loan referrals from Prosper. See: www.prosper.com/borrower/#/prospect/pre-registration.

They will not work with certain industries. See: https://www.ondeck.com/restricted-industries.

OnDeck Review: Term Loans

Amounts available range from $5,000 – $500,000. You can get terms of 3 to 36 months.

Your company must have annual revenue of $100,000 or more. Your own personal FICO score has to be 600 or better. And your company must be in business for 1 year or more.

OnDeck Review: Fees

Interest rates start at 11.89% annual percentage rate (APR). The total cost of a short term loan will vary based on a number of factors, including personal and business credit scores, time in business and annual revenue and cash flow.

OnDeck Review: Lines of Credit

Get a line of credit from OnDeck for $6,000 to $100,000. The term is 12 months.

Withdraw up to $10,000 with Instant Funding.

Your company must have annual revenue of $100,000 or more. Your own personal FICO score has to be 600 or better. And your company must be in business for 1 year or more.

OnDeck Review: Fees

Interest rates start at 10.99% annual percentage rate (APR). The total cost of a line of credit will vary based on a number of factors, including personal and business credit scores, time in business and annual revenue and cash flow.

OnDeck Review: Advantages

Advantages include the rather low FICO score requirement for term loans. Plus there is some flexibility when it comes to term lengths. In addition, few United States-based online lenders will loan outside of the country. But OnDeck will loan to Canadian and Australian businesses.

OnDeck Review: Disadvantages

Disadvantages are the maximum APR for both term loans and lines of credit are somewhat high. Therefore, if your company cannot pay back a loan or line of credit, it could potentially sink you financially. In addition, OnDeck requires a personal guarantee.

OnDeck Review: Upshot

Companies helmed by entrepreneurs with bad personal credit would do well to take a second look at the OnDeck online lending company. However, with qualification comes a steep APR price tag and the requirement of a personal guarantee. This is somewhat understandable.

Borrowers in Canada and Australia can also work with OnDeck, although Canadian borrowers also have NUGROWTH/IBIS (www.nugrowthcapital.com) as an option, although NUGROWTH/IBIS has a higher minimum personal FICO score requirement.

Entrepreneurs would probably do better building business credit and/or trying for unsecured business financing or microloans if their financial requirements are small.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Building Business Credit Instead

Company credit is credit in a small business’s name. It doesn’t connect to a business owner’s consumer credit, not even when the owner is a sole proprietor and the solitary employee of the company. Accordingly, an entrepreneur’s business and personal credit scores can be very different.

The Benefits

Business credit helps to safeguard an entrepreneur’s personal assets, in case of court action or business bankruptcy. Also, with two distinct credit scores, an entrepreneur can get two separate cards from the same vendor.

This effectively doubles purchasing power.

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

Individual credit scores are dependent on payments but also various other elements like credit use percentages. But for company credit, the scores really only hinge on whether a corporation pays its invoices in a timely manner.

The Process

Growing company credit is a process, and it does not occur without effort. A business will need to actively work to develop business credit. Having said that, it can be done readily and quickly, and it is much more efficient than establishing individual credit scores.

Merchants are a big aspect of this process.

Carrying out the steps out of sequence will lead to repetitive denials. No one can start at the top with corporate credit. For example, you can’t start with store or cash credit from your bank. If you do you’ll get a rejection 100% of the time.

Business Credibility

A company has to be genuine to lenders and vendors. Consequently, a business will need a professional-looking website and email address, with website hosting bought from a company such as GoDaddy.

Also business telephone and fax numbers must have a listing on ListYourself.net.

At the same time the company telephone number should be toll-free (800 exchange or the like).

A business will also need a bank account devoted purely to it, and it has to have every one of the licenses necessary for operation. These licenses all must be in the identical, accurate name of the company, with the same company address and phone numbers.

So keep in mind that this means not just state licenses, but potentially also city licenses.

Working with the Internal Revenue Service

Visit the Internal Revenue Service website and obtain an EIN for the business. They’re totally free. Choose a business entity such as corporation, LLC, etc.

A business can begin as a sole proprietor. But they will more than likely want to change to a form of corporation or partnership to reduce risk and take full advantage of tax benefits.

A business entity will matter when it comes to tax obligations and liability in the event of a lawsuit. A sole proprietorship means the entrepreneur is it when it comes to liability and taxes. No one else is responsible.

Sole Proprietors Take Note!

If you run a business as a sole proprietor, then at the very least be sure to file for a DBA (‘doing business as’) status.

If you do not, then your personal name is the same as the company name. As a result, you can end up being personally responsible for all corporate financial obligations.

Also, per the Internal Revenue Service, with this arrangement there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 probability for corporations! Prevent confusion and drastically lower the odds of an Internal Revenue Service audit simultaneously.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Setting off the Business Credit Reporting Process

Begin at the D&B web site and obtain a totally free DUNS number. A DUNS number is how D&B gets a small business in their system, to produce a PAYDEX score. If there is no DUNS number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s web sites for the corporation. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for accuracy and completeness. If there are no records with them, go to the next step in the process.

In this way, Experian and Equifax will have activity to report on.

Trade Lines

First you should build trade lines that report. This is also called vendor accounts. Then you’ll have an established credit profile, and you’ll get a business credit score.

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

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

But first of all, what is trade credit? These trade lines are credit issuers who will give you preliminary credit when you have none now. Terms are ordinarily Net 30, rather than revolving.

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

Details

Net 30 accounts have to be paid in full within 30 days. 60 accounts have to be paid in full within 60 days. In comparison with revolving accounts, you have a set time when you must pay back what you borrowed or the credit you used.

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

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

Vendor Credit is Terrific!

Not every vendor can help like true starter credit can. These are vendors that will grant an approval with hardly any effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

But you may have to apply more than one time to these vendors, and you may have to purchase some things you do not really need, to confirm you are reliable and will pay on time. Consider giving nonessential items to charity.

Revolving Store Credit

Once there are 5 to 8 or more vendor trade accounts reporting to at least one of the CRAs, progress to revolving store credit. These are companies such as Office Depot and Staples. These companies are more likely to have supplies you need.

Use the corporation’s EIN on these credit applications.

Fleet Credit

Are there 8 to 10 accounts reporting? Then move onto fleet credit. These are businesses like BP and Conoco. Use this credit to buy, repair, and maintain vehicles. Make sure to apply using the corporation’s EIN.

Cash Credit

Have you been responsibly handling the credit you’ve up to this point? Then progress to cash credit. These are businesses such as Visa and MasterCard. Keep your SSN off these applications; use your EIN instead.

These are businesses like Walmart and Dell, and also Home Depot, BP, and Racetrac. These are normally MasterCard credit cards. If you have 14 trade accounts reporting, then these are feasible.

Monitor Your Business Credit

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

We can help you monitor business credit at Experian and D&B for 90% less. Update the data if there are mistakes or the information is incomplete.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Contesting Inaccuracies

So, what’s all this monitoring for? It’s to dispute any errors in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs usually want you to dispute in a particular way.

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

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

A Word about Building Business Credit

Always use credit responsibly! Don’t borrow beyond what you can pay off. Keep track of balances and deadlines for repayments. Paying on schedule and fully will do more to raise business credit scores than virtually anything else.

Growing corporate credit pays. Excellent business credit scores help a company get loans. Your lending institution knows the small business can pay its debts. They recognize the small business is bona fide.

The small business’s EIN connects to high scores, and credit issuers won’t feel the need to call for a personal guarantee.

Business credit is an asset which can help your corporation for years to come. Learn more here and get started toward growing business credit.

OnDeck Review: Some Final Thoughts

And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math.

Go over the details with care, and decide if this option will be good for you and your company. In addition, consider alternative financing options that go beyond lending. And these include building business credit.

This is so you can best decide how to get the money you need to help your business grow.

Today, we want to hear from our audience! Share your voice with us about your experiences with online lenders.

The post Seize the Day with Our OnDeck Review for Terrific Recession Financing appeared first on Credit Suite.

The Art of Hiring a Contractor

I will certainly be sending write-ups on employing specialists to issue resolving common to not so regular house repair work and also enhancements home owners normally come across. In a previous life, I was a house enhancement professional for a number of years as well as have actually experienced scenarios from the various other side as a specialist. Taking time to discover these points must assist in your choice in employing a residence renovation professional.

I will certainly be sending write-ups on employing service providers to issue fixing regular to not so common house repair work and also enhancements house owners normally come across. In a previous life, I was a house enhancement service provider for a number of years as well as have actually experienced scenarios from the various other side as a specialist. There are points that a property owner can look for when employing a service provider. Taking time to discover these points must assist in your choice in working with a residence renovation specialist.

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5 Ways to Raise Money for Business You May Not Think About

Even with the world going crazy due to the COVID-19 pandemic and the resulting economic downslide, it is possible to raise money for business. The key is to think outside the box and get creative.

Raise Money for Business: Beyond Traditional Loans and Investors

Most often people turn to traditional loans, including SBA loans, and standard investors when they need to raise money for business. In times like these however, those options may not work so well. That means it will be necessary to seek out ways to fund your business you may not have thought of already.

Raise Money for Business: Angel Investors

Angel investors are usually only in for a one-time deal. Many choose to spread their risk out over a lot of people and businesses to be certain they get a safe return on their investment.

Angels tend to be a lot more informal than most types of funding. They can be people you know, or people you connect with through networking or other means.

Angels are not covered by the Securities Exchange Commission’s (SEC) standards for accredited investors. Still, a lot of them are accredited investors anyway.

To become an accredited investor, a person has to have a minimal net worth of $1 million and an annual income of $200,000.

There are a number of angels who aren’t millionaires. They could be friends or colleagues with home equity, or local professionals who are looking to invest.

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

How Do You Find Angel Investors?

The best way to find these kinds of investors is to ask. You can also try an angel investors website or network. Try Gust, which used to be called Angel Soft. They keep a database of investors, companies, and programs. Startups can also search for business plan competitions and more.

Another option is to look at the biggest angel investor groups. Be aware, however, that these meetings are really only going to happen if you can get an introduction.

According to Entrepreneur, in order from smallest to largest the top 10 Angel Investor groups are:

New York Angels Inc.
Alliance of Angels (Seattle)
Pasadena Angels
Hyde Park Angel Network (Chicago)
Band of Angels (Menlo Park, CA)
North Coast Angel Fund (Cleveland)
Golden Seeds LLC (NYC)
Investors’ Circle (San Francisco)
Tech Coast Angels (Los Angeles) and
Ohio Tech Angel Funds (Columbus, OH)

Focus and requirements may vary from group to group. For example, some concentrate on local startups only. Do your research so you don’t waste yours and the angels’ time if it isn’t a good fit.

Raise Money for Business: Crowdfunding

Crowdfunding sites allow you to pitch your business to thousands of micro investors. Anyone who wants a piece of the action can buy in.

Investors pledge amounts ranging from as low as $5 to as high as they want. They may give $5, $80, $150, or even over $500. As a general rule, they can give as much or as little as they want.

Though not always necessary, most business owners offer rewards for investment. Typically, this comes in the form of the product the business will be selling. Different levels of giving result in different rewards.

Raise Money for Business: Credit Cards

You have to be careful with this one. Many would consider it the easy way out. This is because even with credit that isn’t stellar, credit cards aren’t all that hard to get. They also are not hard to get in trouble with. If you have established business credit, it’s best to use that to get credit cards to raise money for business.

If you do not have business credit, it’s time to fix that. Regardless of the state of the economy, you need business credit to access funding for capital, growth, and expansion. Building business credit can happen even in a recession.

Raise Money for Business: Credit Line Hybrid

A credit line hybrid is revolving, unsecured financing. It allows you to fund your business without putting up collateral, and you only pay back what you use.

What Does it Take to Qualify?

It is not as hard to qualify as you may think. You do need good personal credit. That is, your personal credit score should be at least 685. In addition, you can’t have any liens, judgments, bankruptcies or late payments. Also, in the past 6 months, you should have less than 5 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards. It’s also preferred that you have established business credit as well as personal credit.

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

If you do not meet all of the requirements, all is not lost. You can take on a credit partner that meets each of these requirements. Many business owners work with a friend or relative to fund their business. If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding.

Why Is It Such a Great Option?

There are many benefits to using a credit line hybrid. First, it is unsecured, meaning you do not have to have any collateral to put up. Next, the funding is “no-doc.” This means you do not have to provide any bank statements or financials.

Not only that, but typically approval is up to 5x that of the highest credit limit on the personal credit report. Additionally, often you can get interest rates as low as 0% for the first few months, allowing you to put that savings back into your business.

The process is pretty fast, especially with a qualified expert to walk you through it. One other benefit is this. With the approval for multiple credit cards, competition is created. This makes it easier, and likely even if you handle the credit responsibly, that you can get interest rates lowered and limits raised every few months.

Build Business Credit with a Credit Line Hybrid

The key is the approval of multiple business credit cards at once. If your business is set up properly, they will report your on-time payments to the business credit reporting agencies. These include Dun & Bradstreet, Experian, and Equifax mostly, though there are others. Not all of them report to all of the CRAs, but some of them report to at least one. Each account reporting consistent on-time payments helps you build strong business credit.

The Connection Between Business Credit and Fundability

Here is how it works. The fundability of your business is like a huge puzzle. All the pieces fit together, and you have to have all the pieces to see the complete picture. Unlike a puzzle, some pieces are bigger than others, meaning if you are missing those pieces, the impact on your complete fundability picture is bigger. Business credit is the biggest piece of the fundability puzzle.

To begin building business credit, and thus fundability, you first have to set your business up to be a fundability entity apart from yourself.

How to Set Up Your Business to Build Business Credit and Be Fundable

There are a few things you have to do to be sure that your business debts are reported to the business credit reporting agencies and thus your business credit report, not your personal credit report.

Make Sure You Have Separate Contact Information

Your business has to have its own phone number, fax number, and address. You can still run your business from your home or on your computer if that is what you want. There is no need to even have a fax machine.

You can get a business phone number and fax number that will work over the internet instead of phone lines. Also, the phone number will forward to any phone you want. As a result, you can simply use your personal cell phone or landline. Whenever someone calls your business number it will ring straight through.

Faxes can be sent to an online fax service, if anyone ever happens to actually fax you. This part may seem outdated, but it does help your business appear legitimate to lenders.

You can use a virtual office for a business address. How do you get a virtual office? What is that? It’s not what you may think. This is a business that offers a physical address for a fee, and sometimes they even offer mail service and live receptionist services. In addition, there are some that offer meeting spaces for those times you may need to have an in person meeting.

You Need an EIN

Next, get an EIN for your business. This is an identifying number that works for your business the same way your SSN works for you personally. By using an EIN for business transactions, you help ensure your SSN is not associated with your business. That makes it more likely your account will report to your personal credit rather than your business credit. You can get an EIN for free from the IRS.

You Have to Incorporate

Incorporating your business as an LLC, S-corp, or corporation is non-negotiable. First, it lends credence to your business as one that is legitimate. Also, it offers some protection from liability.

Which option you choose does not matter as much for fundability as it does for other things. Your budget and need for liability protection play more into that decision. The best thing to do is talk to your attorney or a tax professional. You will lose the time in business that you already have. When you incorporate, you become a new entity. That means, you basically have to start over. You’ll also lose any positive payment history you may have accumulated.

This is why you have to incorporate as soon as possible. Time in business is also important to building business credit and fundability. The longer you have been in business the more fundable you appear to be. That starts on the date of incorporation, not the date you started doing business.

You Must Open a Separate Business Bank Account

You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of business finances. It will also help you keep them separate from personal finances for tax purposes.

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

There’s more to it however. There are several types of funding you cannot get without a business bank account. Many lenders and credit cards want to see one with a minimum average balance. In addition, you cannot get a merchant account without a business account at a bank. That means, you cannot take credit card payments. Studies show consumers tend to spend more when they can pay by credit card.

Licenses

For a business to be legitimate it has to have all of the necessary licenses it needs to run. If it doesn’t, red flags are going to fly up all over the place. Do the research you need to do to ensure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels.

No Matter What the Economy Looks Like, You Will Always Need to Raise Money for Business

As you can see, there are a few ways to raise money for business. The need to do this is not something that comes along just with a recession. With or without the COVID-19 pandemic and resulting economic crash, you would still need funding for your business at some point. If your business is suffering due to the pandemic and needs for social distancing, be sure you take advantage of all that is available. This includes the Paycheck Protection Plan, as well as relief options from the Federal and State governments. Even some businesses and professional organizations are offering help.

The first options mentioned however, including the credit line hybrid, are always available. Be sure you work now to get your fundability and business credit in order. It will serve you well not only in hard economic times, but when the dust settles as well.

The post 5 Ways to Raise Money for Business You May Not Think About appeared first on Credit Suite.

Pupil Loan Wanted Three Types Of Student Loans For You

Trainee Loan Wanted Three Types Of Student Loans For You

Pupil Loan Wanted Three Types Of Student Loans For You
Parents and also pupils that should take care of the high expense of an university education and learning have offered to them a variety of pupil finances. This post supplies information on 3 basic kinds of trainee finances.
Federal Stafford Loans

Unlike various other pupil fundings, application for a particular Stafford Loan must be come before by the declaring of a Free Application for Federal Student Aid (FAFSA). The FAFSA application ought to be made for the striving pupil.
The procedure of requesting a Stafford Loan varies in a 2nd method from the application procedure for various other pupil financings – as well as application for a Stafford Loan does not need a credit rating check.
There is no attire approach for the shipment of cash from a Stafford Loan. Some pupils obtain the cash straight from their college; various other Loan receivers obtain the cash from a financial institution or various other lending institution.
Trademark Student Loans

To get a Signature Loan, a pupil should go to a 4 year or 2 year college on a minimum of a half time basis. That trainee needs to additionally satisfy specific credit rating standards. Like a few other trainee lendings, application for the Signature Loan allows making use of a co-signer.
There is a genuine benefit to using for a Signature Loan with a co-signer. That procedure can bring about a decrease in the rate of interest on the finance. And also, if after college graduation, the trainee after that makes 24 succeeding settlements, the co-signer is eliminated from obligation for covering the finance expenditures.
He or she ought to think about obtaining a Signature Loan if a trainees prepares to go to an area university. Unlike various other trainee car loans, the Signature Loan compensates trainee candidates that have a great credit history score. Those candidates can obtain a reduced rate of interest or a reduced application cost.
Tuition Answer Loans

While the pupil fundings talked about until now have actually all been Federal Loans, the Tuition Answer Loans entail the loaning of exclusive cash. Cash from Tuition Answer Loans generally mosts likely to credit-worthy moms and dads or pupils. The suppliers of Tuition Answer Loans do not really feel that every pupil at a U.S. university is qualified to such a financing.
In order to obtain a Tuition Answer Loan, both the trainee as well as the customer need to have a Social Security number. Both the pupil as well as the consumer should be U.S. people, or be long-term homeowners. Both the trainee as well as the consumer should have great credit score.
Various Other Private Loans

A pupil preparation to seek a certain occupation must research the Career Training Loans. Like the pupil lendings reviewed in the above area, Career Training Loans are credit-based and also exclusive finances.
They permit a pupil to obtain cash for either courses at a profession college, or courses taken online. The institution participated in by the pupil must, nonetheless, have a permit from the state in which it runs.
Trainees that intend to pursue training in cosmetology or massage treatment do not need to abandon the opportunity to obtain a trainee finance. For them Career Training Loans are ideal. Those car loans can additionally aid a trainee that wishes to end up being an MRI professional.
They are the kind of trainee finances that are perfect for any person that wishes to examine at work.

Like some various other pupil financings, application for the Signature Loan allows the usage of a co-signer.
Unlike various other trainee finances, the Signature Loan awards pupil candidates that have a great debt ranking. While the pupil fundings talked about so much have actually all been Federal Loans, the Tuition Answer Loans entail the loaning of exclusive cash. The service providers of Tuition Answer Loans do not really feel that every trainee at a U.S. university is qualified to such a lending.
Trainees that desire to go after training in cosmetology or massage treatment do not have to discard the possibility to obtain a trainee car loan.

The post Pupil Loan Wanted Three Types Of Student Loans For You appeared first on ROI Credit Builders.

Get an Amazing Building Business Credit Card

Get the Best Building Business Credit Card

We checked out every building business credit card we could find and did the research for you. So, here are our preferences.

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

This reveals you can get a lot more money with small business credit. And it also means you can have personal credit cards at retail stores. So, you would now have an extra card at the same stores for your business.

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

Building Business Credit Card Advantages

Perks vary. So, make sure to choose the perk you would prefer from this array of options.

Building Business Credit Cards – Make Your Credit Surge!

Discover it® Student Cash Back

Be sure to check out the Discover it® Student Cash Back card. It has no yearly fee. The credit card also has a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One special feature is that it provides an incentive for students to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit annually for up to five years.

Details

Use this card to build personal credit. While this is a personal credit card versus a business credit card, for new credit users, their FICO scores will matter. And this credit card offers an excellent way to raise FICO while also getting rewards.

You can get 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this credit card offers unlimited 1% cash back on all purchases.

In the initial year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is more. And though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Secure Business Credit Cards for Average Credit: A Great Alternative to a Building Business Credit Card

Capital One® Spark® Classic for Business

For average credit, we like the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards. The card earns an unlimited 1% cash back on all purchases. There is an annual fee of $0.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.

But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.

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

Ironclad Secured Credit Cards: A Consideration When Looking at a Building Business Credit Card

Wells Fargo Business Secured Credit Card

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

Select this card if you wish to get 1.5% per dollar in purchases without any limits or earn one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

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

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

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

Reliable Low APR/Balance Transfers Business Credit Cards: Important Considerations When Choosing a Building Business Credit Card

Discover it® Cash Back

Check out the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based on the Prime Rate.

Details

You can get 5% cash back at different places each quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. In addition, automatically get unlimited 1% cash back on all other purchases.

You will get an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Small Business Credit Cards with 0% APR – Pay Absolutely Nothing! Good Accompaniments to a Building Business Credit Card

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel with the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 within the initial 60 days of starting the account. Cardholders get travel accident insurance, and lost luggage reimbursement.

They also get trip cancellation coverage, trip delay reimbursement and other perks.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

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

JetBlue Plus Card

Check out the JetBlue Plus Card for another offer of a 0% introductory APR

Earn six points/dollar on JetBlue purchases, two points/dollar at restaurants and grocery stores. And get one point/dollar on all other purchases.

Details

Spend $1,000 in the initial 90 days and pay the annual fee and earn 40,000 bonus points. New cardholders get a 12-month, 0% initial APR on balance transfers made in 45 days of account opening.

Thereafter, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based on creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 annual fee for this card.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Uber Visa Card

Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, get 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.

So, this includes retailers and subscription services like Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.

By spending at least $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 yearly are eligible to receive a $50 credit toward online subscription services.

Details

If you pay your cell phone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to specific events and offers. Uber anticipates the majority of these offers to be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.

Also, there are restrictions on Uber credits. To redeem points as credits within the Uber app, accumulate at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll need to fill your gas tank somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This credit card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus offered with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. Afterwards, the APR is a 15.24 – 21.24% variable.

The credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn additional cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Earn 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. In addition, get early check-in and late checkout. And get an auto rental collision damage waiver.

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. There’s an APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Starwood Preferred Guest® Business Credit Card from American Express

Another choice is the Starwood Preferred Guest Business Credit Card from American Express.

This card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And earn four points per dollar at American restaurants, American filling stations, and on American purchases for shipping.

Also, earn four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Get 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 thereafter. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card

Terrific Cards for Cash Back: A Complement to a Building Business Credit Card

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is a 0% APR on purchases. So, this is for the initial 15 months an account is open.

But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, earn 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from American service providers. But this applies to the initial $50,000 of yearly spending. Then, you earn 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you get 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it applies if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Capital One® Quicksilver® Card

Check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 yearly fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is available for those who make at the very least $500 in purchases in 3 months of account opening.

Details

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

This card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Unbeatable Cards for Jackpot Rewards: For When You Graduate from a Building Business Credit Card

Chase Sapphire Preferred® Card

Have a look at the Chase Sapphire Preferred® Card for travel points.

You can get two points to the dollar spent on travel and dining at restaurants. And you can earn one point per dollar on all other purchases. Points can be traded in for cash back, gift cards, or travel.

The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.

When you spend $4,000 in the first 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

You can earn an unlimited two points per dollar for travel and dining at restaurants. And then earn one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So, these include British Airways, Southwest Airlines, United, and Marriott.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.

Get it here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred

Ink Business Preferred ℠ Credit Card

Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa credit card.

Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.

Details

Earn 80,000 bonus points when you spend $5,000 in the initial 3 months from account opening. There is an annual fee of $95. You can add employee cards at no additional cost.

This card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases earn an unlimited flat rate of one point per dollar. And there is no introductory APR

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

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Hilton Honors American Express Ascend Card

Have a look at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Earn up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.

Automatically get Hilton Honors Gold status. And this includes room upgrades when available, a 5th night free when you book a rewards stay of 5 nights or more.

And get free internet access and late checkout. It also includes a 25% bonus on base points earned with Hilton Honors.

This credit card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.

Details

Cardholders can get a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Earn a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.

Benefits include purchase protection. And there is extended warranty coverage. They also include car rental loss and damage insurance and travel accident insurance.

If you spend $40,000 on eligible purchases with the card within a calendar year, you can earn Hilton Honors Diamond status through the end of the next calendar year. This status includes all the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors and exclusive floor lounge access at select properties. But that is awfully high spending required for elite status. Only you can decide if that’s worth it.

Get it here: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-ascend/

The Best Building Business Credit Card for You

Your outright best building business credit card will hinge on your credit history and scores.

Only you can choose which features you want and need. So, be sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make certain to develop credit in the recommended order for the best, fastest benefits.

The post Get an Amazing Building Business Credit Card appeared first on Credit Suite.

New comment by SilverSurfer972 in "Ask HN: Who wants to be hired? (October 2019)"

Location: Berlin / Stockholm / Tokyo

Remote: Yes

Willing to relocate: Yes

Suitable roles : SRE/DevOps, Head of SRE, Cloud architect, CTO/co-founder

Technologies: Kubernetes, Google Cloud (Certified Architect), Linux/Unix, Infrasrtructure as Code, Golang, Python, Bash…

Résumé/CV: https://www.linkedin.com/in/bussy

Email: bussyjd at protonmail.com

Passionate Site Reliability Engineer with 10+ years of experience in IT Service Governance and Management, software architecture and software development. Speaks 5 languages and constantly on the lookout to bring more scalable and highly reliable software systems.

Available for contractor/consultant/part-time missions.

Open for exciting opportunities as co-founder|CTO|VP Engineering|Head of Infrastructure at early-stage startups.

The post New comment by SilverSurfer972 in "Ask HN: Who wants to be hired? (October 2019)" appeared first on Get Funding For Your Business And Ventures.

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Leading Five Reasons to Establish Business Credit!

Way too many entrepreneur are utilizing their individual credit history to fund the launch, development or development of their service A bulk of entrepreneur have no suggestion what organisation is or exactly how to develop it. By adhering to a couple of easy actions any kind of local business owner can developing organisation credit scores, for that reason, dividing their individual credit report from their organisation credit scores.

When local business owner make use of individual bank card to spend for overhead, the financial obligation of business reports back to their individual credit score records which reduces their ratings since their service financial debts harm their individual financial obligation to earnings proportion.

To aid avoid local business owner from harming their individual credit report, every entrepreneur ought to adhere to the easy actions of developing company credit rating. By developing company credit rating the financial debt of business will certainly report to business debt data as well as not the individual credit rating documents. Developing company credit history will certainly likewise aid business construct a solid company credit rating documents so fundings, credit lines wont call for business proprietor to authorize an individual warranty.

Below are simply a couple of reasons every entrepreneur must develop company debt.

You angle anticipate to stroll right into a financial institution as well as ask for an organisation financing with no service credit history or service background. By developing an excellent service credit score account you will certainly be able to safeguard the funding your service requirements.

2. You would certainly still be lawfully accountable if you utilized your individual credit score to fund your company if your company ought to fall short.

Thats right, service credit scores prices are generally reduced than individual credit rating prices. A couple of portion factors in rate of interest mean thousands of bucks in the lengthy run

Drift your service via hard times. By developing service credit rating you will certainly be prepared for the down time.

Allows face it, without the loan you require to fund the launch or growth of your service you actually wont be in company at all. Do not make the blunder of utilizing your individual financial resources to fund you organisation.

The are numerous, a lot more reasons you ought to develop service credit report. We have all listened to the claiming, “maintain organisation expenditures different from individual expenditures,”? The only method to do that is to establish your service appropriately to begin with by developing service debt.

If you want discovering …

-What civil liberties does an entrepreneur have if there is inaccurate details on a credit score record?
-How do I get an organisation credit report?
-What work lending institutions take a look at in order to expand organisation credit scores?
-Where do you locate firms that approve credit report?
-Which business report to business credit rating bureaus?
-What bank card business do not need individual assurances?

I recommend you begin the education and learning procedure of learing exactly how to develop service credit report!

By complying with a couple of straightforward actions any type of company proprietor can developing company credit scores, as a result, dividing their individual credit score from their service credit history.

To assist protect against service proprietors from harming their individual credit score, every service proprietor must adhere to the straightforward actions of developing company credit report. By developing company credit rating the financial obligation of the company will certainly report to the company credit score data as well as not the individual credit scores documents. Developing service credit rating will certainly additionally aid the organisation develop a solid service credit rating documents so fundings, lines of credit scores wont call for the company proprietor to authorize an individual warranty.

You angle anticipate to stroll right into a financial institution as well as ask for an organisation car loan with no company credit report or organisation background.

The post Leading Five Reasons to Establish Business Credit! appeared first on ROI Credit Builders.