Algolia (YC W14) is hiring to scale its search engine

Article URL: https://www.algolia.com/careers/senior-software-engineer-distributed-systems-search-core-london-paris-remote-dublin-bucharest

Comments URL: https://news.ycombinator.com/item?id=27758202

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New comment by pknerd in "Ask HN: Freelancer? Seeking freelancer? (June 2021)"

SEEKING WORK

Location: PK

Remote: Yes

Willing to Relocate: No

Technologies: Python(Scraping,Automation, ETL, Blockchain Integration), PHP Laravel, Code/Db Optimization, Go and Solidity Smart Contracts.

Blog:- http://blog.adnansiddiqi.me/

Resume: http://adnansiddiqi.me/Resume2020.pdf

I have interest in working domains like Finance, Healthcare and Bioinformatics. I wrote a bit about each in my blog as well. Or just anything which is interesting and challenging.

Contact: kadnan @ gmail.com

Screenleap (YC W12) is hiring engineers to build next-gen collaboration platform

Screenleap (YC W12) is hiring engineers to build next-gen collaboration platform Screenleap (http://screenleap.com/) is a screen share-first collaboration platform. We allow you to share your screen (installation-free sharing soon on all the major desktop browsers) and view from any web-enabled device without installing any software. We also allow developers to add screen sharing to their …

New comment by kgritesh in "Ask HN: Who wants to be hired? (April 2020)"

Location: India Remote: Yes Willing to Relocate: No Technologies: Python, Golang, JS, React, Node, Android, Kotlin, Typescript, Ansible, Terraform, Docker Resume/CV: https://vertexcover.dev/static/resume-030f4767ed5ea7a3cb5829… Personal Site: https://vertexcover.dev/ Email: ritesh@vertexcover.io Github: https://github.com/kgritesh Hello I am Ritesh, a full stack engineer with 10+ years of experience as well as 7+ years of experience leading remote engineering teams. I have …

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All Aboard the Train to Small Business Loans for Minority Women

Are you a minority female looking for small business loans?  Then hop aboard the small business loans for minority women express.  Each stop along the route has something to offer. Pull into the station, stay awhile, and learn about what each option has to offer. 

Small Business Loans for Minority Women Come in All Shapes and Sizes, Find the One that Will Work Best for You

Once inside the station, you may find that small business loans for minority women aren’t what you expect.  In addition, you will find there are grants and other resources available to help female minority business owners.  There are many other options for funding as well, including loans that are available to everyone. The only way to determine which option or combination of options will work best for you is to learn all you can about each one. 

Find out why so many companies use our proven methods to get business loans

First Stop: The Small Business Administration 

The first stop on the small business loans for minority women express is the Small Business Administration. SBA loans are guaranteed by the government and issued by participating lenders, mostly banks. They can guarantee up to 85% of loans of $150,000 or less, and loans that are more than $150,000 they will guarantee up to 75%. The maximum loan amount they offer is $5 million.Small Biz Loans for Women in Minorities Credit Suite

Due to the government guarantee, banks are able to offer these loans at lower interest rates and with less strict eligibility requirements. Since many minorities face challenges getting funding due to lower credit scores and net worth, these loans tend to work for them.  This is despite the fact that they are open to everyone and not specifically small business loans for minority women. Here’s a sample of what they offer. 

7(a) Loans 

This is the Small Business Administration’s cornerstone loan program. It offers federally funded term loans up to $5 million. The funds can be used for expansion, purchasing equipment, working capital and more. These funds are distributed through traditional lenders. 

The minimum credit score to qualify is 680.  In addition, there is a down payment requirement of at least 10% for the purchase of a business, commercial real estate, or equipment. The minimum time in business is 2 years. In the case of startups, business experience equivalent to two years will suffice. 

504 Loans 

These loans are also available up to $5 million and can buy machinery, facilities, or land. They are generally used for expansion.  Like 7 (a) loans, private sector lenders or nonprofits process and disburse these funds. They work well for commercial real estate purchases especially. 

Terms for 504 Loans range from 10 to 20 years.  Unfortunately, funding can take up to 90 days. They require a minimum credit score of 680, and they use the asset being financed as collateral. There is also a down payment requirement of 10%.  This can increase to 15% for a new business. 

In addition, there is a 2-years in business requirement.  For a startup, equivalent experience for management will meet this.

Microloans 

Microloans are available in amounts up to $50,000. They work for starting a business, purchasing equipment, buying inventory, or for working capital. Community based nonprofits handle SBA microloan programs as intermediaries. 

Interest rates on these loans are 7.75% to 8% above the lender’s cost to fund. Terms go up to 6 years. Similar to other programs, they can take up to 90 days to fund. The minimum credit score is 640, and the collateral and down payment requirements vary by lender. 

SBA Express Loans 

These loans max out at $350,000.   They have a maximum interest rate of 11.50%. In addition, terms range from 5 to 25 years, and the SBA guarantee is less than it is with their other loan programs at 50%. To qualify, your credit score must be above 680.  Another requirement is that you must have a debt to service ratio of 1.1 or higher. If the loan is greater than $25,000, collateral may be necessary.  It depends on the lender. 

The turnaround for express loans is much faster.  The SBA takes up to 36 hours to give a decision. Also, there is not as much application paperwork.  As a result, express loans are a great option for working capital, among other things, if you qualify. 

Find out why so many companies use our proven methods to get business loans

Other SBA Resources

While you are at this stop on the route, take a minute to check out the other resources the SBA offers. They exist for all small business owners.  However, their Office of Women’s Business Ownership exists to help female local business owners specifically. This includes females that are considered minorities.  Their goal is to enable and empower business owners that are women via advocacy, outreach, and education as well as assistance.

Second Stop:  Private Lenders

The next stop when looking for small business loans for minority women is the private lending station.  Loans from private lenders, much like SBA loans, are not exclusively for minorities or women.  However, They do tend to work well with the unique challenges each group faces. 

Lending Club

LendingClub functions as a peer-to-peer lender that offers mostly fixed-term small business loans. Borrowers that get loans from LendingClub generally use loans funds to buy equipment, finance growth or expansion projects, consolidate other debt, or hire new employees.

The minimum loan amount at LendingClub is $5,000 and the maximum is $300,000.  You must have been in business for 12 months or more and have at least $50,000 in annual sales to qualify.  There can be no tax liens or bankruptcies, and you must have at least 20% ownership.  They will work with a credit score that is fair or higher.  A fair credit score ranges from 620 to 659. 

Lendio

Lendio offers a loan-connection service that dramatically cuts the time it takes for small business owners to find the perfect loan.  They do the legwork by vetting a network of competing small business lenders. Funding is fast, sometimes in as little as 24 hours.  

Potential borrowers submit one application and then see offers from lenders in the network.  The minimum loan amount is $500 while the maximum is $5,000,000.  The business must be U.S. or Canada based and must have a business bank account.  The minimum personal credit score for approval is 560.  

Blue Vine

BlueVine offers two options for small business financing.  They include lines of credit and invoice factoring.  They also offer the ability to talk with a financing advisor. Their application process takes place exclusively online.  The minimum loan amount is $5,000 and the maximum is $100,000.  To be eligible you must be in business for at least 6 months, have revenue of $120,000 per year or more, and have a credit score of at least 600.  

Kiva

Kiva has a different lending model. They offer loans to businesses, but their platform is far different from that of traditional or even other non-traditional lenders.  It is a kind of  cross between crowdfunding and lending.  They offer loans with a 0% interest rate, so even though you have to pay it back, it is actually free money. In addition, they do not run a credit check at all. The only requirement is that you have to get at least 5 family members or friends to donate money for your business, and you yourself have to give at least a $25 loan to another business on the platform. 

Grameen

Microloans are a great option when it comes to business loans for women with bad credit.  Grameen is one of the few lenders that offers microloans specifically for women.  The loan amounts range from $2,000 to $15,000, and they also offer financial training and support.  

As a bonus, they report payments to Equifax and Experian.  Consequently, these loans help borrowers build credit.

Bonus Stop: The Grant Spur

Though highly competitive and rarely enough to fund a business on their own, grants are a great way to supplement other business funding. It can be wise to keep your eyes open for loan opportunities even while seeking small business loans for minority women. Here are a few you can start with.

Amber Grant 

The Amber Grant awards $500 to $1,000 per month to a woman-owned business. One of the recipients also receives an additional $10,000 grant at the end of the year. Applicants only need to tell their story and turn it in with a $15 application fee.

#GIRLBOSS Foundation Grant 

Specifically for woman-owned businesses in fashion, music, and art, the #GIRLBOSS small business grant awards $15,000.  They also offer exposure via the Girlboss website and social media platforms. Judges rate those applying on creativity, business savvy, planning, innovation in the field, need, and where they plan to work. 

Cartier Women’s Initiative Award 

The Cartier Women’s Initiative Award is $100,000 for first place and $30,000 for second place.  They award the grant to 18 female business owners from around the world each year.  Women business owners who are just getting started may qualify.  Look over the complete application for more information.

First Nations Development Institute Grants

The mission of this group is to offer grants that help Alaska Natives, Native Hawaiians, and Native Americans.  They offer assistance in the application process in addition to funds.

National Black MBA Association Scale-Up Pitch Challenge

Also known as NBMBAA, the Scale-Up Pitch Challenge has cash prizes ranging from $1,000 to $50,000.  The association says its purpose is to help newer businesses that have an African founder that maintains equal ownership.  

There are also grant options that can work well even though they are not exclusively for minorities, or women. Some examples include the following.

FedEx Small Business Grant

There are 10 grants the company awards each year.  They range from $15,000 to $50,000.  If you’re a minority owned business with a cutting-edge product, this could be the grant for you.

A business must use the FedEx website to submit entries. There are a few questions to answer about your business.  In addition, there is a requirement for an elevator pitch about what makes your business special.  Also, you have to explain how you would use the grant funds. A 90 second video submission is optional.

Find out why so many companies use our proven methods to get business loans

NASE Growth Grants

The National Association for the Self-Employed (NASE) has small business Growth Grants of up to $4,000. They are for micro-businesses, and proceeds can be used for a number of things.  They can be used for marketing, advertising, expansion, and even to hire employees. These grants are open to everyone.  However, you do have to be an NASE member to apply.  Membership fees vary based on the membership level chosen. 

Don’t Stop There: Other Resources for Women

Here are some other organizations that work to help women of all races.  The support they offer can help you land small business loans for minority women, or any loan for that matter, and run your business well.   

National Female’s Service Council

The NWBC is a federal advising council. It works as a resource of guidance to the government on women’s organization problems. The objective is to encourage campaigns, programs, and policies to sustain females from startup to growth.

Other Station Resources

Along with those resources listed above, explore these firms that also provide support to women owned businesses. 

The AWBC runs a network of business centers geared toward women.  These centers labor to help women succeed by offering training, business development, financing, and mentoring opportunities. 

This organization, also known as NAFE, sponsors events, provides training, and offers other resources to help female business owners achieve success.

The NAWBO works across the country to offer training, events, and other resources to women owned businesses nationwide. 

With more than 300 chapters and 10,000 volunteers, this is the country’s largest network of expert business mentors that volunteer their time.  They match female business owners with mentors, or they can participate in a workshop to help them learn what they need to know to be successful. 

You Are the Conductor: Take Your Business to the Next Level 

In the end, the key to getting small business loans for minority women is to take the controls and go full steam ahead.  You conduct your ride on the rails of business ownership. You can start by opening the doors to all the funding options that could be available to you.  To do this, you have to build fundability.  When your business is fundable, you have access to funding from virtually every source possible.

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Songs Studios Policies vs. Indiscipline Students

Songs Studios Policies vs. Indiscipline Students

The plan state that if trainees really did not pay tuition cost at initial lesson of the month, they should pay late charge. An additional plan, if trainees miss out on lesson without any kind of alert, lesson can not be made up.
It’s not constantly function well. The copying reveal workshop plans really did not help particular family members. They made a decision to give up or really did not mind to be punished than adhered to the plans.
– Parents made a decision to stop than pay late charge although they have actually authorized the contract of workshop plan.
– Parents really did not mind to pay late cost so every month, their youngsters still late in tuition settlement.
Since they would certainly go purchasing and also really did not mind lessons could not be made up, – Parents asked their youngster to miss out on lessons without alerting educator.
Since taken a trip with pals as well as really did not mind lessons could not be made up, – Student missed out on lessons without alerting instructor.
As educators, we have just 2 options to conquer this issue, disregard the indiscipline pupils or proceed to educate them. If we have numerous excellent pupils with great moms and dads, there will certainly no issue to reject some negative.
As students/parents, we must like our songs educators as we did to our finest friends/families. The service is just love and also make sure our educators after that we will certainly value and also appreciate them immediately. Simply do it from our heart!

The plan state that if pupils really did not pay tuition cost at initial lesson of the month, they have to pay late charge. One more plan, if pupils miss out on lesson without any kind of alert, lesson can not be made up. Pupils will normally alert educators if they can not take lesson.
As instructors, we have just 2 options to conquer this issue, reject the indiscipline pupils or proceed to educate them.

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Industrial property

Business realty Industrial realty: The large revenues The talks of actual estate are usually concentrated in the direction of household actual estate; industrial actual estate appears to take a back seat. Industrial actual estate as well is an excellent choice for spending in genuine estate. Business genuine estate consists of a great deal of various …