Author: Ashley Rudolph

New comment by heliasvieira in "Ask HN: Freelancer? Seeking freelancer? (December 2020)"

SEEKING WORK | GMT-3 (Brazil) | Remote

I’m part of a team of +50 developers with a 10-year background working together on high-visibility projects for Fortune 500s, Inc 5000s, internationally renowned names such as the UN & the IOC, and high-growth startups coast-to-coast.

We are now focusing on helping several early-stage startups to build their digital platforms/products using tech like React, React Native, Node.js, Laravel, AWS, ElasticSearch, and more.

If you’re a founder/CTO that’s got a great product, is a cool person, and could use some help hitting product milestones faster or launching your product on time and within budget, we can probably help.

All of our team members are internal employees (no freelancers) with proven experience working with major organizations worldwide.

Rates are $39/hr, being in Brazil and sharing our profits with our devs, we can afford to be very competitive on pricing, especially considering our expertise & portfolio.

Reach out @ hi@nextly.team to see some of our previous work or to chat.

The post New comment by heliasvieira in "Ask HN: Freelancer? Seeking freelancer? (December 2020)" appeared first on ROI Credit Builders.

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

Location: Seattle, WA, USA Remote: Yes (preferred), have over 10 years’ experience working remotely. Willing to relocate: Yes Technologies: full stack Résumé/CV: https://www.aquoco.co/Erica_Ingram_Resume.pdf Email: evoingram at aquoco.onmicrosoft.com LinkedIn: https://www.linkedin.com/in/aquocotrans Notes: My name’s Erica. I have a non-traditional background, so please see my GitHub profile at https://www.github.com/evoingram for more about me, then my portfolio at http://www.ericaingram.com.

The post New comment by evoingram in “Ask HN: Who wants to be hired? (August 2020)” first appeared on Online Web Store Site.

Why Owners Opt for Small Business Credit Cards

Why Owners Opt for Small Business Credit Cards The small company bank card market is a quickly expanding market in the monetary solutions market. If you are preparing to get small company bank card, see just how your factors compare to those of various other company charge card owners: · Business charge card give reputation … Continue reading Why Owners Opt for Small Business Credit Cards

Ubersuggest is Now More Free

Please read the whole post as I have a few surprises for everyone and it affects all member types.

A month or so ago, I blogged about the future of Ubersuggest and how there will still be free plans along with paid ones.

But as you probably noticed, the free plan wasn’t as generous as you were hoping for.

And with Coronavirus growing at a rapid pace and affecting so many people and businesses, I thought I would do my part and help small businesses out.

Because if I help you grow a bit more without spending money, hopefully, you won’t have to lay off any people and, ideally, you will even be able to hire a few more people.

So today, I have made Ubersuggest “more free” and over the next week, it will become even more free.

What does that mean? Let me break it down for you…

You’ll have full access to historical data

First off, anytime you want to view graphs on historical data, you no longer have to pay.

For example, if you want to see how popular a keyword was over the last 12 months, all you have to do is type it in and you’ll see the data.

If you aren’t logged in, you only see 3 months’ worth of data (this is to help stop scrapers and reduce server expenses), but once you log in, which again is free, you’ll see historical data.

The same goes for traffic estimates. Anytime you look up a competitor, you’ll be able to see their search traffic over the last 12 months as well as how many keywords each site is ranking for during that time period.

As for backlinks, there is a historical link graph and a new
and lost link graph.

Currently, it is blocked off for only paid members, but in the next 7 days I WILL BE OPENING IT UP FOR FREE.

Sorry for the delay, but it takes my developers a bit of time to make this change.

So, within the next week, this will also be available for
free.

You also have access to more keywords

Have you performed keyword research recently?

If you haven’t tried, look up a domain and go to the “keywords” navigation item…

Once you land on that report, you will see a really long
list of keywords. 🙂

If you aren’t logged in, you’ll be asked to do so, and this is also free. The reason being is this helps stops scrapers and reduces server costs.

The same goes for the keyword ideas report. This report
gives you more keyword suggestions once you enter in a keyword.

In the navigation menu bar, click on “keyword ideas.”

Enter in a keyword and you’ll be given a list of other
related terms.

Again, you may be asked to log in, which is free, but that is to reduce scrapers on our end to save on server costs.

More content ideas and top pages

Over the next 7 days, we are also going to make the content
ideas report and the top pages a bit more generous.

We will probably provide four times more results for free on these two reports.

So when you are looking for ideas for your next blog post, you’ll see more recommendations.

Or if you are looking up a competitor to see which pages drive them the most traffic, you’ll want to go to the “top pages” report. In the navigation, click on “top pages.”

At the moment, you can see some for free, but again in the next week, you will be able to see roughly four times more without having to pay for it.

The changes with the content ideas report and the top pages may be rolled out sooner but by next Tuesday at the latest, they will be ready.

There’s also more good news

My goal with Ubersuggest isn’t to make money. It is honestly
to break even as my costs are so high. It’s well over $200,000 a month. 🙁

These changes will probably make it take 12 months for me to break even instead of 6 months… but hey, that’s life. It’s the least I can do with all of the businesses out there struggling due to the Coronavirus and all of the people getting sick.

As paid members, you will still get access to more data, be able to create more projects, and crawl more pages to find SEO errors.

But I am going to sweeten the deal for you over the next 30
days as I am adding some stuff that is going to really help you grow your
traffic.

Here’s what I am thinking:

  1. Bi-weekly training – every month, my team and I will be holding 2 group calls to help you grow your traffic. The first call will go over an SEO tactic that you need to implement and I will break down how you can do so. The second monthly call will be a QA where anyone can ask me and my team questions and we will answer them. And if you are wondering if I am going to be on the calls, I will. With my busy schedule, I probably will miss some, but I will be on many of the calls training you myself.
  2. Weekly action plan – I’m currently working on an SEO action plan. As a paid member, I will be giving you 12 things to implement (one each week for 12 weeks) to grow your SEO traffic. If you implement them, you’ll get more traffic. I know many of you are busy business owners, so I am trying to make things easy and help you get the most traffic with the least amount of work.
  3. On-demand help and support – we are adding live chat to Ubersuggest and the NeilPatel.com site. That way you can talk with my team of SEO experts, ask any questions related to your site or marketing, and we will help you. That way you can get customized one-on-one advice. This is what you’ll really need to grow.
  4. Ultimate SEO course – I’m working on an SEO course that teaches you everything about SEO. It’s looking like it will be over 20 hours of video training material as well as worksheets, cheat sheets, and templates for you to use to make it easier for you to get results.
  5. Private Facebook group – we have a pretty decent size community, so why not leverage it to help each other grow? We will be creating a private Facebook group or Slack group (not sure which one), were we all help each other grow our traffic.

You’ll start seeing this stuff rolled out within 30 days as well as the Chrome extension which is in the final round of testing.

I also have some cool new features that we are close to
adding that I know you will be excited for. 😉

Conclusion

Over the next 30 days, if you are a paid member, you’ll be
getting even more.

And if you are strapped for cash, no worries. I am making the free plan even more generous, as you can see above. Just give Ubersuggest a try and you’ll see it is already “more free.”

My goal has never been to make money with this tool. It’s to help small and medium business owners succeed.

I know times are tough right now but try to stay safe by staying indoors more often and practicing social distancing.

So, what do you think about the new Ubersuggest Free plan?

The post Ubersuggest is Now More Free appeared first on Neil Patel.

How to Get a Loan for a Business: A Step By Step Plan of Action

When a business already exists, loans are often needed to help it grow. How to get a loan for a business growth is a little different than when you first get a loan to start your business.  In some ways, it is easier. In others, it is more complicated. For example, you already have your business plan and market research. You do not have to do all the original projections, and you do not have to convince a lender you have a winning idea. There are other steps in how to get a loan for a business however.

If you need to know how to get a loan for a business that already exists, you will have to convince a lender that it has potential for growth. In addition, they will want to see proof of financial success, and you will need to provide them with a plan for how you plan to use the money to aid growth and expansion.

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

A Step by Step Plan for How to Get a Loan for a Business 

It can sound overwhelming, but if you follow the steps, most of the hard work will be done before you ever talk to a lender.  The key is to know which type of lender and what type of loan will work best for your needs. Once you know those two things, you can prepare specifically for that.  Then, when the lender starts asking questions you will be ready. This will make the process of how to get a loan for a business much faster, and likely it will go much more smoothly. 

How to Get a Loan for a Business: Step One: Choose the Type of Loan You Need

First, consider the type of loan you need in light of what you actually qualify for. how to get a loan for a business Credit Suite2

Traditional Loans

These are the standard loans that disperse a set amount of funds, with the borrower repaying over a certain period of time.  The payment is the same each month, and they can be either secured or unsecured. Unsecured small business loan options usually have higher interest rates. 

Line of Credit 

This is revolving debt similar to credit cards.  Borrowers are given a maximum limit of the amount of funds they can use, but only pay back the amount that they actually use.  For example, a borrower may have a $10,000 line of credit and use $5,000 to buy a new commercial oven. They will only pay back to $5,000, until the time comes that they choose to use more. Lines of credit can also be secured or unsecured. 

Invoice Factoring

Factoring invoices is an option if you have receivables.   The lender basically buys unpaid invoices from you at a premium, meaning you do not get full value.  You then have immediate cash however, for those open invoices. The lender collects from the consumer directly at full value.  The older the invoice, the higher the premium. This is due to the fact that the likelihood of collecting on the invoice goes down the older the invoice gets. These are an option for fast cash.

Merchant Cash Advance

If you accept credit card payments, a merchant cash advance can help you out in a cash pinch.  It is basically just what is says. It’s a cash advance on predicted credit card sales. They base the amount of the loan off of average daily credit card sales, and then take payment from future credit card sales. This usually happens electronically. Most often, the process is automatic.  The draw is that you get the funds fast, and there are usually more flexible options for repayment terms depending on your eligibility. This is another great option if you need cash quickly.

Which one of these will work best for your needs?  Well, if you are looking to grow, then you likely have a plan for what that will take.  In general, a traditional type of loan or a line of credit works best for growth. 

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

How to Get a Loan for a Business: Step Two: Choose the Type of Lender

 A lot of business owners think that a bank is their only option.  There are a few different types of lenders to consider in how to get a loan for a business already running however. 

Large Commercial Banks

These include those nation-wide institutions like J.P. Morgan Chase and Wells Fargo.  As a general rule, they are small business friendly. There is nothing specific that they hold against smaller businesses.  It is simply that these businesses do not generally meet the requirements for borrowing from large banks.  

Community Banks

Community banks are the smaller, local financial institutions.  Sometimes they are called hometown banks. They are typically more friendly toward small businesses.  Often, they are able to look a little deeper and see a tad bit more than the numbers. Their small business loan options may have less strict eligibility requirements as well.  Still, the numbers make a difference. Whether credit score, annual income, years in business, or some combination, you will have to have meet eligibility.

Credit Unions

The main thing to remember with a credit union is that you must be a member to get a loan from them.  They usually offer more favorable interest rates however. If you are a member of one, be sure to ask about what they offer as far as business loans.

Private Lenders

These are alternative lenders that usually function online, though some do have brick and mortar locations as well.  The benefit with private lenders is that they offer small business loan options to those that may not qualify with traditional lenders.  Their credit score requirements are lower. They may or may not require a certain amount of time in business or minimum revenue amounts. However, their small business loan options typically have higher interest rates. 

If you think this may be the route you need to take, here are a few options to consider. 

Upstart

Upstart is a fairly new online lender.  They question whether financial data and credit score alone can really determine the risk associated with a specific borrower.  Instead, they use a combination of AI and machine learning to gather alternative information. They then use this information to aid in credit decision making.

This alternative information may include such things as mobile phone bills, rent, deposits, withdrawals, and even other information less directly tied to finances.  Software from the company actually learns and improves on its own. 

They offer various types of financing products to fit a broad range of needs. This includes debt consolidation and personal loans, as well as business loans.

You can get a quote on a loan to start or expand a business.  Quotes are available online in a matter of minutes.  Learn more here in our comprehensive review. 

StreetShares 

StreetShares began as a service to veterans.  Now, they offer term loans, lines of credit, and contract financing. In addition, they now offer small business loan investment options. The maximum loan amount is $250,000.   

To be eligible, you must be in business for at least 12 months with annual revenue of $25,000. Exceptions are possible, with loans to companies in business for at least 6 months having higher earnings happening on a case by case basis. The borrower’s credit score must be at least 620. For more on StreetShares, see our in-depth review. 

Kabbage 

Kabbage is a well know online lender. They offer a small business line of credit that can help businesses accomplish goals quickly. The minimum loan amount is $500 and the maximum is $250,000. They require you to be in business for at least one year and have $50,000 or more in annual revenue, or $4,200 or more in monthly revenue, over the previous 3 months. 

They have a non-traditional approach that puts less weight on your credit score, so they may work better for some borrowers than other lenders.

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

Fundation 

Fundation provides both term business loans online and lines of credit. It is most known for its working capital funding options. These are funds meant to help cover the day-to-day costs of running a business rather than larger projects. Typically, these funds come in the form of a line-of-credit.

The minimum loan amount they offer is $20,000 while the maximum is $500,000. They require you to be in business for at least 12 months and have annual revenue of at least $100,000. To be eligible, your personal credit score can’t be less than 600. Additionally, you must have at least 3 full time employees. However, that can include you. Business owners cannot live or operate their business in North Dakota, South Dakota, or Nevada. 

SmartBiz

If you want the convenience of online lending but need to look toward products offered by the SBA, then SmartBiz is what you are looking for. 

With the help of the Small Business Administration, SmartBiz offers loans that are government backed. While SBA loans usually take a lot of time and paperwork, SmartBiz streamlines and speeds up the process.  This makes getting loans through the Small Business Administration easier than ever. The minimum loan amount is $30,000 and the maximum is $5,000,000.  

How to Get a Loan for a Business: A Word About SBA Loans

Speaking of SBA loans, you cannot talk about how to get a loan for a business without some discussion on the SBA.  While they do not lend funds themselves, they do administer a number of loan programs that help small businesses get the funds they need through partner lenders.   

7(a) Loans 

This is the Small Business Administration’s most known program.  It provides federally funded term loans up to $5 million. The funds can be used for a number of purposes.  These include expansion, purchasing equipment, working capital and more. Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds. 

504 Loans 

504 loans are also available up to $5 million and can buy machinery, facilities, or land. Typically, they are used for expansion.  They work especially well for commercial real estate purchases. 

Microloans 

These are $50,000 or less. They work well for starting a business, purchasing equipment, buying inventory, or general working capital. 

SBA disaster loans 

This is a program for businesses that are victims of natural disasters.  These loans are different because, unlike the others, the SBA actually processes them directly rather than using partner lenders.   

SBA Express Loans 

These are fast turnaround loans, with the SBA taking up to only 36 hours to give a decision. There is less paper work as well, which is part of what makes express loans great if you qualify. 

SBA CAPlines 

There are 4 different CAPline programs.  They differ mostly in how the funds can be used. The maximum on each is $5 million.  It can take 45 to 90 days for the funding on the CAPlines to come through.  

SBA Community Advantage Loans 

This is a pilot program.  It will either expire, or the SBA will extend it in 2020. Its purpose is to promote economic growth in underserved areas and markets. Decision makers look past such things as poor credit or low revenue if the business has the potential to create jobs or promote economic growth in underserved areas. 

These are some of their most popular programs. The Small Business Administration does so much more for small businesses in addition to these.  Get more details on the SBA, these loan programs, partner lenders, and additional resources offered by the Small Business Administration here.    

How to Get a Loan for a Business: Step Three: Build an Application Packet

This step mostly applies for traditional lenders, traditional loans, and SBA Loans.  Most private lenders just have you fill out an application online. The idea is to anticipate what lenders will need to see and have all the information already pulled together for them.  For example, most all of them will want to see financial statements or tax returns for the past 3 years or so. They will also want to see a plan for how you will use the funds, and what results you anticipate. 

If you are thinking about how to get a loan for a business to grow, you are going to need to show them how you will use the funds to help it do that.  They will also likely want to see that you have market research that supports the idea that the market will support growth. You may be able to simply update the business plan you used when you applied for startup financing. 

How to Get a Loan for a Business: Do Your Research and Be Prepared

These really are the two best bits of advice when it comes to how to get a loan for a business.  Consider what your options are, based on your specific needs and situation. Then, research what lenders will need to approve you for whatever type of loan you need, and prepare with that in mind before you ever walk in.  

The post How to Get a Loan for a Business: A Step By Step Plan of Action appeared first on Credit Suite.

Assume Before You Buy A Consumer Debt Consolidation Program

Believe Before You Buy A Consumer Debt Consolidation Program

Globe has actually come to be quick relocating today. With the increase in the economic situation as well as accessibility to sources worldwide, it is not unusual to see lots of people enter financial obligation and afterwards take into consideration registering in a customer financial obligation combination program. There can be numerous costs that can go back to haunt your joy.

Expenses such as education and learning expenses, own a home expenses, various other expenses and also clinical costs quickly accumulate and also end up being the factor behind your cash money water drainage. There is constantly a slim line of distinction in between maintaining your head over water as well as sinking in the red. Financial obligation debt consolidation procedure is quick acquiring footing in the economic market these days.

You can discover different customer financial obligation combination programs readily available that can aid you address your financial debt issues. You can warrant your demand to go in for a financial debt loan consolidation program depending on exactly how much deep in credit history you locate on your own in. You require to keep in mind that by the financial debt loan consolidation procedure, you do not remove any kind of exceptional financial debt.

Financial obligation loan consolidation can resolve numerous kinds of financial obligations such as credit history card financial debts, clinical financings and also individual lendings. As a customer, you should keep in mind that the period of a customer financial obligation loan consolidation program is generally longer than the various other car loans. While looking for a customer financial obligation combination program on the Internet, you need to be extremely clear in what you are looking for in the program.

Financial obligation combination may offer you an impression of points being in control. You ought to wind up your financial debt loan consolidation finance within the slated time duration to conserve on your own some rate of interest.

With the broaden in the economic climate as well as accessibility to sources around the world, it is not odd to see several individuals obtain right into financial debt and also after that think about enlisting in a customer financial debt combination program. You can discover different customer financial debt combination programs offered that can aid you fix your financial obligation issues. You require to keep in mind that by the financial obligation loan consolidation procedure, you do not get rid of any type of exceptional financial obligation.

Financial obligation debt consolidation can attend to different kinds of financial obligations such as credit scores card financial obligations, clinical lendings as well as individual car loans. While looking for a customer financial debt combination program on the Internet, you ought to be really clear in what you are looking for in the program.

The post Assume Before You Buy A Consumer Debt Consolidation Program appeared first on ROI Credit Builders.