Article URL: https://www.workatastartup.com/jobs/42334
Comments URL: https://news.ycombinator.com/item?id=26337220
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The post Etleap (YC W13) Is Hiring a Customer Success Manager appeared first on ROI Credit Builders.
Article URL: https://www.workatastartup.com/jobs/42334
Comments URL: https://news.ycombinator.com/item?id=26337220
Points: 1
# Comments: 0
The post Etleap (YC W13) Is Hiring a Customer Success Manager appeared first on ROI Credit Builders.
Location: Makati, Philippines
Remote: Yes, experienced remote worker.
Willing to relocate: No
Technologies: Javascript, Java, Python
Résumé/CV: https://bit.ly/33VAOT2
Portfolio: http://www.kenranosa.com/
Email: ken.ranosa@gmail.com
Hi Everyone! I am looking for a 100% Remote Global Test or Software Engineering Job. Timezone wont be a problem as I can easily adjust, and I can start immediately. If you have open positions. Dont hesitate to email me. Cheers!
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Introduction You won’t believe this, but, according to Impact Bound, up to 55.24% of all websites on the internet didn’t have a single backlink as of December 2019. That’s over 750 million sites, given that there are about 1.5 billion active websites at the moment. Hopefully, you’re not part of the 55.24%, because you’d be …
The post 8 Steps to Gain Authority Backlinks; A Detailed Guide first appeared on Online Web Store Site.
The Very Best Home Owner Insurance Quote You might really feel that the very best property owner insurance policy quote is mosting likely to be the most inexpensive resident insurance policy quote, however that’s not constantly, if ever before, the situation. The most effective property owner insurance policy quote is mosting likely to be the … Continue reading The Most Effective Home Owner Insurance Quote
The world is changing around us, and businesses are more on edge than ever before. Making matters worse is the fact that things are changing by the minute. States are issuing new mandates constantly based on the most recent recommendations. Stores are having trouble keeping necessities in stock because items fly off the shelves as soon as they are put there. Understandably, customers and prospects are getting nervous.
As a result, steps are being taken to try and stop, or at least slow, ever sharpening decline of the economy. If you are wondering how to get capital to keep your business running or start a new business, there’s never been a better time. Interest rates area at an all time low. Currently, banks are still lending. That means loans are available at dirt cheap rates, but not for long. Act now to get the best rates on SBA business loans.
Get the funding you need to keep your business running.
Here’s the thing. The federal government recently poured $50 billion into SBA loan programs for coronavirus relief. They are also waiving upfront fees on loans to veterans up to $1 million when it comes to the SBA Express program.
As for the SBA Disaster relief fund, the SBA can now exercise available authority. They will use funds to provide loans to businesses that are affected by coronavirus. Funds can be used to help overcome disruptions caused by pandemic.
Additionally, the President is asking Congress to increase funding for this program, with an intent to make 30 million small businesses more resilient to the economic impact of the coronavirus. These funds could be used to pay debts that would not be able to be paid otherwise due to the COVID-19 economic impact. Bills such as payroll, accounts payment, and any others could be covered by these funds.
However, you have to act fast. There is a limited window to access money, and the money itself isn’t infinite. Already, lenders are reviewing weekly statements rather than monthly statements. This is because when revenue starts to fall, business owners will lose the ability to get funding.
Their mission is to help U.S. small businesses not only survive, but thrive. They offer a broad range of products through their programs. Yet, for the most part, the SBA does not lend money directly. They work through partner financial institutions to guarantee loans. In this way, they are able to leave the administration of the loans and disbursement of funds to those who do it on a regular basis.
SBA business loans are small-business loans guaranteed by the Small Business Administration and issued by participating lenders, mostly banks. They can guarantee up to 85% of loans of $150,000 or less. In addition, loans that are more than $150,000 will guarantee up to 75%. The maximum loan amount they offer is $5 million.
Due to the fact that these are government loans, meaning that they have a government guarantee, financial institutions are able to offer them at lower interest rates than they would be otherwise even before the rate cut.
To be eligible for SBA Government Loans, you must meet certain qualifications. These include:
Keep in mind these can change given the current situation with the coronavirus.
Get the funding you need to keep your business running.
One perk of SBA loans is that you get more time to pay them back than you would otherwise. According to the SBA, the terms depend on how you intend to use the funds.
For example, working capital loans, or funds you intend to use for daily operation, have a repayment term of seven years. However, funds for new equipment purchase have a term of 10 years. On the other hand, real estate loan terms extend even longer to 25 years. Of course, the longer the term the lower the interest, which means lower regular payments.
With little exception, the SBA does not actually provide the funds for the loans they guarantee. The lenders that partner with them provide the funds, but the agency guarantees a portion. Currently, they will guarantee up to $3.75 million.
The SBA guarantee reduces the risk to the bank. As a result, lenders are able to offer better interest rates and terms than they would be able to otherwise. If the borrower defaults on the loan, the Small Business Administration will pay out their guarantee amount.
One of the downsides to SBA loans is that they have a lengthy and somewhat complicated application process. There is a lot of red tape involved, but understandably so considering it is the federal government and they are guaranteeing a huge chunk of the loan. This may be adjusted somewhat during the coronavirus outbreak.
The first thing you have to do is gather the information you will need. This includes:
This list along with links to forms and templates is available at SBA.gov. Once you have this information, you can start looking for a lender.
Get the funding you need to keep your business running.
Realize that once you and the lender determine which loan program will work best for your needs, there may be additional paperwork, as each loan has its own set of requirements. This is a general list for beginning the application process for all loans.
To apply for SBA business loans because your business has suffered due to the coronavirus phenomenon, go here first.
In addition to those loan programs already mentioned that are receiving extra funding to help businesses during this time, the other SBA business loans are still available. Due to the rate cut by the Federal Reserve, these should be available at super low rates.
This is the Small Business Administration’s flagship 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. Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds.
The minimum credit score to qualify is 680, and there is also a required down payment 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.
This is by far the most popular loan program the SBA offers. Funds are available for a broad range of projects, from working capital to refinancing debt, and even buying a new business or real estate.
These SBA business loans are also available up to $5 million. Funds can pay for machinery, facilities, or land. Generally, they are for expansion. Private sector lenders or nonprofits process and disburse the funds. They work especially well for commercial real estate purchases.
Terms for 504 Loans range from 10 to 20 years, and funding can take from 30 to 90 days. They require a minimum credit score of 680. The asset that is being financed has to be used as collateral. There is also a down payment requirement of 10%, which can increase to 15% for a new business.
Furthermore, to qualify you be in business at least 2 years, or management must have equivalent experience if the business is a startup.
Microloans are SBA business loans available in amounts up to $50,000. They work for starting a business, purchasing equipment, buying inventory, or for working capital. Community based non-profits administer microloan programs as intermediaries, with financing coming directly from the Small Business Administration.
Interest rates on these loans are 7.75% to 8% above the lender’s cost to fund. Terms go up to 6 years. They can take upwards of 90 days to fund. The minimum credit score is 640, and the collateral and down payment requirements vary by lender.
These SBA business loans max out at $350,000. They have a maximum interest rate of 11.50%. Also, terms range from 5 to 25 years, and the SBA guarantee is less than with their other loan programs at 50%. To qualify, your credit score must be above 680, and 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 depending on the lender.
The turnaround for express loans is much faster. In fact, the SBA takes 36 hours or less to give a decision. Necessary paperwork for application is less also. Consequently, express loans are a great option for working capital, among other things, if you qualify.
There are 4 distinct CAPLine programs that differ mostly in the expenses they can fund. Each of them carries a maximum amount of $5 million and an interest rate that ranges from 7% to 10%. Funding can take 45 to 90 days.
The four different programs are:
Credit score must be at least 680 to qualify. There is no minimum time in business requirement unless you are getting a seasonal CAPLine. That one carries a one year business requirement.
This program is a pilot set to either expire or extend in 2020. Its purpose is to promote economic growth in underserved areas and markets. Credit decision makers overlook factors such as poor credit or low revenue if the business has the potential to stimulate the economy or create jobs in underserved areas.
Loan amounts range from $50,000 to $250,000 with a maximum interest rate of 11%, while terms range up to 25 years.
In addition to these loan programs, the SBA offers additional programs for certain groups. These include:
There’s no doubt about it. These are unchartered waters. No one knows what’s going to happen. All we can do is act on what we do know right now. Still, when it comes to applying for loans, you have to act fast before more changes happen and the window disappears. For now, it is the perfect time to get SBA business loans.
They can help your business not only survive, but even thrive in these troubled economic times. However, there is limited time and limited funds available. Run, don’t walk. Even if you aren’t feeling the effects of the coronavirus on your business now, you likely will soon.
Furthermore, if you don’t foresee a need for extra funds, you can still apply and take advantage of lower rates. You may end up needing money and not be able to get it. If you don’t, you can always pay it back without ever using it. No harm no foul is a good rule of thumb here. Better yet, you can use the funds to pivot and adapt your business to the changing economic scene and actually end up seeing more success.
The post Coronavirus and SBA Business Loans: The Urgent News You Need to Know Now appeared first on Credit Suite.
Red Leader Tech | Various SW & HW Roles | Palo Alto, CA | Onsite Full-Time
Red Leader Tech is building a lidar sensor that offer 10x resolution and
2x the range over current products in development or on the market.
We’re an early stage venture-backed startup (team of 4) with significant
technical traction (first prototype fully functional and gathering point clouds)
and customer traction.
I’m personally hiring for two software roles and am highly interested if
you have had experience with the following:
– Autonomy & perception stacks
– Working with 3D point cloud data
– Eigen
– ROS
– Real time operating systems
More information about us and our available roles here:
https://bit.ly/32ZpKmk
As an early employee we offer significant equity
and competitive salaries.
Our interview process involves two phone screens and an onsite round.
Reach out to me with a brief intro and resume:
eldrick (at) redleadertech.com
Supplies Online Are Quite Varied
Still, lots of financiers locate trading supplies is one of the finest methods to develop as well as build up on riches. Also if it’s just a couple of bucks at hand to spend, supplies online can be a fantastic factor to consider.
Supplies on-line currently readily available for acquisition come in all kinds. For the a lot of component, financiers will certainly discover that supplies online are those that can additionally be acquired with a broker, paying greater charges.
The kinds of supplies online for acquisition often tend to consist of:
Cent supplies: These supplies are taken into consideration “scrap” by some, however the reality is some individuals have actually taken care of to make extremely large returns on more affordable buys. Beginning up firms as well as those brand-new to the supply market typically supply their supplies at extremely economical costs.
Blue chips: Some of America’s greatest firm names fall under heaven chip classification. These supplies on the internet often tend to be a lot more pricey than others, yet they are commonly kept in mind for their capacity to raise or keep cost. The concept behind heaven chip supplies is that if they drop, they will usually recoup their worth and also raise it.
Bonds, futures: It is occasionally feasible to purchase right into futures and also bonds online. Bonds can consist of community offerings and also those provided by firms.
In truth, those that look for supplies online will certainly discover nearly every little thing readily available on the residential front can be hand online. The schedule of some markets will certainly depend upon the website being made use of. Some investors will just use details markets they have accessibility to.
One more choice for on-line investors drops right into the world of international markets. Foreign exchange trading has actually come to be an extremely huge bargain with the Internet making it much easier as well as much easier for individuals to spend in international supply markets.
Regardless of just how supplies online are dealt, it’s a great concept to go into the handle treatment. Do some research on the websites being made use of to market and also acquire, examine the possible supply acquires as well as do take notice of significant fads up or down. When they play the video game well, also financiers with a really little bit of cash can make some genuine returns.
For the a lot of component, capitalists will certainly locate that supplies online are those that can likewise be acquired via a broker, paying greater charges. Cent supplies: These supplies are thought about “scrap” by some, however the reality is some individuals have actually handled to make extremely large returns on less expensive buys. Begin up business and also those brand-new to the supply market frequently supply their supplies at really inexpensive rates. In truth, those that look for supplies online will certainly discover virtually whatever offered on the residential front can be hand online. No issue exactly how supplies online are gotten as well as marketed, it’s a great concept to go into the offers with treatment.
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The Muse (YC W12) Is Building Up Our Data, Product and also Engineering Teams
Article URL: https://angel.co/company/dex-8/jobs/635625-founding-engineer
Comments URL: https://news.ycombinator.com/item?id=21414738
Points: 1
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Video industry is huge these days: Either you are in or your brand is missing out! Small Biz Trends claims that by 2019, 80% of all web traffic is going to be video traffic. All major agencies and brands have already joined the trend: According to Outbrain survey, over 8o% of digital marketers have started… Read more »
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