Author: Hugh Hernandez

Biz2Credit Review

There are a lot of companies out there that claim to help you get business funding. It can be hard to tell which ones are legit and which ones are scams. Predatory lending is a big issue in the world of business loans, and you have to be on your toes.  You need to research any company before you decide to work with them. 

Biz2Credit is one option, and we’ve done the leg work for you in our in-depth review. 

An In Depth Look at Biz2Credit

It can be hard to navigate the business loan waters alone. Sometimes, a lifeboat comes along and throws out a life preserver. They can help you get your business safely where it needs to be. Sometimes, however, these businesses are sharks in disguise.  How do you tell the difference, and which one is Biz2Credit?  

Biz2Credit Review: Background

Biz2Credit has been around since 2007.  They are backed by Nexus Business Partners, as well as 225,000 small business customers.  The company has helped thousands of small business owners obtain over $2 billion in funding across the United States. 

What Does Biz2Credit Do?

They are not a bank. They do not directly fund loans. What they do is accept and process applications for loans, matching small business owners to the best lender and small business financing products to meet their qualifications and needs. How do they do this? Their proprietary platform innovatively matches business to the capital sources that best fit them. 

Biz2Credit Review: Products 

They offer a number of options for business financing that business owners can apply for. They will help you figure out which option is best for your business needs. Remember, details such as available amounts, rates, terms and requirements can change frequently. Always check with them directly for the most up-to-date information. 

Working Capital

You can get working capital loans that range up to $2 million with Biz2Credit.  They claim it only takes 4 minutes to apply and 24 hours for approval.  Funding happens in as little as 72 hours. 

You must have at least $250,000 in annual revenue, be in business at least 6 months, and have a 575 or greater credit score. 

Term Loans

They offer term loans of up to $250,000 with rates starting at 8.99%.  Final rates depend on many factors, including the borrower’s credit score. The timeline for the term loans is like that of the working capital loans.  The application process is fast, taking as little as four minutes.  Approval usually happens within 24 hours and funds are available by 72 hours in. 

To qualify, your business must have revenue of at least $250,000, you must be in business at least 18 months, and your credit score must be now lower than 660.

Biz2Credit Credit Suite

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

Commercial Real Estate Loans

These loans top out at $6 million.  Rates start at 10%.  The timeline is a little longer for these, with qualification approval coming in at around 48 hours.  Closing times for these loans vary. 

The qualification requirements for the commercial real estate loans are the same as for the term loans. You must have at least $250,000 annual revenue, a 660 or above credit score, and be in business at least 18 months.  One difference is, you also have to own commercial property. 

Biz2Credit PPP

During this past year, over the course of the COVID-19 pandemic, Biz2Credit has also worked with a lender to process applications for the Paycheck Protection Program.  Many who applied with them did so because they were one of the last accepting applications.  Like many lenders in the midst of the program, there were some definite rough spots, however they very well may be approved to help again if the program continues. 

Is Biz2Credit Legit? 

They are.  They have an A+ grade with the Better Business Bureau and an average of 3.86 starts out of 26 reviews.  On Consumer Affairs, they have close to 3.5 stars with 31 ratings. Reading through the reviews on Consumer Affairs, it seems that virtually all of the bad reviews are related to the PPP program. Almost every other review is 5 stars.  This definitely appears to be a legit business, and it seems they work with reputable lenders. 

How to Find More Legit Lenders Avoid Predatory Lenders

So, Biz2Credit is a great option.  Working with them can be a good step in finding the funding you need while avoiding predatory lenders, as it looks like they work with lenders that are reputable. But, what if they will not work for you? What if you do not meet their requirements or you need a different type of funding? How do you find a lender that can help without falling prey to the sharks? You have to know the signs of a predatory lender. 

Signs of a Predatory Lender

What are the signs of a predatory lender? There are many, and not all of them are an automatic stop sign. However, some are. All of these are definitely red flags that should cause you to take a closer look. 

Focus on Monthly Payment Rather Than Actual Loan Amount

If  a lender insists on one large payment at the end of the term, with only interest payments being made each month until that point, proceed with caution. 

Unnecessary Extras Without Your Knowledge

Another common practice of predatory lenders is adding unnecessary extras onto the loan. These are usually things the borrower does not need and is not even aware of their inclusion.  The most common of these seems to be insurance products that do not offer any benefit.

Confessions of Judgement

If a borrower signs a confession of judgement, they are basically agreeing to lose in a court battle if there is a dispute about repayment.  Many cash-advance companies, which make up a large faction of predatory lenders, have their borrowers sign one of these.

New York state law is friendly to this type of contract. Regardless of where a loan takes place, it may include a “New York confession of judgement.” 

 If you see one of these in your loan documents, do not sign it.  It only benefits the lender, not the borrower.
Biz2Credit Credit Suite

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

Punishment for Early Payment

Look closely at loans that have a penalty for prepayment.  The bottom line is, early payment is good.  Even though the lender may lose some interest, they should not be too opposed to early repayment. Alone, this should not be the reason you do not take a loan as it isn’t uncommon. But, it should make you tread carefully and be on the look out for other red flags. 

Seeking the Weak 

Business loan companies that specifically seek out underserved populations, such as minorities and immigrants, and those with bad credit are cause for concern. Especially if they are contacting business owners that fit into these types of categories unsolicited, or targeting them with marketing campaigns designed for them specifically.  In fact, those that fall into these categories are more likely than others to fall prey, according to a 2015 Center for Responsible Lending Report.

Starting with a Bad Deal

Some lenders try to earn trust by admitting they are offering a bad deal.  Then, they promise to fix it in the future. Usually this includes a claim that they will allow for a refinance later that will be better. Don’t fall for it. A bad deal is a bad deal.  

Loan Flipping 

While flipping a house can be very profitable, loan flipping is actually a classic predatory lending move. When the lender sees that you are struggling, they will offer a refinance. But, you end up paying points and fees again.  As a result, before it is over, you could owe more than your original loan.
Biz2Credit Credit Suite

Check out our professional research on bank ratings, the little-known reason why you will – or won’t – get a bank loan for your business.

The Best Way to Avoid Predatory Lenders Is to Work with a Business Credit Expert

In the end, even knowing all the signs doesn’t guarantee you will avoid the sharks. This is especially true if your credit isn’t great.  They can smell blood in the water. Biz2Credit seems to work with reputable lenders, but sometimes that’s not enough.  

In addition to researching lenders, reading reviews, and making phone calls, you need someone on your side to ensure you are set up in the best way possible to get the best funding options for you. 

Our experts at Credit Suite can not only help you find the funding you need, but so much more. They can help you assess your overall fundability so that you can see where your trouble spots are. Then, they can help you make the necessary changes, including helping you build business credit, so you can get the funding you need to run and grow your business.

The post Biz2Credit Review appeared first on Credit Suite.

New comment by pinouchon in "Ask HN: Who is hiring? (December 2020)"

Valx | Software and ML engineering, CFO | Budapest (will change) | Full Time

We apply deep learning to crypto trading (starting as a team of 2, now 5). We invested 50k of our own money in march 2020 and since made a return of more than 100x (x not %). We trade on binance futures, we are vip9 and do around 3-5% of volume there.
Our short-term goal is to scale up our trading systems. My long term goal is to create a lab for fundamental research in ML/AI, working in tandem with the trading entity. I founded Valx for the sole purpose of providing funding for the ML/AI lab.

We are looking for the following roles:

* Someone to talk to lawyers, accountants and write accounting software

* Someone to help us with trading infrastructure: integrating new exchanges or refactoring/rewriting our trading engine.

* (not as urgent, but will consider) ML/DL engineers

Prior experience working with exchanges is a big plus (classical finance, cefi or defi). We use python/pytorch for ML. We use AWS, javascript/ts/node (open to change it) for our trading engine.
We require that you can relocate in 6-12 months, new location is still not decided, most likely will be Singapore, maybe some other tech hub. Remote ok in the meantime.

We offer salary, equity and/or exposure in our trading systems (negotiable, after a trial period)

To apply, email me at b.crouzier [at] gmail [dot] com. Please include relevant past experience that you have.

Exactly how To Find A Good Mortgage Lender

Just how To Find A Good Mortgage Lender

A home is just one of the largest financial investments as well as acquisitions you will certainly make in your life time. With that said stated, it’s extremely essential that you pick a loan provider with a solid track record and also one that you really feel comfy with.

To aid establish your mind at simplicity a little bit, recognize that home loan providers have an unique passion in your finance. An excellent lending institution will certainly place with each other a high quality lending that functions ideal for you.

Look for reputable lending institutions that are acquainted with your market as well as make certain to ask inquiries. When talking with the lending institution, make certain that they can provide the finance within your schedule.

A couple of pointers and also points to take into consideration when searching for an excellent lending institution are:

– Get a couple of references– Ask your relative, close friends and also Real Estate representative that they suggest as well as could have handled in the past.

– When you satisfy the car loan police officer, do they show up expert, arranged and also well-informed?

– Find out which, if any kind of, subscriptions the lending institution holds, i.e., Better Business Bureau, Chamber of Commerce, Mortgage Lender’s Association, and so on

– Is the loan provider offering you choices to aid you with the deposit and also/ or shutting expenses?

– Ask the lending institution what their techniques of interaction will certainly be with you throughout the car loan procedure.

– Did the lending institution offer you with a Good Faith Estimate as well as Truth-In-Lending Disclosure? Lawfully, you need to be given with this documentation within 3 days after sending your application.

– What are the prices connected with the agreement, i.e., shutting expenses, and so on?

– Has the loan provider given you with duplicates of whatever you’ve authorized?

– Did the loan provider provide you a full checklist of every little thing you require to bring with you when you prepare to authorize the financing application?

– Does the loan provider call for that you authorize a Borrower/ Broker Contract? RUN if they do. You do not wish to associate with a broker that makes that need.

You intend to deal with loan provider that you trust fund. Ask for referrals and also speak to those people on your own if you still have inquiries when your meetings are completed. This is a large choice you’re making and also you deserve to obtain every one of the info you desire and also require.

Talk with them regarding the ideal method for you to structure your home mortgage as soon as you’re comfy with a home mortgage lending institution. When supplies for numerous financing kinds have actually been given, you must speak with various other home loan business and also contrast their prices to what you got. As well as constantly make certain to obtain your quotes in composing!

Bear in mind that the home loan that is ideal fit for you depends upon a number of points. Your present economic circumstance, exactly how and also if you anticipate your funds to transform, how much time you intend on maintaining your residence as well as exactly how comfy you are with the opportunity of your home mortgage repayment altering are all variables that require to be taken into consideration prior to authorizing any type of agreements.

Bear in mind additionally that info is encouraging and also the even more research study as well as expedition you do, the far better off you will certainly remain in the years ahead. See to it you are totally pleased with the lending institution you select since you desire somebody that will certainly exist if you have concerns, also after you close on your finance.

To aid establish your mind at simplicity a little bit, understand that home mortgage loan providers have an unique rate of interest in your car loan. An excellent loan provider will certainly place with each other a high quality finance that functions ideal for you.

When talking with the lending institution, make certain that they can provide the car loan within your schedule. – Does the loan provider need that you authorize a Borrower/ Broker Contract? When you’re comfy with a home mortgage lending institution, talk with them concerning the finest method for you to structure your home loan.

The post Exactly how To Find A Good Mortgage Lender appeared first on ROI Credit Builders.

Save money on Taxes Through Home Loan Lending

Minimize Taxes Through Home Loan Lending

Do you cluck with stress and anxiety as well as be sorry for each time you determine just how much of your income really goes to the tax obligation individuals? House funding borrowing makes having a home simple.

Mortgage Lending Lets You Save on Interest
You can also acquire added land with house finance loaning as well as declare the home passion as a reduction. The only problem is that this land be nearby to your residence. You can proclaim as a tax obligation reduction the passion on as much as $100,000 of your home-equity financial obligation.

Mortgage Lending Helps You Save on Taxes
When you buy a residence, you can proclaim all the genuine residential or commercial property tax obligations you pay as a tax obligation reduction. You can proclaim your share of the residential property tax obligations paid as a tax obligation reduction.

What makes this discount rate on tax obligations specifically intriguing is that there is no limitation to the variety of residential or commercial properties that top quality for this reduction. The home tax obligations you pay on all 15 residences can be stated as a reduction if you acquired 15 houses with house car loan financing.

Home Mortgage Lending Gives You Gain Exclusion
Intend you went for house financing borrowing 30 years earlier, as well as currently you have your residence. Is there any kind of method you can proceed taking pleasure in tax obligation benefit?

If you stayed in your residential or commercial property for a minimum of 2 of the previous 5 years prior to making a decision to offer it, you can leave out from your earnings statement $250,000 of the benefit from the sale. Also much better, if you marketed your home for much less than $250,000, you need not report the earnings to the IRS. You have no tax obligation on the sale.

Uncle Sam Is All for Home Loan Lending
A lot of decide for house car loan borrowing. Uncle Sam makes it much easier for you to have a residence by decreasing components of the expense you sustain in residence car loan borrowing.

Residence car loan financing simply may be the ideal point that can ever before take place to any person because the exploration of interior pipes. With residence car loan financing, you not just obtain to purchase a residence, you can utilize it to pay lower tax obligation!

When you buy a residence, you can proclaim all the genuine residential property tax obligations you pay as a tax obligation reduction. You can state your share of the building tax obligations paid as a tax obligation reduction.

Expect you went for residence funding borrowing 30 years earlier, and also currently you possess your home. Uncle Sam makes it less complicated for you to have a house by decreasing components of the price you sustain in house car loan financing.

With residence financing borrowing, you not just obtain to get a home, you can utilize it to pay minimal tax obligation!

The post Save money on Taxes Through Home Loan Lending appeared first on ROI Credit Builders.

How to Turn Your Site into an Automated Sales Machine

Want to make more sales? Of course you do.

Maybe you’re not hitting the kind of figures you want, or maybe you haven’t even made a single sale yet. Either way, you’re not selling as much as you want to be.

But why aren’t you? 

There are tons of possible reasons here, but I’m willing to bet it’s your website. Even if you have an expertly designed site, it could still be the culprit that’s stealing all your sales.

I learned this the hard way. My websites used to flat out suck and I barely got any sales. Once I started putting serious effort into my sites, my sales skyrocketed.

I tried everything. Some stuff was a huge waste. Some techniques ticked off my users. 

But I was able to find some serious long-term winners. 

While there’s no magic formula that will 10x your sales overnight, there are some best practices that will help you optimize your website to pull in the maximum amount of sales possible.

In short, you want to turn your site into an automated sales machine.

And I’m going to show you exactly how to do that.

Ready?

Setting Up Behind the Scenes With a CRM

The first thing you need is great customer relationship management (CRM) software.

A CRM helps you manage all of your current customers and leads in one place. You can communicate, track progress, and oversee all interactions without having to leave the CRM.

The reason you want to use a CRM is that it will help you generate the most amount of money out of your customers. And this is a lot easier to do than it is to acquire new customers.

When my friends at Keap reached out to let me know about their rebranding, I realized it had been a long time since I talked about how important their tool is in my arsenal.

Now, throughout the rest of this article, I’ll show you how I use Keap to grow NeilPatel.com.

But first, let me go into what it does… that way whatever solution you decide to choose, just make sure it has these features.

All-in-one Client Management

A good CRM should provide everything you need to manage your customers. You shouldn’t have to use extra software or apps to fill in the cracks.

That means your CRM should allow you to manage every interaction between you and your customers. You should be able to look at your CRM and know exactly where you are with any given client.

Here’s what it looks like when you first view your dashboard:

Having a simple, minimalistic design like this really helps cut down on the confusion that comes with managing tons of clients. There’s no second-guessing.

Take a look at the menu on the left-hand side:

Keap has taken all the ways you interact with your customers and broken them down into nine intuitive categories.

By clicking on the Contacts tab, you can see all of your clients:

By clicking on a particular client, you can see a summary of your activity with that person, including email conversations and invoice history.

This is important for me and my team as we offer multiple products and this view helps us understand where people are.

Remember, by having multiple products you can maximize your lifetime value, which then allows you to spend more money on marketing.

There’s also a separate message function that you can access by clicking on the Messages tab:

Here you can see all of your correspondence with each client. You’ll need to connect your mobile phone with the Keap app. This allows you to seamlessly switch between mobile and desktop for an efficient messaging experience.

The Tasks tab gives you a rundown of your to-do list for your clients:

You can check off each task here and easily add more by clicking the blue “Add a task” button at the top right. This way, you’ll never lose track of what you need to do.

Next is the Appointments tab, where you can set up a custom booking link to allow clients to schedule appointments with you. You choose your own availability so that clients always choose times that work for you.

This is great if you regularly have face-to-face interactions with your clients for example.

The Money tab is your one-stop-shop for all things finances. You can connect your bank to get paid in a flash and you can also manage all your invoices without any fuss.

You’re always aware of who’s paid and who hasn’t, so you don’t have to go chasing down clients one by one. You can simply send them a reminder within the interface by clicking on the specific invoice and scrolling to the bottom where there’s a reminder option:

The Broadcasts tab allows you to send out emails to your list.

Even though this isn’t standalone email software, you can still see a ton of helpful metrics by clicking on each campaign:

This feature is especially helpful for sending out emails to specific groups, like new leads or existing customers.

Next, you’ll see the Pipeline tab. This is where you build the core of your customer journey.

Once you click on the Pipeline tab, you’ll see four basic panels: new, qualifying, contacting, and negotiating. These are the stages that you’ll go through when converting a new prospect.

This is also where a lot of the automation happens that will save you tons of time and money. I’ll go into detail on this later on in the article, but for now, just remember this pipeline structure.

The Campaigns tab is a full-featured campaign manager that allows you to follow up with leads, track unpaid invoices, simplify scheduling, and much more. (You can also automate a lot of things here.)

Finally, the Reports tab helps you stay on top of your sales. Here you can also track important metrics like email engagement and campaign progression.

Take another look at all of these features. This is what I mean by all-in-one. A CRM should allow you to interact with your clients in any way you need to. You shouldn’t have to jump from software to software to create a great experience for your clients.

Now that we’ve looked at some basic elements of a good CRM, let’s look at one of the must-haves: automation.

Automation

Automation is hands down one of the most important features I look for in a CRM.

Why?

Because running a business is a lot of work, and the more you can automate, the better.

Automating is usually straightforward, but when it comes to automating client interactions, you have to be careful.

People love personal interactions, and that’s why you should do your best to deliver. If your automation is dry and corporate, your clients will notice.

So what do you do?

The trick is to personalize your automation as much as possible.

In other words, your automation should have a human touch.

If this sounds counterintuitive, I totally understand. “Personalized automation” seems like an oxymoron.

But it’s not. In fact, it works pretty well.

Take a look at this email I recently sent:

Believe it or not, this is a template.

The reason this works so well is that it doesn’t read like a template. It reads like an email I sat down and wrote myself.

Of course, you can automate way more than just emails.

Most automation actually happens behind the scenes, so you need a CRM that’s capable of seamlessly automating everything from client data to scheduling and beyond.

Let’s say I want to email a lead when they move from stage to stage in my pipeline. This is a great technique to keep leads engaged but often you have to do it manually.

With Keap, it’s simple. First I head to the Pipeline tab and find the specific lead. Then I click the gear icon and select “Configure automation.”

I now select when I want the email to trigger: either moving into or out of a stage. For this example, I’ll have it trigger when the lead moves out of the qualifying stage (where the lead currently is).

Then I select “send email” from the drop-down menu.

Now all I have to do is write the email.

Of course, you can use personalized templates here to maximize your efficiency even more. You can even personalize the email with this form by clicking on the pound sign on the right to open up the merge fields drop-down menu.

This all takes just a couple of minutes and it’s all completely contained within Keap.

See why automation is so important? It’s one of those features I can’t go without.

And I like easy automation. I’m super busy, so the easier something is, the better. I don’t want to have to go through a million menus just to shoot an email.

All of this said, there are definitely right and wrong ways to automate. You want your automation to make your business as efficient as possible and that means creating dependable processes that you can repeat without even thinking about it.

Creating Processes With a CRM

CRMs are useful for a lot of things from qualifying leads to creating entire marketing campaigns.

But there’s a common thread that runs through all of these features: the ability to create processes.

Processes are invaluable because they save you time, effort, and often money.

They also help your business operate more smoothly. Relying on processes is much easier than having to do everything manually.

That begs the question: What kinds of processes should you create?

The short answer is that you should have a process for everything. And I mean everything. 

Responding to client emails? Make a process for it. Dealing with new leads? Set up a workflow for qualifying them. You get the picture.

This is critical. If you want to increase your sales, you have to be able to handle increased sales in the first place. Having processes to depend upon will allow you to take on more volume without any unnecessary friction.

As a rule of thumb, if you can automate something in your business, you probably should.

The exception (like I mentioned above) is anything based around human interaction. It’s best to stay as hands-on as possible when it comes to this.

The idea is to make your business run like clockwork so you can pay more attention to your clients and deliver a better experience.

And that’s a win-win for everyone involved.

But let’s get specific and talk about certain processes that you should make sure you have.

Lead Flow

This is a big one.

A lot of marketers focus on lead generation but not enough people talk about what should happen after you’ve got a lead.

If you don’t move your lead forward, your efforts are as good as wasted.

That’s why automating your lead flow process is critical. You don’t want to be doing this by hand––that takes hours.

Instead, let your CRM do it for you.

Create multiple stages along your pipeline and trigger unique email sequences for each stage. This means that you can keep your lead moving forward at all times.

This way, you won’t overlook anything. You don’t have to worry about forgetting to follow up or missing an important email.

So let the CRM do the heavy lifting so you can focus on providing a better service for your customers.

Marketing Emails

With a CRM, it’s possible to automate all of your marketing emails, and in my opinion, this should be one of the first things you automate.

Why? Because emails can take up lots of time without you even noticing.

According to the Litmus 2017 State of Email report, more than 68% of businesses spend a week or more on the production of just one email.

Automation allows you to cut back on that time so you’re not working on the same task for days on end. You’re able to spread out your time and attention on other things that need to be handled.

And by automating your email, you’re making your email work for you instead of the other way around.

For example, whenever you get a new lead, you need to take action as swiftly as possible.

With the right CRM, this is a snap. All you need to do is automate it so that a new lead receives an email as soon as they sign up.

That way, you’re able to contact a warm lead immediately and you don’t have to do anything manually.

You can track them right from the Broadcasts tab:

This means you can also create autoresponder campaigns to get more clients in the door.

You can then move them down your pipeline, which brings me to the next thing you need to do: build a robust pipeline.

Building a Streamlined Sales Pipeline

If you’ve ever wondered what’s stopping your site from raking in the sales, chances are it’s probably your pipeline.

Now, I could talk for hours about building an effective pipeline, but for the purposes of this article, I’m going to condense the information down to the essentials.

So here’s everything you need to know about pipelines.

Common Pipeline Mistakes

Most pipeline errors that cost you precious time and money are easily preventable, which is why you should take the time now to make sure your pipeline is seamless from start to finish.

Ironically, one of the most common pipeline mistakes is simply not spending enough time on your building it out initially.

Your pipeline is the lifeblood of your business. It’s what helps you turn leads into clients. So if it’s not optimal, your sales won’t be either.

Another mistake is not moving leads quickly enough.

The data shows that the sooner you nurture your leads, the better. Wait too long, and your leads will turn cold, which could cost you a sale.

Did you know that as much as 50% of sales go to the first vendor?

Every second matters when you get a new lead.

By baking automation into your pipeline, you can nurture a new lead immediately. The software will take care of that for you, and you’ll be one step closer to making a sale.

Likewise, it’s important to keep this engagement steady throughout your pipeline. Being present at every step will greatly increase your chances of closing the sale.

The best way to do this? Surprise––it’s CRM automation.

But no matter what CRM you’re using, don’t make these costly mistakes.

Organizing Your Pipeline

Now that I’ve talked about what not to do, I’ll tell you what you should do.

First, make sure you have your priorities right at each touchpoint.

To put it another way, your pipeline needs to be doing the right things at the right time.

For example, when you first get a lead, your top priority should be nurturing that lead. You don’t want to hit them over the head with a big sales pitch––you just want to increase brand awareness.

Also, remember that a pipeline is essentially a bunch of leads going through a sales funnel. Use that framework to create your process and automations.

Your CRM can help you create a cohesive pipeline that keeps leads moving through your funnel and ensures that the appropriate actions are taken when necessary.

First of all, the four stock categories that Keap starts you out with (new, qualifying, contacting, negotiating) are great, but you can always add more if you need to.

Just scroll all the way to the right and click the “Add a stage” text field:

For instance, you could add a Completed stage for leads that you’ve successfully converted and are moving forward with.

The way you organize your pipeline might take some trial and error, as most companies have unique workflows.

However, I would recommend having at least three different stages so you can engage your lead at the beginning, middle, and end of your pipeline.

Next, the key is to use automation to make your pipeline as hands-off as possible.

Start by automating your email sequences as I showed above to help move your leads from stage to stage and keep them engaged. Again, these emails need to be personalized. There’s no point in using boilerplate templates that are stiff and boring. Take the time to make each email feel personal.

Next, add automation to your campaigns. This will ensure specific actions are taking within your CRM as leads move from stage to stage. These step-by-step tutorials on automation can help you get up and running.

Now, I won’t lie to you––this is going to take some trial and error. You aren’t going to have a perfect pipeline on day one.

So be sure to test your pipeline before you take it out in the real world.

Plug some fake clients and numbers into your CRM and use a few burner emails to test out your CRM’s capabilities. This will give you the chance to identify and remedy problems before you go live.

This extra step goes a long way. Sure, your pipeline still might have some errors once you start using it for actual clients, but you’ll have minimized the risk involved.

Conclusion

You’re almost at the finish line! It won’t be long until you’re putting your shiny new pipeline to good use.

But first, we have to put all the pieces together, so let’s recap what we’ve gone over.

1. The importance of a robust CRM. You want software that will allow you to manage all of your customers in one place, automate your business process, and track important metrics and interactions.

2. Putting processes in place. Having processes to depend upon is crucial for every business. Doing everything by the seat of your pants leads to inconsistency and often costs you.

3. Automation. If you can automate an internal process, you probably should. You can also automate a fair amount of client interactions without losing a human touch.

The final step is to synthesize all of these steps into one unified approach.

Remember, you’re doing all this to optimize your site for sales. You’re building a strong foundation that will support you as you scale.

After all, your site is the sum of its parts, so make those parts awesome.

Choose a CRM that meets your needs and that’s flexible so it will grow with you. Then create processes that will take the weight off your shoulders––and don’t be afraid to change these processes over time as your business evolves.

And there you have it — everything you need to start turning your site into an automation workhorse.

Before you know it, you’ll be seeing some of the amazing effects of automation and hopefully bringing in more sales than ever before.

Do you use a CRM that has helped turn your website into a sales machine?

The post How to Turn Your Site into an Automated Sales Machine appeared first on Neil Patel.

New comment by susanne_audatic in "Ask HN: Who is hiring? (January 2020)"

Audatic | Berlin, Germany (ONSITE) | Full-time | Visa | SysAdmin & Deep Learning Engineer | http://audatic.ai Audatic is building systems to intelligently modify sound using state of the art deep learning technology and unique datasets. Our personalized sound environment allows users to customize sounds to their individual taste. Applications include effortless interactions in noisy places (especially for people with hearing impairments), and realistic audio-environments for augmented reality. We are a young, driven and dynamic team with the vision to change people’s lives. We value each team member and opinion equally and count on everyone’s contribution to make our vision come true. You are encouraged to constructively challenge our ideas and can expect to be involved in the decisions that shape the future of our company. Tech: Linux, Python with Tensorflow, Android & iOS and some AWS. We are looking for smart and curious people who either like to manage our in-house cluster and infrastructure (SysAdmin) or build novel network architectures (Deep Learning Engineer). Apply now at http://audatic.ai/apply-now/

Check Out Our Reliable Business Credit Card Comparison

The Only Business Credit Card Comparison You’ll Ever Need

We performed a business credit card comparison and did the research for you. So, here are our top picks.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer cards!

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

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

Business Credit Card Comparison: Benefits

Perks can vary. So, make sure to select the benefit you like from our business credit card comparison.

Business Credit Card Comparison: 0% APR – Pay Nothing!

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 yearly fee and comes with a 0% introductory APR on purchases for the first nine months. Thereafter, the card has a 13.24 – 23.24% variable APR

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

Details

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

They additionally get trip cancellation coverage, trip delay reimbursement and other benefits.

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 one more offer of a 0% introductory APR

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

Details

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

After that, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon 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/

Uber Visa Card

Check out the Uber Visa Card. Uber is the 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 such as 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 in the app.

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

Details

If you pay your cellular 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 expects most of these offers will 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 in the Uber app, accumulate a minimum of 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 someway. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Earn 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, get 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 available 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

Have a look at the Ink Business Cash ℠ Credit Card. Small businesses can get cash back with each purchase. Spend $3,000 in the initial three months from account opening. And you’ll earn a $500 bonus cash back.

There is a $0 annual 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 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 credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. 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, gas 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. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Also, 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. 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 alternative is the Starwood Preferred Guest Business Credit Card from American Express.

This credit 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 get four points per dollar at American restaurants, US gas stations, and on American purchases for shipping.

Also, get 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

Earn 75,000 bonus points when you spend $3,000 in the initial 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 most significant 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

Business Credit Card Comparison Credit Suite

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

Business Credit Card Comparison: Terrific Cards for Cash Back

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly 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 ends, 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, get 5% cash back at US office supply stores and on wireless phone services. So, these must be bought from American service providers. But this pertains to the initial $50,000 of annual 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 yearly spending. Then, you earn 1% cash back.

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

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

And, it kicks in 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 which cardholders can earn. Also, the card has a $0 annual fee.

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

A cash bonus of $150 is on offer for those who make at the very least $500 in purchases within 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/

Business Credit Card Comparison: Small Business Credit Cards for Luxurious Travel Points

Capital One® Spark® Miles for Business

Be sure to check out the Capital One® Spark® Miles for Business card for travel points. With this card, you can get 2 miles per dollar on all purchases. When you spend $4,500 within the first 3 months of opening an account, you can earn 50,000 miles. So, that is worth $500 in travel.

Benefits for cardholders include an auto rental collision damage waiver, and purchase security. And they also include extended warranty coverage. And you get travel and emergency assistance services.

Cardholders will pay $0 introductory for the first year. But they will pay $95 after that for the annual fee.

There is no 0% APR for purchases or balance transfers with this card. The APR is 18.74% (variable).

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

The Business Platinum® Card from American Express OPEN

Check out the Business Platinum® Card from American Express OPEN if you’re comfortable with an outrageous annual fee. This card earns 5 points per dollar on flights and prepaid hotels booked on the American Express Travel website.

It also gets 2 points per dollar on travel purchases booked on the American Express Travel website.

Furthermore, it gets 1.5 points per dollar on purchases of $5,000 or more. So, this is with up to one million additional points per calendar year. All other eligible purchases earn one point per dollar.

Details

With this card’s welcome offer, you can earn 50,000 bonus points when you spend $10,000. And earn another 25,000 points when you spend an additional $10,000 in that same period.

Cardholder benefits include global lounge access and a $200 airline fee credit. And you get a fee credit for Global Entry or TSA Precheck.

Benefits also include complimentary Wi-Fi hotspot internet access, privileges including early check-in and daily breakfast at participating hotels and resorts. Plus, the card offers travel accident insurance and roadside assistance.

This card does not offer bonus point earnings in other categories like gas, office supplies or advertising. In addition, all of these benefits do not come cheap. Note: the card has a yearly fee of $450!

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex

Business Credit Card Comparison Credit Suite

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

Chase Sapphire Reserve®

For travel points, check out the Chase Sapphire Reserve® credit card. You can get 3 points/dollar on travel and dining at restaurants and 1 point/dollar on other purchases.

Spend $4,000 in the initial 3 months, and you will earn 50,000 bonus points. This card provides a $300 annual travel credit. And you get airport lounge access, perks at luxury hotels and resorts including upgrades.

It also provides a fee credit for Global Entry or TSA Precheck, early check-in and late checkout. And it provides trip cancellation and interruption insurance, an auto rental collision damage waiver.

Details

Plus, lost luggage reimbursement, trip delay reimbursement, and purchase protection. Finally, it also has return protection and extended warranty protection.

This credit card also offers cardholders a 25% higher points value when redeemed for travel through Chase Ultimate Rewards. With this card, points are worth 50% more when redeemed for travel through Chase Ultimate Rewards.

The biggest issues are the annual fee of $450 and $75 per authorized user. Another point to consider should be that the card has a 17.99 – 24.99% variable APR.

So, consider this one carefully and make sure to read the small print.

Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel

IHG ® Rewards Club Premier Credit Card

Have a look at the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For every dollar spent at participating IHG hotels, get 10 points. Get two points per dollar spent at gas stations, grocery stores and restaurants.

Plus, all other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay per year. Plus, there is a range of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.

The most significant issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the annual fee is $89.

Get it here: https://creditcards.chase.com/a1/ihg/premiernaep

Marriott Rewards® Premier Plus Credit Card

This card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.

Spend $3,000 in the initial three months from account opening and get two free night awards (each valued up to 35,000 points).

Cardholders get access to perks including a free one-night stay annually after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.

Details

Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. Plus, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.

There is an annual fee of $95. The APR is a 17.99 – 24.99% variable.

Get it here: https://creditcards.chase.com/marriott/apply

Business Credit Card Comparison: Unbeatable Cards for Jackpot Rewards

Chase Sapphire Preferred® Card

Check out the Chase Sapphire Preferred® Card for travel points.

You can earn 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 redeemed 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 initial 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

Get 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 credit cards at no additional cost.

This credit 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 get 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

Business Credit Card Comparison Credit Suite

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

Hilton Honors American Express Ascend Card

Check out the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Get 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 card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.

Details

Cardholders can earn a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Get 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 in a calendar year, you can earn Hilton Honors Diamond status through the end of the next calendar year. This status includes all of 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/

Secure Business Credit Cards for Average Credit

Capital One® Spark® Classic for Business

For average credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. The card gets 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/

Reliable Low APR/Balance Transfers Business Credit Cards

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

You will get an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year. So this is automatic.

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

Credit Builder Company 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 offers 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 distinct feature is that it offers an incentive for students to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit annually for up to five years. We feel it belongs in any business credit card comparison.

Details

Use this credit card to build personal credit. So this is a personal credit card versus a business credit card. But for new credit users, their FICO scores will be vital. And this card provides an outstanding way to raise FICO while also getting rewards.

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

In the first 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. So this is whichever is greater. 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

Ironclad Secured Credit Cards

Wells Fargo Business Secured Credit Card

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

Pick this card if you wish to get 1.5% per dollar in purchases with no limits or earn one point for every dollar in purchases. You also get 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 credit card for balance transfers.

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

Secured cards are a valid part of any business credit card comparison.

Our Business Credit Card Comparison Helps Find the Perfect Business Credit Cards for You

Your absolute best business credit cards hinge on your credit history and scores. Our business credit card comparison should help.

Only you can choose which features you want and need. So, make sure to do your homework. What is outstanding for you could be catastrophic for another person.

And, as always, be sure to build credit in the recommended order for the best, speediest benefits.

The post Check Out Our Reliable Business Credit Card Comparison appeared first on Credit Suite.