Location: Latin America
Remote: yes
Willing to relocate: no
Technologies: crytpo/blockchains; Elixir, Haskell, Rust, Ruby, Python, C, JS, web (full-stack, mostly backend)
Email: alex @ serendipia.email
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I’m an expert of nothing, a problem creator as well as a solver.
I’ve been in IT for a decade or so.
For the last 2 years I’ve been working with cryptocurrencies and blockchains.
Full-stack engineer at Legion Health Austin, TX What is Legion Health? Legion Health is tackling the biggest problem in the mental health space: the massive (and growing) lack of high-quality mental health professionals—and, the resulting lack of access to care. Today, most telemedicine services, hospitals, and insurance companies are in dire need of mental health … Continue reading Legion Health (YC S21) Is Hiring a Founding Engineer – Austin, TX
Article URL: https://substack.com/jobs?utm_source=hn&utm_content=eng
Comments URL: https://news.ycombinator.com/item?id=27950812
Points: 1
# Comments: 0
Location: Indonesia
Remote: Yes
Willing to relocate: Not at the moment
Technologies: Ruby on Rails, PHP Laravel, Javascript, MYSQL/PostgreSQL
Resume/CV:http://ricardo.sawirstudio.com/cv/20210614-resume-ricardo
Email: sawir.ricardo[at]gmail.com
Are you a minority woman in business? Or are you starting a business? Money is always going to be an issue. What if you could get what is essentially free money? That’s what grants are – for the most part. So it would behoove you to look into business grants for minority women.
How do you find the best options for you? How do you know if you need to be looking for grants or business loans for minority women? We recommend that you explore every option. This is because it will probably take a combination of funding options to fully fund your business.
There are business loans for minority women. But they’re often not for them exclusively. But there are other funding choices out there. Loans, crowdfunding, and even angel investors are all viable options. More on those later.
The government and private organizations want to GIVE you money! They’re highly competitive and rarely enough to fund a business on their own. Still, grants are a great way to supplement other business funding. And they are still worth the effort to apply. There really isn’t anything to lose except time – it’s free money. Here are a few you can start with.
The Amber Grant awards one prize of $10,000 per month to a woman-owned business. One of the recipients also receives an additional $25,000 grant at the end of the year. Applicants only need to tell their story and turn it in with a $15 application fee. See ambergrantsforwomen.com/get-an-amber-grant/apply-now.
This award is for women but there’s no specification that a woman be a member of a minority group. The Cartier Women’s Initiative Award has a regional category award and a science and technology award. The regional award is $100,000 for first place, and $30,000 for second and third place.
The award goes to three women from each of seven international regions. This award is a grant to 21 female business owners from around the world each year. Women business owners who are just getting started may qualify. Look over the complete application for more information. See cartierwomensinitiative.com/about-us.
The Cartier Science and Technology Pioneer award is new as of 2021. With this award, three more women impact entrepreneurs at the forefront of scientific and technological innovation will get recognition. Open to women entrepreneurs from any country and sector. This award will highlight disruptive solutions built around unique, protected, or hard-to-reproduce technological or scientific advances. The laureate will get a $100,000 grant. Each of the two remaining finalists will get a $30,000 grant.
Cartier also offers a fellowship program. The fellowship is an educational program geared towards the 24 fellows selected each year. The fellowship program aims to equip the fellows with necessary skills to grow their business. And it helps them to build their leadership capacity. It does so by drawing upon the experience and expertise of many academics, practitioners, industry experts, and entrepreneurs.
The fellowship isn’t exactly a grant. But while it’s not a monetary award, the mentoring and networking opportunities could be worthwhile to apply for. See cartierwomensinitiative.com/fellowship-programme.
Demolish your funding problems with 27 killer ways to get cash for your business.
Also known as NBMBAA, the Scale-Up Pitch Challenge has cash prizes from $1,000 to $50,000. The association’s purpose is to help newer businesses with African American ownership. This is a pitch competition for startup businesses. See nbmbaa.org/scale-up-pitch-challenge.
The US Department of Commerce runs the Minority Business Development Agency (MBDA). It works to help minority-owned businesses get the resources they need to grow and succeed. The MBDA is not just for women. Grant competitions are regularly changing.
Visit the MBDA’s website for info on all current opportunities. Currently, the MBDA helps its members apply for grants via Grants.gov. This involves help with how to apply for government grants. See mbda.gov/grants.
The MBDA oversees the Enterprising Women of Color (EWOC) Initiative. The initiative focuses on the fast-expanding minority women entrepreneur population as a revenue generators for families, communities, and the nation. Minority women are the fastest growing population of entrepreneurs. While many women are making tremendous strides in the business world, they still face obstacles as entrepreneurs
MBDA is an advocate for women’s economic empowerment. They support efforts to advance women’s equality and promote women economic advancement programming. The vision of EWOC is to ensure women worldwide reach their economic potential. See mbda.gov.
The Verizon Small Business Recovery Fund is new. It is in response to the COVID-19 pandemic. The fund offers $10,000 to successful applicants. The fund specifically focuses on providing grants to business owners of color, women-owned businesses, and other underrepresented entrepreneurs. See lisc.org/covid-19/small-business-assistance/small-business-relief-grants/verizon-small-business-recovery-fund.
Demolish your funding problems with 27 killer ways to get cash for your business.
The mission of this group is to offer grants that help Alaska Natives, Native Hawaiians, and Native Americans. These grants are for any gender. So you would be competing against Native Hawaiian, Alaskan, and Native American men. They help in the application process in addition to funds.
First Nations also helps point individuals to appropriate grants offered by other organizations, including the US government. This includes help with writing grant proposals. See firstnations.org/grantmaking.
The NABDI Grant is funded by the US Department of the Interior’s Bureau of Indian Affairs. It is not just for women. It provides funding to business owners of Native American or Alaskan Native descent. In 2019, the program provided more than $727,000 to 21 indigenous tribes. So this was to support economic feasibility studies for specific economic development projects or business startups.
For 2020, NABDI planned to award 20-25 grants. There is no minimum or maximum amount of funding you can request. But most awards range $25,000 to $75,000. They only fund projects for one year at a time, which is when they expect projects to be completed. To apply for a NABDI grant for your proposed economic development feasibility study, go to bia.gov/service/grants/tedc/apply-nabdi-grant.
There is more available via the Bureau of Indian Affairs. Businesses owned by Native Americans can get financing from the federal government through the Indian Affairs branch. These are not just for women. An individual can fill out an application for up to $500,000. But business entities and tribal enterprises may apply for more.
Potential borrowers can apply with any lending institution, they just have to use the application for Indian Affairs. Additional requirements are in place if the funds are used for construction, renovation, or refinancing. In general, you must supply a list of collateral, a credit report, and an analysis of business operations. See bia.gov/as-ia/ieed/loan-guaranty-insurance-and-interest-subsidy-program
If your business is in the arts, and you’re of South Asian descent, then check out this fund. The fund is operated by the India Center Foundation. It is designed to support US-based South Asian arts workers impacted by the COVID-19 pandemic
The fund will disburse grants up to $2,000, depending on financial need to US-based arts workers of South Asian descent. This includes those in the performing arts, film, visual arts, and literature. It’s for people with heritage from Afghanistan, Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka. Initial funding for the program is $20,000. But the India Center Foundation is soliciting donations to expand the grant program.
Applicants must be of South Asian descent, work in the arts and demonstrate loss of income due to COVID-19. Additionally, applicants must be at least 21 years old. You can’t be enrolled in a degree program. Plus they must be able to receive taxable income in the US. Grant funding can go toward any artistic project you can develop, create, and present within 4-6 weeks of getting funding. See theindiacenter.us/artsfund.
Demolish your funding problems with 27 killer ways to get cash for your business.
The federal government gives out grants to all genders and all races. Grants.gov is a running list of over 1,000 available government grants. So this includes minority business grants. The website compiles grants from more than two dozen government agencies. These are agencies like the SBA, USDA, and the US Department of Commerce. To find grants right for your business, use the Search Grants tool on the site. Sort the list of grants by keyword or opportunity number.
Once you have located the grant you wish to apply for, click the hyperlinked opportunity number for more detail. There, you will find more information about the specific grant as well as any associated documentation you might need. To apply for a grant through Grants.gov, you must first register. Then, you will be able to download an application package for the grant you want. Be ready for a lengthy process. See grants.gov.
If you’d rather not rely on grants so much to start and run your business, crowdfunding is a viable option. Still, not everyone with a campaign on a crowdfunding site is successful. This is because more unique products and services tend to do better. Kickstarter and Indiegogo are two of the most popular crowdfunding platforms to use. Some platforms may have higher success rates for women than others.
Angel investors are informal investors. So essentially, you are selling a part of your business to them. They tend to not want a huge percentage of your business. And they won’t pass by more conventional businesses, like with crowdfunding and venture capital. Hence they can be another supplement or replacement for grants.
If grants aren’t an option, loans might work. So if you’re an immigrant, try the Business Center for New Americans. They offer a pilot program for microloans up to $75,000. They work with immigrants, refugees, women, and other minority entrepreneurs. The goal is to help minority business owners who have not been able to get traditional financing. Terms are 3% interest. Loan repayment term goes up to a year. See accompanycapital.org.
So there are several options for grants for minorities and for women. Minority women should apply for grants they feel they are most likely to get. Other options for funding include crowdfunding, angel investors, and loans. Credit Suite can help you get the funding you need.
The post Business Grants for Minority Women appeared first on Credit Suite.
SEEKING WORK | REMOTE
We are a Javascript development team of 5 developers. Each member in my team have more than 4 experience with Javascript. We build ecommerce, dashboard, search engine and webapp with ReactJS and NodeJS
Technology: react, redux, mobx, styled-components, expressjs, loopback, mysql, mongodb
Collaboration tools: trello, atlatsian, zeplin, browserstack, figma, slack.
How we work? After receive the mockup/design from you. We will discuss with you about the requirements of your project. Then we start breakdown the requirements into smaller milestones.
– Our website and portfolio: https://jslancer.com
– Github: https://github.com/jslancerteam
– Slack workspace: https://jslancer.slack.com
– Email: hello@jslancer.com
It’s a brilliant question. How hard is it to establish business credit in a recession? Is business credit building impossible? Or is it just some nightmare? And what happens in an economic downturn?
I assure you it is not only possible, it is downright sure-fire. And business credit is all but recession-proof!
Business credit is credit in a business’s name. It doesn’t link to an owner’s personal credit, not even if the owner is a sole proprietor and the solitary employee of the corporation. Because of this, an entrepreneur’s business and consumer credit scores can be very different.
Because business credit is distinct from individual, it helps to safeguard a business owner’s personal assets, in the event of court action or business insolvency. Also, with two separate credit scores, an entrepreneur can get two separate cards from the same merchant.
This effectively doubles buying power.
Another benefit is that even startups can do this. Visiting a bank for a business loan can be a formula for frustration. But building small business credit, when done right, is a plan for success.
Individual credit scores are dependent on payments but also additional considerations like credit usage percentages. But for small business credit, the scores actually merely depend on whether a corporation pays its invoices timely.
Establishing business credit is a process, and it does not occur automatically. A corporation will need to proactively work to build business credit. Nonetheless, it can be done readily and quickly, and it is much swifter than developing individual credit scores.
Merchants are a big component of this process.
Doing the steps out of sequence will cause repetitive rejections. No one can start at the top with company credit. For instance, you can’t start with store or cash credit from your bank. If you do you’ll get a rejection 100% of the time.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
A business has to be authentic to lenders and vendors. As a result, a company will need a professional-looking website and email address, with website hosting from a company like GoDaddy. Additionally business phone and fax numbers need to have a listing on ListYourself.net.
At the same time the company telephone number should be toll-free (800 exchange or the like).
A company will also need a bank account dedicated strictly to it, and it must have every one of the licenses essential for running. These licenses all must be in the accurate, accurate name of the company, with the same business address and phone numbers.
Keep in mind that this means not just state licenses, but potentially also city licenses.
Visit the IRS web site and obtain an EIN for the small business. They’re free of charge. Select a business entity like corporation, LLC, etc.
A small business can start off as a sole proprietor. But will most likely wish to switch to a form of corporation or partnership to decrease risk and maximize tax benefits.
A business entity will matter when it concerns tax obligations and liability in the event of litigation. A sole proprietorship means the owner is it when it comes to liability and tax obligations. No one else is responsible.
If you run a company as a sole proprietor, then at least be sure to file for a DBA (‘doing business as’) status.
If you do not, then your personal name is the same as the small business name. Therefore, you can find yourself being directly responsible for all company debts.
And also, per the IRS, with this structure there is a 1 in 7 probability of an IRS audit. There is a 1 in 50 chance for corporations! Prevent confusion and drastically lower the odds of an Internal Revenue Service audit as well.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
Begin at the D&B website and obtain a cost-free DUNS number. A DUNS number is how D&B gets a corporation into their system, to produce a PAYDEX score. If there is no DUNS number, then there is no record and no PAYDEX score.
Once in D&B’s system, search Equifax and Experian’s websites for the company. You can do this at https://www.creditsuite.com/reports/. If there is a record with them, check it for accuracy and completeness.
If there are no records with them, go to the next step in the process. By doing this, Experian and Equifax will have something to report on.
First you must build trade lines that report. This is also known as vendor accounts. Then you’ll have an established credit profile, and you’ll get a business credit score.
And with an established business credit profile and score you can start obtaining revolving store and cash credit.
These kinds of accounts have the tendency to be for the things bought all the time, like shipping boxes, outdoor work wear, ink and toner, and office furniture.
But first of all, what is trade credit? These trade lines are credit issuers who will give you initial credit when you have none now. Terms are oftentimes Net 30, instead of revolving.
Hence if you get approval for $1,000 in vendor credit and use all of it, you will need to pay that money back in a set term, like within 30 days on a Net 30 account.
Net 30 accounts must be paid in full within 30 days. 60 accounts need to be paid in full within 60 days. Compared to with revolving accounts, you have a set time when you must pay back what you borrowed or the credit you made use of.
To begin your business credit profile the right way, you should get approval for vendor accounts that report to the business credit reporting agencies. As soon as that’s done, you can then make use of the credit.
Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.
Not every vendor can help like true starter credit can. These are vendors that will grant an approval with very little effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.
So get 3 of these to move onto the next step, which is revolving store credit.
Uline Shipping Supplies is a true starter vendor. Find them online at https://www.uline.com/. They offer shipping, packing, and industrial supplies, and they report to D&B and Experian.
You need to have a DUNS number. They will ask for 2 references and a bank reference. The initial few orders may need to be paid in advance to initially get approval for Net 30 terms. Also, you may need to buy some things you do not need.
Crown Office Supplies is another true starter vendor. Find them online at https://crownofficesupplies.com.
They sell a variety of office supplies and take helping clients seriously. They say, “just starting your business, or maybe have an existing business, but you have a question regarding office supplies… we are here to help!” And they report to Dun and Bradstreet, Experian, and Equifax.
There is a $99.00 yearly fee, though they do report that fee to the business credit reporting agencies. For other purchases to report, the purchase must be at least $30.00. Terms are Net 30.
Grainger Industrial Supply is also a true starter vendor. Find them online at https://www.grainger.com/. They sell safety equipment, plumbing supplies, and more, and they report to D&B. You will need a business license, EIN, and a DUNS number.
For less than $1000 credit limit they will approve virtually anybody with a business license.
Non-Reporting Trade Accounts can also be helpful. While you do want trade accounts to report to at the very least one of the CRAs, a trade account which does not report can yet be of some worth. You can always ask non-reporting accounts for trade references.
Also credit accounts of any sort will help you to better even out business expenditures, consequently making financial planning simpler. These are companies like PayPal Credit, T-Mobile, and Best Buy.
Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs move to revolving store credit.
Use the corporation’s EIN on these credit applications.
Are there more accounts reporting? Then progress to fleet credit. These are companies like BP and Conoco. Use this credit to buy, repair, and take care of vehicles. Make certain to apply using the business’s EIN.
Have you been sensibly managing the credit you’ve gotten up to this point? Then move onto more universal cash credit. These are service providers such as Visa and MasterCard. Keep your SSN off these applications; use your EIN instead.
These are typically MasterCard credit cards. If you have more trade accounts reporting, then these are doable.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
Know what is happening with your credit. Make sure it is being reported and fix any inaccuracies ASAP. Get in the practice of checking credit reports. Dig into the specifics, not just the scores.
We can help you monitor business credit at Experian and D&B for $90 less. Update the relevant information if there are errors or the details is incomplete.
So, what’s all this monitoring for? It’s to challenge any mistakes in your records. Errors in your credit report(s) can be taken care of. But the CRAs typically want you to dispute in a particular way.
Disputing credit report inaccuracies usually means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never mail the originals. Always send copies and retain the originals.
Disputing credit report inaccuracies also means you specifically detail any charges you challenge. Make your dispute letter as clear as possible. Be specific about the issues with your report. Use certified mail so that you will have proof that you mailed in your dispute.
So always use credit sensibly! Don’t borrow beyond what you can pay off. Monitor balances and deadlines for payments. Paying on time and fully will do more to boost business credit scores than virtually anything else.
Establishing corporate credit pays. Good business credit scores help a company get loans. Your credit issuer knows the corporation can pay its financial obligations.
They know the corporation is authentic. And the business’s EIN connects to high scores, and credit issuers won’t feel the need to require a personal guarantee.
Business credit is an asset which can help your small business for years to come.
Obtaining merchant accounts for business credit means that you are on your way to getting good business credit.
These three should conveniently get you going. How hard is it to establish business credit in a recession? Pretty easy! So go out there and clobber it! Learn more here and get started toward establishing business credit.
The post How Hard is it to Establish Business Credit in a Recession? appeared first on Credit Suite.
Hi all – fresh off a fundraise, our start-up is ramping up recruitment. Taptap Send is a fast-growing fintech start-up that allows immigrants to send money back home to Africa and beyond instantly and at very low prices. We are VC-backed by investors including by Reid Hoffman (co-founder of Linkedin), rapidly growing and a great …
Location: [South UK] Portsmouth / Southampton
Remote: Experience in working remote is there, but it really doesn’t matter to me, as long as the commute isn’t long
Willing to relocate: NO
Technologies: JAVA, SQL Résumé/CV: I am Flo, 25 years old and moved from germany to the UK in October to live with my SO. I have succesfully finished an apprenticeship as IT-Specialist (integrated-systems) in Germany at the Deutsche Telekom AG (biggest ISP in germany and mobile provider in europe). During my apprenticeship my career-focus has shifted to software / backend development with JAVA, SQL and NoSQL addtionally I have interest in web applications. (Node) I am an unrefined diamond and need to be shaped, since I have not a lot of professional experience in working in enterprises, and therefore would call myself “Graduate Developer” I offer a lot of passion, curiosity and hard-working attitude, paired with solid knowledge of everything tech. I have experience in developing but I am in dire need of experience in testing, deploying and delivering.
Please email me below for a link to my github and my CV Email: hire.fbauch[ÄT]protonmail[DOT]com
Just Technologies | Oslo, Norway | Full-Time, On-Site | https://gojust.com
Just is a B2B SaaS fintech company headquartered in Oslo, building financial risk management systems for corporate treasurers. We are a small team of experienced engineers, designers & data scientists, who love building great software, learning new things, and having fun while we do it. We are well-funded, have many large corporate customers, and are growing rapidly to enable our international expansion.
We use Go, gRPC, React, Stencil.js & GraphQL, and run Kubernetes on GCP. You can read more about our stack here: https://medium.com/@s_a_j/technology-at-just-498218c38cbe
Here are our open roles:
– Senior Software Engineer: https://www.gojust.com/careers/senior-software-engineer/
– Software Engineer: https://www.gojust.com/careers/software-engineer/
– QA Engineer: https://www.gojust.com/careers/qa-engineer/
– Site Reliability Engineer: https://www.gojust.com/careers/site-reliability-engineer/
We would love to hear from you at careers@gojust.com