Finley (YC W21) is hiring fintech experts to transform debt capital management

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Best WordPress Themes for Blogs

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More people blog on WordPress than any other platform. If you want to stand out from the crowd, you need the right theme.

WordPress themes determine the layout of your blog, the impression it has on visitors, and how easy it is to navigate.

There are a lot of WordPress themes to choose from. Over the years, I’ve experimented with dozens of themes across my sites. As one of the internet’s most successful bloggers, I know what works.

Here’s my latest take on the seven best WordPress themes for blogs. This page is always getting updated as new themes come out and others outlive their use.

Keep reading to find my top picks along with a buyer’s guide that will help you make sense of your many good options.

#1 – Olsen Review – The Best WordPress Theme for Lifestyle and Fashion Blogs

If you are a lifestyle or fashion blogger looking for a place to store all of your content among a focused layout with crisp fonts, Olsen is the perfect theme for you.

It takes very little work to pull off a very professional blog. You’re not going to break the mold with something people have never seen before–Olsen’s strength is in it’s familiarity. Readers will immediately be comfortable with your layout, knowing how to navigate and share your content.

Providing a fluid and peaceful reading experience, Olsen is the theme for anyone who wants their images to stand out next to their content. Tell a story with more than just words.

Olsen is completely customizable and is the perfect place to show off your best work.

Two unique elements this theme offers are a  Featured Content slider and an Instagram footer widget. Both elements are great for sharing your work with readers.

The Featured Content slider is a little different from the average Featured Content add-on. This element allows you to pick up to six images or posts and include them at the front of your blog. The reader can navigate this slider by clicking the left or right arrow.

The Instagram footer widget is unique and doesn’t appear in any other theme on this list. This is the perfect add-on for a fashion or lifestyle blogger who wants to showcase their photos. It shows the widget at the bottom of your blog and features your most recent Instagram posts in a large single row.

The downside is for people who want the Instagram feature for free. Unfortunately, you must pay for the theme or buy a plan to use it, but we think this trade-off is worth it.   

You can get started with Olsen today for free. Upgrading to Olsen Pro is only $34.30 for a full year. There is also a Club Membership, which gives you access to many more themes and plugins, and it’s only $48.30.

#2 – Extra Review — The Best for Most Standard Blogs

If you are looking for a WordPress theme that lets you do it all–and have an easier time doing it–then Extra is my top recommendation.

With some themes, you can get pigeon-holed into a certain style or format. With Extra, you never have to worry about limits or boundaries.

Blogs of any type, digital magazines, portfolios, online stores–really any kind of blogging experience you are looking to deliver is possible with Extra.

Extra is from Elegant Themes, the same people who make Divi, which is the most popular WordPress theme in the world. If you are looking to build a unique website on WordPress, Divi is a great choice. 

However, if you are specifically focused on finding a theme for WordPress blogging, go with Extra. It gives you the same foundation as Divi, but it’s been optimized for bloggers.

The most important aspects are the new modules within the Divi Builder that help you curate your content for readers, including post feed, post carousel, post slider, and tabbed posts. All of these are tied to the categories you set and easy to arrange in an appealing layout.

Extra Theme Preview

Publishing the striking blog on the left is as easy as filling in the intuitive layout on the right.

With Extra you get the Divi Builder ability to create everything visually, but it’s within a framework that makes blogging easier. It’s a true drag-and-drop editor that lets you build elegant posts and pages very quickly. 

Start from one of more than 800 pre-made layouts and customize virtually every aspect from there. Colors, fonts, sizing, spacing, sizing is easy to adjust with clicks, not code. Whatever you design is fully responsive to any screen size. No extra work or double-checking on your part.

Here are some of the other ways that Extra helps people take their WordPress blog to the next level:

  • Built-in ratings and review system
  • Customizable menus and headers
  • Automatic WordPress updates
  • 24/7 customer support
  • Optimized for WooCommerce
  • Social media integration

All of these features work together beautifully. Your blog readers are greeted by an enticing layout and your site is effortless to navigate. They can read, review, rate, and share your posts across other channels.

Extra is available for purchase through a membership to Elegant Themes. That means for one price, you get access to Divi, Extra, as well as Bloom (email plugin) and Monarch (social media plugin).

This is a complete set of tools that can power your entire website with a modern and integrated blog.

Elegant Themes memberships are $89 per year, or $249 for a lifetime subscription. This includes 24/7 premium support and unlimited usage of every product.

The company is constantly adding new features. I’m talking about fresh layouts every week and new tools to help your blog stand out.

Try the whole suite of Elegant Themes products risk free for 30 days.

#3 – Newspaper Review — The Best for Breaking Stories

Newspaper theme

Some people need a simple blog that showcases their portfolio. Others need a platform that delivers new content to their readers on a daily basis, whether they are breaking stories about their brand or community.

I’m talking about a blog experience where visitors show up to find a new arrangement of content every morning. If this describes you, then Newspaper is the WordPress theme for your blog.

It is the number one bestselling news theme of all time, and for good reason. You can use any kind of content or social media integration–it’s all going to look sharp. 

Beginners and professionals will love how easy Newspaper is to use. Whether you want to get set up in minutes or craft a trendsetting design, you’ll find the theme very accommodating.

Include sound, moving images, and other features to engage your audience with no more than a few clicks. And, you can rest assured that none of the changes you make will slow your site down.

This is true even if readers are on their phone, as Newspaper is completely integrated with the Google AMP (Accelerated Mobile Pages) plugin. 

Instead of a slow, cluttered experience–as you might get with another news-style WordPress theme–all of your readers can enjoy what you publish. Given how much traffic comes from mobile-users, this is a big deal.

None of this will require coding, so your whole team can take advantage of the theme. No graphic design degree necessary to edit images. With Newspaper, it’s a snap to create eye-catching, on-brand images that develop your story.

Newspaper Blend Mode

This means less steps to make sure your content, logos, headers, and footers are all working together to deliver a positive blog experience for your readers. And if you are constantly updating, the time-savings adds up quick.

With Newspaper, you can eliminate hours from your monthly workflows and free up your team to create.

Despite being able to do so much, management remains quite simple. Quickly gain mastery over your blog and use the great features included with Newspaper like:

  • 100+ pre-built websites
  • 1,000+ pre-made templates, pages, posts and sections
  • Unlimited sidebars
  • Live search display
  • WooCommerce shortcodes
  • Membership paywalls
  • Rating and review system

Monetizing your blog is incredibly easy with banner ads, Google Ads, and Adsense. All ads are responsive, and Newspaper starts you off with 14 predefined and 5 custom spots. You can place ads where you want without disrupting the flow of your blog.

Pricing for Newspaper starts at $59 for a regular license. This includes free future updates and 6 months of premium support. You can extend support for a full year for $17.63.

There’s a ton included with the price, but if you want to add other plugins to optimize SEO, open an online store, or increase security, you can rest assured that Newspaper theme will integrate smoothly.

Get started with Newspaper today and start publishing a world-class blog every day.

#4 – Akea Review — The Best for Minimalist Style

Akea Theme

Akea is a WordPress theme from GoodLayers, a company that empowers bloggers who live by the “less is more” mantra. 

Over the years, the company has released some of the greatest minimal blog themes. It’s best for people who don’t want too much information and stimulation a negative and expect readers with similar tastes.

You get total control over how your content is exhibited. Play with the spacing between items on your page. Tweak the size of thumbnails used for your blog. Use a single image to fit any screen size with the 100 percent fluid layout. 

Customize it until you get it just right. With Akea, you don’t have hundreds of templates, but you don’t have to squeeze anything into a pre-built mold. Instead, you get a relatively small selection of blog layouts and each one is an open field.

Upload your own font. Bring in any video, quotes, galleries in a slider. Make a bold impression using a few commanding content elements arranged just the way you like.

Akea Theme Preview

If you’re looking to jam the most content per square inch into your blog, this is not for you. 

This isn’t to say you can’t include sidebars, or menus, or give your readers tons of options. With Akea, that’s all easy to do. It’s just really focused on the minimal style, so all of these elements are unobtrusive and clean.

You get a floating navigation bar, so your readers always have quick access to more content, but you are never overloading them at any point.

That’s the spirit of Akea, which comes with a trim feature set designed for you to start making it your own immediately. Some of the essentials include:

  • Drag-and-drop page builder
  • Unlimited customizable sidebars
  • 14 blog layouts
  • Social media integration
  • WooCommerce integration
  • Custom skin colors for page sections

While you get comparatively few templates compared to other options, there’s a lot you can do with each one.

Akea starts at $54. It includes free lifetime updates and premium customer support for the first six months.

Because Akea is a newer theme, there are fewer reviews of the theme than some of the others I recommend. But GoodLayers has always done a solid job, and Akea works well with the latest plugins and WordPress updates.

This means less work on your end to make sure everything is running smooth, as the modern integration decreases problems and potential security issues.

It’s also fully compatible with the WordPress Gutenberg editor, which is now standard for all new sites. This is going to save a lot of time and make the final product look better with less configuration.

If you value simple, clean design for your WordPress blog, Akea is a theme you should check out today.

#5 – Pearl Review — The Best Corporate WordPress Theme

Pearl Theme

Pearl is an incredibly feature-rich and flexible WordPress theme that’s got enough options to outfit any business. 

I recommend this to people whose blog is part of a larger website. Pearl is kind of overkill if you just need a blog, though you could make an incredible blog with it. 

On that note, it might be a good option if you are hitting your limits with your current WordPress theme. If there’s features and functionality you can’t swing now, Pearl will help you get there.

To put it simply, with Pearl you’re not making compromises–you’re making a blog that’s tailored to fit the needs of your industry and goals. Pearl offers an astonishing range of demos for virtually every vertical: agency, beauty, ecommerce, law, music, software, and more.

Each of these demos has been carefully designed to include a suite of features and layout to meet the challenges businesses face.

The Pearl Viral demo, for example, showcases your posts according to how popular they are, with professional category tags to help readers find what they want.

Pearl Preview

For a business in the entertainment industry, the out-of-the-box power of this blog layout and styling is obvious. The same is true for everyone of the many industries Pearl supports.

And your blog will be totally tied into the rest of your site, which is a must if blogging is a part of your business outreach. Readers can react to posts, leave a reply, share it on social media, or get drawn further into your site and company offerings.

You can add more than 55 different types of shortcodes (UI blocks) into your posts. This includes things like a music player, calls to action, events lists, icon boxes, galleries, pricing tables, and a lot more.

This is huge for corporate users who need a range of ways to communicate and interact with their audience. Some of the other standout features include:

  • Visual Composer drag-and-drop builder
  • Mega menus with three drop down levels
  • Customizable headers and footers
  • 800+ fonts
  • Custom icons
  • Sidebar builder
  • 24/7 with live chat

There’s really not much you can’t do with Pearl, and most of it can be accomplished without writing a line of code. 

And all of this is available for the price of $59 for a regular license with free lifetime updates. Six months of maintenance is included, with additional coverage available for purchase. 

If you need a high-functioning blog, bear in mind that Pearl includes a number of premium plugins for free. You get WPBakery, Booked Appointments, Ninja Popups–in total it’s about $325 worth of premium plugins based on the going rates.

Pearl is a very reasonable price for what you get, and you’ll have to spend less moving forward. 

Get started with Pearl today, and forget about limitation. 

#6 – TinySalt Review — The Best for Food Blogs

Tiny Salt Theme

For as popular as food blogs are, they can be tricky to create if you are using a multi-purpose theme. 

You can do it, for sure, but it’s going to take a lot more work. And it’s probably not going to come out as well as if you had just started with a WordPress theme built specifically for food blogs..

TinySalt is just that. It’s got every feature and formatting capability you need to blog in this space. 

Where a recipe would be difficult to get the formatting correct with an ordinary WordPress theme, TinySalt gives you turnkey options to produce this niche type of content immediately.

Breakdown your most complicated dish into a series of simple steps. Include photos where you think it will help. Add a button early in the post to let readers jump straight to the recipe.

And you don’t have to spend any time getting all of this to flow on your blog. TinySalt has 12 demos you can import to your website. Mix and match to deliver the exact experience you are looking for.

Tiny Salt Theme Preview

Readers can quickly search through your recipes with a convenient filter, or browse your beautiful blog. When they find one they like, they can print, rate, and share them with their friends on social media.

If they decide against a certain meal, your blog can automatically recommend related recipes at the end of a post.

Don’t let the Tiny in the name fool you, this theme is packed with potential. You get:

  • 32 blog variations
  • 10 post templates
  • Recipe videos
  • Unlimited colors
  • 900+ fonts
  • Featured recipes slider on your homepage

All TinySalt is missing is your recipes and imagination.

TinySalt starts at the low cost of $39 for a regular license. Future updates and six months of premium customer service is included at that price. Ongoing support is available if you need it.

At that price, it’s not hard to turn a profit with TinySalt, even if it’s just a side-hustle for now.

You’ll be able to see your own products with WooCommerce, or promote items through advertising and affiliate marketing. It’s also compatible with MailChimp, which means you can turn your food blog into a newsletter to build your subscriber base.

Eliminate the complex configuration that goes into food blogging and take your site to the next level. Stop cooking with the wrong equipment and get TinySalt today.

#7 – ConsultingWP Review — The Best for Promoting Your Business

ConsultingWP Theme

I really like ConsultingWP for businesses that want their blog to make a splash.

Whether you are looking to make connections for providing services, or to get your brand out to the world, this is an empowering WordPress theme for business blogs.

You get tools to build that anyone at your company can use on day one. You’re not going to have to hire out a professional or lean on a single person in-house to keep everything looking great.

Never touch code and never compromise on the finished product.

Simply browse through the hundreds of templates offered by ConsultingWP, find the one you like, and begin importing it. You’ll have complete control over what plugins and options you want to bring over to your new blog.

From there, you can customize the blocks, fonts, headers, layout, and so on on. Instead of having to mess around editing PHP or CSS files, everything is a few clicks.

Up to this point, what I’ve described is a very good WordPress theme for blogs, but where ConsultingWP steps away from other easy/powerful options is the business-focused feature set.

One of the most useful is the Cost Calculator Builder, which lets clients price out your services on your blog. Instead of having to call for a quote (which can be a tricky step to get people to take) people can investigate on their own using the simple calculator.

ConsultingWP

Normally, creating an interactive form like this would take some serious effort. And, if you wanted to make changes to your pricing, it might be a hassle to get it right.

With ConsultingWP, you have full control over this simple feature. Run promotional pricing without worrying it’s going to break your site and confuse potential clients.

Some of the other fantastic built-in elements include:

  • eRoom Zoom meetings and webinars
  • Professional booking for appointments
  • 100+ page templates
  • 500+ theme options
  • Customizable menus
  • Events manager
  • 24/7 customer support

For businesses, the all-in-one feature set is really attractive. I mean, you can do all of this with a hodge-podge of third-party plugins, but there is zero guarantee they are going to work well together. At best, you’d have a lot of maintenance to keep things running smooth without slowing your site to a crawl.

With ConsultingWP, on the other hand, businesses get a toolkit that’s been designed to work in harmony. This means less work for better results.

Starting at $59 a regular license, this is a great deal. Trying to match the feature set by downloading individual plugins would be far more expensive and frustrating.

A regular license comes with six months of premium customer support. You can choose to extend support for an additional cost.

If you are looking for a professional blog that establishes your business as a leader in your space, I highly recommend ConsultingWP.

What I Looked at to Find the Best WordPress Theme

Now that you know our seven best theme recommendations, it’s important to understand what matters.

Make the right decision by following these considerations.

Know Your Blogging Niche

It sounds self-explanatory, but it’s relevant when choosing the perfect theme. Today we looked at the seven most common blogging niches, and how each theme suited for those niches is different.

When choosing a theme, you must know your blogging niche because you don’t want to install TinySalt if food blogging is your focus. Different niches require different themes with distinct features, layouts, and designs.

I would suggest creating a list of your most passionate hobbies and start there.

Customization is Key

Having a customizable theme is crucial for an easily-navigated blog.

It’s okay if you are not interested in investing money into your blog. However, many free themes have limits on customizing, whether for headers, colors, or layouts.

Every theme on this list is customizable to some extent, some more than others, so it’s important to look into the nitty-gritty before installing.

Features

Every theme listed here today has some incredible features that work best for its particular niche. However, some themes have more unique elements than others, and it’s critical to weigh whether you need them.

Paid themes are more likely to have more unique elements, such as Olsen with the Instagram footer widget, and the premium plugins that come free with Pearl.

If you know you won’t need an Instagram footer, it’s best to keep your money in your pocket.

Some basic features that are imperative for most blogs include:

  • Custom colors
  • Site logo
  • Flexible display
  • Classic menu
  • Widgets

So, make sure you look for these when installing any theme.

Conclusion

Running a successful WordPress blog isn’t easy. Having the right theme helps a lot.

Here’s the complete list of my top recommendations:

  1. Olsen – Best for lifestyle and fashion blogs
  2. Extra – Best for most standard blogs
  3. Newspaper – Best for breaking stories
  4. Akea – Best for minimalist style
  5. Pearl – Best corporate WordPress theme
  6. TinySalt – Best for food blogs
  7. ConsultingWP – Best for promoting your business

Extra is a great all-in-one blog solution that’s going to cover most people. No matter what direction you take, you’re always going to get the latest features to experiment and engage your audience.

Some of my recommendations work really well in particular niches, like Olsen and TinySalt, whereas others play to a certain style. Akea favors minimal content with maximum impact, whereas Newspaper is going to give readers dozens of posts to read at every turn.

ConsultingWP and Pearl are safe bets for any business blog. I’d lean toward the former if you are looking for something sleek for your company, and toward the latter if your blog is part of a more complex site.

What matters most, of course, is what you do with your WordPress theme. Even the best products can only get you so far. Check out my guide on how to get your blog posts to rank in Google’s top 10 search results.

Hope this helped. Happy blogging!

How to Choose The Right Local SEO Agency

Statista says 52 percent of global internet traffic is mobile. A third of all mobile searches on Google are local. Microsoft says the same thing — 53 percent of mobile searches on Bing have local intent.  This is pretty big on its own.  Then we see data showing that local searches are growing 50 percent …

The post How to Choose The Right Local SEO Agency first appeared on Online Web Store Site.

The post How to Choose The Right Local SEO Agency appeared first on ROI Credit Builders.

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New comment by susan_truss in "Ask HN: Who is hiring? (November 2019)"

Truss | Software Engineer, User Experience Designer | San Francisco or DISTRIBUTED| https://truss.works

* For one of our projects, we are seeking Engineers with experience working with React and Typescript, if you have this experience please highlight it in your submission.

Truss solves complex technical problems for the private sector and government. We helped rebuild Healthcare.gov after its public failure in 2013. We seek the highest standard both in terms of the technology we build, and the way we run our company. We’d love to chat with you.

We are a software consultancy known for pragmatism, autonomy, expertise, and trust. We build strong relationships with our clients, contractors, and employees and we believe that this is fundamental to doing great work. As a Truss engineer you will facilitate bringing Truss values (https://truss.works/values/) to those truly trying to make a difference in our government, and enable them to understand what their citizens actually need rather than implementing a perceived solution.

Here are some of the things we care about:
* Great communication! Including thoughtful listening skills, the ability to express complex ideas clearly and succinctly, and the ability to communicate well in writing
* The ability to deal well with ambiguity and act with autonomy
* Technology-agnostic and pragmatic engineering sensibility, focused on solving key problems for the customer, not the tools
* Proficiency in at least one commonly used programming language, such as Python, Ruby, Go, Javascript, Java, etc.
* Experience deploying at least one application that other people use
* Have held at least one engineering position post-education
* Initiative, curiosity, a bias for action, and a problem-solving attitude

We expect all Truss engineers to consistently develop new skills, and cross-train into new disciplines outside of their current areas of expertise.

Check us out at: https://truss.works/ and apply at: https://truss.works/jobs/

Note: Engineer postings will close on Friday 11/22/19 at 5:30pm Pacific
Sr. Software Engineer -> http://bit.ly/truss-sse-hn

Software Engineer -> http://bit.ly/truss-se-hn

Sr. User Experience Designer -> http://bit.ly/truss-ux-hn

How The Best Business Line of Credit Can Help You Grow Your Business

A Business Line of Credit is Like Steroids for Your Business

A business line of credit can be an incredible tool for your business. You don’t want just any line of credit however. You want the best business line of credit for your business needs.

Not all businesses are the same, and not all lines of credit are best for all businesses. Different limits, rates, and terms work better for some than others.

What’s a Line of Credit?

It can help to get a quick rundown of exactly what a line of credit is. The most basic definition is that it is a revolving line of credit, similar to a credit card. You have a limit and continuous access to that limit while making payments only on the portion you use each month.

For example, if you have a $10,000 line of credit, you can use however much of those funds you need each month for whatever you want, unless your lender issues some sort of restriction. If you use $2,000, then when you get your statement you will have to pay $2,000 plus the interest, rather than a payment plus interest on the entire amount of the loan.

If you were to pay $1,000, then spend another $500, you would pay on the $1,500 balance the next month. Your payments change as your balance changes. Just like with a credit card.

Access is most typically granted through checks or a card connected to the line of credit account.

The Best Business Line of Credit vs. Credit Cards

Business owners often ask what the difference is between a line of credit and a credit card, and why is one better than the other? The truth is that in some cases, a credit card may be the better option. This is a choice to make based on several different factors.

The main difference between the two that most borrowers need to know is that a line of credit typically has a lower consistent interest rate.  Also, there are no perks like 0% interest or cash back that you sometimes see with credit cards.

How do I Find the Best Business Line of Credit for my Business?

There are several steps to this process.

1. Consider why you need a credit line.

This is the crux of how you find the best business line of credit for your needs. You have to know your needs. Here are some examples how a business may use a line of credit.

  • Take advantage of a sale on inventory, raw materials, or supplies. This can reduce cost of goods sold and consequently, increase the bottom line.
  • Purchase or repair minor equipment when needed. This would be like a new printer or laptop, not an industrial oven, freezer, delivery truck, or a large machine used in a plant of some sort. Larger equipment would best be purchases with an equipment loan.
  • Bridge temporary cash gaps or continuous, known cash gaps due to timing issues. An example of this would be several bills that are due at the beginning of the month when you know your largest contracts pay at the end of the month. The money is coming, it is reliable, but the bills come due before the money comes. You can pay the bills with the line of credit, then pay off the line of credit when the contracts pay.

Another example of this is a seasonal line of credit for a business that does the majority of its sales during a certain time of the year.  A florist does a large percentage of sales during Valentines day, so a seasonal line of credit can come in handy to bridge the cash gap during other times of the year.

2. Find out what is available.

Shop around with various financial institutions to determine which ones offer the best business lines of credit. You will want to look at factors such as interest rate and credit limit in relation to what you need and can afford.

Check with various types of lenders to get a feel for which ones offer what you need.  Check with larger commercial banks, small local institutions and credit unions, and alternative lenders such as those that operate exclusively online.

how to get a business line of credit

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

3. Know your business credit.

Your ability to get approval for the best business line of credit will be directly related to your business credit. While lenders may also consider income and cash flow, they are going to rely most heavily on your business credit score when making an approval decision about a line of credit.

A lower business credit score does not necessarily mean you can’t get approval, but it could greatly affect your interest rate and credit limit.

Consider signing up for a credit monitoring service that lets you keeps tabs on your business credit and what is affecting it each month. The one offered by CreditSuite.com is easy to use and cost effective.

Once you have a handle on why you need a business line of credit, what is available, and what you may actually be eligible for, you can make a decision as to where you are going to apply and which product you are going to apply for.

Determining which of these lenders is offers the best business line of credit for your business goes back to knowing what you need, who has it, and who will approve you for it.

When Is a Line of Credit Better than a Credit Card?

If you are going to need to make payments, a line of credit is a better option. There reason is pretty simple. The credit rate is almost always lower. The few exceptions are those cards that offer 0% APR for a short period of time.

If you are going to use a credit card to make regular purchases that you are going to pay off immediately, and you qualify for a card with perks such as cash back, then you may find that you can benefit from using a credit card over a line of credit.

An example would be if you wanted to use your business credit card to make your monthly supplies purchase each month and then pay it off in the following month so that you could take advantage of the cash back.

To float a cash flow gap or make significant purchases that you will need pay out over a short amount of time, a line of credit is almost always the best choice.

how to get a business line of credit

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

Where To Find the Best Business Line of Credit

Since most small businesses will have a hard time getting approval from a traditional lender due to poor credit or a lack of sufficient credit history, we found examples of what alternative lenders are offering currently.

Kabbage

Kabbage offers a credit line of up to $150,000 with no credit score required. The catch is that the interest rate is between 32 and 108%1 The business must have been in existence for at least one year. And the business must have revenue of at least $50,000.

Due to the extremely high interest rate, this is really only an option for those businesses that cannot get financing. So that would be due to a low or nonexistent credit score. Plus a business would have to need something immediately. Otherwise, when it comes to interest rates, you can do better.

StreetShares

There is a credit line available here of up to $100,000. It is for those who have a business credit score of at least 600. You must have been in business for at least one year. And you must have at least $25,000 in revenue.

It requires weekly repayment.

Due to the lower revenue requirement, this is a good option for smaller businesses that are okay in the credit department.But they might have trouble meeting higher revenue criteria. Also, the interest rate minimum is lower, with the low end at 9%.

OnDeck

If you have a credit score of at least 500 you can get a credit line of up to $100,000 with OnDeck. There is a $20 per month maintenance fee, and weekly repayment. The interest rate is a little higher here than with those requiring a higher credit score minimum. It ranges from 13.99 to 39.99 percent.

Again, due to the higher interest rate, this should only be an option if you cannot meet the higher credit score requirement.

Lending Club

The credit line on offer from Lending Club goes up to a limit of $300,000. It requires a credit score of 600, at least one year in business, and at least $50,000 in revenue. The repayment term is 25 months. Also, they require collateral for limits over $100,000.

This is a good option for those who meet the requirement. This is because there is a higher limit available with collateral, and the interest rate can go as low as 6.25%. The repayment terms are much friendlier as well.

how to get a business line of credit

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

You Can Find the Best Business Line of Credit for Your Needs

A business line of credit is a great financing option. It offers flexibility that isn’t always available with a term loan. Interest rates are often better than those offers by business credit cards. And with alternative lenders they are an option for most small businesses.  Have you found the best business line of credit for you? We would love to hear about it. Tell your company’s story about when you used the best business line of credit.

 

The post How The Best Business Line of Credit Can Help You Grow Your Business appeared first on Credit Suite.

New comment by rprewitt in "Ask HN: Who is hiring? (July 2019)"

World View Enterprises | Tucson, AZ | Software Engineer | Onsite World View is searching for Software Engineers with embedded (real time, microcontrollers, DSPs), and application (UX/UI, databases, cloud) software development experience. These engineers will apply principles and techniques of computer science, engineering, and project management to the design, development, and test of complex software … Continue reading New comment by rprewitt in "Ask HN: Who is hiring? (July 2019)"