Author: Sandra Moorman

New comment by nikkwong in "Ask HN: Who wants to be hired? (May 2024)"

Location: Seattle Remote: yes Willing to relocate: maybe Technologies: Python, JS/TS, front-end, rust, C++. Moderate level of knowledge in Ml Ops, Data Science & NLP. CI/CD, Docker, GCP, sql/psql, etc. Expert in design/figma/css. Email: nikkwong0@gmail.com
Website: www.nikkwong.com

Resume: docs.google.com/document/d/1VijR1MF6xDNzH9IPrsv2UxLeC8sZ8nSF2Eux7lkuYQ8

Ex-FAANG. I’ve spent my recent career leading engineering teams of 10+ to ship world class products. Expertise in managing product timelines, overseeing architectural design/implementation, & keeping companies ahead of their competition. As an IC, I love to dig deep into technical problems, ship products with full autonomy/ownership, and make products look beautiful (see some old work at www.beaver.digital).

I have been getting wonderful offers from great companies but am still on the job market because I suffer from an unfortunate health condition that makes my sleep rather erratic. My working efficiency is still exceptional, energy levels are great, and my output is the best it’s ever been, but I sometimes start work as late as 10:30am pst which is unacceptable for most companies. Anyways, if this won’t be a problem for your team I’m happy to hear from you. I’ll be happy to make accommodations for you if you’re willing to make this one for me.

I’m excited to hear from you! 🙂

New comment by vaxr in "Ask HN: Freelancer? Seeking freelancer? (November 2022)"

SEEKING WORK | Italy / Worldwide | Remote Only I will fix your React app for FREE! Here’s how it works: – We set up a free 30 minute consultation call. – You show me your problem and how it affects your business. – I do my best to resolve it on the spot. Note … Continue reading New comment by vaxr in "Ask HN: Freelancer? Seeking freelancer? (November 2022)"

Mariners sweep the Blue Jays powered by Carlos Santana's two home runs

The Seattle Mariners sweep the Toronto Blue Jays behind Carlos Santana’s big day as they win their eighth game in a row and have climbed back into a playoff spot

The post Mariners sweep the Blue Jays powered by Carlos Santana's two home runs appeared first on Get Funding For Your Business And Ventures.

The post Mariners sweep the Blue Jays powered by Carlos Santana's two home runs appeared first on Buy It At A Bargain – Deals And Reviews.

How to Boost Domain Authority: Checking and Improving This Key Site Metric

Domain authority (DA) is one of the most important factors in evaluating a website, and it’s a metric search engines use to determine a website’s quality and relevance.

To determine a site’s domain authority, the metric counts the number of links from high-quality websites to a particular domain.

When you understand your domain authority, you see how your site compares with competitors. The higher a site’s authority is, the more visible you are, which can factor into SEO. Of course, that extra visibility has advantages. Most notably, your site’s ranking on the first page, searchers are more likely to find you, leading to increased awareness and conversions.

  • Let’s dive into this metric and some tips for picking the perfect domain authority score checker for your business.

What is Domain Authority?

Domain authority (DA) is the number of relevant backlinks to your site that come from other reputable sites. The relevance of those backlinks also contributes to your domain authority score.

SEO company Moz created the Domain Authority metric to help businesses figure out where they may rank on search engine results pages (SERPs).

It estimates a page’s possible ranking via several channels, “including linking root domains and the number of total links, into a single DA score. This score can compare websites or track the ‘ranking strength’ of a website over time.”

Perhaps you’re wondering what domain authority means for your website? Well, have you ever noticed how some brands look authoritative without trying? This is because the keywords that naturally exist on their websites carry some weight.

For example, movie site IMDb has a high DA because relevant keywords are naturally integrated throughout the site. Secondary related keywords are also prevalent.

Simply put, when you know which terms give your site authority, you can optimize your site better.

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However, it’s not just about keywords. The better your backlinks are, the better your chances of increasing your DA.

It’s a logarithmic scale that determines your ultimate domain authority score. This means solo metrics won’t always increase or decrease the score to the same degree. The more important a metric is, the greater effect it’s likely to have.

Why Should I Care About Domain Authority?

Although Google doesn’t use domain authority in its rankings, there are still some great reasons to work on this area. For example, a high domain authority score:

  • means that your website is likely to rank well in the SERPs. This can result in more clicks and leads for your business.
  • indicates your website is authoritative and trustworthy. This can help you attract more customers and generate more sales.
  • means that Google and other search engines are more likely to index your site more frequently.

Research also backs up the benefits of a high DA. For example, a study by Ahrefs found a correlation between domain authority and SERP ranking.

According to the results of this study, domain authority may be a useful metric to estimate how much organic traffic you may receive from Google.

What does this survey mean for website owners?

It means you should think about improving your domain authority strategy if you want to grow your SEO rankings. Nonetheless, remember that developing authority takes time, so don’t worry if you don’t see results right away.

What is a Good Domain Authority Score?

Domain authority scores range from one to 100. When you have a greater domain authority score, it’s more likely you’ll see increases in web traffic and SERP rankings.

When you debut a new website, its domain authority is one. Moz points out that sites with many external links are usually higher when it comes to DA, while small business sites and those with fewer inbound links generally have a lower DA score.

A strong gauge for your site is to measure it against other comparable or similar sites. Remember, though, your domain authority can fluctuate over time, and with so many moving parts, identifying the reasons behind these changes can be challenging.

Moz highlights several factors that can influence your score.

  • The Moz index hasn’t seen your link profile growth yet.
  • Higher-authority sites experience massive growth in link numbers, which may skew the scaling process. This kind of fluctuation may more significantly impact domain authorities on the lower end.
  • You may also have earned links from sites that don’t contribute to ranking on Google. If Moz crawls a different amount of link domains than it did last time it went through your site, results may be affected.

How Can You Raise Your Domain Authority Score?

There are several things you can do to improve your website’s DA score.

  • Conduct a link audit: This process involves making sure that links to your website are valid and don’t include black-hat SEO tactics. Try Ubersuggest to get insight into your domain score, the current number of backlinks, and referring domains.
  • Backlinks, which are links from other websites to yours, affect SEO rankings—though not all backlinks are equal.
  • Build an audience: you can do this by publishing high-quality content relevant to your target audience, participating in industry forums and blog commenting, and guest posting on other websites.
  • Optimize your website: make sure your website is optimized for search engine visibility. Use keyword-rich titles and descriptions for your pages, and include keywords in your URLs. Add social media buttons to your website so that visitors can share your content with their friends and followers.
  • Use a tool: Our free backlink tool, Backlinks, gets you started. Among other things, it shows you which sites are linking to your competitors rather than to you and its various filters make it easy to assess which opportunities are best suited to your needs.
  • Get help from a professional: Finally, if you want to take more aggressive steps to improve your Domain Authority score, you can invest in SEO services or hire an SEO expert to help you out.

It’s also beneficial to search for local directories or “best-of” lists, like Google My Business, as these all help to build authority.

How Do You Check Your Domain Authority?

There are several link authority tools out there. How do you know which one is right for you? Here are a few tips:

  • Look at the tool’s features. Is it something that will help you achieve your goals?
  • Read round-up review posts to see the features and pricing at a glance, and narrow down your choices.
  • Is the tool user-friendly and does it integrate with other apps/tools you use?

Here’s a selection of tools for getting started with your search: SEO Review Tools has a basic domain authority checker and it gives you a social media score relating to how active your social profiles are and how many shares your content receives.

The tool bases authority on backlink quantity and quality, and measures other metrics like website age and social media score. Finally, SEO Review Tools measures page authority. This metric is like Domain Authority, except it looks at a specific page rather than entire sites. Page authority also uses a one-to-100 logarithmic scale.

For testing several sites at once, Linkgraph’s Free Bulk DA Checker may be the perfect option. This tool allows you to check DA and spam metrics for up to 10 URLs at a time.

Semrush has an extensive list of tools as well, including a backlinks checker, SERPtracker, and social media marketing.

Then there’s Moz, which has a comprehensive free domain SEO analysis tool. It showcases top pages by links, discovered and lost links, top linking domains, and keywords by estimated clicks.

For example, when you search for the domain authority of neilpatel.com on Moz, it shows it’s 90, and there are 106,400 linking domains (i.e., backlinks). There are also over 229,000 keywords for which the site ranks, and the spam score is 1%.

The tool then breaks down the site’s most important pages according to page authority and other top-linking domains. You can also find:

  • top-ranking keywords
  • keywords by estimated clicks
  • top featured snippets
  • branded keywords
  • and more.

You can then take the competing domains and plug them into a bulk checker like the ones noted above, and see a breakdown of competitors using your keywords.

Of course, you can also find some of this information using Ubersuggest as well.

How Do You Integrate Your Domain Authority into Your SEO Strategy?

Once you know your domain authority score and the factors influencing it, what should you do next?

  • Start with backlinks. You want to give other sites a reason to link to yours. If you specialize in something unique or offer a new option for a product or service, that could be a great start. Work to provide better information on your niche than your competitors do.
  • It may also be wise to collaborate with small businesses with whom you could forge mutually beneficial partnerships.
  • Reach out to companies with whom you already have relationships, too. See if there are ways you can support each other’s online presence. Swapping testimonials is just one of the many tactics you could employ.
  • You should also explore your existing content for opportunities to add links. For example, if you mention a coffee shop, link to their website. If they’re monitoring their web traffic, they’ll see you linked to them and may feel inclined to return the favor.
  • Of course, you want to make sure all the backlinks you receive are of high quality. It’s better to have a few quality backlinks than a ton of ineffective ones.
  • Guest posting on other sites may also help get your name and site out there. However, some sites are better suited for this than others. When assessing which blogs to guest for, check if their links are “follow” or “nofollow.” This may impact how much value the link has, though all links will help users get to your website, so also think of links as a branding and referral traffic tool as well.

You should also look at their DA and PA for target pages, how long their posts are, and who their audience is. If their goals aren’t similar to yours, guest posting may not be worth the time.

This aspect of growing your domain authority overlaps with your content marketing strategy. Most companies now have blogs or similar outlets on their websites—so, if you don’t, consider starting something like this.

The more content you create regularly, the more likely you are to rank.

FAQs

What is domain authority?

Domain authority is a metric created by Moz to determine how reputable and authoritative a domain is. It takes a lot of factors into account, including backlinks, traffic, and more.

Why is my domain authority so low?

A low domain authority can stem from a number of reasons. One possibility is that your site has not been around for very long, and therefore does not have as much history or as many links as more established websites. Another possibility is that your site’s content is not relevant to your target audience. If you are trying to rank for a keyword that has no relevance to your business, you may have difficulty achieving a high domain authority.

How long does it take to increase domain authority?

How long it will take to increase your domain authority depends on a number of factors, including the competitiveness of your industry, the quality of your website, and its content. However, if you put in the hard work, you could see significant improvements in your domain authority within six months to a year.

What is website authority?

Website authority is simply another name for domain authority, the metric Moz developed that predicts how well a website will rank in SERPs.

How to increase domain authority fast?

More backlinks and better traffic can help increase domain authority. It’s important to focus on being a great resource for users.
There are a few things you can do to increase your website’s domain authority quickly. First, make sure your website is well-optimized for search engines. Second, build high-quality backlinks from reputable websites. And finally, continue to produce great content that people will want to share.

How do I check my domain authority?

Go to Moz’s domain authority checker tool to determine the number of your current domain authority.

How often should I check my domain authority?

Usually, once a month is a good cadence to check your domain authority.

Conclusion

Domain authority may seem complicated at first. Many factors contribute to your ranking, and analyzing them all may seem daunting.

Nevertheless, once you get the hang of DA, it’s worth monitoring and optimizing for it.

Adding this to your SEO toolbox may allow you to have a more comprehensive understanding of your overall digital presence and website health.

Have you had success in improving your domain authority? Tell us in the comments.

New comment by Harsimran1 in "Ask HN: Who is hiring? (May 2022)"

NALA | Senior Backend Engineer (Go) | Remote (GMT to EAT time zones) | Fintech | YC W19

We are an African payments company (https://www.nala.com/our-story) that just raised $10m from top VCs to transform Payments on the African continent and are on a mission to increase economic opportunity for Africans worldwide .

We’re looking for a Senior Backend Engineer to become a part of the core Engineering team at Nala and be our guiding light in architecting the product as we take on some interesting product challenges in our target to acquire 50K paying customers by end of this year:

– Develop own infra for sending payments across countries

– Drive customer FX rate down to zero

– We serve 5 countries at the moment – help us build infra to serve 12 countries by the end of this year

– Multicurrency wallet and P2P

.

If you love taking product ownership and have hands-on experience building highly reliable and scalable backend services from scratch for a tech product, we’d love to speak with you.

Brownie points if you’ve worked in Fintech, Payments, Crypto currency space. 😀

Our Tech Stack: Go, AWS, ECS, gRPC, Dart, Flutter, Postgres, kafka, redis, vault, Terraform

Apply here: https://apply.workable.com/j/A03DB89286/

We’re also hiring for Senior Mobile Application Engineer (Flutter): https://apply.workable.com/j/E6D10B4980/

P.S. Any questions, you can connect with me: https://www.linkedin.com/in/harsimrancheema/

Recent Business Credit Questions: Can Business Credit Ease Inflation?

Your most recent business credit questions have been weighing on our minds. So, let’s talk about that — and inflation. There’s more of a connection than you may think. What better place to start than at the beginning?

Basic Business Credit Questions

Here are answers to some core business credit questions that the others build on. 

What is Business Credit? 

Business credit is credit in the name of the business. Every business owner should work to establish business credit and build a credit history. 

There are a few reasons for this. First, it protects your consumer credit. Trying to make business purchases on personal credit can have a negative impact. The truth is, that’s the case even if you make your payments regularly and on time.

What Can Business Credit Do for Small Business Owners?

Creating a business credit profile means both your business and you can have a separate score. As a result, your ability to purchase a home or car will not be affected by your business expenses. Furthermore, your ability to get funding for your business will be less affected by your personal financial situation.

Your consumer credit report will have information on payments made, or missed, to your company’s creditors. The more positive history you have, the higher your score will be with whichever credit bureau the lender decides to use.

Why Should Business Owners Want to Have Business Credit Separate From Their Personal Credit?

With a separate profile, small businesses can get approval based on the financial health and well-being of the small business. Whether it is a business credit card, a line-of-credit, or a loan, approval will not be impacted as much by your personal finances. With business credit, it’s a truly separate credit score versus personal credit.

This not only makes it easier to get funding for your business, but it can open doors for you to get even more funding. For example, with a strong business credit profile, you are open to a higher limit and lower rates on a business credit card, lines-of-credit, and even vendor credit. Often, you can get these things despite bad consumer credit and without a personal guarantee.

Do Business Entities Matter When it Comes to Business Credit?

Absolutely—all business entities are not created equal. A sole proprietor can end up being personally liable for business debts. But in a business that is incorporated with its own tax ID, the owner’s personal assets are less likely to be on the line in case of default.

In addition, lenders want to see that a business is a separate entity from its owner. For that to happen, a business needs to have a Fundable™ Foundation. And that requires incorporating.

What Does a Small Business Owner Need to Do?

To have a Fundable™ Foundation a business must be set up a certain way. For example, you need to incorporate. A sole proprietorship or even a partnership doesn’t work so well for Fundability™.

You also need to have a name for the business that is consistent in all places, and that doesn’t warn of a high risk industry. So, “Bob’s” is better than “Bob’s Gas Station.” And, if it is “Bob & Joe’s,” do not list it as “Bob and Joe’s” somewhere else. Yes, even something as tiny as an ampersand can cause a problem.

Then, get an EIN and a D-U-N-S number. The EIN is like a Social Security Number for your business. You can get one for free on the IRS website. The D-U-N-S number is an identifying number you need to get in the Dun & Bradstreet system. You can get this number for free as well from their website.

A separate business bank account in the name of the small business is also necessary. Keeping business funds and personal funds separate is a good idea anyway. It makes tax time easier for sure. However, some credit providers make it a requirement for approval as well.

It’s also important to have a professional business website. The URL should have the name of the business if possible, and get a business email address that has the same URL as the website.

What Do Business Credit Bureaus Look for When Calculating Scores on a Business Credit Report?

A credit report will show a company’s pay history, even for items as seemingly inconsequential as office supplies. The exact way a score is calculated depends on the specific credit bureau. They each use a different formula.

Dun & Bradstreet is the largest and most commonly used business credit bureau. That’s why getting a D-U-N-S number is so important. You cannot be in their system without one.

That said, Equifax, Experian, and FICO SBSS are also used often. Generally speaking, the main factor that comes into consideration for the score on each of these reports is payment history. However, Experian and FICO SBSS use your personal score in the calculation of your business score. It’s not just about business credit card payments.

Inflation Related Business Credit Questions: What is Inflation?

According to Investopedia, “Inflation is a decrease in the purchasing power of money, reflected in a general increase in the prices of goods and services in an economy.”

In essence, your money does not go as far as it used to. This is true for all businesses, whether it’s a new business, a sole proprietorship, a partnership, a type of corporation, or an LLC.

How Does Inflation Affect Many Small Business Owners?

In business life, companies may find their business customers are looking to spend less. As a result, annual revenue can go down. It makes sense that customers may not want to be personally responsible for as much debt.

Business Credit Questions Connecting Inflation to Business Credit: How Do Inflation and Business Credit Relate to Each Other?

Many lenders and credit card companies will check your credit when deciding how much credit to extend or how large a small business loan they should approve you for. It can affect the interest rate you pay, too. Without business credit, a lender will only be checking consumer credit, as that’s all you’ve got to offer. And if that credit score isn’t so good, you won’t get much. You’ll get a lower credit limit (if they extend credit to you at all), and any potential lender may charge higher interest rates.

How Does What’s on Your Business Credit Report Affect Approvals?

If your funds aren’t going as far as they used to, then you might want to lean on business loans. But you’re less likely to get a business loan if you haven’t built your company’s credit profile. And forget about qualifying for an SBA loan.

If owners cannot meet a lender’s credit requirements, then companies may have few choices. One option is an alternative lender. A small business owner may find they are paying a higher interest rate for a lower credit limit or business loan amount when it comes to alternative loan options however. Alternative lenders, though a helpful loan option to have, are notorious for higher rates.

During an inflationary period, that means such less favorable credit terms put even less money in an owner’s pocket.

Business Credit Questions for Hard Times: How Can Small Business Owners Help Their Businesses Better Weather Inflation?

Of course, the best thing small businesses can do is build business credit. Building a credit history with the business credit bureaus means setting up your business properly.

That includes building the Fundable Foundation mentioned earlier. Then, establishing business credit history with the credit bureaus. Build your business credit profile with an eye toward helping your small business get better credit terms and qualify for business loans. Doing so can help you manage funds and cash flow in a more efficient manner.

A Business Should Get Accounts With Vendors to Start

These are vendors for items which a business uses all the time, like office supplies. It’s a lot easier for a business to get credit accounts with one of these companies early on. Some may even offer a card, making it possible to get a first credit card in the name of the business. Even a secured business credit card will help, so long as it reports to at least one of the business credit bureaus.

Businesses Should Act Now to Pay Less Later

Inflation isn’t going away any time soon. Building credit for a business as soon as possible will help in the future. If inflation gets any worse, you’ll pay more anyway. Why not at least try to minimize that?

Business Soundness Doesn’t Necessarily Help Raise a Business Credit Score, But it Does Help a Business Get More Funding When They Need It

Companies that add working capital now can convert it into more annual revenue when they invest in better equipment or more inventory prudently. And even a new business can have its own business accounts. This is true even when small businesses are fighting inflation.

Business Credit Questions Relating to Personal Credit: Why Not Just Use a Personal Credit Card for Business Financing?

For one thing, credit approval amounts tend to be higher for a typical business card versus a standard personal credit card.

Your Personal Credit Score Would Plummet

On a personal report, the debt ratio affects your score. That is, the amount of credit you are using relative to the credit you have available to use. Since consumer credit limits are typically lower than business credit card limits, and business expenses are higher, your balance can stay close to your limit even when you may make regular, on-time payments.

In turn, your debt-to-credit ratio stays higher than what lenders like to see. Ideally, it will be less than 30%. Anything higher will have a negative impact on your personal report. This ratio does not affect a business credit profile the same way.

Other factors that affect your consumer report include credit mix and any inquiries on. But for both your business and personal credit score, payment history is a big part of the credit calculation.

Limits on a Business Credit Card Tend to Be Higher Than Those for a Personal Credit Card

To get more funding for a business, small business owners would do well to use a credit card for their businesses. They tend to be more flexible than small business loans, because of their revolving nature. In addition, many of them have 0% interest rates you can take advantage of, as well as rewards programs. Just be sure to choose rewards programs relevant to your business needs.

When You Build Business Credit, Your Pay History on a Business Loan Should Stay Off Your Consumer Credit Report

With a separate business credit profile, you won’t get an inquiry on your consumer credit. Inquiries impact your consumer score negatively, but this is not true of a commercial score. So, separating the two keeps your business finances from affecting your ability to get personal loans. In addition, in some cases it can help you get a loan for your business without a personal guarantee.

What About Using a Personal Guarantee? Won’t That Affect a Personal Credit Score?

If a business owner needs a small business loan immediately but can’t get it any other way, then offering a personal guarantee can be a smart choice. But don’t just offer a personal guarantee if you can help it. It can affect your personal credit report. Even a new business should be able to establish a credit profile and build a credit score without always giving up a personal guarantee.

What Else Can Business Credit Do for Small Businesses?

Even when inflation is on the rise, a separate credit profile increases the chance of loan approval for a business. That doesn’t mean the personal report will be ignored. However, if the business has a good credit score, loan requests are more likely to be approved. It can’t hurt the interest rate either.

Credit Suite Can Answer Your Business Credit Questions

Rising inflation means business owners need more funds. In contrast, getting a loan at times like this is even harder than normal. On the lender side, they have to be much more careful with loans to reduce risk. In general, their risk is higher because borrowers do not have as much disposable income.

Credit Suite can answer your business credit questions. We can help you meet the guidelines a lender sets to meet loan requirements. We walk you step by step through the foundation building process. Then, we help you find the perfect vendors for your business, so you can buy the things you need for your business while building your profile with the bureaus.

Not only that, but we keep our finger on the pulse of the industry. We can often anticipate business credit questions before they are even asked. Due to our lender relationships, we are able to follow the patterns a lender may follow, and keep up with which ones are lending more at any given time. In short, we help increase your chance for loan approval by helping you find the right lender and loan product that best meets your needs. 

The post Recent Business Credit Questions: Can Business Credit Ease Inflation? appeared first on Credit Suite.

Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox?

We all have tools. I’m not just talking about hammers and nails. We have kitchen tools, lawn care tools, tools we use in the office, even tools we use to care for our pets and our children.  Business owners have tools they use for many things, including managing finances. Is Divvy a tool that business owners need in their toolbox? Let’s find out.

Find Out If Divvy Is Right For Your Business

There are a number of money management tools on the market. We’re digging in with Divvy to find the good, the bad, and the ugly so you can make an informed decision for your business.

What Divvy Is, and What It Isn’t

What is Divvy? At its core, it is an expense management system. In fact, it was recently acquired by Bill.com, due to the fact that Bill.com had an increasing number of customers looking for help with money management.

Check out how our reliable process will help your business get the best business credit cards.

It is designed to help businesses manage their business finances by integrating with accounting systems and helping them control spending in a streamlined manner. That is what Divvy is.

It is not meant to be a business funding option on its own. It does offer a charge card option that allows for business funding, and even helps build business credit. However, it’s purpose is to be another spending management tool.  If it were a hammer, this card would be the backside that pulls the nails out. You buy a hammer to hammer nails. The other side is useful, but generally you don’t use a hammer simply to pull nails. It works for that, but that is not it’s main purpose.

Money Management Tool

They offer a lot of great money management products for managing spending, expenses, and accounts payable. The system allows you to see transactions in real time, and send funds in seconds via mobile or desktop.

You can also issue cards to employees, either virtual or physical cards, and give them direct access to funds with a spending limit you set. This not only cuts down on expense reports, but also helps with budget management. That is the main purpose of the card.

The system currently integrates with Quickbooks Online and Oracle Netsuite.  Integration with Xero and Quickbooks Desktop is coming soon.

On the accounts payable side, you can seamlessly receive invoices, get approvals, and send payment by either ACH, check, or virtual card. It’s truly an easy and innovative way to streamline processes and manage spend. However, there is currently a waitlist for accounts payable services.

Building Business Credit

So, what’s the deal with Divvy and business credit? They do offer a business card. They have more than one way of underwriting so that if you do not qualify with traditional underwriting, they can look at other factors for approval. There is really no elaboration on what these may be.  But, often it is monthly income, time in business, and the like.

So, if you do not qualify for other cards, you may qualify for this one. The main point of the card however, is that it is attached to the Divvy system. That means, if you distribute cards or virtual cards to employees, you can see their spending in real time. It offers business owners more control.

Check out how our reliable process will help your business get the best business credit cards.

They report positive payment history to  the Small Business Finance Exchange. That means this card does help you build your business credit score, because the SBFE reports information to Dun & Bradstreet.  Since only 7% of companies that offer credit to businesses actually report positive history, this is big.  One of the largest obstacles to building business credit is finding accounts that will report positive history.  Most only report missed payments.

The thing about business credit building is, one account reporting is just not enough. Your business has to be set up properly to be fundable to begin with.  Also, you need a lot more accounts that will report before you have a business credit score at all.  That in itself is a challenge. This is where a program like the Credit Suite Business Credit Builder can be helpful, because it walks you through the process of setting up to be fundable, finding accounts that will report, and applying for them at the right time so that you actually qualify.

Divvy’s Online Reputation

If you look at online reviews, you are going to get a mixed bag. Most of the negative reviews and complaints come from those looking for a business credit card.  They are not looking for money management services. Those looking for money management services seem to be pleased.

It does appear that maybe they are not clear on a lot of things, or at least they do not make the information easy to find, pertaining to how the card works and rewards. For example, one complaint was that this is a charge card, not a credit card.  That means the balance must be paid in full each month. This would explain why there is no interest rate information, as there is no interest since the card carries no balance.

After a lot of digging around I did confirm that the Divvy card is a charge card used to pull against a line of credit.  It is not a credit card, and therefore you cannot carry a balance. This information was definitely not easy to find on the website, and they refer to the card as a credit card multiple times.

Check out how our reliable process will help your business get the best business credit cards.

Another complaint noted that card rewards are not earned unless you use at least 30% of the credit line. I could not verify this. There is no mention of it that I could find. That doesn’t mean it isn’t there, but it certainly is not out front information.

There were many positive reviews from those who were using the service mainly for money management.

They have a D+ rating at BBB.org. However, the fact that the business is only 3 years old and there are only a handful of reviews and complaints, skews this grade. People are much more likely to report negative experiences to the Better Business Bureau. Any negative report is going to bring the grade down very quickly.

It’s important to note also that the company did respond to the complaints and worked to make them right if they were in the wrong.

What’s the Final Word on Divvy?

This is a new company, and it appears to be making its way well among the new-ish niche of money management options.  They offer what appears to be smooth integration with common accounting systems.  Their charge card allows for spend control and options for managing cash flow.  It is an added bonus that they report on-time payments to your business credit profile.

In conclusion, this is a great tool for money management. One major reason for this is that they can help you build credit for your business.  If you are looking for a money management option for your business tool box, it’s a solid choice. Apply for Divvy now. If you are mainly looking for a business credit card, you may be better off with something else.

The Credit Suite Business Credit Builder can help you position your business to qualify for all the funding you will ever need, and help you find the best vendors for your business at the same time.  Sign up for a free business credit consultation today.

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