New comment by DonCullen in "Ask HN: Who wants to be hired? (March 2023)"

Location: McMinnville, Oregon

Remote: Yes

Willing to relocate: If it’s to Portland or Salem or the areas around those, yes, otherwise no.

Technologies: PHP, Ruby, NodeJS, MySQL, JS (jQuery, VueJS), CSS (either vanilla or Tailwind), AWS, Docker, Git

Resume: https://linkedin.com/in/doncullen

Email: doncullen@gmail.com

Website: https://doncullen.net

NOTE: I’m profoundly deaf and my native language is American Sign Language. I’m however fluent in written English so I’m able to communicate in any non-verbal channel. If verbal communication is necessary, it’s easy (and free) for me to bring in virtual interpreter to support with the call. Due to being deaf, it’s been incredibly challenging for me to find a job in where the employer is comfortable with me being deaf. The company I work for (ExitGuide) ran out of funds and wasn’t able to secure further investments, so as a result I was given notice that April 7th is my last day of work at the company. I’m seriously anxious and worried because I’m a single dad raising two kids aged 10 and 8 on his own. I’m okay until the end of May thanks to savings and will try to stretch it with help of unemployment benefits, then beyond that, I don’t know. I’m not posting that sob story to guilt trip others into hiring me (although I wouldn’t object to a solid job), I only mention it because I sincerely would welcome advice and tips from those who have been in my position before, so please feel free to email them my way.

New comment by mx2323 in "Ask HN: Who is hiring? (December 2022)"

Coalesce Software | Full Stack Software Engineers & Staff Software Engineers | Remote (Mountain or West Coast Time Zones) | Full-Time | https://www.coalesce.io/

At Coalesce, we are building a data transformation platform for large enterprises. While there are other DAG-based tools in this market such as Matillion, Alteryx, DBT, Airflow, etc, our architecture has been built from the beginning to scale to the needs of large enterprises.

We recently raised a $26M Series A and are looking to grow our engineering team. Our customer list and feature requests keep growing and we need engineers to help us build!

We’ve got the foundations of our product in place and we have many customers that are already using it in production. This year, we’ve invested a lot in our tooling and codebase, and because of this as well as the swelling customer demand I think we are setup to be truly crushing it in 2023.

To give you an idea of what our team works on:

* Our team develops algorithms for managing data warehouses at scale

* Our UI is a fully interactive Directed Acyclic Graph editor that supports interactions at up to 50,000+ objects

* Our CLI and API’s are used by Fortune 500’s to manage and run data analytics processes

We’ve recently brought on many hires from Snowflake and FiveTran as well.

I’ve done multiple successful startups now, and I truly think that now is an amazing time to join our team at Coalesce and be a part of something truly special.

Full Stack Software Engineer – https://jobs.lever.co/coalesce.io/ae173d8b-6ada-456c-aef4-ae…

Staff Software Engineer – https://jobs.lever.co/coalesce.io/bfdeb358-ecba-4e88-b32f-44…

If you think you are a really great fit, please email me at michael.xucoalesce.io and I’ll reach out to you.

Big Changes with WEX Fleet Cards Regarding Personal Guarantees

Wrights Express, or WEX,  is a universal fleet fuel card provider associated with a number of stations across the U.S. They offer a number of fuel card rewards programs and benefits designed to cater to a business’s specific needs and gas station preference. 

Historically, they have also been one of the only credit issuers that a company could get a business credit card from without a personal guarantee. Unfortunately, this is no longer the case.

WEX Now Requires a Personal Guarantee on Business Fleet Cards 

As of Friday, May 13th, 2022, WEX now requires a personal guarantee on any business credit card they issue. This is a big change that is going to rock the fleet credit world. In fact, it may even be the biggest change with the most impact on business credit in the past 10 years.

What Does this Mean for Businesses?

It’s going to make it hard for a lot of businesses to get a credit card or account to manage company automobiles. Trucking company owners looking to add a business credit card to manage their fleet are going to be hit the hardest. They aren’t the only ones though. Any company that wants to use fleet credit is likely to struggle.

Why Will the WEX Personal Guarantee Requirement Cause Some Business Owners to Struggle?

Before the change, WEX was one of the few fuel card options for business owners that do not have good consumer credit. They could access a WEX fuel card on the merits of their business credit only. Then, they could take care of fleet related expenses using the business credit card regardless of consumer credit.

Approval Based Only On Business Credit History No Longer an Option

Now, this is no longer an option. With the added requirement of a personal guarantee, business owners with bad credit will have a harder time getting the fleet fuel cards that they need.

Why Did WEX Change Their  Personal Guarantee Requirements for Business Credit Cards?

Most business credit cards already require a personal guarantee. There are a select few that do not, and with this change, the number is even fewer

The reasoning behind the WEX decision is that it helps prevent fraud. The addition of a consumer credit check and personal guarantee requirement is thought by WEX to be a way to help prevent fraud.

They see it as a layer of protection for both themselves and the small business owners they serve with business credit cards. Of course, in the end, this policy reduces risk for WEX and increases personal risk and personal liability for business owners. This is because by definition, a personal guarantee means if the business defaults, the business owner is responsible for the debt.

How Big Of An Impact Will This Change Have on the Ability to Get a Business Credit Card for Fuel?

Honestly, it’s big. Just to give you an idea, here is a list of brands affected in addition to WEX’s own brand.

WEX Associated Fuel Card Brands

  • 7-Eleven
  • 76®  
  • Chevron and Texaco  
  • Circle K
  • CITGO
  • DK
  • ExxonMobil  
  • GetFleet
  • Gulf
  • Irving Commercial 
  • Kum & Go
  • MAPCO
  • Marathon
  • Maverik
  • Meijer
  • Murphy USA
  • Phillips 66®
  • QuikTrip
  • RaceTrac
  • Royal Farms
  • Sheetz
  • Shell  
  • Sinclair
  • Speedway  
  • Stripes
  • Sunoco
  • Tesoro
  • Thorntons
  • Valero
  • Wawa

As you can see from this list, the ripples caused by this monumental  change are far reaching. Add in the fact that often this type of credit card isn’t just for fuel purchases, and the impact is even larger. Sometimes they aren’t even limited to purchases at gas stations. In addition to fuel purchases, many fuel cards can be used to pay for fleet maintenance, car washes, and even snacks at gas stations.

What Can You Do?

The big question, if you fall into the rather large category of those needing to access business credit fleet fuel cards that do not have the best consumer credit, is what now? Well, now is the time to double down on both business credit and consumer credit.

Build Credit for Your Business

Building business credit is more important than ever. That’s because if you do have great company credit, your consumer credit may not weigh as heavily into the approval decision.

Business Credit Can Help With More Than Approval

Beyond that, it can affect the terms, limits, and rates you receive. A consumer credit score that is just okay along with a great company credit score is going to do a lot better than two just okay scores. This is true with most any credit card for businesses, not just fleet fuel cards.

Business Credit Still Matters

Whatever you do, do not let business credit go by the wayside simply because consumer credit is now going to come into play when you apply for a WEX fuel card.

The stronger it is, the more likely you are to get approval for WEX fleet fuel cards, and any other credit card for your business for that matter, even if your personal credit is lower than those who make approval decisions would like.

Still, it may be harder to get fleet fuel cards initially, before you have established business credit, if your consumer credit does not meet the WEX requirements for a personal guarantee.

WEX is Still Useful for Building Credit For Your Business

It’s important to note that WEX is still one of the few credit card providers for businesses that report to the business credit bureaus.

That means their fleet fuel cards are still useful not just for managing cash flow and expenses, but also for building business credit.

You just have to be more aware of your personal credit and ensure your company credit is as strong as possible before you apply for a fuel card from them.

Can You Still Access Business Gas Cards?

Yes! There are still options for Business Fuel Credit Cards without a personal guarantee, it may just require a little additional work to get there. You need to build business credit in the fastest, most effective way possible. That’s where Credit Suite can help.

Not only can we help you build your credit for your business, but we can also help you find the best business credit cards and accounts for your specific needs.

The post Big Changes with WEX Fleet Cards Regarding Personal Guarantees appeared first on Credit Suite.

New comment by happppy in "Ask HN: Who wants to be hired? (May 2022)"

Location: Islamabad, Pakistan

Remote: Yes

Willing to relocate: Yes

Technologies: JavaScript, TypeScript, ReactJS, NodeJS, NestJS, ExpressJS, MySQL, PostgreSQL, Redis, Git, socket.io, GraphQL

Résumé/CV: https://www.linkedin.com/in/ahmad-raza1/

Email: ahmdrzalifa [at] gmail [dot] com

Hi, I am a full-stack developer with around 5 years of experience building secure and scalable web applications. I have worked on various applications like CRM, management systems, live bidding applications, and e-commerce stores and currently working in food vertical in a major ride hailing company in MENAP region.