Etleap (YC W13) Is Hiring a Customer Success Manager

Who is Etleap? Etleap’s mission is to transform the way businesses drive analytics projects. We started Etleap out of frustration with the exorbitant amounts of engineering work required to set up, maintain, and scale data pipelines for analytics. Our vision is to make it simple for analytics teams to quickly and securely connect the data …

The post Etleap (YC W13) Is Hiring a Customer Success Manager first appeared on Online Web Store Site.

New comment by jozem in "Ask HN: Freelancer? Seeking freelancer? (November 2020)"

SEEKING WORK | EU/AU/US | Remote

Technologies: Android, Kotlin Multiplatform Mobile, Java, SwiftUI

Résumé/CV: https://zemberi.com/josip-zemberi-CV.pdf

Email: josip@zemberi.com

Website: https://zemberi.com

I do Android development, remotely, as a freelance contractor.

For clients outside Europe, I adjust my core working hours to the timezone of the team.

My recent work includes:

– jDay | Solo side-project app, built 100% in Kotlin, on Kotlin Multiplatform stack: https://play.google.com/store/apps/details?id=app.jday

– MOIA | Ride-sharing app developed in a cross-functional team: https://play.google.com/store/apps/details?id=io.moia.neptun…

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The Best Blogging Platforms (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission. Whether you want to become a blogger for a big-time news publication, share your independent thoughts online, make millions as a blogger, or something in between, it all starts with a blogging platform.  And … Continue reading The Best Blogging Platforms (In-Depth Review)

Get Better Financing with Funding Circle Reviews

Looking for Funding Circle reviews? We took a look at this alternative lender to see if the information we had on them is still true. Welcome to Funding Circle reviews.

Funding Circle is one of several lending companies in the online space. They have loaned over $11.7 billion, with over 4.9 million loans under management. They work as a peer to peer lender.

In the US, Funding Circle leads the Marketplace Lending Association, along with LendingClub, Prosper, and Sofi.

Funding Circle Reviews: Background

Funding Circle is online here: www.fundingcircle.com/us/. Their physical addresses are in San Francisco, Denver, London, and Berlin. You can call them here: (855) 385-5356. Their contact page is here: www.fundingcircle.com/us/about/contact/. They have been in business since 2010.

Funding Circle Reviews: Their Borrower’s Bill of Rights

Funding Circle has a business borrowers’ Bill of Rights, here: www.fundingcircle.com/us/business-borrower-bill-of-rights/

It says:

  1. The Right to Transparent Pricing and Terms 

You have a right to see the cost and terms of any financing you are offered in writing and in a form that is clearcomplete, and easy to compare with other options, so that you can make the best decision for your business.

  1. The Right to Non-Abusive Products 

You have a right to loan products that will not trap you in expensive cycles of re-borrowing. Lenders’ profitability should come from your success, not from your failure to repay the loan according to its original terms.

Borrower’s Bill of Rights Continued

  1. The Right to Responsible Underwriting 

You have a right to work with lenders who will set you up for success, not failure. High loss rates should not be accepted by lenders simply as a cost of business to be passed on to you in the form of high rates or fees.

  1. The Right to Inclusive Credit Access 

You have a right to fair and equal treatment when seeking a loan.

  1. The Right to Fair Collection Practices 

If you are unable to repay a loan, you have a right to be treated fairly and respectfully throughout the collections process. Collections on defaulted loans should not be used by lenders as a primary source of repayment.

Funding Circle Reviews: SBA 7(a) Loans

At Funding Circle, you can borrow anywhere from $20,000 to $5 million from the SBA. Loan terms run for up to 10 years. Pay an interest rate of prime +2.75%. as of the writing of this blog post, that is 6%.

There are no prepayment penalties. 

Fees

Funding Circle will charge a one-time origination fee on each loan they fund. This amount ranges from 3.49% to 6.99% of the approved loan amount.

Funding Circle Reviews: Qualifying for an SBA 7(a) Loan with Funding Circle

Small businesses which meet the below criteria are eligible to apply for an SBA 7(a) loan:

  • In business for more than 3 years
  • At least $500,000 in annual revenue
  • No federal tax liens
  • 680 FICO for personal Guarantor
  • Positive book value (assets > liabilities)

Qualified Industries

Because these are SBA loans, Funding Circle must conform to the SBA’s requirements when it comes to industries. Therefore, they cannot lend to these industries:

  • Speculative real estate
  • Nonprofit organizations
  • Weapons manufacturers
  • Gambling businesses
  • Marijuana dispensaries
  • Pornography

Funding Circle Reviews: COVID-19 Relief

As a part of working with the Small Business Administration, Funding Circle offers their COVID-19 relief, in the form of the Paycheck Protection Program.

Funding Circle Reviews Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

Funding Circle Reviews: More Information

Apply online, and a personal account manager will reach out to you within one hour. They will ask about your business and request and collect documentation. They will decide on your loan in as little as 24 hours. 

If you accept a loan offer, you can get funding in as little as one business day. You can return for more funding in as little as six months.

If your monthly payment is more than 10 days late, they may charge a late fee of up to 5% of each missed payment amount. The late fee will be payable immediately and is in addition to the missed payment.

They will place your loan into default if you miss three or more consecutive payments, four out of six monthly payments or do not comply with your loan agreement.

Funding Circle Reviews: Advantages

So the advantages include no prepayment penalty. There are also relatively fast decisions and funding. In addition, the Borrowers’ Bill of Rights is encouraging. The maximum rates you could pay are within reason.

Funding Circle Reviews: Disadvantages

So what are Funding Circle’s disadvantages? It should be obvious: fees, fees, and more fees. They are for origination, missing payments, and also for insufficient funds. 

An Alternative to Funding Circle

Of course one great alternative to Funding Circle is to build business credit. But how do you do that? Fortunately, we have the method right here. And we’re more than happy to let you in on the secret.

Corporate credit is credit in a small business’s name. It doesn’t connect to a business owner’s personal credit, not even if the owner is a sole proprietor and the only employee of the business. Accordingly, an entrepreneur’s business and personal credit scores can be quite different.

The Advantages

Because small business credit is separate from individual, it helps to protect a small business owner’s personal assets, in the event of legal action or business insolvency. Also, with two separate credit scores, an entrepreneur can get two different cards from the same vendor. 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 disappointment. But building business credit, when done the right way, is a plan for success.

Individual credit scores rely on payments but also other components like credit usage percentages. But for company credit, the scores actually only hinge on whether a company pays its bills in a timely manner.

The Process

Growing small business credit is a process, and it does not happen automatically. A corporation must proactively work to establish corporate credit. Having said that, it can be accomplished readily and quickly, and it is much more efficient than establishing individual credit scores. Merchants are a big part of this process.

Performing the steps out of order will cause repetitive denials. 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 denial 100% of the time.

Company Fundability

A business needs to be fundable to loan providers and vendors. For this reason, a business will need a professional-looking website and e-mail address, with website hosting bought from a supplier like GoDaddy. And company phone and fax numbers need to have a listing on ListYourself.net.

In addition the business telephone number should be toll-free (800 exchange or the like).

A corporation will also need a bank account devoted strictly to it, and it must have all of the licenses necessary for running. These licenses all must be in the specific, correct name of the company, with the same company address and telephone numbers. Bear in mind that this means not just state licenses, but possibly also city licenses.

Funding Circle Reviews Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

Working with the Internal Revenue Service

Visit the IRS website and acquire an EIN for the small business. They’re totally free. Choose a business entity such as corporation, LLC, etc. A business can start off as a sole proprietor but will probably want to change to a kind 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 entrepreneur is it when it comes to liability and tax obligations. Nobody else is responsible.

If you operate a business as a sole proprietor at least file for a DBA (‘doing business as’) status. If you do not, then your personal name is the same as the corporate name. Hence, you can find yourself being personally responsible for all small business debts.

In addition, per the Internal Revenue Service, with this structure there is a 1 in 7 possibility of an IRS audit. There is a 1 in 50 possibility for corporations! Avoid confusion and significantly decrease the odds of an IRS audit at the same time.

Note: any DBA filing should be a steppingstone to incorporating, which is best for building business credit.

Starting Off the Business Credit Reporting Process

Begin at the D&B web site and obtain a free D-U-N-S number. A D-U-N-S number is how D&B gets a business in their system, to generate a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s websites for the corporation. 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 activity to report on.

Trade Lines

First you must establish trade lines that report. This is also called 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 begin getting revolving store and cash credit.

These varieties 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 creditors who will give you initial credit when you have none now. Terms are often Net 30, versus 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, such as within 30 days on a Net 30 account.

Details

Net 30 accounts must be paid in full within 30 days. 60 accounts must be paid in full within 60 days. Compared to with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.

To launch your business credit profile properly, you need to get approval for vendor accounts that report to the business credit reporting agencies. Once that’s done, you can then make use of the credit.

Then pay back 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 minimal effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

You want 3 of these to move onto the next step, which is revolving store credit. 

Accounts That Don’t Report

Non-Reporting trade accounts can also be helpful. While you do want trade accounts to report to at 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. And credit accounts of any sort ought to help you to better even out business expenses, thus making financial planning simpler. These are providers like PayPal Credit, T-Mobile, and Best Buy.

Revolving Store Credit

Once there are 3 more vendor trade accounts reporting to at least one of the CRAs, move onto revolving store credit. These are businesses which include Office Depot and Staples.

Use the business’s EIN on these credit applications.

Fleet Credit

Are there more accounts reporting? Then move to fleet credit. These are companies such as BP and Conoco. Use this credit to buy fuel, and to repair and maintain vehicles. Make certain to apply using the small business’s EIN.

Cash Credit

Have you been sensibly managing the credit you’ve up to this point? Then move onto more universal cash credit. These tend to be MasterCard credit cards. Keep your SSN off these applications; use your EIN instead.

If you have more trade accounts reporting, then these are in reach.

Funding Circle Reviews Credit Suite

What frustrates you the most about funding your business during a recession? Check out how our guide can help.

Monitor Your Business Credit

Know what is happening with your credit. Make sure it is being reported and deal with any mistakes ASAP. Get in the habit of checking credit reports and digging into the specifics, and 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 data is incomplete.

Disputing Errors

So, what’s all this monitoring for? It’s to challenge any mistakes in your records. Mistakes in your credit report(s) can be corrected. But the CRAs usually want you to dispute in a particular way.

Disputing credit report errors typically means you send a paper letter with copies of any evidence of payment with it. These are documents like receipts and cancelled checks. Never mail the original copies. Always send copies and retain the original copies.

Disputing credit report errors also means you precisely spell out any charges you contest. 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 sent in your dispute.

A Word about Building Business Credit

Always use credit smartly! Never borrow beyond what you can pay off. Track balances and deadlines for repayments. Paying off punctually and in full will do more to elevate business credit scores than almost anything else.

Growing business credit pays off. Excellent business credit scores help a business get loans. Your creditor knows the business can pay its financial obligations. They recognize the small business is for real. The small business’s EIN attaches to high scores, and creditors 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.

Funding Circle Reviews: Takeaways

Fees are high at Funding Circle, but at least they’re being transparent about them. Plus, there is no prepayment penalty – but there are late fees. Hence Funding Circle is best for companies which do not need to borrow much and can pay it all back not only on time, but early. Borrowers which need more time to pay a loan back would probably do better elsewhere.

Finally, read the fine print and do the math. Therefore, go over details carefully. And decide if this option will be good for you and your company. In addition, consider alternative financing options beyond lending. This includes building business credit, to best get the money you need. Funding Circle reviews should be just the beginning.

The post Get Better Financing with Funding Circle Reviews appeared first on Credit Suite.

Caught in the Recession Rubble? Build Your Own Empire with a Recession-Proof Self-Employed Business

Wondering how to recession-proof, or social distance proof, your business?  These are unprecedented times. Many business owners are wondering how to get business funding. Federal funding is available, but it may not be enough.  The self-employed are perhaps taking one of the hardest hits, not even sure their business will be around when this is all over. Here’s one tip that could help.  Building business credit can help you establish a recession-proof self-employed business. 

7 Steps to Building Business Credit and Establishing a Recession-Proof Self-Employed Business

Our economy is cyclical, with almost predictable ups and downs.  Recessions come and go. While some feel it more than others, very few go unaffected.  If you are one of the ones feeling the crunch of layoffs and unemployment, try looking at it as an opportunity.  It may not feel like it now, but you can overcome the crunch by starting your own business. This is possible despite what your personal credit looks like. How do you build a recession-proof self-employed business? 

It takes time, but if you follow the steps and trust the process, you could build quite the empire out of the recession rubble.  Take that idea that you have been tossing around and make it a reality. It’s never too late to follow your dreams, and sometimes the harsh realities of a recession are just the kick in the pants needed to get started. 

Once you have your idea in place, it is time to get to work building business credit so your recession-proof self-employed business has a strong foundation. 

1. Kick Your Business Out of the Nest 

It is vitally important to remember to keep your business separate from your personal identity and financing when you want to build business credit when self-employed.  During a recession, your personal credit is even more vulnerable. This is due to the very nature of what often happens to personal finances during a recession. Protect your FICO and keep it from affecting your business fundability.  Do this by establishing your business as a separate entity. It is essential to building a recession-proof self-employed business. 

Incorporate

To have a recession-proof self-employed business, you need to organize your business as a corporation, S-Corp, or LLP. This step is not free, but it is very much worth the cost for a couple of reasons.  The first is that it makes building business credit possible by further establishing your business as its own entity.  

The second is that it offers some protection for your personal finances from the liabilities of the business.  You can choose to form as a corporation, anand S-corp, or an LLC. Choose the one that is the most cost-effectivecost effective for your purposes.  They each offer different levels of protection and have different tax regulations associated with them, but they all serve the purpose of separating your business to help build business credit when self-employed. 

When it comes to a recession-proof self-employed business, you should think harder about the cost versus the benefit of greater liability protection.  While forming a full-on corporation isn’t for everyone, during a recession the benefit of personal protection from business liabilities can be even greater. 

Get an EIN

We are a nation run on numbers. We use numbers for virtually everything, including identification. People have social security numbers, driver’s license numbers, PIN numbers, and a number of others in our daily lives. To build business credit, your business needs to have its own identifying number not attached to you. 

The IRS can issue an EIN, which is the business equivalent of an SSN. It is free via the IRS website and an important first step in separating your business from yourself. 

Recession Proof Self Employed Business Credit Suite

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Contact Information

Your business needs its own telephone number, fax number, and address. A virtual address is fine, but don’t rely on a P.O. Box or UPS Box. An 800 number or some other toll-free exchange is best, and be sure to get a business listing in the directories.

Online Image

Set up a dedicated email for your business as well as a professional looking website. Even the most solid of businesses will look like a farce to creditors if they check it out and the website is poorly put together. It doesn’t have to be elaborate, but it should be free from errors, all links should work, and it should be professional in appearance. The same is true of an email address that is simply joebusinessowner@gmail.com. The business email address needs to reflect that it is specifically for the business.  Something like “businessname@businessURL.com” is more professional. 

2. Keep Up with the Numbers

Ditch the shoebox for an actual accounting system. It doesn’t have to be expensive or hard to use. QuickBooks Online is a solid go-to, and there are plenty of other options as well. This will help you when lenders need to see reports, as you can just run them from the system.

Along these same lines, be sure you have a separate bank account for your business, and use it to keep business finances separate from personal finances. Pay yourself a salary from this account, but do not use your personal account for business expenses or your business account for personal expenses. 

While this does not directly build business credit, it does further establish your business as a separate entity and allows you to offer creditors a more accurate business financial picture.  It can also help recession-proof your self-employed business by helping you to see where you stand and make adjustments if needed before you get into trouble.

3.Apply for a D-U-N-S number

Once the first two steps are complete, you need to sign up for a free D-U-N-S number from Dun & Bradstreet. While they are not the only business credit reporting game in town, they are probably the most commonly used by creditors. Building business credit with them is vital, and to do that, you must have a D-U-N-S number.

When you sign up for the number, they will try to sell you other products and services. Put on blinders and keep moving forward. None of those things are necessary, and the number is totally free. Having a credit score with Dun & Bradstreet, called a PAYDEX, requires both a D-U-N-S and at least three tradelines reporting. It is impossible to have a PAYDEX without a D-U-N-S number.

4. Get on Record

It is also impossible to have a credit score of any type, from any credit reporting agency, without creditors that will report your payments. This is where it gets dicey. You have to have credit to build your credit score. How do you do that? Can you even get credit without a credit score?  How do you get credit when creditors are holding on to their funds tighter than ever during a recession?  

If you build your recession-proof self-employed business before the downturn, you are golden in this area.  It’s hard, but not impossible.

Establish Tradelines

This is where you start.  Establish tradelines with starter vendors. These are vendors that will issue invoices with Net 30 terms or longer. While you may need to make a few initial purchases with these vendors to establish yourself as a customer before they will extend these terms, there is no personal credit check. They do sometimes want to see a certain amount of time in business, however. 

As you pay the invoices consistently and on-time, these vendors will report your payments to the credit reporting agencies, thus establishing your business credit profile. Some of the most common and easiest to start with are Uline, Quill, and Grainger

These are the easiest to start with simply because they sell products that most any business can use on a daily basis. Items such as paper, toner, pens, pencils, packing supplies, and even janitorial supplies. After you order from them a few times, apply for net 30 terms, pay on time, and watch your business credit score start to build like a snowball rolling downhill.

Once you have 8 to 10 tradelines reporting your on-time payments to the credit agencies, you can start to apply for various business credit cards. This is where the “recession-proof” part of a recession-proof self-employed business really starts to build.

Order Matters When Applying for Business Credit Cards

Once you start to build a good business credit foundation with starter vendors, you can apply for business credit cards.  However, you have to work in order. If you start applying for the highest limit, lowest interest rate credit cards right away, you will be denied every time. 

First, apply for store cards.  These are credit cards you get from a specific store that you can use only in that store.  They typically have low limits and higher interest rates, and they are limited to use either in the issuing store or on their website. 

Next, after you have a few of these cards reporting, try applying for fleet credit cards.  These cards can only be used for gasoline costs and automobile repair and maintenance.  

Lastly, once you have several of these reporting on-time payments to the business credit reporting agencies, you should be in good shape to apply for those cards with lower rates and higher limits that are not restricted by retailer or type of expense. 

As you can see, it all starts with building trade lines with starter vendors. Then a whole credit world opens up to you!  You just have to apply to each type of card in order.

Recession Proof Self Employed Business Credit Suite

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Ask Utilities to Report

The more businesses you have reporting to the credit agencies that you make consistent, on-time payments each month, the faster you will build business credit when self-employed. Everyone has to pay utilities, even during a recession.  Creditors care about you making consistent, on-time payments, and payments to utilities count. They are an easy way to start building business credit once you have a credit profile, but you have to ask them to report. They are not required to do so.   

Remember, you will still need tradelines.  They are necessary to accomplish the task of having at least three accounts reporting and a D-U-N-S to establish your credit profile with them in the first place.  Adding utilities will just help the process move faster. 

5. Use the SBFE to Help You Build Business Credit When Self-Employed 

The SBFE, or Small Business Finance Exchange, is a not-for-profit entity. It gathers data on small businesses from lenders that are SBFE members. They then use this information to create credit products that lenders can use to make credit decisions.

One of the characteristics of a recession-proof self-employed business is that the credit information about it is positive and available to lenders.  They can help with that. 

How Does it Work? 

They use what they call a “give-to-get” model. Members release information about those they extend credit to. In return, members are able to receive information through the SBFE which can help them make future credit decisions. 

It all starts with SBFE members reporting payment history and other information about borrowers. Then, the SBFE normalizes the raw data into usable data. This data goes to partners called certified vendors.  Some credit agencies, including Dun & Bradstreet, are certified vendors.

Certified Vendors then use the information from the SBFE to create credit reporting products that only other SBFE members can access.  

Members have access to the data since they also contribute information.

How Can They Help You Build a Recession-Proof Self-Employed Business? 

When you do business with SBFE members, you know your information is being reported. This means you are building business credit. How do you know if your lender or vendor is a member? Ask them. If they are not, consider mentioning that they become a member. However, there are enough members that it should not be difficult to find plenty of them to do business with.  Just be certain you are making your payments on time, consistently. Otherwise, you will be doing more harm than good.  

6. Keep An Eye on Things

Once you have a D-U-N-S number and some accounts reporting, you will want to keep an eye on your credit report. Credit monitoring serves a couple of different purposes for your recession-proof, self-employed business. 

The first purpose is to, of course, ensure your credit report is accurate and complete. If there is missing or incorrect information on your credit report, you will need to get it corrected. Request corrections in writing, and send copies, not originals, of backup documentation. 

The other reason it is important to monitor your credit is so you know which accounts are reporting, how many accounts are reporting, and when you qualify to start applying for credit in higher tiers. You need at least 14 accounts reporting to get approval at the cash credit tier, and you will never know if you have that if you are not monitoring your credit score. 

You can also watch your score rise. This is powerful motivation and confirmation that your business may indeed be recession-proof. The easiest way to do this is with a credit monitoring service.

7. Pay on Time

None of the steps you take to build business credit when self-employed will matter at all if you do not make your payments consistently on-time. While this is not the only factor in your business credit score, it is the one with the most impact. Whether or not you make your payments each month, on-time, is the number one factor that creditors use to determine your fundability. 

Since it is a recession, you will need to be careful.  Even the most recession-proof self-employed business can get into trouble.  You need to obtain credit and use it, but do not overload yourself to the point you cannot make the payments.  Find a responsible balance. 

What Does Building Business Credit Have to Do with Building a Recession-Proof Self-Employed Business? 

There are a couple of ways building business credit can help you with both your personal finances and business finances during a recession. 

Protect Your Personal Credit

Building business credit is essential to business success. Without business credit, your ability to fund your business relies totally on your personal credit. If you have great personal credit you may not think that is such a big deal. 

It means, however, that your business financial issues can impact your personal credit as well. This is bad in the best of times but even worse during a recession.  Limits on personal credit cards are not as high as those on business cards. That means just by the nature of business transactions you may always carry a balance near your limits. 

If that happens, it will affect your debt to credit ratio negatively, which in turn negatively impacts your credit score even if you are making your payments on time. If your business has its own credit, this is not a problem. Limits are higher, so you have more credit to work with, and regardless, it doesn’t affect your personal credit. 

Recession Proof Self Employed Business Credit Suite

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Access Funds to Build Your Business

Solid business credit gives you access to the funds you need to run your business. You can handle any issues that come along.  Even those that require cash outlays larger than what your cash on hand can handle comfortably. 

Imagine having access to the funds needed to not only run but also to grow your business, even during a recession.  A business that can thrive and grow during hard economic times is the very definition of a recession-proof self-employed business.   Building business credit makes that possible. 

You Can Build Business Credit with a Recession-Proof Self-Employed Business

If you are caught in the recession rubble, consider it the perfect opportunity to make all your entrepreneurial dreams come true.  If you want to build the best recession-proof business possible, these tips will help you. To get started, you simply have to separate your business from yourself. Once you have it established as a separate entity, you can get to work applying for tradelines that will report your payments to the credit agencies. From there, if you follow these steps, your business credit score will help you build your empire out of the rubble.

The post Caught in the Recession Rubble? Build Your Own Empire with a Recession-Proof Self-Employed Business appeared first on Credit Suite.

Retool (YC W17) hiring engineers, designers, developer relations, etc. in SF

Hi — we’re Retool (https://retool.com), a fast way of building internal tools. We launched on HN around a year ago (https://news.ycombinator.com/item?id=17725966).

We’re a small team based in Hayes Valley, San Francisco, CA.

Business-wise, we’re profitable, growing revenue quickly, and well-capitalized. (We recently raised a Series A from Sequoia. Other investors include technical founders, including Paul Graham, John + Patrick Collison, Nat Friedman, Greg Brockman, etc.)

Culture-wise, we’re a small group who enjoys solving problems and working hard. We work closely with customers, and iterate quickly. We spend our days typically either writing code or talking with customers.

The market for custom enterprise apps is huge. And we think that we have a promising shot at capturing much of it: we have a product that works, that customers love (go talk to any customer!), and whose usage is growing rapidly.

We’ve significantly de-risked the business (e.g. have significant revenue, have a good amount of paying customers, have raised $20M from Sequoia, are profitable, etc.). But there’s plenty of stuff to figure out as well. For example:

    - How can we quickly ship new products while keeping current customers happy? 

    - How do we design the UI/UX for a new programming environment? 

    - How do we concisely explain what Retool is, without a 4 minute demo video (https://retool.com)?

We’re hiring for many roles, including engineering, sales, developer relations, customer support + success. We think you’d be a good fit at Retool if you enjoy:

    - building things,

    - deciding what to work on, independently, and

    - getting things done + managing yourself

If you’re interested, please email me at david@retool.com. Thanks!


Comments URL: https://news.ycombinator.com/item?id=21141901

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New comment by naturalcycleshn in "Ask HN: Who is hiring? (September 2019)"

Natural Cycles – Full Stack Engineer – JavaScript. Stockholm, Sweden. ONSITE – VISA

We are the first FDA cleared birth control app and our mission is to improve women’s reproductive health with technology, research and passion.

We are looking for a full stack engineer who is experienced and flexible enough to own our whole account infrastructure.

We offer:

– Competitive Stockholm salaries

– Gender balanced tech department

– Data centric decision making

– Meaningful work with social retribution

– Passionate colleagues ranging all the way from dogs to ex-CERN scientists

– Contributing directly to our US expansion strategy and execution

– Assistance to move to Sweden

– Private pension

Please visit us at https://career.naturalcycles.com/jobs/258958-fullstack-engin…