Delays will play havoc with federal Electoral College deadlines. Entire states could be disenfranchised. The post Mail-In Voting Could Deliver Chaos appeared first on ROI Credit Builders.
How Being Fundable Helps You Get the Best Business Loans
Everyone wants the best of the best, and it should be no different when it comes to business loans. However, you may need to change your thinking about what actually makes the best business loans the best.
Build Fundability So You Can Get the Best Business Loans
For example, do great terms make a loan one of the best? Could it be low rates? These things are awesome. However, the best business loans are the loans you can get. Of course, you can look at the cream of the crop. Still, if you cannot access them, they will not do you any good. You need to know what the best business loans are that you can access. Furthermore, you need to know how to gain access to those that are even better.
Find out why so many companies use our proven methods to get business loans.
What Makes a Loan One of the Best?
Fortunately, U.S. News helps us out by outlining the best business loans in various categories. When compiling their list, they consider such factors as product availability, terms, and service ratings.
Best Business Loans for Borrowers with FICO Credit Scores as Low As 530
BlueVine takes the prize in this category. The minimum loan amount available from them is $5,000 and the maximum is $100,000. Annual revenue must be $120,000 or more and the borrower must be in business for at least 6 months. Personal credit score has to be at least 600. It is also important to know that BlueVine does not offer a line of credit in all states.
They report to Experian. They are one of the few invoice factoring companies that will report to any business credit bureau. This helps build business credit and in turn, fundability.
Best Business Loans for Up to Five Year Loan Terms
The winner in this category is Funding Circle. Honestly, if you’re looking for a low APR, then this is your go-to. They have fixed rate term loans and require a credit score of 620 or above. There is no minimum revenue requirement, but they do require you to be in business for at least 2 years.
Best Business Loans With No Collateral Required
OnDeck offers lines of credit and term loans with fixed interest rates. You can get up to $500,000 with a term loan. The minimum FICO they require is 600. In addition, you must have $100,000 minimum annual revenue and be in business for at least one year.
Best Small Business Loans for Up to $1 Million
With a large selection of financing products that includes term loans, Rapid Finance can be a great option for larger amounts. In addition to term loans, they offer bridge loans, healthcare cash advances, and lines of credit. Terms are from three to six months. Amounts range from $5,000 to $1,000,000. Unfortunately, they do not make their minimum credit score readily available on their website. However, you can use their quote tool to get an idea of what you qualify for.
Best Business Loans for Borrowers In Business for 6 Months or More
StreetShares offers invoice financing, term loans, and lines of credit. The number of years in business requirement is one. They require less minimum annual revenue than the others at only $25,000. The minimum credit score is 600.
The key with each of these loans is, your ability to get them is dependent on the fundability of your business.
What is Fundability?
Fundability is, in short, the ability to get funding. It is the complete picture of your business and personal financing and your ability to repay debt. If you think of fundability as a puzzle, there are hundreds of pieces that come together to complete it. The problem is, a lot of business owners cannot see the complete picture because they are unaware of what additional pieces may be floating around out there.
Also, unlike a puzzle, the pieces are not all the same size. Some are very large, while others are smaller. If your large pieces are in great shape, the smaller ones may not matter so much. If, however, your large pieces, like credit history, are not so great, the smaller pieces can make a much bigger difference in your ability to get the best business loans.
What Makes Up Fundability?
What are these puzzle pieces and how can you make sure they are in the best possible shape? Hold on to your hats. Some of these may surprise you.
Contact Information
That’s right. Even something as small as your contact information can affect the fundability of your business. Your business needs to have its own phone number, fax number, and address.
EIN
An EIN is an identifying number for your business that works in a way similar to how your SSN works for you personally. You can get one for free from the IRS.
Incorporation
Incorporating your business as an LLC, S-corp, or corporation is necessary to fundability. It lends credence to your business as one that is legitimate. It also offers some protection from liability.
Business Bank Account
You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of business finances. Also, it will help you keep them separate from personal finances for tax purposes.
Additionally, there are several types of funding you cannot get without a business bank account. Many lenders and credit cards want to see one with a minimum average balance. Also, you cannot get a merchant account without a business account at a bank. As a result, you cannot take credit card payments. Studies show consumers tend to spend more when they can pay by credit card.
Licenses
For a business to be legitimate and fundable it has to have all of the necessary licenses it needs to run. If it doesn’t, warning signals are going to go off all over the place. Do the research you need to do to ensure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels.
Website
Your business website, or lack thereof, can affect your ability to get funding. In fact, these days, if you don’t have an online presence you may as well not even exist. Still, a poorly put together website can be even worse. Truly, it is the first impression you make on most. If it appears to be unprofessional, it will not look good to consumers or potential lenders.
Spend the time and money necessary to ensure your website is professionally designed and works well. Pay for hosting too. Don’t use a free hosting service. Similarly, your business needs a dedicated business email address. Make sure it has the same URL as your Website. Don’t use a free service such as Yahoo or Gmail.
Find out why so many companies use our proven methods to get business loans.
Business Credit Reports
Much like your consumer credit report does for the individual, business credit reports detail the credit history of your business. Basically, they are a tool to help lenders determine how credit worthy your business is.
Where do business credit reports come from? There are a lot of different places, but the main ones are Dun & Bradstreet, Experian, Equifax, and FICO SBSS. You have no way of knowing which one your lender will choose. So, you need to make sure all of these reports are up to date and accurate.
Other Business Data Agencies
In addition to the business credit reporting agencies that directly calculate and issue credit reports, there are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. These two agencies gather data from a variety of sources, including public records. This means they could even have access to information relating to automobile accidents and liens. While you may not be able to access or change the data these agencies have on your business, you can ensure that any new information they receive is positive. Enough positive information can help counteract any negative information from the past.
Identification Numbers 
In addition to the EIN, there are identifying numbers that go along with your business credit reports. You need to be aware that these numbers exist. Some of them are assigned by the agency, like the Experian BIN. One, however, you have to apply for. It is absolutely necessary that you do.
Dun & Bradstreet is the largest and most commonly used business credit reporting agency. Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website.
Business Credit History
Your credit history is the crux of your credit score, which is a huge factor in the fundability of your business.
It includes a number of things like:
- How many accounts are reporting payments?
- How long have you had each account?
- What type of accounts are they?
- How much credit are you using on each account versus how much is available?
- Are you making your payments on these accounts consistently on-time?
The more accounts you have reporting on-time payments, the stronger your credit score will be.
Business Information
On the surface, it seems obvious that all of your business information should be the same across the board everywhere you use it. However, when you start changing things up like adding a business phone number and address or incorporating, you may find that some things slip through the cracks.
This is a problem because a ton of loan applications are turned down each year due to fraud concerns simply because things do not match up. Maybe your business licenses have your personal address but now you have a business address. You have to change it. Perhaps some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the correct information?
The key to this piece of the business fundability puzzle is to monitor your reports frequently.
Financial Statements
First, there is the obvious. Both your personal and business tax returns need to be in order. Not only that, but you need to be paying your taxes, both business and personal.
Business Financials
It is best to have an accounting professional prepare regular financial statements for your business. Having an accountant’s name on financial statements lends credence to the legitimacy of your business. If you can’t afford this monthly or quarterly, at least have professional statements prepared annually. Then, they are ready whenever you need to apply for a loan.
Personal Financials
Often tax returns for the previous three years will suffice. Get a tax professional to prepare them. This is the bare minimum you will need. Other information lenders may ask for include check stubs and bank statements, among other things.
Find out why so many companies use our proven methods to get business loans.
Bureaus
There are several other agencies that hold information related to your personal finances that you need to know about. Everyone knows about FICO. Your personal FICO score needs to be as strong as possible. It really can affect business fundability and almost all traditional lenders will look at personal credit in addition to business credit.
In addition to FICO reporting personal credit, you have ChexSystems. In the simplest terms, this keeps up with bad check activity and makes a difference when it comes to your bank score. If you have too many bad checks, you will not be able to open a bank account. That will cause serious fundability issues.
For this point, everything comes into play. Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record? How about liens or UCC filings? All of this can and will play into the fundability of your business.
Personal Credit History
Your personal credit score from Experian, Equifax, and Transunion all make a difference. You have to have your personal credit in order because it will definitely affect the fundability of your business. If it isn’t great right now, get to work on it. The number one way to get a strong personal credit score or improve a weak one is to make payments consistently on time.
Also, make sure you monitor your personal credit regularly to ensure mistakes are corrected and that there are no fraudulent accounts being reported.
Even the Application Process Matters
Often this part isn’t even considered by those looking for the best business loans. For example, consider the timing of your application. Is your business currently fundable? If not, do some work first to increase fundability.
Then, are your business name, business address, and ownership status all verifiable. Lenders will check into it. Also, make sure you choose the right lending product for your business and your needs. Do you need a traditional loan or a line of credit? Would a working capital loan or expansion loan work best for your needs? Choosing the right product to apply for can make all the difference.
Increase Fundability to Get the Best Business Loans
How do you get the best business loans? You need to know how to find the best business loans for your specific business needs. Make sure your fundability is as strong as possible. Pay bills on time, work on building business credit, and make sure to dot all your i’s and cross all your t’s. Do these things, and most all business loans will be yours for the taking.
The post How Being Fundable Helps You Get the Best Business Loans appeared first on Credit Suite.
PocketSuite is hiring (engineering, product, customer success, marketing)
Article URL: https://angel.co/company/pocketsuite
Comments URL: https://news.ycombinator.com/item?id=24250357
Points: 1
# Comments: 0
The post PocketSuite is hiring (engineering, product, customer success, marketing) appeared first on ROI Credit Builders.
New comment by r4yan2 in "Ask HN: Who wants to be hired? (August 2020)"
Location: Italy Remote: Yes Willing to relocate: No Technologies: Python, SQL, Javascript, C++, Linux, etc (on resume) Résumé/CV: https://dueacaso.it/about/cv_andrea.pdf Email: on resume
The post New comment by r4yan2 in “Ask HN: Who wants to be hired? (August 2020)” first appeared on Online Web Store Site.
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New comment by r4yan2 in "Ask HN: Who wants to be hired? (August 2020)"
Location: Italy Remote: Yes Willing to relocate: No Technologies: Python, SQL, Javascript, C++, Linux, etc (on resume) Résumé/CV: https://dueacaso.it/about/cv_andrea.pdf Email: on resume
The post New comment by r4yan2 in “Ask HN: Who wants to be hired? (August 2020)” first appeared on Online Web Store Site.
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Kodable is hiring a Game Designer to help us teach millions of kids to code
Article URL: https://angel.co/company/kodable/jobs/925512-senior-game-designer Comments URL: https://news.ycombinator.com/item?id=24264402 Points: 1 # Comments: 0
The post Kodable is hiring a Game Designer to help us teach millions of kids to code first appeared on Online Web Store Site.
New comment by r4yan2 in "Ask HN: Who wants to be hired? (August 2020)"
Location: Italy Remote: Yes Willing to relocate: No Technologies: Python, SQL, Javascript, C++, Linux, etc (on resume) Résumé/CV: https://dueacaso.it/about/cv_andrea.pdf Email: on resume
The post New comment by r4yan2 in “Ask HN: Who wants to be hired? (August 2020)” first appeared on Online Web Store Site.
Here’s What You Should Do When Your Search Rankings Drop
If you’ve ever done SEO, you know how good it feels to see your rankings go up.
You put a ton of hard work into moving up in the SERPs and it finally pays off.
But then the unexpected happens. Your rankings drop.
Few things in SEO are more discouraging than a fall in the rankings. It makes you feel like everything you did was useless.
You wonder what went wrong or if you made a mistake. You beat yourself up for not doing it right.
You’re back to square one again, and you have to start all over.
Or do you?
In my experience, that’s not always the case.
My rankings have dropped more times than I can count. At first, I panicked.
As I learned more, I found out that it’s not the end of the world if you go down a position or two. It’s obviously not ideal, but there’s a lot you can do to fix it.
That’s what I’m going to show you today. Even if your rankings are where you want them to be, you need to be aware of how to bring them back up when they drop (because they will).
Analyze the drop
Before you take action to raise your rankings, you need to track your rankings, ideally on a daily basis so you can see if they are increasing or decreasing.
The reason you want to track your rankings on a daily basis is that Google makes 3200 algorithm changes per year, which is a bit more than 8 algorithm changes per day.
Hence you don’t really have a choice but to track your rankings daily.
So how do you do that?
First, you’ll want to head to the Ubersuggest dashboard and click on “Add Your First Project”.
It’s as simple as adding in your URL.

Then select the locations you do business in and want traffic from.

Then add in the keywords you currently rank for or want to go after.

And of course, set up your traffic preferences. Make sure you select “daily” rank tracking and you turn on mobile rank tracking.

And then you’ll be good to go.
Then you will be notified via email when your rankings go down (or up) as there is no way you are going to have the time to manually check every day.
Or when you log into your Ubersuggest dashboard you’ll see an updated view of your site:

And then when you drill down into your rankings you’ll see a report of what is increasing or decreasing.

Now when looking at your rankings it is normal for them to fluctuate a few spots here or there… but if you see all of your rankings all of a sudden drop, then you know you need to do something.
Did you get penalized?
In most cases, your site has not been penalized and you don’t need to worry about this.
If you didn’t do anything fishy like “buying links” you don’t really need to worry about a penalty.
If you are unsure, read through this list and ask yourself if your site is guilty of any of these SEO sins. If so, identify the problems and take steps to fix them.
Even if you haven’t done anything on that list, you could still have gotten a penalty. Google’s algorithms are updated frequently, and they’re incredibly complex.
They take hundreds of factors into account when considering ranking. One day, your site might not deserve a penalty, and the next, it might.
It’s important to understand the types of penalties: manual and algorithmic.
Source: Slideshare.net
Manual penalties are given out by Google’s webspam team when they get alerted of suspicious activity.
This could be the result of having unnatural links, or someone could have filed a spam report against you.
If you’ve received a manual penalty, you should have gotten a notification in Google Webmaster Tools. Here’s an example of a message about unnatural links:
The other type of penalty is an algorithmic penalty.
These penalties are harder to track because there’s no definitive way of knowing you received one.
To determine if you’ve gotten an algorithmic penalty, you have to understand how Google’s algorithms work.
If you find that you’re doing something an algorithm doesn’t like, there’s a good chance you’ve gotten a penalty. But you also have to think about new penalties.
If your rankings dropped randomly, check Moz’s handy directory of Google’s algorithm updates to see if there’s a new one at work.
A new algorithm could be the reason why you’re seeing lower rankings. If that happens, research the algorithm and find out what it’s penalizing.
One cool way to keep track of new penalties (and a bunch of other Google-related stuff) is to follow Gary Illyes, John Mueller, and Google Webmasters on Twitter.
Gary and John, in particular, give out a ton of awesome advice, and you can often find them talking with other Twitter users.
You can even ask them a question directly and get it answered… you may not get a response, but it is worth a shot.
Do you have link problems?
This is a big one.
Think of links as the currency of SEO. It’s essentially how you “gain” authority.
So it’s no surprise that a strong link profile is correlated with high rankings.
The flipside is that a weak link profile is correlated with low rankings.
I spend lots of time working with clients on SEO, and I’ve seen lots of sites that have numerous link problems.
Usually, the business isn’t aware.
That’s because weak links are the silent killer of SEO. That’s why you need to make sure your link profile is robust.
First, conduct a link audit of your site. Here’s a step-by-step guide on how to do that.
For the short version, use a backlink analysis tool like SEMrush Backlink Checker to see where your bad links are.
When you find bad links, contact those sites and nicely ask them to remove the link. If that doesn’t work, use Google’s Disavow tool as a last resort.
However, I’ve found that about 90% of the time, conducting a backlink audit will help you find bad links.
But there’s a problem here. Often, the reasons behind link problems aren’t so obvious.
If your link profile looks okay after an audit, there could still be problems. Here are a few of the issues your link profile could be facing.
Losing links
Did you know you can lose links? Both internal and external links?
It could be the cause of your ranking drop as well.
Yep, you can lose internal links even if it’s to content you already own.
Let’s talk about those first.
If you often relaunch, rebrand, or redesign your site, you may lose some links along the way.
Why does this happen?
It has to do with redirects and transitioning your site over smoothly.
Let’s talk about site transitions first. If you deleted an old blog post, then links to that post aren’t going to work. In turn, this will weaken the internal linking structure of your site and compromise your SEO.
You’ll have one less link, which is removing a part of your internal linking network.
This isn’t optimal because it means two things:
- You’ll have to fix the link
- You’ll have less content on your site to link to. That’s why I recommend not deleting content unless you absolutely have to. You can always update it.
That’s just one example of a lost link.
Another reason you could lose an internal link is a faulty redirect.
This often happens with 301 redirects. I’ve talked about 301s before, but there’s a unique issue you need to be aware of.
Because a 301 is called a permanent redirect, lots of people assume that the redirect will always work.
But it doesn’t.
Here’s precisely how a 301 redirect works:
If you just set up a new site, you can 301 from the old domain to the new one without a hitch. The issue is when you revamp your site more than once.
That’s because redirects from older versions of a site are rarely passed on to newer ones.
On top of that, if you get a new domain and an older domain expires, it could cause a significant loss in traffic because the 301s will no longer work.
It’s messy.
If you discover a bad 301 giving you problems, you need to fix that.

First, you need to find the target links your 301s are trying to go to.
If those links are dead, you’ll most likely need to remove the link.
You could also put the old content back up or create new content to keep the link on your page. This is a good idea if the page in question gets a lot of traffic.
You need to do what’s best for your visitors. If they’ll miss out on great, comprehensive content, you should make sure that content is still on your site.
You should also check for broken links. You can use a tool like deadlinkchecker.com to do this:
Ideally, you want to see no errors:
But if you do see errors, you’ll be able to see the URLs that aren’t behaving correctly:
But what about outbound links? If you find an outbound link that no longer works, just remove it and replace it by linking to another authority site.
Finally, let’s talk about backlinks you’ve gotten from other sites.
Go here and type in your URL.
If you see your link chart going up and to the right, you are fine. If it is going down, then we have to fix it. For example, using Ubersuggest you can see which sites don’t link to your anymore.
And for those sites, you can use a template like this one to get those links back:
Hi [Name of site owner],
I hope you’re doing well!
You linked to my site a while back, and I want to thank you for that. However, it looks like the link is actually gone.
The link appeared in your [piece of content/page here], but it seems that it’s not there anymore.
Here’s the page on my site you linked to: [Link URL here]
If you could put the link back up, I’d really appreciate it. I’m a big fan of your site, and it’d be my pleasure to return the favor if I can.
Sincerely,
[Your name]
Most people will ignore you, but a percentage of the people you email will link back.
Polish up your site
If all else fails, you might need to spend some time improving your site.
I’m talking about design, user experience, and speed. Each of these is integral to a site that performs and ranks well.
I’ll go over each category briefly:
Design
Having a mobile-friendly design is important as there are more searches on mobile devices using Google than there are for desktop.
If you’re not considering mobile users first, you need to start doing that.
Having a mobile-optimized site isn’t as simple as making sure your site is responsive. That’s definitely important, and you should do that, but it’s not enough by itself.
Think about making all of your content mobile-friendly.
There’s one big reason you should focus on this. Google has a mobile-first index. That alone should be more than enough to persuade you to focus on mobile-first design.
You might want to read my article on mobile usability for more information on this.
User experience (UX)
This is another reason why a responsive design is so important.
Your mobile users should have a great experience that’s designed for mobile devices. Similarly, your desktop users should have a great experience that’s designed for desktops.
If your UX is bad either way, you will lose visitors.
If you take a look at the most popular sites in your niche, you’ll notice that 9 times out of 10, they’ll have great UX.
Say you’re in SaaS. Without a doubt, Salesforce is one of the biggest SaaS players in the niche.
And sure enough, their desktop and mobile UX is fantastic.
Desktop:
Mobile:
This is what you should strive for when polishing your own site.
Speed
Search engines (and people) love fast-loading pages. In fact, 47% of customers expect a page to load in 2 seconds or less.
So if your site speed is longer than 2 seconds, you could lose traffic.
Yikes.
Making your site faster is a long-term strategy. You have to monitor your site and make sure nothing’s dragging it down.
Start by adding compression.
Next, make sure your server has adequate speed. It should be no longer than 200 milliseconds.
You can test your site speed by using Ubersuggest’s “Site Audit” feature. Type in your URL and click “Search.”
From there, click “Site Audit” in the left sidebar and scroll down to “Site Speed.” Here’s what you’ll see:
There are tons of factors that can cause slow site speed, so the best way to prevent slowness is to keep your site as lightweight as possible. And Ubersuggest will break down how to do that and what to fix.
As a rule of thumb, if you have anything unnecessary on your site, remove it so your speed is the best it can be.
Don’t forget about content
Through Ubersuggest we track millions of popular sites around the world to get better data insights on algorithm changes.
We know for certain that 641 sites we track are updating old content on a daily basis.
Can you guess how many of them saw a search traffic dip of 10% or more from the last algorithm update?

Only 38! That’s 5.92%, which is extremely low.
What’s crazy, though, is that 187 sites saw an increase in their search traffic of 10% or more.
So make sure you are keeping your old content up to date. Because why would Google want to rank old, stale content, when they can rank something fresh and useful for people?
Another strategy I love to deploy is to expand my content that is already ranking well.
For example, lets say you rank for the term “digital marketing”.
You’ll want to head to Ubersuggest and type in the phrase “digital marketing”. You’ll see a report that looks like this:

From there in the left navigation bar, click on “keyword ideas”.

You should now see a report that looks like:

This will give you a list of keywords that are similar, longer tail terms that also are searched frequently.
If you rank for the main term, it is easy to also rank for the longer tail terms. So make sure you add the relevant ones to your content.
It may seem tedious, but go through 100s if not 1000s of keywords in the keyword ideas report as it will allow you to get quick traffic gains.
When adding in the new keywords into your content, don’t just stuff them in there. It has to flow naturally and make sense for your website visitor.
And if you can’t make it make sense for a particular keyword, don’t do it… put the user first. Remember you are writing for humans, not Google.
Now the strategy I broke down here may seem simple and silly, but it’s one of the big reasons on why I am getting roughly 9 million visitors a month.

Conclusion
Going down a position or two in the rankings happens to the best of us.
It’s even happened to me.
If this happens, don’t panic.
Almost every client I’ve had who’s experienced a loss of rankings got really scared when it happened.
You probably felt this way too. But you don’t need to worry.
You can easily bounce back from a ranking drop.
Don’t believe me? Give these strategies a try. These aren’t just little tips. They’re tried-and-true methods that will help you reclaim your spot on Google.
No one deserves to lose ranking when they have an amazing site that users love. What’s more, it’s easy to fix.
Don’t let the initial shock stop you from getting your ranking back.
So, when was the last time your rankings dropped?
The post Here’s What You Should Do When Your Search Rankings Drop appeared first on Neil Patel.
Ironclad (YC S15) Is Looking for a Demand Gen Manager
Article URL: https://jobs.lever.co/ironcladapp/87a32c65-fdc1-4525-9ff4-47a9c4979d6f
Comments URL: https://news.ycombinator.com/item?id=24219886
Points: 1
# Comments: 0
New comment by dvfurlong in "Ask HN: Who is hiring? (August 2020)"
Deedmob | Amsterdam, NL | Remote | Full Time | Lead full stack JS engineer (Typescript, Node, React)
We’re a small profitable impact startup looking for an engineer who wants responsibility, meaningful work and non crazy work hours.
See the in-depth description below in which I outline what kind of work you’d probably work on, our story and also reasons you shouldn’t join us.
https://angel.co/company/deedmob/jobs/900080-remote-lead-eng…
Apply above or by emailing me at david@deedmob.com
Thanks, David 🙂