Day: September 4, 2020

New comment by fovc in "Ask HN: Who is hiring? (September 2020)"

Inc-Query | Operations (not-dev) | Full-time | REMOTE (US/APAC) | Small, profitable, rapidly growing, fully remote tech company. We program surveys insanely fast for private equity and management consulting clients. If you enjoy dealing with very smart clients in a somewhat technical and fast-paced environment, this role may be for you. The Survey Director …

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Online Privacy And Security

Online Privacy And Security The right to personal privacy is a significant concern for all online. It is your obligation to make sure the personal privacy of your internet website visitors. Since they fear their individual details might be mistreated or endangered, several individuals stop working to end up being on-line customers. Identification burglary, bank …

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GiveCampus (YC S15) Is Hiring Sr engineers passionate about education

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Stocks fall as Wall Street takes a breather following big rally, tech shares struggle

Stocks fell on Thursday as investors paused in the wake of already-robust gains seen on Wall Street so far this week.

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'Why Aren't You Calling These Riots?'

Here’s to the mayors who aren’t confused.

How to Choose The Right Adwords Agency

According to Unbounce, half of the people who click on your ads are more likely to make a purchase than those who came from an organic link. 

That’s a bit surprising. 

You’d think with 600 million devices running ad blockers —advertising would be less effective. Google Ads commands 73.1 percent of search advertising, roughly $40.3 billion. Advertisers couldn’t afford to continue spending that much money on ads if they didn’t work.

Google Ads are effective. 

What’s tough for many companies is choosing the right AdWords Agency. Managing Google Ads takes a lot of time, effort, and energy. Most companies choose to outsource that hard work to a PPC agency. If you plan on doing the same, you’re going to need to know how to choose the right agency to manage your Google Ads.

Here’s how you do it. 

Know Your Goals and Desired Outcomes

Google Ads is a direct response platform where customers are searching directly for your product or service. To achieve profitable results with your Google Ads campaigns, you’ll need to have some concrete goals in mind. In general, companies focus their attention on a few specific goals, such as these listed on Google’s website:

  • Get more calls to your business: Use this goal to book appointments, schedule a job, get customers, on the phone, or close a deal. 
  • Increase visits to your store: If you’re a local business, you’ll want to generate foot traffic to your physical location via your Google Ads campaign. This goal would be all about generating offline demand. 
  • Drive people to your website: The all-purpose goal that’s focused on sending people to a specific website so they can fill out a form, purchase your product, request more information about your services, or opt-in to your mailing list. 

The ultimate goal for each of these is revenue; each of the examples above would be considered a lead. Unlike SEO, where results require weeks or months of work,  Google Ads is a direct response channel. A successful ad triggers immediate action from searchers. 

The focus is on action

Next, you’ll want to create specificity around your goals. This depends on a few factors like your budget, the keywords you choose, match types, etc. For example, if you’re running a service business, you know you’ll need a certain amount of leads. This means you’ll need to identify details like your: 

  • Breakeven cost per click (CPC): This is the most you’re able to pay to receive a click without losing money. 
  • Conversion rate: Most people know this one; it’s the total number of conversions divided by the total number of visitors you’ve received. How many conversions do you need to be profitable? 
  • Breakeven cost per conversion (CPA): The average cost of a conversion. 
  • Breakeven cost per lead (CPL): The most you can afford to spend to acquire a new lead. 
  • Customer lifetime value: This measures the total value of a customer over the course of the relationship. 

There are more metrics you’ll need to track, but your agency can manage these for you and provide you with the reporting you need once you’re up and running. Providing your agency with these numbers makes it easier to set things up; you can use these to set your daily/monthly budget, identify profitable campaigns at-a-glance, or set goals to boost profitability. 

It would be best if you had a rough idea of the numbers you need to be profitable — the number of leads, sales, and customers you need each month for the campaign to be self-sustaining. 

7 Characteristics That Make a Great AdWords Agency

Here are some things you’ll want to look for when vetting an AdWords agency. These characteristics are important must-haves. Use them to determine if the agencies you’re considering are a good fit. 

1. Professional certification

The agencies you’re considering should have Google Partners status. Google explains this more, sharing why this is so important for your agency: 

“Achieving Partner status means that your company has demonstrated Google Ads skill and expertise, met Google ad spend requirements, delivered company agency and client revenue growth, and sustained and grown its client base. Partner status gives your company access to a number of benefits, including the Google Partner badge that can be shown on your website and marketing materials.”

If you’re looking for an agency to manage Google Ads on your behalf, this is important for a few reasons. It shows prospective clients that:

  • Your agency has enough clients to meet Google’s spend requirements
  • Active clients are achieving revenue growth, and you’re delivering on your promises
  • Your agency is growing (i.e., more clients and revenue)
  • Google feels you have the expertise needed to manage Google Ads accounts for clients

If you’re looking for a clear indication that your AdWords agency is legit, this is it. You’ll also want to verify that each of the paid search strategists on your account are individually certified. You can verify your agency’s partner status with Google at this URL. Verification will provide you with a list of Google products your agency has received certification for, their partnership type, and the number of offices certified by Google. If they have a banner/badge on their website, you should be able to click to verify your agency’s status with Google.  

If you’ve requested a proposal, you should receive links to the certification URLs for each of the strategists assigned to your account. The URL should be displayed in the following format:

Their certification should provide you with a completion identification number and the completion and expiration dates for their certification. Here’s what an individual’s certification looks like: 

2. You keep assets and creative

Some PPC agencies rely on a pay-per-lead model. Using this model, they drive traffic to a general landing page or advertorial that generates leads for their clients. The downside to this model is the fact that clients don’t receive the landing pages, creative, or assets that went into producing the landing page. 

This arrangement is great for agencies but bad for clients. 

It’s great for agencies because they’re able to use one landing page or ad with multiple clients in the same industry. Sure, clients receive the leads that they need, but they’re always dependent on the agency that produced them. They never really figure out how to make things work for themselves. 

This approach can work. 

If you’re only interested in the leads and you’re not interested in creating your own content, landing pages, or marketing in the future, there’s nothing to worry about. If you’re also interested in sticking with the same agency indefinitely, there’s no problem. 

Change any of those things, and you may not be able to continue to receive the same amazing results you’ve come to expect in the long term. Insist that your agency provides you with the assets and creative they’ve produced for your business.

3. Total agency transparency 

Google requires agencies to be transparent with their clients. This has been a requirement for some time, and it’s another reason why Google Partner and individual certifications are so important. 

“If you work with another company to manage your AdWords campaigns, you should be able to find out how much of your advertising budget (cost) was spent on AdWords, how many times your ads appeared (impressions) and how many times users clicked on your ads (clicks). We’ll include these requirements in our legal terms and agreements.”

Google also mentions that almost all of its certified partners are already offering this transparency to its clients. Transparency isn’t common with non-certified agencies; most agencies won’t provide this if clients don’t know any better. 

If you’re working with your agency, you should have access to all reports. You should also have access to metrics including impressions, clickthrough rates, keywords, account and ad group structure, and more.  If you have questions about where or how your money is being spent, you should receive straightforward answers. Ask your agency about the information they provide to clients if you’re unsure. 

4. Short term contracts

Some agencies prefer to lock you into a long-term contract (e.g., 12 or 24 months); this makes sense when you realize it takes a lot of time and resources to set up and launch a new client account. Most AdWords agencies don’t make money on the account until they’re a few months into the campaign. 

This arrangement isn’t always what’s best for clients, especially if the agency fails to perform. Clients should be able to come and go as they please. When agencies focus on performing well for clients, the relationship is more stable. 

Some agencies can offer month-to-month arrangements profitably. A compromise could be an initial three-month contract that switches to a month-to-month agreement afterward. Whatever you negotiate with your agency, it needs to be beneficial for both. If you’re unhappy with your agency, you should be free to leave. 

5. A proven and consistent track record

Your agency should be able to provide you with references and case studies to validate their expertise. There shouldn’t be any doubt about your agency’s ability to perform. You should have the data you need to vet their experience and track record accordingly. 

It’s not enough to prove that you’ve achieved amazing results for your clients. You need to demonstrate that you’ve been able to do it consistently over time. 

Ask your agency for all of the data you need to validate their performance —references, case studies, anonymized campaign data, and before and after campaign data. 

6. A clear process and methodology

Your agency should have an established process for managing and maintaining your account. They should be able to tell you when they add keywords and create new ads, how they set and maintain budgets across keywords and ad groups, and the adjustments or changes they’ll need to make for various markets. 

They should also be able to tell you which tests will be run, how they’ll be run, and the metrics or KPIs they’ll be using to validate performance. 

7. Optimize for conversions and revenue

I’m not talking about the Ads setting in your account. I’m talking about your agency’s focus on boosting revenue. It’s common for many agencies to focus their attention on impressions or clicks. Your agency should focus on helping you convert those clicks to revenue. 

This means your agency needs to focus its attention on:

  • Ad messaging, improving the timing, targeting, and placement of your ads
  • Conversion rate optimization to improve the performance of copy, landing pages, and offers
  • Setting up analytics and reporting to track performance from keywords, to ad groups, to landing pages
  • A/B split/multivariate testing to improve campaign performance based on the data you receive from analytics

Google Ads is a direct response platform, so optimizing for conversions and revenue should be your agency’s primary focus. If they’re focused on anything else, they’re not a good fit. 

How to Work With an AdWords Agency

Here’s a list of the things your agency will need from you. These requirements aren’t hard, but they do require some effort on your part. 

  • Trust your agency: Your agency needs your trust. If you’re worried about being burned, watch them closely at the beginning of the relationship. Once you see that they’re competent and they’re able to manage your campaign properly, give them your trust.
  • Set quantifiable goals: Clear, measurable goals are what you need. If you’re looking for leads, set realistic goals on the number you need per day/mo. If you have a specific conversion rate, make that clear to your agency. Are you looking for a certain number of bookings? Make the requirements specific. 
  • Stability and focus: Goal setting is important, but you’ll want to avoid changing your goals and KPIs repeatedly. Your agency needs time to gain traction. Your account managers need time to run tests, analyze performance data, and optimize for KPIs. Changing your goals repeatedly sets progress back, so you’re unable to get the results you want. 
  • Commit to improvement: If your website can’t convert visitors, PPC is a waste of your time and money. This means tactics like website usability and conversion optimization are important must-haves if you’d like to improve your campaign performance. 
  • Be flexible with your offers and price: Use promos, discounts, bonuses, or incentives to attract shoppers’ attention. Give your agency the flexibility they need to attract the volume of visitors you need. Let your agency know what your breakeven costs are, then permit them to work with the parameters you’ve set. 
  • Create good products and services: If your product or service is terrible, conversions will be low. If you’re selling a product no one wants, or they’re unfamiliar with it, PPC won’t change much. Advertising can’t save awful products. Be willing to have a frank conversation about your products and services with your agency. 

Give your agency the permission they need to make important decisions on your behalf. Establish a clear point-of-contact so your account strategists can reach out when they need your help. Spell out your expectations and communication standards ahead of time. 

If you want weekly communication, let your agency know. 

How to Find the Right AdWords Agency For You

You can use Google Marketing Platform Partners, HubSpot Agency Directory, or to find an AdWords Agency. We’ve added a few of the best agencies to make things easier for you. 

1. NP Digital – Best for Driving Revenue

My agency, NP Digital, is focused on conversions and revenue. While many agencies are focused on clicks, we focus specifically on driving immediate revenue for our clients. Many agencies focus specifically on PPC ads via Google or Facebook. We offer A to Z paid search support covering: paid media, paid search/shopping, paid social, Amazon, and programmatic advertising.

2. Adventure Media Group – Best for Enterprise AdWords Management

Adventure Media Group got its start as an AdWords training company, then they pivoted to Agency services, focusing specifically on AdWords and landing page design. They’ve grown quickly, shifting their focus to Enterprise AdWords Management. 

3. Ignite Visibility – Best for ROI Focus

Ignite Visibility lists WeddingWire, Tony Robbins, and Mission Federal Credit Union as their clients. Their agency model is focused on returns. They’re a full-service agency, but they have the experience to manage paid search campaigns across several channels, including — social, display, and programmatic advertising. 

4. Disruptive – Best for larger budget PPC focus (10k minimum)

Disruptive Advertising focuses on something they call results-based relationships. Their agency has 152 employees and a high concentration of paid search consultants, something uncommon in the industry. They’ve been listed as a top agency by, Upcity, and others.  Their agency focuses on brands with larger PPC budgets.

5. Voy Media – Best for cross-platform ads

Voy Media focuses on client growth via paid advertising. They describe themselves as the Swiss Army knife of advertising. They’re Facebook Ad specialists as well, so their agency is a good fit for clients who are looking to optimize their ad spend and who also rely on multichannel advertising to grow.

6. Megethos – Best for Technical Industries

They’re listed as the #1 PPC Agency in Phoenix. They offer clients paid search management and conversion rate optimization services that are backed by their data-driven model. As an agency, they focus on 100 percent transparency with clients. They’re experienced pros when it comes to promoting tech companies, whether they’re in SaaS, Ecommerce, Tech, or Transportation.

7. KlientBoost – Best for Low Budgets

KlientBoost has a unique business model that works well with low/entry budgets. PPC is typically an expensive thing for agencies to ramp up, but KlientBoost can make it work consistently for their clients. Their agency works well with small or local businesses.

8. WebMechanix – Best for Mid-to-Large Businesses

WebMechanix is a performance-based digital marketing agency for mid to large companies. They’re an award winning firm that’s focused on paid search advertising. They offer other agency services as well, but they focus on measurable results and financial impact for their clients. 

9. Directive – Best for SAAS Companies

Directive is a paid search agency for software and SaaS companies. They describe themselves as next-gen performance marketing for software. They focus their attention on increasing qualified leads (MQLs) for their clients, helping their sales and marketing teams hit their performance numbers. 

10. JumpFly – Best for PPC Specialists

JumpFly specializes in digital advertising focusing on PPC account setup and management for Google Ads, Microsoft Ads, Facebook & Amazon. If you’re looking for a PPC specialist or you’d like PPC specialists to work with your in-house team, JumpFly may be a good fit. 


Clicks on your PPC ads are more likely to lead to a sale. It sounds surprising, but paid advertising is still more effective than organic links, even with the growth of ad blockers. 

Google Ads work. 

But AdWords management is difficult, that’s why you need an agency. Use this post as a guide to choose the right agency to manage your Google Ads. Vet your agency carefully. Then, once you’ve found the agency that fits your needs, give them the tools and resources they need to boost your revenue. 

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Top 10 Wisconsin Mom Blogs and Websites To Follow in 2020

Top 10 Wisconsin Mom Blogs Contents [show] ⋅About this list & ranking Wisconsin Mom Blogs Madison Moms Blog Blogging Mom of 4 Bitz & Giggles Mommy Bunch Wisconsin Mommy Blog The Daily Change Jar 1StopMom Blog My Milwaukee Mommy Operation $40K The Mom Blog WI Nut Free Mom Blog Submit Blog Do you want more traffic, leads, […]

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Top 10 Missouri Mom Blogs and Websites To Follow in 2020

Top 10 Missouri Mom Blogs Contents [show] ⋅About this list & ranking Missouri Mom Blogs Guide 4 Moms Faith Health and Home OurKidsMom | Kansas City Lifestyle Blog MyLitter | One Deal At A Time Love, Laughter, and Luggage Living Chic Mom Simple in the Country The Missouri Mom Bushel and a Plate | One Missouri mom’s […]

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Do Nothing till You Check Out Our Pearl Financing Recession Funding Review

Check Out Our Pearl Financing Recession Funding Review and Look at Pearl Capital Business Financing

Pearl Financing is a lender in the online space. However, there are two similarly-named players. This blog post will cover both: Pearl Capital Business Financing and Pearl Financing. So it’s more than just a Pearl Financing recession funding review.

Recession Period Financing

The number of United States financial institutions and also thrifts has been decreasing slowly for 25 years. This is from consolidation in the marketplace in addition to deregulation in the 1990s, lowering barriers to interstate banking. See: Assets focused in ever‐larger financial institutions is troublesome for small business owners. Big financial institutions are a lot less likely to make small loans. Economic declines imply banks end up being much more mindful with financing. Luckily, business credit does not count on financial institutions.

Pearl Financing Recession Funding Review

Pearl Financing is a lending company in the online space. They provide various loans and forms of financing to businesses.

Pearl Financing currently only handles real estate funding.

Pearl Financing Recession Funding Review: Background

Pearl Financing is located online here:

Their physical address is:

11010 Lake Grove Blvd
Suite 100 PMB 119
Morrisville, NC 27560.

You can also call them at: (866) 865-0121. Their contact page is here: Also, you can email them at:

Pearl Financing Recession Funding Review: Bridge Loans and Hard Money

Pearl Financing partners with private investment firms for this typical form of real estate financing. There are no fees listed on their website for this form of funding.

Pearl Financing Recession Funding Review: Commercial Real Estate Financing

Pearl Financing offers several forms of financing. These include SBA 7(a) loans, CMBS Conduit loans, HUD, equity, and conventional loans. There are no fees listed on their website for these forms of funding.

Pearl Financing Recession Funding Review: CMBS Conduit Loans

This is a type of commercial real estate loan secured by a first position mortgage on a commercial property. These loans are packaged and sold by conduit lenders, commercial banks, investment banks, or syndicates of banks.

Terms are five, seven, or ten years. 25 – 30 year amortization. 75% loan to value/80% with Mezzanine Loan Combo. Rates are fixed but otherwise not specified.

Pearl Financing Recession Funding Review: Mezzanine Financing

This is a hybrid of debt and equity financing. It gives the lender the right to convert to an equity interest in the company in case of default. This is often after venture capital companies and other senior lenders are paid. There are no fees listed on their website for this form of funding.

Pearl Financing Recession Funding Review: Advantages

Advantages include a variety of choices for real estate funding. House flippers will do well to work with a specialist, which is what Pearl Financing brings to the table.

Pearl Financing Recession Funding Review: Disadvantages

So the chief disadvantage is no listing of fees anywhere, not even a range. This lack of transparency should be troubling to any entrepreneur. In addition, the company needs to distinguish themselves better from a similar company with a nearly identical name. As a result, borrowers can easily end up on the wrong site.

Pearl Capital Business Funding

Pearl Capital Business Financing is a lending company in the online space. So it is evidently unrelated to Pearl Financing.

They work with Independent Sales Organizations (ISOs) and merchants only. This online lender helps ISOs find more merchants to sign on with credit card payments or create merchant cash advances. There is no listing for their fees on their website.


Pearl Capital Business Financing is located online here: Their physical address is in New York, NY. You can also call them at: (800) 888-9959.

A Fantastic Alternative to Both – Building Business Credit

Company credit is credit in a company’s name. It doesn’t link to a business owner’s consumer credit, not even if the owner is a sole proprietor and the sole employee of the business.

Therefore, a business owner’s business and individual credit scores can be very different.

The Benefits

Considering that business credit is independent from consumer, it helps to safeguard an entrepreneur’s personal assets, in case of court action or business insolvency.

Also, with two distinct credit scores, an entrepreneur can get two separate cards from the same vendor. This effectively doubles buying power.

Another benefit is that even startup companies can do this. Visiting a bank for a business loan can be a recipe for disappointment. But building small business credit, when done the right way, is a plan for success.

Individual credit scores depend upon payments but also various other considerations like credit use percentages.

But for business credit, the scores really just hinge on if a business pays its bills punctually.

The Process

Building business credit is a process, and it does not occur automatically. A small business has to proactively work to build business credit.

Nevertheless, it can be done readily and quickly, and it is much more rapid than developing personal credit scores.

Vendors are a big part of this process.

Performing the steps out of sequence will cause repetitive denials. Nobody can start at the top with small business credit. For example, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.

Recession Funding Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Small Business Fundability

A business has to be fundable to lenders and merchants.

Due to this fact, a company will need a professional-looking web site and e-mail address. And it needs to have site hosting bought from a supplier like GoDaddy.

And also, company telephone and fax numbers must have a listing on

Likewise, the company telephone number should be toll-free (800 exchange or the equivalent).

A company will also need a bank account dedicated purely to it, and it has to have every one of the licenses necessary for operation.


These licenses all have to be in the correct, correct name of the company. And they need to have the same small business address and phone numbers.

So keep in mind, that this means not just state licenses, but potentially also city licenses.

Working with the IRS

Visit the Internal Revenue Service web site and acquire an EIN for the business. They’re free. Pick a business entity like corporation, LLC, etc.

A business can begin as a sole proprietor. But they will probably want to change to a sort of corporation or an LLC.

This is in order to limit risk. And it will make the most of tax benefits.

A business entity will matter when it comes to taxes and liability in the event of litigation. A sole proprietorship means the entrepreneur is it when it comes to liability and taxes. No one else is responsible.

Sole Proprietors Take Note

If you run a business as a sole proprietor, then at the very least be sure to file for a DBA. This is ‘doing business as’ status.

If you do not, then your personal name is the same as the small business name. Because of this, you can wind up being personally responsible for all small business financial obligations.

And also, according to the IRS, using this structure there is a 1 in 7 possibility of an IRS audit. There is a 1 in 50 probability for corporations! Steer clear of confusion and significantly lower the chances of an IRS audit at the same time.

Kicking Off the Business Credit Reporting Process

Start at the D&B website and obtain a free D-U-N-S number. A D-U-N-S number is how D&B gets a company 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 web sites for the small business. You can do this at If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process.

By doing so, Experian and Equifax will have something to report on.

Recession Funding Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Vendor Credit

First you should establish trade lines that report. This is also called vendor credit. 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 start to get retail and cash credit.

These types of accounts often tend to be for the things bought all the time, like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.

But first off, what is trade credit? These trade lines are credit issuers who will give you starter credit when you have none now. Terms are typically Net 30, instead of revolving.

Hence, if you get approval for $1,000 in vendor credit and use all of it, you must pay that money back in a set term, like within 30 days on a Net 30 account.


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

To begin your business credit profile properly, you should get approval for vendor accounts that report to the business credit reporting agencies. As soon as that’s done, you can then use the credit.

Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Helps

Not every vendor can help in the same way true starter credit can. These are merchants that will grant an approval with marginal effort. You also want 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 retail credit.

Retail Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move onto retail credit. These are companies like Office Depot and Staples.

Only use your Social Security Number and date of birth on these applications for verification purposes. For credit checks and guarantees, use the business’s EIN on these credit applications.

Fleet Credit

Are there more accounts reporting? Then move to fleet credit. These are companies like BP and Conoco. Use this credit to buy fuel, and to fix and take care of vehicles. Only use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, make sure to apply using the company’s EIN.

Cash Credit

Have you been sensibly managing the credit you’ve gotten up to this point? Then move to more universal cash credit. These are businesses like Visa and MasterCard. Only use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.

These are typically MasterCard credit cards. If you have more trade accounts reporting, then these are feasible.

Monitor Your Business Credit

Know what is happening with your credit. Make certain it is being reported and take care of any mistakes ASAP. Get in the practice of taking a look at credit reports. Dig into the particulars, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less than it would cost you at the CRAs.

Recession Funding Review Credit Suite

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Update Your Information

Update the data if there are inaccuracies or the info is incomplete.

Fix Your Business Credit

So, what’s all this monitoring for? It’s to contest any errors in your records. Errors in your credit report(s) can be taken care of. But the CRAs generally want you to dispute in a particular way.


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

Fixing credit report errors also means you specifically detail any charges you challenge. Make your dispute letter as crystal clear as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you mailed in your dispute.

A Word about Building Business Credit

Always use credit responsibly! Don’t borrow beyond what you can pay off. Track balances and deadlines for repayments. Paying on schedule and completely will do more to raise business credit scores than pretty much anything else.

Building small business credit pays. Great business credit scores help a company get loans. Your credit issuer knows the small business can pay its financial obligations. They know the company is for real.

The small business’s EIN links to high scores and lenders won’t feel the need to demand a personal guarantee.

Business credit is an asset which can help your small business for years to come.

Pearl Financing Recession Funding Review: Takeaways

The businesses which will do the best with Pearl Financing are going to be the ones with high financing needs but the companies themselves are currently not very large. Therefore, these are companies which are expected to grow quickly and meteorically. However, companies which need less funding have other options. Such businesses should make sure to compare offerings closely.

And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math. Go over the details with a degree of care.

Only you can decide if this option will be good for you and your company. In addition, consider alternative financing options that go beyond lending. These include building business credit, in order to best decide how to get the money you need to help your business grow. Business credit building is useful as it becomes a company asset.

Today, we want to hear from our audience! Share your voice with us about your experiences with online lenders.

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Best Accounting Software

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission. 82% of businesses fail because of poor cash flow management and subpar accounting practices. Yikes. It’s no secret that accounting is hard — and there’s a reason people spend their entire lives learning how …

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