Day: November 4, 2020

What's So Great About High Voter Turnout?

In 2016, people in Harlem said they were neither surprised nor worried about Trump’s victory.

So Much for the Election Landslide

Trump confounds the pollsters again as the presidential race goes to the wire.

32 Free WordPress Themes For Effective Content Marketing

You already know that WordPress is a popular CMS and that most content marketers love it for their business or personal blog. But there’s a question lingering: How do you choose the right free WordPress theme when there are so many out there?

Trust me; it’s not as easy as you think.

When I started blogging, one of the crazy activities that killed my productivity was checking out new personal blog themes. I just couldn’t find the right one for me. But I know better now.

The reality is you need to find one of the responsive WordPress themes for your personal blog launch’s success.

Did you know that your success as a content marketer goes beyond writing great content?

There are so many factors that will ensure that you’re always at the top of your game and getting the juice from any given search engine.

Your attitude to work, the way you market your content, and, most importantly, your blog’s look all play a key role. It must have a responsive design, not just be pretty.

Investing in a professionally-looking theme is important, but what if you’re just a beginner and you want a free WordPress theme that still looks gorgeous?  Can you find one?

Sure you can. I decided to write this article because I get a lot of emails from readers who want to find the right WordPress themes that will aid in effective content marketing.

A free WordPress theme is great, but don’t forgo a responsive design for your personal blog when many themes have a very cost-effective, one-time fee.

Trust me, I’ve got you covered. Without much ado, here is a list of 32 professional, free WordPress themes that you can download:

1. Sparkling [PreviewDownload]

sparkling free wordpress theme

It’s time to sparkle your personal blog. If you’re looking for a flat, clean, and professional-looking theme, Sparkling may just be the right one. It was developed using Bootstrap 3.

This modern theme has a front-end framework feature that optimizes it to display smartphones, desktops, tablets, and other devices well. This WordPress theme is unique from the millions out there because of its pixel-perfect design, full-screen slider, and widgets that you’ll fall in love with.

‘Sparkling’ is built to have a premium layout, and every content marketer who prides content above everything else will benefit from it. If you’re looking for one of the SEO-friendly responsive WordPress themes, you’re in luck.

It’s Schema compatible — which is great for SEO. Most of the free and paid plugins out there are supported, such as SEO by Yoast, W3 Total Cache, Quick AdSense, Akismet, Contact Form 7, Gravity Forms, and more.

For effective content marketing, you need a WordPress theme that hands control over to you so that you can add, modify, or delete any plugin, section, or even modify the layout as you see fit.

Whether you’re interested in using the Sparkling WordPress theme for your personal use or business, you’ve won the jackpot. This theme cuts across different industries such as education, business, web design, marketing, health and fitness, and many more.

2. Dazzling Free WordPress Theme[PreviewDownload]

dazzling free wordpress theme

Dazzling is an unrivaled responsive theme. It’s developed using Bootstrap 3 and comes with an optional full-screen slider. This is useful when you’re building your first corporate or portfolio site.

This flat theme has mint green accent colors and will inspire you to embrace the best side of content marketing. I’m fond of this theme because it’s clean, unbeatable, and will enhance your personal brand. What more could you want?

Startup entrepreneurs, CEOs, and public speakers will benefit from the full-screen slider because they’ll use it to showcase their keynote speeches or other key presentations.

Dazzling WordPress theme includes added optimization for a lot of the essential plugins and custom widget designs out there, such as All-in-one-SEO Pack, JetPack, Contact Form 7, and more.

3. OceanWP [Preview — Download]

oceanWP free wordpress theme website

OceanWP is a single theme, but it’s so customizable that it feels like getting multiple themes all at once. With more than 3 million downloads, there’s a good chance you’ve come across a few websites using this ultra-flexible theme.

What really stands out about OceanWP is its demos — these are essentially fully-build websites you can copy and then customize. The theme is fully responsive, offers fast load times, built-in SEO features, and is translation ready.

If your business sells physical or digital products, OceanWP has you covered with built-in WooCommerce functionality.

4. Travelify [PreviewDownload]

travelify free wordpress theme

Travelify is another free WordPress theme. It has some premium functionalities that allow you to change the theme layout (full, no sidebar, or wide, for example).

This responsive WordPress theme is mobile responsive, modern, and can be used for virtually any subject or business objective. For example, if you’re a content marketer, Travelify puts value on your content and highlights your best work for your readers to enjoy.

It’s a pixel perfect design, with a featured slider which you can turn off with a single click. The flexibility that the theme offers enables you to alter its layout until it suits your objective. You can also use a background image to customize the theme to your brand.

5. Ascent Free WordPress Theme[PreviewDownload]

ascent free wordpress theme screenshot

Ascent WordPress theme is designed with responsiveness in mind. This means that it’ll appear well on tablets, smartphones, laptops, and desktop of all sizes. The innovative technology used is based on CSS3 and HTML5.

What I like about Ascent is the richness of the slider that appears above the header. It’s more than just a personal blog; it’s a visual blogger’s dream.

In other words, your pictures get an added optimization that would make them stand out from the rest. If you’re a photographer, digital marketer, or content marketer, you can use Ascent to improve user experience.

This theme has been downloaded over 30,000 times, making it one of the most popular responsive WordPress themes of both professional and free.

A right and left sidebar gives you added flexibility, and this theme is translation-ready. This is essential if you’ll be serving a wider audience in different languages.

6. Auberge [PreviewDownload]

auberge free wordpress theme screenshot

Do you struggle to create the right content for your customers? You’re not alone. If you want to attract and nurture an audience with your personal blog, you need various content.

But, let’s assume that you’ve created a variety of content; how do you showcase all of them in the right manner? You need the right WordPress theme and Auberge may just be the right one.

This impressive WordPress theme is free, professionally-designed and it’s currently used by over 30,000 blogs. Auberge’s overwhelming quality and usefulness make it a one-stop theme for those who want to expand their content marketing reach.

Auberge is built around a mobile-first design concept, which makes it 100% mobile responsive. One vital reason why you probably should consider this theme is because the content can be easily showcased on retina displays that have high resolutions.

A challenge that most site owners face when showcasing their best content, is resizing and compatibility issues, which severely drops the value of the content.

The theme would suit every niche, but it’ll probably best serve restaurants and cafe pages. When constructing your pages, you can use the Beaver page builder plugin. You can download and use the lite version at no cost.

7. Hestia Free WordPress Theme [Preview – Download]

hestia free wordpress theme

Hestia is a website builder that features a slick, fully customizable design. Don’t let their branding as a”one-page theme” make you think it will limit you — you can build a fully functional, multi-page site with this theme.

Top features include easy to use customizer, WooCommerce ready, page builder compatibility, and fast load times. It is also SEO friendly and provides clean, optimized code for fast loading times.

If you are looking for a highly flexible theme with e-commerce capabilities, Hestia is a solid choice.

8. Awaken [PreviewDownload]

awaken free wordpress theme

Awaken WordPress theme is free and has a 4 out of 5-star rating. If you’re fond of a minimalist design, this theme is for you. It’s extra white spaces push your content to the forefront and eliminate distractions.

Awaken is a magazine theme that includes two widget areas. The posts are also showcased, using three distinct widgets.

The layout of this theme is constructed using the Bootstrap framework, with mobile responsiveness in mind. In particular, mobile users will benefit from your blog, if you use this theme.

Another essential feature of Awaken is the nifty slider. The theme options panel gives you added flexibility, which enables you to change the theme color, font attributes, and links.

9. Neve Free WordPress Theme [PreviewDownload]

neve free wordpress theme screenshot

Neve is a light, modern WordPress theme that will serve your content marketing needs because it has clean and validated code.

This means that no matter how minimal your technical skills, you can edit and structure your theme to display your content well.

With basic HTML/PHP knowledge, you can structure your content display area. If you’re not a skilled developer, you don’t have to worry, because the theme options panel enables you to update your settings, including custom header and footer designs and layout.

One other feature of Neve WordPress theme offers easy setup, reliable updates, fast load times, and it is compatible with AMP.

Neve is focused on being lightweight, fast, and easy to use, making it an ideal free WordPress theme for beginners or anyone who wants an easy-to-build site.

10. The SSMAG [Download]

SSMAGE free wordpress theme

SSMAG is a mobile responsive, plug and play free WordPress theme that has a grid-based layout. Content creators will find this theme useful, because of its feature that positions your content to go viral– well-designed social share buttons.

The design layout is optimized to engage readers and to cause them to explore your site further. SSMAG was created in 2015. It has custom widgets, to display text and HTML elements.

Apart from being browser compatible, the SSMAG theme supports embedded video, which will play a vital role in explaining what your blog is all about, instead of using your featured image on a post page.

11. Albar Free WordPress Theme [Preview – Download]

albar free wordpress theme

Albar is a multipurpose WordPress theme that can be used to build a business website, portfolio, e-commerce store, or blogging site. It is responsive, which means it easily adapts to all types of devices including tablets, mobile phones, and desktop computers.

The theme features minimal settings to make it easier to use, but enough customizations to let you build exactly the site you need. It is lightweight, scalable, and offers security features so your site will be fast and secure.

12. Esteem Free WordPress Theme[PreviewDownload]

esteem free wordpress theme

Most beginners to blogging are looking for a WordPress theme that will showcase their portfolio or samples so that potential clients can find them easily. If that’s what you’re after, Esteem will be the right personal blog theme for you.

Esteem is a simple theme that offers unlimited theme color options so that you can change the feel and look of your site to stand out from the competition. The Esteem theme comes with two custom themes.

One of the themes is custom-built to display your products, portfolio or services. You can upload and set your custom logo and site title from the theme options panel.

If you want to gain traction, nurture a loyal audience, and establish your brand online, you should leverage the Esteem theme customizable header image.

13. Accelerate Free WordPress Theme [PreviewDownload]

accelerate free wordpress theme

Who says that you can’t find a modern WordPress theme with a premium look for your site?

Well, Accelerate is right here to fill that spot. Accelerate is a super flexible theme that’s suitable for portfolio, personal, travel, corporate, or business services sites.

If you’re an artist, like a photographer or illustrator, you can use the fullscreen slider to showcase your best work.

Accelerate theme sends a strong, clear message to your target audience, through its flat and straight-forward design that blends perfectly with your content (video, blog posts, audio, etc).

Accelerate is fully responsive and displays well on any type of mobile device. Moreover, the theme is retina-ready, to enhance your audience viewing experience and lower bounce rate.

14. Ample [PreviewDownload]

Ample free wordpress theme

It’s time to personalize your blog with this eye-catching and professional theme. Ample is a free minimalist and multipurpose WordPress theme that comes with feature-rich options for customizing your layout and setting the right metrics for your site. Mobile device responsiveness helps your search engine results.

Building your personal brand is an essential part of running a successful online business. So, it’s necessary to customize your site, by adding a professional logo and relevant header text that will appeal to your target audience.

Ample multipurpose WordPress theme is suitable for business or personal blog use and will play well in any industry, but it’s particularly useful for authors, freelance writers, and book review writers.

15. WP-Premium Free WordPress Theme[PreviewDownload]

wp premium free wordpress theme

If you’re familiar with Copyblogger, you’ll agree with me that their first theme looked similar to this theme. I also know a few bloggers who started out with this theme, but later changed when their business grew.

Why am I saying this?

Well, it’s to let you know that WP Premium free WordPress theme provides a rich experience for the end-user, as well as premium functionality and a trendy look.

If you’re looking to start a serious blog, you should consider using WP Premium. It’s 100% responsive, which means that your texts and images will display smoothly on any device.

This theme is powered by Foundation – a front end framework that’s flexible, user-friendly, and professional.

WP Premium takes a content-first approach. The homepage widget areas let you manage your sidebar, header, navigation menu, and footer. Other functionalities are a wide selection of widgets, such as the author widget that displays relevant information about the author or blog owner.

You also have the advertisement widget, for monetizing your blog content with AdSense, ClickBank, CJ, and any third-party affiliate network that supports HTML code and CSS.

16. Quickstart [PreviewDownload]

quickstart free wordpress theme

This is a free and professional theme from What differentiates this theme from others is the fact that you can structure your personal blog layout as you want it to be.

Your category page doesn’t have to be a bland list of articles; you can now put the right content there and re-engage your audience. From the themes control panel, you can select alternative header templates quickly. No coding experience is required to effect this change in a highly responsive design.

Localization support is also enabled, because Quickstart was designed to appeal to international and local site owners. It supports multiple languages and it’s compatible with WPML’s multilingual plugin.

There is also another feature that makes this theme unique. The Gabfire module.  This is an extended functionality that enables users to embed videos and default post images, so that the difficulty associated with embedding YouTube videos, for example, is eliminated.

Quickstart free WordPress theme is equipped with a single post image slider, category templates, page templates, and an advanced control panel. It’s search engine optimized and mobile one of the mobile responsive WordPress themes we like.

17. Astra Free WordPress Theme[PreviewDownload]

astra free wordpress theme screenshot

Astra has some amazing functionalities that you’ll love. This is a professional-looking theme that would have sold for $39 or more, but you can download and use it as a free WordPress design.

It has a clever ‘above-the-fold’ slider that displays your best and latest works. If you’re an author, you can use this to showcase your book. If you’re an artist, such as a photographer, illustrator, or web designer, this sleek slider will be very helpful for you.

Astra free WordPress theme displays your content using the default font face that’s clear and professional. If you’re an intermediate blogger or online entrepreneur and need a sophisticated theme that has all the modern functionalities intact, Astra may just be the right one for you.

18. Onesie [PreviewDownload]

onesie free wordpress theme screenshot

As the name implies, Onesie is a flat and free WordPress theme. It’s a one page, responsive theme and can be used for business or personal blog purposes.

It adapts to different screen sizes, making it possible for your texts and images to display perfectly on iPads, iPhones, tablets, and other mobile devices, including smartwatches.

Onesie is easy to customize. You can change the background image to whatever you want. The header images can be customized to your taste.  You can also create custom navigation menus, choose the right font, and alter the layout design for optimal user experience.

Onesie is browser compatible, which means that it displays perfectly on popular search engine platforms that your target audience will most likely be using, such as Mozilla Firefox, Opera, Google Chrome, Internet Explorer and more.

It also contains standard theme features, such as the theme options, automatic updates, and translation-reader functionality.

19. Path [PreviewDownload]

path free wordpress theme screenshot

Note: Path is no longer free, but at just $14, it’s still incredibly affordable and may be worth the cost if you love the features! 

You can use Path, a stylish WordPress theme, if you’re working on a multi-author or magazine-related site.

One powerful functionality of Path is that you can use the built-in WordPress custom header to manage your site’s feel, control the logo and other branding aspects of your site, as long as it’s in agreement with WordPress and Hybrid Core.

Several plugins, such as Gravity Forms, Social Path, SEO by Yoast, and more, are fully supported. No matter your industry, as long as you’re passionate about building a community, creating viral content, and generating leads for your business, you can use the Path theme.

20. Sinatra Free WordPress Theme [Preview – Download]

sinatra free wordpress theme

If your theme looks professional, it’s going to give you a mindset that makes you think as if you’re on top of the world. You might be a personal blog beginner, but it wouldn’t make any difference – because you’re already on the right foot.

Sinatra is one of the most lightweight and easily customizable WordPress themes that you can download for free. It’s designed by sinatrateam.

This is one of those themes that could have been sold for $39 or more, but the company decided to give it away. While it’s still free, you can download it for your next blog.

It’s mobile responsive, SEO-friendly, and contains multiple layouts for customizing your blog so that your content gets attention. It’s also translatable and built with SEO best practices in mind.

21. Calenotis Magazine [Preview]

calentosis magazine

Calenotis Magazine WordPress theme comes free of charge. It’s ideal for any type of project.

If you’ve just launched your book (whether ebook or hardcopy), or you want to create in-depth content that will generate organic traffic for you, this magazine theme will do the job right, from the very beginning.

Calenotis is a popular theme used in the health and fitness industry. The majority of the internet marketers out there aren’t aware of this theme. If they were, why would they not be using it?

The good news is that you’ve got the chance to use it while it’s free. The fullscreen slider will house your best works, latest pictures, upcoming programs, and more. This theme was designed using the minimalist principle – “omit needless things!”

The default font size for the body text may not be perfectly legible, but with HTML and CSS experience, you can always change your text’s size to suit your users.

22.Portum Free WordPress Theme[Preview – Download]

portum free wordpress theme

Portum WordPress is free, responsive, and has a stylish front page slider where you can showcase your best work. This theme also supports modern web tools and plugins.

Site speed is one of the Google ranking factors that you’ve got to always consider. This theme is super fast. Your users will thank you for it.

The single post area is professionally designed, and the font style and size are carefully set to make maximum impact. This is a true, modern free WordPress theme that’s responsive, used by thousands of sites, and is absolutely free.

23. Typepress [Download]

typepress free wordpress theme

Typepress is a free and colorful WordPress theme. Colors drive people. In fact, in the psychology of colors, certain colors have proven to improve click rate on call-to-action as well as increase sales.

If you’re looking for a free theme that will be colorful, agile, and has all the powerful functionalities to build your business, Typepress could be your answer. It was developed by Arm Studio and released for free to the world.

Browser compatibility is one feature that makes this theme a resourceful one. No matter what browser that you or your visitors are using, they’ll not have issues reading your content, watching videos, or downloading your report. Even on mobile devices, mobile users will enjoy navigating your site because of it’s mobile-friendliness.

24. Foodica Lite Free WordPress Theme [Download]

foodica free wordpress theme

Not all content marketing sites are business blogs or news sites. If you’re looking to build a food or recipe-based website, consider Foodica.

Foodica fills the food-blog gap by providing a beautiful, easy to use theme for food or recipe-based websites. It features a beautiful slider, responsive layout, and featured slider support for posts.

Note that there are two versions of Foodica — the Lite version is free, while the Pro version costs $69 and comes with additional customizations, support, and a recipe index.

25. Business Free WordPress Theme [PreviewDownload]

business free wordpress theme

When you mean business (a site that will make you money), you’ve got to consider a theme that was designed for that. There are several ways to monetize and make money from a blog.

That said, do you know that the manner by which you place your affiliate links, promotional banners, and other calls-to-action plays a vital role in your conversion rate?

Absolutely. It does!

Business WordPress theme may be free, but it comes with premium functionalities that make it easier to advertise on your blog like a pro. Apart from the monetization aspect, the single post is given top priority, as well.

You can customize your logo, header image, background color, or other images. Its responsive design with the drag-and-drop slideshow interface gives you an added experience, and your site visitors will fall in love with it.

26. GreatMag [PreviewDownload]

great mag free wordpress theme

GreatMag is 100% free to use. It’s a magazine theme and has features that enable you to optimize your homepage and add important sections such as about us, our portfolio, products, and careers.

The front page image slider is ideal for showcasing your latest completed projects, clients you’ve worked with, testimonials, or some of the works you’re proud of.

When it comes to branding, GreatMag is flexible. You can upload your logo in the header section, and it’ll be seen clearly because the space provided is large. You can also use different themes to customize your site to your liking.

It also offers bundled widgets so you can easily (and quickly) get your site up and running, works with Google Fonts, features a page builder, and is 100% translation ready.

27. Basic Free WordPress Theme [PreviewDownload]


At some point in your blogging business, you’ll need to focus on getting the right content out, attracting a loyal audience, and answering their questions. You may not need a fancy theme at such points, except if you don’t have enough money to buy a premium theme. But, you can use this Basic theme.

You may think that there is nothing special about ‘Basic’ free WordPress theme, but that’s not true. Most successful marketing blogs are built on minimalist personal blog designs, with the primary focus on the content and user.

If you’re just starting out with WordPress, you need to start with a theme that you can learn from, not a sophisticated one that requires a high level of coding experience.

The layout of the Basic free WordPress theme is super simple, giving you the freedom to customize your site’s look and feel. You can achieve this through the Themify options panel.

This theme was designed with features that will take you from where you are in your content marketing career to a new level. The lightbox gallery, RSS, footer menu, 5 theme skins, social icons, child theme support, and more will enhance your blogging experience and that of your users.

28. Parallax [Preview – Download]

parallax free wordpress theme

Parallax is a free WordPress theme, and I’ve seen it at work on several industry blogs. It’s well designed and has modern features to bring your content to life. It features parallax scrolling to present beautiful images in an easy-to-navigate format.

One of the challenges of content marketing is producing engaging content. Even if you succeed at creating the right type of content, how do you present it to your audience? What format will be best for you?  Parallax is one of the responsive WordPress themes that can help here.

What if you can cut through the chase, use the different widgets for the header, sidebar, footer, and single post to showcase different content types such as videos, slide presentations, blog posts, e-books, and continue to evolve your site based on real metrics?

Parallax offers a drag-and-drop editor, meets SEO best practices, and helps increases time on page with 3D animation effects. Just remember that these images are heavy, so they can slow page speed down.

29. Airi Free WordPress Theme[Preview – Download]

airi free wordpress theme

Airi is the right WordPress theme to use for pretty much any type of business site. For example, if you run a digital camera reviews blog, you can use this theme to display your best shots, edited works, and more.

This theme is highly customizable, as it was built with the Elementor plugin that allows you to easily move all the elements around. It also supports Ecommerce if your business sells physical or digital products.

Airi also offers a bunch of demos you can import, edit, and publish. If you want a professional website done fast, this is an ideal theme to consider.

30. Live Wire [Preview]


I like Live Wire WordPress theme because of two things: it’s free, and it’s clean. Any search engine will love its responsive design. It’s primarily designed with mobile in mind and includes an advanced options panel for structuring your layout. It supports Hybrid Tabs, post formats, Gravity Forms, and much more.

Live Wire has features that make it possible for you to customize several elements, such as your navigation menus, layouts, CSS, and even your background.

The theme also includes breadcrumbs, sticky posts, translation-ready capability, featured images, and more.

Note: LiveWire hasn’t been updated recently, but it still gets great reviews. Just keep in mind you could have issues with newer WP features and plugins. 

31. Hemingway Free WordPress Theme[PreviewDownload]

hemingway free wordpress theme

Hemingway’s free WordPress theme is specifically made for bloggers who want to improve their blogs. This theme was designed to conform with the latest version of WordPress, it’s streamlined, and it has the parallax scrolling effect.

It features a two-column layout that was designed specifically with bloggers in mind. Other features include retina-ready assets, block-editor supports, and customizable styles.

As a high-quality theme, Hemingway is sleek, but the developers kept it minimalist design style that always puts content first compared to some other highly responsive WordPress themes. It’s mobile responsive, which means that any device can display this theme perfectly.

32. Fullby [PreviewDownload]


Fullby was inspired by Twenty Fourteen, one of the world’s most popular themes, with over 1 million downloads. At first glance, Fullby gives you that feeling of a professional site, because of its layout design.

The framework for this free WordPress theme is based on the latest Bootstrap framework. This is a grid style, lightweight, and fully responsive (displays well on any mobile or desktop device) theme.

You’ll also like the lightweight theme, which includes two customizable images, and the featured option for the posts can be structured exactly as you want it.

This is a good platform for your content, and the galleries and videos that are supported make this theme a favorite for most celebrities. If you’re a blogger, you’re a celebrity, too.

This Fullby free WordPress theme is fully optimized for search engines and has functionalities for your single post page and custom sidebar.


There, you’ve got it, the 32 professional, free WordPress themes to help make your content marketing more effective. Remember that it doesn’t matter which industry your working in because as much as content is king, design is the prime minister.

Getting one of the most responsive WordPress themes is important, even when starting. And there are so many to choose from.

When you give ample time to choosing the best theme for your blog, especially at the beginning, you’re establishing your foot in your industry. Your brand becomes noticeable to your target audience, and, trust me, that is priceless.

What is your favorite free WordPress theme, and why do you love it? 

The post 32 Free WordPress Themes For Effective Content Marketing appeared first on Neil Patel.

How Core Web Vitals Affect Google’s Algorithms

While we spend a lot of time focusing on keyword optimization, mobile-experience, and backlinks, Google pays a lot of attention to the on-page experience. That’s why they’ve rolled out a new set of signals called Core Web Vitals.

These signals will take into account a website’s page loading speed, responsiveness, and visual stability.

In this guide, I’ll explain what Core Web Vitals are and help you figure out how it could impact your rankings.

Core Web Vitals: What Are They and Why Should You Care?

Is this simply another scare tactic by Google to make us revamp everything and get all nervous for a few months?

I don’t think it is; I think this will become a serious ranking factor in the coming years — and for a good reason.

The good news is you may not even have to do anything differently because you’re already providing a high-quality on-page experience for your visitors.

This is essentially what Core Web Vitals are. It’s a page experience metric from Google to determine what type of experience visitors get when they land on your page.

For example, Google will determine if your page is loading fast enough to prevent people from bouncing. If it’s not, you could face a penalty in ranking and be replaced by a website that’s loading correctly.

So, now we have the following factors determining the quality of a “page experience” on Google:

  • Mobile-friendly: The page is optimized for mobile browsing.
  • Safe-browsing: The page doesn’t contain any misleading content or malicious software.
  • HTTPS: You’re serving the page in HTTPS.
  • No intrusives: The page doesn’t contain any issues that cover the primary content.
  • Core Web Vitals: The page loads quickly and focuses on elements of interactivity and visual stability.

Many websites are providing these factors already, and if you’re one of them, you have nothing to worry about.

Google’s Announcement about Core Web Vitals becoming a Ranking Factor

Twitter announcement of core web vitals

I took a look at Google’s press release to see if there was anything that stood out. Google announced that over time, they’d added factors such as page loading speed and mobile-friendliness, but they want to drive home the importance of on-page experience.

They’re looking at upcoming search ranking changes that factor in-page experience. Google says they’ll incorporate these page experience metrics for the “Top Stories” feature on mobile and remove the AMP requirement.

Google also says they’ll provide a full six months notice before rolling this out, so it does look like we have some time to think about it and get ourselves on track.

Core Web Vitals Metrics

As a website owner, developer, or builder, you consider a million different factors when putting together your website.

If you’re currently working on new sites or making updates to existing ones, you’ll want to keep these three factors in mind going forward.

Loading: Largest Contentful Paint (LCP)

Largest Contentful Paint or LCP refers to your page loading performance. It covers the perceived loading speed, which means:

How long does it take for your website to start displaying elements that are important to the user?

Do you see how this differs from regular page loading speed now?

There’s a huge difference here.

For example, it’s common practice to keep the most important information and eye-catching content above the fold, right?

Well, that’s no use to anyone if it takes all the interesting “above the fold” six seconds to load.

We see this all the time when sites have images or videos above the fold. They generally take up a lot of space and contain important pieces of context for the rest of the content, but they’re the last to load, so it leaves a large white space at the top of the screen.

Google is paying attention to this because they realize it’s causing a lot of people to bounce.

The general benchmark for Google is 2.5 seconds. This means that your website should display everything in the first frame (above the fold) in 2.5 seconds.

Keep in mind that webpages are displayed in stages. So when the final elements of the top of your page loads, that would be your LCP. A slow LCP = lower rankings and penalties and a fast LCP = higher rankings; it’s as simple as that.

Interactivity: First Input Delay (FID)

The First Input Delay or FID is the responsiveness of your webpage. This metric measures the time between a user’s first interaction with the page and when the browser can respond to that interaction.

This web vital might sound a little complex, so let’s break it down.

Let’s say you’re filling out a form on a website to request more information about a product. You fill out the form and click submit. How long does it take for the website to begin processing that request?

That’s your First Input Delay. It’s the delay in between a user taking action and the website actually moving on that action.

It’s essentially a measure of frustration for the user. How many times have angrily hit a submit button over and over because it’s taking forever?

This is a huge UX metric because it can also be the difference between capturing a lead or a sale.

Chances are, someone is taking action because they’re interested in whatever it is you’re offering. The last thing you want to do is lose them at the finish line.

Visual Stability: Cumulative Layout Shift (CLS)

Cumulative Layout Shift refers to the frequency of unexpected layout changes and a web page’s overall visual stability. 

This one is straightforward, and I have a perfect example.

Have you ever scrolled through a website, saw something interesting, went to click on it, but right at the last second, a button loads, and you end up clicking that instead?

Now you have to go back and find what you were looking for again and (hopefully) click the right link.

Or, where you’re reading a paragraph, and buttons, ads, and videos keep loading as you’re reading, which keeps bumping the paragraph down the page, so you have to keep scrolling to read it.

These are signs of a poor on-page experience, and Google is factoring these issues as they strive to provide the best experience for users.

Going forward, the focus is on mimicking an “in-person” experience online. As more and more stores shut down and e-commerce continues to boom, it’s up to store/site owners to provide that in-store experience to their users.

For CLS, the goal is to have a score as close to zero as possible. The less intrusive and frustrating page changes, the better.

The Effects of Core Web Vitals on Content Strategy and Web Development

Now let’s talk about how to improve core web vitals and where you can get this information.

Head to your Google Search Console, where you’ll see the speed test was replaced with “Core Web Vitals.”

core web vitals on search console

When you click it, it’ll bring up a report for mobile and one for desktop.

You’ll see a list of poor URLs, URLs that need improvement, and good URLs.

Remember that Google is factoring in the three things we discussed previously to determine the URL’s quality.

core web vitals on mobile

So, if you have many poor URLs, it means that they’re slow to display the most critical content, slow to process actions, and continually offer a poor experience by shifting layout too frequently.

core web vitals need improvement

If the URL “needs improvement,” it may have a slight combination of two or three of these. A good URL checks out clean.

If you open the report on mobile, for example, you’ll see a page that might look like this.

core web vitals LCP issues

It’s an example of a website that needs improvement, and the issue here is LCP or page loading performance.

The goal is 2.5 seconds on mobile, and this URL has an average LCP of 2.9 seconds, so this shows clear room for improvement.

If we hop over to the desktop report, here are some examples of poor URLs.

This one has a CLS issue, which means that the website is loading in a way that changes the site’s physical structure too often.

The goal for this is 0.25, and this webpage has a CLS of 0.55. It also says that 472 URLs are affected by this same issue, so this website owner has a lot of work ahead of them to get this fixed.

Core Web Vitals CLS Issues

I’m a big fan of these reports’ transparency because Google makes it easy to locate the problem and fix it.

You can even click the “validate” button when you think you’ve fixed the problem, and Google will verify your progress and update the report.

How to Track Your Website’s Core Web Vitals

Tracking your Core Vitals is as simple as going into the search console and looking at each web property on a case-to-case basis. You’ll want to go in and play around with this to see where you stand.

How to Improve Core Web Vitals

Once you’ve pulled your report, it’s time to make some changes.

You’ll be able to improve the LCP by limiting the amount of content you display at the top of the web page to the most critical information. If it’s not critically important to a problem that the visitor is trying to solve, move it down the page.

Improving FID is simple, and there are four primary issues you’ll want to address:

  1. Reduce third-party code impact: If you have a bunch of different processes happening simultaneously, it will take longer for the action to start working.
  2. Reduce JavaScript execution time: Only send the code your users need and remove anything unnecessary.
  3. Minimize main thread work: The main thread does most of the work, so you need to cut the complexity of your style and layouts if you have this issue.
  4. Keep request counts low, and transfer sizes small: Make sure you’re not trying to transfer huge files.

Improving CLS requires paying attention to size attributes and video elements on all media. When you allow the correct amount of space for a piece of content before it loads, you shouldn’t experience any page shifts during the process.

It also helps to limit transform animations because many of them will trigger layout changes, whether you want them to or not.


Core Web Vitals and SEO go hand-in-hand, and we all know that we can’t ignore any single ranking factor if we want to beat out our competition and keep our rankings.

Do we know exactly how much of an impact core web vitals have on our ranks? No, we don’t. But Google is paying a lot more attention to the on-page experience.

Is your website following best practices for Core Web Vitals? Let us know!

The post How Core Web Vitals Affect Google’s Algorithms appeared first on Neil Patel.

Top 20 Budget Travel Podcasts You Must Follow in 2020

Top 20 Budget Travel Podcasts Contents [show] ⋅About this list & ranking Budget Travel Podcasts Extra Pack of Peanuts Travel Podcast Zero To Travel Podcast The Alternative Travelers Podcast The Budget Mouse | A Disney Podcast Melanin & Miles Travel Podcast The Thought Card Podcast Büdgét with Mars and Neeter The Poor Traveler Podcast Tips and Tricks […]

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Top 10 Handyman Podcasts You Must Follow in 2020

Top 10 Handyman Podcasts Contents [show] ⋅About this list & ranking Handyman Podcasts Sometimes Spouse Podcast The Handyman Hotline’s podcast Handyman Pros Radio Show You can, man. Fix It 101 Podcast the Handyman podcast The Essential Handyman Podcast The Handyman Journey Helpful Handyman Podcast The Handyman Business Coach Podcast Submit Blog Do you want more traffic, leads, […]

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How to Build Business Credit Quickly in a Recession: Tips for Long Haul Truckers

Given how the world has changed due to the novel coronavirus, you might be busier than ever. Trucking and deliveries are essential services, no matter what. The US is sliding into what is looking a lot like an inevitable recession. So you could be sitting in the veritable catbird seat. This could be the perfect time to build business credit quickly in a recession.

Long Haul Truckers: Here’s How to Build Business Credit Quickly in a Recession

Who needs business credit for trucking? We can help you get it. Here’s how to build business credit quickly in a recession.

Why, exactly, do you need business credit for trucking? We’ve got the answers here – business credit works for all business and not just traditional companies!

Business Credit for Trucking: Why get Business Credit in the First Place?

If you’ve got an EIN, then the IRS says you’ve got a business. But if you only have personal credit, then you’ve got a problem. And you’ll be accountable for your business’s debts, its tax bills, and its bankruptcy, if that happens. You don’t want this. Separate business from personal credit and it won’t.

And specifically, fleet credit will precisely help your trucking business. And gasoline credit cards will, too. We all know how pricey it is to fill up these days.

Building Business Credit for Long Haul Trucking: The Benefits

Business Credit is credit obtained in a business’s name. With business credit the firm builds its own credit profile and credit score. With an established credit profile and score, the company will then qualify for credit.

Since the business gets approval for the credit, in some cases, there is no personal credit check necessary. The business can use its credit to get approval for retail credit cards.

These come from places like BP, Sunoco, Exxon, Shell, Ford, RGS Fleets, Walmart, even MasterCard, Visa, and AMEX. Additionally the company can use its credit to get approval for fleet credit for repair and maintenance of business vehicles including semis. And the firm can also qualify for lines of credit and loans.

How to Build Business Credit Quickly in a Recession: Start With Business Credit Profiles

A credit profile can be created for a business which is utterly independent from the firm owner’s personal credit profile. This offers firm owners two times the borrowing power as they have both personal and business credit profiles.

A business owner can get credit much more quickly using their business credit profile rather than their personal credit profile. Approval limits are much higher on business accounts as opposed to personal accounts. According to the SBA, credit limits on business cards are usually 10 – 100 times higher than for consumer credit.

How to Build Business Credit Quickly in a Recession: Get a PAYDEX Score

Dun & Bradstreet’s Business PAYDEX scores come from payment history.

But personal credit scores come from 5 factors:

  • payment history (35%)
  • utilization (30%)
  • length of credit history (15%)
  • accumulation of new credit (10%)
  • and credit mix (10%)

When done right, business credit can be established without a personal credit check and irrespective of personal credit quality, without any personal credit reporting of business accounts. Most business credit may be obtained without having the owner assuming personal liability, or a personal guarantee.

How to Build Business Credit Quickly in a Recession: Defend Your Assets

Hence in the event of default, the company owner’s private assets can’t be attached. When a business owner applies for financing, their business credit is under review. Not having business credit built will get an owner declined for funding. There are no regulations requiring lenders to notify the business owner for their reason for rejection, so many never know.

Virtually any company can get business credit so long as it has an EIN number and entity set up. You do not need to have collateral or financials. Your firm can be a startup company. You simply need to understand the proper building steps. All highly-successful firms have business credit; it’s a “rite of passage” to ever attain real success.

A firm starts developing a brand new credit profile almost the same as a consumer does. The business starts off with no credit profile. The company gets approval for new credit which reports to the business CRAs. Then the company uses the credit and pays the bill promptly. A favorable business credit profile is established.

As the business continues using credit and covers bills promptly it will get approval for more credit.

How to Build Business Credit Quickly in a Recession: Developing Business Fundability

The understanding lending institutions, retail merchants, and creditors have of your company is important to your ability to establish strong business credit. Before making an application for business credit a firm must properly insure it meets or surpasses all lender credibility specifications. There are over 20 credibility points that are needed for your business to have a solid, reputable foundation.

It is essential that you use your exact business legal name. Your full firm name should include any recorded DBA filing you are using. Make sure your company name is precisely the same on your corporation papers, licenses, and bank statements.

How to Build Business Credit Quickly in a Recession: Corporate Entities and EINs

You can build business credit with virtually any type of corporate entity. If you truly wish to separate business credit from personal credit your business must be a separate legal entity. Hence it cannot be a sole proprietor or partnership.

Unless you have a separate business entity (Corporation or LLC) you might be ‘doing business’ but not truly ‘a business’. You need to be a Corporation or an LLC to differentiate personal from business.

Whether you have employees, your business entity must have an EIN. Your EIN is used to open your bank account and to establish your business credit profile. So take the time to verify that all agencies, banks, and trade credit vendors have your business on file with the exact same EIN.

How to Build Business Credit Quickly in a Recession: Business Addresses, Phone, and Fax Numbers

Your firm address must be a genuine brick-and-mortar location, with a deliverable physical address. It cannot be a home address, a PO Box, or a UPS address. Some lending institutions will not approve and fund unless these requirements are met.

Virtual Addresses

However, virtual addresses are terrific business address solutions. For address only, you will receive mail and packages at a dedicated business address. For a virtual office, you get a professional business address, and dedicated phone and fax numbers. And you also get receptionist services and part-time use of fully furnished offices and conference rooms.

And for a genuine office, you’ll have your own full-time private office with receptionist services, dedicated phone and fax, internet, full furnishings, conference rooms, and more.

Phone Numbers

You must have a dedicated firm phone number listed with 411 directory assistance, under the company name. Lenders, vendors, creditors, and even insurance providers will validate your business is listed with 411. A toll-free telephone number will give your company credibility. But you need to have a local business number for a listing with 411 directory assistance.

Lenders view 800 number or toll-free phone numbers as proof of business credibility. Even if you’re a solitary owner with a home-based business, a toll-free number makes you seem like an even bigger business. It’s very easy and affordable to set up a virtual local telephone number or a toll free 800 number.

A cell or home telephone number as your main business line could get you flagged as a non-established firm. And this is too high of a risk. Do not give a personal cell phone or home phone as the company phone number! You can forward a virtual number to any cell or land line number.

Fax Numbers

Lenders also feel a firm is more legitimate if it has a fax number. As a business you will need a fax number to receive important documents. You will also need it to fax in some of your credit applications. You can set up an e-fax going directly to your email.

How to Build Business Credit Quickly in a Recession: Business Websites

You will also need a business website. Credit providers will research your business on the net. It is best if they discovered everything directly from your business website. Not having a website will significantly damage your chances of getting business credit.

There are many places on the internet offering inexpensive company websites. That way, you can have an internet presence displaying an overview of your firm’s services and contact information.

Plus, it is critical to get a company email address for your company. It’s not only professional, but significantly helps your chances of getting an approval from a credit provider.

Setting up a business email address is just too simple and inexpensive to overlook. When it concerns your business email, never use free email services like Yahoo and Hotmail. The email address should be at

How to Build Business Credit Quickly in a Recession: Business Banking and Licensing

Your company banking history is important to long term success in getting more substantial business loans. The date you establish your business bank account is the day loan providers consider your company start date. So this is no matter when you incorporated or hit any other business milestone. The longer your business banking history, the better your borrowing potential is.

Having a high account balance is crucial in obtaining an excellent Bank Rating. And a good Bank Rating is essential for loan approval later on. Try to keep a bank balance of $10,000 or more for a 5 Bank Rating. In that way, you are more likely to get approval for loans eventually.

State Licensing

A common mistake when developing credit for a firm is non-matching business addresses on the business licenses. Even worse is not having the licenses necessary for a trucking company to operate legally.

Contact the State, County, and City Government offices. And see if there are any requisite licenses and permits to operate your trucking business. This includes your commercial driver’s license. Your business filings must be correct at state, county, and city levels. Plus your IRS filings must have correct listings.

How to Build Business Credit Quickly in a Recession: Company Listings

Also confirm main agencies (State, IRS, Bank, and the 411 national directory) list your company the same way. And with your precise legal name. Also make certain every single bill you get lists your business name correctly and comes to your company address.

How to Build Business Credit Quickly in a Recession Credit Suite

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

How to Build Business Credit Quickly in a Recession: Get a D-U-N-S Number

Make sure your firm is listed with Dun and Bradstreet. If it isn’t, then get a D-U-N-S Number. This number starts the process of developing your business credit profile with them. Your D-U-N-S number will also play an important role in allowing your company to borrow without a personal guarantor. You can get your D-U-N-S number here: And you can also enroll for the DNBi SelfMonitor to monitor your credit. A subscription is $39-99/ month.

And check out the lowest-price monitoring – we can save you 90%!

How to Build Business Credit Quickly in a Recession: Get Your Other Business Credit Reports

Our business finance suite includes monitoring.

Don’t want to take the plunge yet? Then visit for a copy of your Experian Smart Business report. Learn how many trade lines are reporting and see if you have a business credit score assigned. See if you have an active Experian Business Profile and check on recent inquiries.

Buy a copy of your Equifax Small Business Credit Report here:

Business Credit for Trucking: Start with Vendor Credit

This is the beginning of business credit for trucking companies.

It is when a vendor extends a line of credit to your company on ‘Net 15, 30, 60 or 90’ day terms. This means you can buy their products or services up to a maximum dollar amount. And then you have 15, 30, 60 or 90 days to pay the bill fully.

So if you have Net 30 terms and buy goods today, then repayment is due in the next 30 days. Get products for your business needs. Then postpone payment on those for 30 days, thereby easing cash flow. Some merchants will approve a firm for Net 30 payment terms upon verification of as little as an EIN and a 411 listing.

True Starter Vendors

We have a great list of starter vendors here:

Be sure to apply first without using your Social Security Number. Some vendors will request it and may even tell you on the phone they need to have it. But submit first without it. Keep in mind: A Social Security Number is required for business loans but not for initial vendor credit building.

Some vendors require an initial prepaid order before they can authorize your firm for terms. Your first Net 30 account will report your trade line to Dun and Bradstreet. Then the D-U-N-S system will automatically activate your file if it isn’t already. This is also true for Experian and Equifax.


Uline is a true starter vendor. You can find them online at They offer truck stops and ramps and more. And they report to Dun & Bradstreet and Experian. You MUST have a D-U-N-S number and an EIN before starting with them. They will ask for your corporate bank information. Your business address must be uniform everywhere. You need for an order to be $50 or more before they’ll report it. Your first few orders might need to be prepaid initially so your company can get approval for Net 30 terms.

Crown Office Supplies

Crown Office Supplies is an additional true starter vendor. You can find them online at They sell a variety of office supplies, so be sure to use them for the inevitable paperwork you’ll need to generate. And they report to Dun and Bradstreet, Experian, and Equifax.

There is a $99.00 yearly fee, though they do report that fee to the business credit reporting bureaus. For other purchases to report, the purchase needs to be at least $30.00. Terms are Net 30.

Grainger Industrial Supply

Grainger Industrial Supply is also a true starter vendor. You can find them online at They sell hardware, power tools, pumps and more. They also do fleet maintenance. And they report to D&B. You need to have a business license, EIN, and a D-U-N-S number.

Your business entity must be in good standing with the applicable Secretary of State. If your company does not have established credit, they will require additional documents. So, these are items like accounts payable, income statement, balance sheets, and the like.

Apply online or over the phone.

Help Yourself with On-Time Payments

Repay all Net 30 vendor accounts in full and promptly. Be patient and allow time for the vendors’ reporting cycles to get into the reporting systems.

It commonly takes 3 cycles of Net accounts reporting to develop credit scores. Most merchants and major retailers offer business credit, but don’t publicize it. But there is no benefit to the merchant to promote credit without personal liability. So this is, if a business owner agrees to take on that liability. So they do not promote their business credit cards and frequently demand an SSN.

You must have a total of at least 3 Net 30 day pay accounts reporting, to move onto more credit.

Business Credit for Trucking: Get Store Credit

Store credit comes from a variety of retail service providers.

You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the business’s EIN on these credit applications.

How to Build Business Credit Quickly in a Recession Credit Suite

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

Business Credit for Trucking: Getting Fleet Credit

Fleet credit is from companies where you can buy fuel, and repair and take care of vehicles. You must use your Social Security Number and date of birth on these applications for verification purposes. For credit checks and guarantees, make certain to apply using the business’s EIN.

Business Credit for Trucking: Going Beyond Fleet Credit

As you keep building more business credit, you’ll get approval for more high-limit accounts. Many loans will ask for a personal guarantee and credit check for approval. Being responsible with fleet credit will lead straight to getting vehicle financing and more universal cash credit.

These are businesses such as Visa and MasterCard. You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.

These are commonly MasterCard credit cards.

Business Credit for Trucking: Our Credit Line Hybrid

This is one more practical option. Unsecured credit is not secured with collateral. Good personal credit gets you unsecured credit cards with a personal guarantee; this normally means a 685 score or better. Good business credit gets you unsecured credit cards without any personal guarantee. The amount you can finance is often remarkably high. As in $10,000 – 50,000. And you can get it in 1 – 4 weeks.

You can also get cash flow-based lending; these are short term loans of 6 – 18 months, with amounts as much as $1 million. The loan amounts are equal to 8 – 12% of annual revenue, with rates of 10 – 45%. A 520 credit score is accepted, but good bank statements are required.

Our hybrid credit line could be perfect for you.

Business Credit for Trucking: Revenue Loans and Lines

A revenue loan (or revenue-based loan) is an alternative kind of loan. In contrast to a bank loan, it doesn’t require collateral or substantial assets. And unlike angel investing or venture capital, the money isn’t turned over for a portion of the business. Rather, the loan (or credit line) is repaid as a percent of incoming revenue. See:

Revenue-Based Financing Details

The lender (investors, really) will take an equity warrant. So this means they have a fixed price if they want to buy stock in the business. And that goes until an expiration date. And the business owner does not need to back the loan with their own personal assets. There is no valuation on the company’s assets.

All that is needed:

  • The company needs to be producing revenue
  • It needs to have good gross margins to be able to afford the payments

One way to get revenue-based financing is via crowdfunding platforms. The interest you pay is often a tax deduction for the firm. Costs tend to be more than for traditional bank loans. It’s not for early stage startups, by definition. But it may be a decent choice for a firm about 2 – 4 years old. So this is one with revenue coming in but banks still aren’t providing loans.

recession truckers Credit Suite

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


So our preferred provider is Fundbox. It’s a suitable option for short-term financing. The gist is you borrow on a line of credit to be repaid every week for up to 12 weeks. This is done via automatic deductions from your business bank account. $1,000 – $100,000 is available. There are no minimum credit score requirements.


  • Six or more months in business
  • Yearly revenue of $25,000 or greater
  • The company must have business checking account

Find them online at:

Business Credit for Trucking: Takeaways

You have a lot of options when it comes to getting business credit for trucking companies. The recession cannot last forever. And in the meantime, you can be helping yourself and your business right now.

The post How to Build Business Credit Quickly in a Recession: Tips for Long Haul Truckers appeared first on Credit Suite.

The Muse (YC W12) Is Hiring an Email Marketing Coordinator

Article URL: Comments URL: Points: 1 # Comments: 0

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New comment by olie_h in "Ask HN: Who is hiring? (November 2020)"

Wednesday | Multiple Positions | Pune, India (ONSITE generally. REMOTE during covid) | Full Time Wednesday is a Software Consulting company based in Pune, India. We’re a team of engineers, designers, project managers, and marketers that work together like a well oiled machine. We are growing rapidly and are looking for designers and engineers with …

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How to Rock Out Streetshares Recession Financing

The recession is officially here, and that means finding financing for your business is going to be more challenging than ever.  It is possible however.  Check out Streetshares recession financing for example.

A Comprehensive Review of Streetshares Recession Financing Options

Funding is a huge obstacle for virtually every small business, especially in a recession. It can seem as if there is almost never enough. This is why having more than one option when it comes to small business funding in a recession is vital. Most assume the first stop is a traditional bank or credit union. That isn’t always possible however. Sometimes you need to research alternative options. This is exactly what Streetshares recession financing is.

Traditional lenders rely heavily on personal credit scores and are not set up to specifically help small businesses thrive. There are some non-traditional lenders that, while still acknowledging risk reduction is essential, know small businesses are a different breed needing special help.

Because of this, they are willing to take other factors into consideration rather than relying so heavily on the personal credit. Factors such as business credit, time in business, annual business revenue, and more can come into play.

Is Streetshares one of those companies? In some ways yes, it is.  In other ways, not really.

Find out why so many companies are using our proven methods to improve their business credit scores, even during a recession.

What is Streetshares?

Streetshares is an online small business funding service offering much more than traditional loans. It all began in 2013 when Mark Rockefeller and Mickey Konson both agreed a small business financing solution for everyday small business owners was necessary. The idea for Streetshares was born.

The idea was to create a lender which would offer small business solutions for veterans and their communities. Today, Streetshares offers financial products to all types of small businesses. While you do not have to have military or veteran affiliation to take advantage of these products, they do maintain their dedication to their military and veteran roots.

What Products Do They Offer?

Streetshares offers a variety of recession financing products with fast application processes and funds deposited almost immediately. There is never a prepay penalty, and the credit check is a soft one, so there is not an impact on your credit score for applying.  This is a huge plus when it comes to financing during a recession.

Streetshares Recession Financing Products

Term Loans– These are lump sum, traditional style loans. They run from $2,000 to $100,000 with terms from 3 to 36 months.

Patriot Express Line of Credit– A revolving line of credit for amounts between $5,000 and $100,000. You draw only what you need, when you need it, and only pay interest on what you used. Terms run from 3 to 36 months.

Contract Financing– An advance on contract invoices. You can receive up to 90% of the total of unpaid invoices on a contract, and Streetshares will collect from the contractor. The beauty of this is you get your cash right away, without having to wait for customers to pay their invoices.

Factoring– Similar to contract financing, accounts receivable factoring allows you to collect a portion of your receivables from Streetshares, while they collect the total amount from those who owe you. This allows you to receive your funds immediately without having to worry about collections.

Our comprehensive Streetshares review revealed that this is a flexible product rather an a one-size fits all. The company lets the borrower determine how many and which invoices to factor in the way best suiting their needs. The business does not have to factor all invoices.

You may be wondering how your credit score will react when you apply for a loan. With most lenders, you credit score can drop some due to the credit check made by the lender. However, while we were doing our Streetshares review, we learned they do a soft pull when they check your credit score, so your credit isn’t affected at all by the application.

Find out why so many companies are using our proven methods to improve their business credit scores, even during a recession.

Streetshares Recession Financing: Repayment

They deduct a set amount from your bank account weekly, so repayment is easy peasy. They also do not have a prepayment penalty, so if you want to pay ahead, you can totally do that.

Other Services: Investment Products

Veterans Business Bonds– These bonds pay a flat 5% interest rate with as little as $25 to start. You can withdraw from the bond in the first year with a 1% fee, and after one year can access your funds at any time without a fee.

Streetshares Pro Investing– If you choose, you can let the Streetshares pros build a portfolio that will help you reach your financial goals.

Financing Application and Requirements for Streetshares Recession Financing

Online application for Street Shares recession financing is quick and easy. If you want or need personal help, you can call and speak with a qualified professional who will walk you through the process. Approval typically comes the same day as application, and funds can be in your account within 3 days.

The basic loan pre-approval qualification requirements are:

  • United States citizenship
  •  At least one year in business (in some cases 6 months is enough)
  •  Minimum required earnings
  •  Business guarantor with reasonable credit

When you apply, you will need to have the following information ready:

  • Business owner’s social security number
  • EIN
  • Total outstanding business debts
  • 6 months of the most recent bank statements
  • Most recent business and personal tax returns

In some cases, financial statements may also be required for Streetshares recession financing. These would include the Profit and Loss statement, the Balance Sheet, and other information as requested. If you use QuickBooks Online, their system can review your financial information directly from there, making the process even faster!

What About Closing Costs?

Streetshares changed how they accounted for closing costs mid-2018. Previously, these fees came from funds before they went into the borrower’s account.

The new policy allows for the disbursal of all funds to the borrower, who is then allowed to either roll closing costs into the payment, or pay them back immediately. Streetshares says they made this change to allow borrowers to receive all their funds and have more control over how they used the money based on the needs of their individual business.  This is a huge plus for Streetshares recession financing.

Other Perks

There are a few exceptional benefits to being a Streetshares member.


Members of Streetshares enjoy discounts at various retailers. These include but are not limited to discounts on bookkeeping services, services offered by Amazon, and combat attire.  In a recession, every penny counts, right?

Best Price Guarantee

When it comes to Streetshares recession financing, they are serious about offering the best deals and rates when it comes to small business funding. In an effort to do just that, they guarantee they will beat or match a competitor’s offer, or give you a $100 gift card. Here are the details: 

  • You must have a loan offer from Streetshares that has been fully underwritten.
  • You must also have an approved and underwritten offer from one of the lenders listed below.
  • There will need to be proof of the competitor’s offer.

This only applies to online lenders. These are defined as lenders that:

  • Are not a bank, credit union, CDFI, or thrift
  • Operate as a for-profit lending agency
  • Are not a brokers or ISOs (Independent Sales Organizations)
  • Provide Merchant Cash Advance products or is one of the lenders in the following list:
    • Strategic Funding
    • YellowStone
    • BFS capital
    • SOS capital
    • IOU Central
    • BOFI
    • EBF partners
    • Flash Advance
    • LoanMe
    • Ondeck 
    • Kabbage
    • Swift Capital
    • Breakout Capital
    • PayPal LoanBuilder   
    • Principis capital
    • Par Funding
    • National Funding
    • Quick Bridge Funding
    • Business Backer
    • Advance Capital
    • Mulligan Funding Knight Capital
    • 1st Global Capital
    • SFS Funding
    • Itria Ventures
    • EIN CAP
    • Pearl Capital
    • Prime Meridian

They must also, of course, provide small business lines of credit or loans as part of their normal operations.

Brass Tacks of the Best Price Guarantee

After reviewing your offer, Streetshares will generate an Annual Percentage Rate (APR) for the costs of your Streetshares offer in an effort to give you a fair comparison. They will then offer lower fees, a lower interest rate, or make other changes to their offer to beat or match that of the competitor.

Find out why so many companies are using our proven methods to improve their business credit scores, even during a recession.

If they, for some reason, cannot beat or match the offer, they will give you a $100 Amazon gift card.

Streetshares Foundation

We would be remiss if we didn’t talk about the Streetshares Foundation along with Streetshares recession financing. The foundation’s mission is to encourage and support veteran small business owners. In keeping with this, they present a grant to 3 veteran-owned businesses each year.

There are three prizes as follows: 

  • 1st Place: $15,000
  • 2nd Place: $6,000
  • 3rd Place: $4,000

To apply, a business must meet the following requirements:

  • The applicant has to be a veteran or reserve or active duty member of a branch of the United States Armed Forces, or a spouse of an armed forces member.
  • They must be at least 21 years old.
  • The business must be legally incorporated or a formal partnership or sole proprietorship.
  • There must be some sort of social impact on the veteran or military community either in conjunction with or in addition to the primary business function.

The foundation will choose 5 to 10 finalists based on the social impact, business idea, how they will use award funds and the social impact of that use, fit of the product market, and the history of the team and the company.

The final selection process is one of the best parts. Once the finalists are set, they post a list on the website and the public votes on which businesses will receive prizes!

What is “Reasonable Credit? And What if My Credit Isn’t “Reasonable?”

To gain approval for Streetshares recession financing, you need to have “reasonable” credit. It took a little digging around, but it turns out they define reasonable credit as a credit score over 650.

What If My Credit Score Doesn’t Meet that Definition?

There are some steps you can take to improve your score. First, pay your bills on time, every time. You also need to take a look at your credit report. You can do this by obtaining a free copy. Get one annually at no cost.

Review it with a fine-toothed comb. It is even more important to do this during a recession.  If you find mistakes, have them corrected. Do this by submitting the detailed request in writing, with back up documentation of the correct information. Never send originals of backup. Always make copies.

You can also ask those that are not required to report payments to credit agencies to do so. A couple of examples include landlords and utilities. If you are making your payments to them on time, you can ask them to report those payments.

They may say no. It can’t hurt to ask though. If they choose to do so, it could improve your score much faster.

The Better Business Bureau: What Do They Say About Streetshares?

You really can’t talk about a lending company without checking out their profile on the Better Business Bureau. It’s pretty important when considering Streetshares recession financing. As it turns out, they have an A+ rating! There are only two complaints on file, and they are each in reference to unwanted solicitation. The company has responded, and in each case the individual complaining was taken off of their list.

There are 3 reviews on file, and all three relate to the investing option. One is a 3-star rating because there seem to be no financials available for the past 4 years. The last ones are when they first filed with the SEC. The reviewer would like to see how the investment money is being used.

Another 3-star rating is from a reviewer who was not impressed either way yet. They note a few good things and a few not so good things and state they need more time to form an opinion.

The last reviewer gives a 5-star rating and says their investing experience has been “as advertised.”

Do You Need Streetshares Recession Financing?  

It depends.  If you qualify, Streetshares recession financing could be the perfect solution for whatever you need.  The company prides itself on offering fast financing options with little hassle. They have lower interest rates than other online lenders.  Also, while they offer their products to everyone, they take their original mission to use their business solutions to support businesses run by those in the military and veterans seriously.

The main drawback is they are a newer company.  This inevitably causes some kinks, but they seem to be working them out nicely.

(Note: We make every effort to update details regularly but always check the lender’s website for the most up-to-date information on terms, rates, and requirements as these details can change frequently.)

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