Day: February 11, 2021

Joe Biden's Covid Schooling

Rather than reopen classrooms, the new president coasts on his predecessor’s work.

A Vote to Acquit Is a Vote for a Lie

And why didn’t Trump’s supporters in Congress go out on Jan. 6 and speak to the crowds, their people?

25 Home Business Ideas You Can Start Right Now

Are you searching for home business ideas so you can finally quit your nine-to-five? Or maybe you want some extra income to afford your dream trip to Mexico?

Starting a profitable home business begins by looking at your life, your needs, the type of work you want to do, and, perhaps most importantly, your skills.

Here are some of the best work from home business ideas with tips on how to get started, start-up costs, and how much you can expect to make. Read on for some inspiration for possible home business ideas.

25 Home Business Ideas

Here are some of the best home business ideas you can start to earn a bit of extra money on the side or turn into a full-time gig. Check them out, see if any of them fit your skills and needs, and get starting on your journey.

1. Teach Online Courses

Got a teachable skill? Turn it into a profitable home business! You can create an online class on just about anything, whether it’s how to do the splits in 30 days, content marketing, or getting out of debt.

The top advantages of creating an online course are the lures of passive income and time freedom. You only need to record a class once and post it, and you can earn money in your sleep.

  • How to Get Started: Identify profitable skills you have that you’re excited to teach. Before diving in, do some market research to ensure there’s an audience for your product. Additionally, learn about best practices for online teaching.
  • Start-up Costs: The highest upfront cost you’ll need is a hosting platform like Teachable or Kajabi for your course. Prices run between $39 to $119, depending on the provider.
  • Profitability: You can sell an online course for as little as $37 to as much as $4,000 (if you have the audience and social proof).

2. Consultant

You don’t need an MBA to start a home business as a consultant.

You do need subject-area expertise to market yourself as an advisor in that area. Tap into what you’re good at and leverage the results you’ve achieved in your career so far.

  • How to Get Started: You need a niche to become a successful consultant. By honing your knowledge to a particular area, it’s easier to stand out from everyone else and establish yourself as an expert.
  • Start-up Costs: You don’t have any upfront costs besides a computer and access to the internet. However, it’s worthwhile to invest in yourself and continuously study your topic.
  • Profitability: ZipRecruiter states the average pay for work-from-home consultants is nearly $30 per hour, with a typical range of $29,000 to $118,000 per year.

3. Freelance Writing

Want low start-up costs for your home-based business? Start freelance writing.

With no overheads (if you have a laptop), you can put your wordsmith skills to work right away. All you need is a stable Wi-Fi connection, a steady stream of clients, and you can work from home or anywhere in the world.

  • How to Get Started: Decide on your freelance writing niche. Do you want to spend an afternoon typing away about digital marketing? Are you a whiz when it comes to writing sales pages for business coaches? Chances are, there’s a website needing freelancers on just about any topic. Once you know what type of writing you want to do, create a portfolio site and start pitching your services to ideal clients or responding to ads on sites like Problogger.
  • Start-up Costs: All you need to start are a computer and internet connection. You can create a free portfolio website with a website builder like Wix. Alternatively, you can purchase a domain and get a hosting plan with Bluehost.
  • Profitability: Freelance writers can earn as little as $20 per blog post to as much as $400. Some freelance writers, like Jorden Roper, pull in $5000+ per month from their freelance writing business—though the high rollers typically do this full-time and not as a side hustle.

4. Start a Blog

Blogging isn’t the fastest way to make money online, but it can be an excellent source of passive income when done right.

Once you’ve built up a loyal and engaged readership, leverage your audience to sell various products and services.

It’s the strategy I used to become one of the leading voices in digital marketing and grow my online agency.

  • How to Get Started: The first three things you’ll need are a domain name, hosting plan, and WordPress theme. Next, decide on your blog’s niche—Google prefers niche content, and it’s often the best way to become a go-to expert. From there, it’s all about writing great content frequently, choosing the right keywords, and using social media to grow your readership.
  • Start-up Costs: You’ll need a computer, stable internet, a domain name, and hosting.
  • Profitability: Pay varies widely from blogger to blogger and depends on how you’ve set up your site to make money. Ads, affiliate marketing, and sponsored posts are some ways to monetize your website. Once they really get going, many bloggers make between $500 to $2,000 per month within their first year.

5. Virtual Assistant

Almost every online business can benefit from a virtual assistant (VA), making it a potentially lucrative at-home business.

Bloggers, life coaches, copywriters, even Etsy owners need help with tasks. Become a VA and help people manage their overflowing email accounts, schedule out social media posts, and help with mundane digital duties.

  • How to Get Started: You need a specialty and a website to advertise your services. Do you help creatives? Does your expertise lie in managing marketing campaigns? Once you know who you help, the next step is to network and build up your client roster.
  • Start-up Costs: It depends on your niche, but for the most part, you only need a laptop and a stable internet connection.
  • Profitability: Pay varies by skill set and experience but can range from about $15 per hour for entry-level work to $75 per hour for highly-specialized work.

6. Freelance Graphic Designer

Tired of working on graphic design projects which bore you to tears? Take your skills to the freelance market.

While graphic design is a competitive industry, it’s possible to make a full-time salary if you have raving referrals, a forte making you stand out from the crowd, and a strong portfolio.

  • How to Get Started: If you don’t already have graphic design skills, you can sign up for online courses. Once you’re qualified, you can help create designs for flyers, newsletters, infographics, advertisements, icons, logos, and more.
  • Start-up Costs: You typically need to have taken courses in graphic design, and certifications are desirable.
  • Profitability: A graphic designer with medium experience can earn between $45,000 and $55,000 in the US. Skill set, experience, and level of responsibility will affect how much you can charge your clients.

7. Audio or Video Editor

Brands and influencers need help creating audio and video work but don’t always have the time to perfect a high-quality episode or clip.

If you know your way around editing software, you could make a decent amount of money by starting an editing business.

  • How to Get Started: Create a portfolio, pitch your services to brands you want to work with, and keep an eye out for job postings on sites like Upwork.
  • Start-up Costs: You need a subscription to editing software like Adobe Premiere or Adobe Audition, a computer, and access to the internet.
  • Profitability: Podcast and video editors make around $26 per hour or more depending on experience levels.

8. Podcasting

Podcasting isn’t the easiest way to make money from home, but it’s possible if you’re in it for the long haul.

You can monetize your podcast in various ways, such as:

  • selling ad reads
  • affiliate links
  • using your podcast to punt your services/products
  • premium gated content

It takes a lot of time and attention to get a podcast to profitability.

  • How to Get Started: Figure out your podcast’s topic and position yourself as the go-to expert. Create a content calendar to stay consistent with your uploads and use social media to grow your audience.
  • Start-up Costs: You can use your computer’s microphone or invest in one for crisper sound quality. Some podcast software options are free, while others have a once-off or monthly cost.
  • Profitability: New podcasters should expect to make little to nothing while building listeners. However, some popular podcasts earn as much as $100,000 per episode if they play their cards right.

9. Voiceover Artist

Voice acting is one of the only gigs you can do from the comfort of your closet.

Use your voice to record podcast intros, online courses, or narration for audiobooks. The only catch is the investment you’ll need to make to create high-quality work.

  • How to Get Started: It’s a good idea to get training, as it helps hone your craft and can result in valuable networking opportunities. You also need to create a demo showing your skills.
  • Start-up Costs: Invest in a good pair of headphones to hear any unwanted sounds, an excellent microphone, recording software, and a small studio space. You can use a closet and insulated it with heavy blankets to soundproof the room if you can’t find—or afford to build—a studio.
  • Profitability: You can earn between $100 to $1000 per project. Voices has an excellent resource on industry rates broken up by job type.

10. Airbnb Hosting

Airbnb is one of the best ways to make money at home. You can rent out the guest room in your house or even an entire property.

The key to a successful Airbnb listing lies in the experience. You should upload high-quality images and add in amenities like free Wi-Fi to give guests an incentive to book. The more five-star reviews you have, the higher your chances of landing on the first page of search results.

  • How to Get Started: Create an Airbnb Host profile and upload your listing. Once it’s approved, you can start getting bookings for your listing.
  • Start-up Costs: All you need is a computer or a smartphone and a place you can list.
  • Profitability: Frequent Airbnb hosts, on average, make more than $924 per month. This is three times more than many other gig economy workers.
Home Business Ideas - airbnb

11. Home Staging

Start a creative home business like home staging. You can help homeowners and real estate agents sell their properties by creating beautiful spaces.

The main advantages of home staging are:

  • low start-up costs
  • no specialized training required (but a background in interior design is useful)
  • your service is needed whether the market is strong or weak

While there are no costs to use a client’s existing furniture, many home stagers also use a repository of furniture and decor to stage homes.

  • How to Get Started: Learn about the local real estate market and what buyers are looking for in a home. Take the time to network with real estate agents to grow your client list and prepare a portfolio of houses you have staged.
  • Start-up Costs: There are no upfront costs besides putting together a portfolio to start booking gigs.
  • Profitability: Home stagers earn an average of $933 per month. Pay varies based on the home’s size, the number of rooms staged, and hours of work required.

12. Jewelry Making

With the rise of sites like Etsy, it’s easy to find clients and start selling your handmade jewelry. This is often a low investment work-from-home business idea, and you don’t necessarily need crafting skills.

It’s possible to outsource jewelry production or create handmade jewelry that doesn’t require special training or equipment.

  • How to Get Started: The first step is to decide if you want to create fine or fashion jewelry. Each option has its own price point, skill level, and audience. Next, research trends to validate your business idea and ensure you’re creating pieces people want to buy. Lastly, create a website or a profile on a site like Etsy for your creations.
  • Start-up Costs: Your main costs are the materials to create the pieces. It’s a good idea to invest in learning product photography as photos can make or break your online store.
  • Profitability: The price point of your jewelry business depends on your market, your skill level, and the materials you’re using. You can charge $25 to $100+ per piece.

13. Ride-Sharing Driver

Got some time to kill? Sign up as a driver with ride-share services like Uber or Lyft.

It won’t replace a full-time income, but it’s a great way to create an extra revenue stream.

  • How to Get Started: Choose a ride-sharing service and check you meet all the driver requirements. For example, Uber only hires drivers older than 23 with more than a year’s driving experience, a valid license, a clean driving record, and no criminal history.
  • Start-up Costs: You need a car, insurance covering ride-share drivers, and enough free time to meet the minimum of rides each week.
  • Profitability: Ride-share drivers make an average of $8.55 to $11.77 per hour.
Home Business Ideas - Ride-Sharing Driver

14. Food Delivery

Another way to make money in your spare time is through food delivery. Sign up with apps like UberEats, Grubhub, or Postmates and help out with orders.

On some of the apps, you don’t even need a vehicle. You can complete delivery jobs by walking.

Plus, you can make tips on top of your standard rate!

  • How to Get Started: All you need to do is sign up on your preferred food delivery app, complete your profile, and start accepting orders.
  • Start-up Costs: You will need a car or bike to complete deliveries and a smartphone to receive orders.
  • Profitability: Delivery drivers earn an average of $14 to $17 per hour, varying by location.
Home Business Ideas - Food Delivery

15. Personal Chef

A personal chef is an excellent part-time home business idea for someone who loves all things culinary. A personal chef usually prepares meals for busy families, catering for parties, lunches, and special events.

If you market yourself correctly, you can turn it into a full-time hustle and scale your business by hiring other chefs. It’s also a way to test out the waters before launching a full-service catering business.

  • How to Get Started: Decide if you want to focus on a particular type of food or service. For example, are you a vegan chef? Do you only cater to corporate lunches? Next, create a website with your menus and other offerings. Ask your friends for referrals, approach potential clients, or use paid advertising to generate leads.
  • Start-up Costs: You have low start-up costs as a personal chef. The client may provide your cooking supplies, and they reimburse you for the food you need to buy. You only need to factor in transportation and marketing costs.
  • Profitability: You can expect to bring in $40 to $100 per hour. As your client roster grows, so could your income, and you can hire help to expand your reach.

16. Personal Trainer

A personal trainer is a good option if you love fitness and want the flexibility to work at home or from a local gym.

You can set up online classes from your living room, train clients in their homes, or work from a local fitness center. If you get bored of being a fitness instructor, you can use your knowledge to springboard into other things like a health writer.

  • How to Get Started: Before you can start working as a personal trainer, you need a credentialed fitness organization’s qualification. From there, you can approach gyms and advertise your services online.
  • Start-up Costs: Your highest costs are a training qualification, transport to and from your clients, or recording equipment for online classes.
  • Profitability: There is a wide range of pay for personal training. The amount you make each month is dependent on how many clients you have on your roster and what fees you have to pay the gym.

17. Tax Preparer

Tax season is a headache for freelancers, entrepreneurs, and businesses. Most would rather pay someone else to deal with their tax returns and all that comes with them.

The downside? You’ll mostly have work during the three-month tax season and may need to find other options if you want to run a home business year-round.

  • How to Get Started: The first step is applying for a preparer tax identification number (PTIN). Other requirements include a state license or an electronic filing identification number (EFIN).
  • Start-up Costs: You’ll need to have a working knowledge of how to file tax returns in your state or country. Other costs include accounting software and marketing your business.
  • Profitability: The amount of money you can make is dependent on the type of clients you have and how many you can handle. A first-year tax preparer can expect to make between $30,000 and $50,000.

18. Accountant

While you need to have an accounting background, this can be a lucrative home business. You can help freelancers or businesses with income statements and other financial reports on a monthly, quarterly, or annual basis.

  • How to Get Started: After you have training and qualifications in accounting, look for work through remote job board sites or use online marketing tactics to attract clients.
  • Start-up Costs: You need a qualification in accounting, a computer, internet access, and accounting software.
  • Profitability: You can earn $20 to $50 per hour, with rates potentially increasing as your experience grows.

19. Dog Walker

The “ultimutt” home business idea for animal lovers is dog walking.

While you do leave your house to do your work, you still run everything out of your home for this business.

Besides, hanging around with adorable pups, it’s a low barrier to entry business. Once you have clients, all you need are your legs to hit the pavements and start making money.

  • How to Get Started: Licensing and insurance are the two most important things you’ll need to figure out. You can sign up with companies like Rover to find clients or use word of mouth marketing to grow your business.
  • Start-up Costs: Marketing your business and insurance.
  • Profitability: According to Glassdoor, dog walkers make between $15 to $24 per hour.

20. Pet Sitting

Are you looking for home business ideas with hardly any start-up costs? Try pet sitting.

You get all the benefits of having a pet without the commitment.

Pet sitters babysit animals for owners who are away for long or short periods. You’re responsible for feedings, grooming, cleaning out litter boxes, and spending time with the animals.

  • How to Get Started: Join sites like Rover to create a profile and start applying for jobs right away, which are a good fit for your schedule.
  • Start-up Costs: There aren’t any formal qualifications, but you’ll need an insurance plan and to get bonded. This protects your clients by giving them money if you make off with their belongings.
  • Profitability: According to Rover, their pet sitters can make up to $1000 per month.
Home Business Ideas - Pet Sitting

21. Photographer

You can make money as a photographer in several ways. It’s also possible to scale your business by hiring assistants if you have enough work.

Most photographers specialize in one area like weddings or product photography. By choosing a focus, it could be easier for clients to find you and for you to demonstrate your skills.

  • How to Get Started: Take photography courses to learn everything you can about the art. Ask friends and family to let you take photos for free to build up your portfolio. Once you’re confident with your skills, you can create a portfolio site and start marketing your skills.
  • Start-up Costs: You will need to invest in photography courses, a professional camera, high-quality lenses, and editing software like Adobe Lightroom.
  • Profitability: How much you make depends on your niche and how much time you have for client work. For example, wedding photographers can charge $1000 to $10,000 in the U.S.

22. Gift Basket Service

Are you the creative type with a knack for curating items to a theme? Then a gift basket service is the perfect home business idea for you.

If you already create products like soaps or hand lotion, you can create a gift basket around it to boost your revenue. If you don’t currently have skills like those, you can learn or find other unique items made by others to package together.

  • How to Get Started: Think about what you would like in a gift basket and use that to guide your choice of items. Are you a fan of clean beauty products, or do you love the Marvel cinematic universe? The next step is to source your products and start promoting your gift basket online.
  • Start-up Costs: Sign up for a site like Shopify to manage your online sales. Shopify plans start at $29 per month and simplify the e-commerce process. You’ll need to buy supplies for gift baskets as well as packaging and shipping supplies.
  • Profitability: The price of your gift basket depends on the total costs of the goods, your mark-up and tax. You can sell your basket for as little as $50 to as much as $150+.

23. Translation Services

If you’re fluent in two or more languages, you can turn your linguistic skills into a translation home business.

All you need to get started is a computer. You can start building your client list part-time and transition to a full-time gig as your experience and workload increases.

  • How to Get Started: Although it’s not required, you can become a certified translator with the American Translators Association. Find remote work gigs on sites like Upwork and TranslatorsCafe.
  • Start-up Costs: You need to have a computer and access to the internet.
  • Profitability: With the world becoming a more connected place, translation services are in demand. You can earn around $60,000 per year with an $18 per hour rate if working full-time.

24. Private Tutor

If you’re a college student, stay-at-home mom, or retiree, private tutoring can be a great home business idea. You can offer your services remotely or in-person and set your hours.

Some private tutors focus on a particular subject, while others do general homework help. Teaching English as a second language online is also becoming increasingly popular.

  • How to Get Started: You don’t need a teaching qualification, but you need extensive knowledge in an area if you choose to focus on a specific set of topics. Other options include signing up to online platforms like VIPKid,, Chegg, and advertising at schools and universities.
  • Start-up Costs: If you’re teaching in person, you need to factor in transportation costs. You might also need to buy teaching materials and create worksheets for your students.
  • Profitability: You can earn anywhere from $12 to $30 per hour depending on what you teach, if you work for a company, and your level of experience.

25. Private Music Teacher

If you know your way around an instrument or the ins and outs of singing, becoming a private music teacher is a way to make money from home or turn it into a full-time gig.

Then there are the benefits: You get to set your hours, work as little as three to four hours a day, and could turn it into an online business with virtual lessons.

  • How to Get Started: While you don’t need a degree or qualifications—though they help—you need an above-average knowledge of music and the instrument or vocal techniques you teach and an understanding of how to communicate effectively with learners. You can find clients through word-of-mouth, using sites like Craigslist, or advertising at local music stores.
  • Start-up Costs: Depending on what you’re teaching, you might need extra instruments and transport to your clients. If you’re teaching online, a subscription to a service like Zoom and a stable internet connection are required.
  • Profitability: Private music teachers can earn as much as $50 to $75 per hour. You can scale your business by creating pre-taped online courses and teaching more students without sacrificing your time.


Once you know what home business you want to start, it’s time to put in the work! Keep honing your skills and mastering self-marketing on sites like Facebook and Instagram, and you could find yourself making some good money through your own home business.

Have you successfully started your own home business? Tell us all about it!

The post 25 Home Business Ideas You Can Start Right Now appeared first on Neil Patel.

Top 10 The Washington Post Podcasts You Must Follow in 2021

Top 10 The Washington Post Podcasts Contents [show] ⋅About this list & ranking The Washington Post Podcasts Post Reports Can He Do That The Daily 202’s Big Idea Cape Up with Jonathan Capehart Washington Post Live Capital Weather Gang Presidential All Told Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if […]

The post Top 10 The Washington Post Podcasts You Must Follow in 2021 appeared first on Feedspot Blog.

Podcasts by Popular News Publications

Podcasts by Popular News Publications Podcasts by Popular News Publications   USA News Podcasts USA Today Podcasts CNN Podcasts New York Times Podcasts Fox News Podcasts ABC News Podcasts New York Post Podcasts CBS News Podcasts Yahoo News Podcasts KTLA5 Podcasts Politico Podcasts The Intercept Podcasts Denver Post Podcasts WTOP Podcasts MPR News Podcasts The […]

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How Long Does It Take to Build Business Credit?

Wondering How Long Does It Take to Build Business Credit?

If you need to know how long does it take to build business credit, then look no further.

What is Business Credit?

Business credit is the credit capacity of a business. It is independent of its owners. Hence your personal credit and business credit scores can be radically different. Built correctly, business credit preserves your personal assets as they are never put on the line. But you must build business credit proactively – it doesn’t just happen.

How long does it take to build business credit? Business credit building is a process. But it doesn’t have to take forever. You may be seeing figures like three years thrown around. While it can be helpful to be in business for that long, you can build a good business credit profile and score long before that.

How Long Does It Take to Build Business Credit? The Truth is, Business Credit Building Process Needs to Be Faster

Three years really isn’t acceptable. According to the US Bureau of Labor Statistics, only about 60% of all businesses survive to celebrate their third anniversaries. For 4 out of 10 new businesses, three years is too late. Let’s make sure your business isn’t one of them. See

Speeding Up the Business Credit Building Process

This process is proven to work, so you won’t waste time on strategies which are unconfirmed. And you won’t get frustrated with avoidable denials and delays. Following the steps in order will also take advantage of building toward a goal, and it will give you actions to take while awaiting the passage of time. Because being in business for three years will be helpful! But you can act while those calendar pages flip.

Your Business Name

Yes, your business name matters! Keeping the name of a risky industry in your business name is only going to invite denials. A risky industry is generally one with more cash transactions than the norm, or there’s a high risk of injury on the job (to workers or even customers).

Gambling fits under the first definition, and construction fits under the second. There’s nothing misleading or unethical about calling your company X & Q’s rather than X & Q Construction. Everything stems from your business name, so start here. 

How Long Does it Take to Build Business Credit Credit Suite

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit, even in a recession.

Your Business Phone Number

Your business phone number will go on your website, your business cards, and all advertising. So it should be your second stop. Using a cell or home phone is going to be problematic, so don’t do it.

Cell and home phone numbers will generally get your business flagged as not being established. This is going to trigger denials. A separate phone number is vital. Fortunately, you can use voice over internet protocol (VOIP). That means you can have your business number ring any device, like your landline or cell phone.

Toll-free numbers are helpful for getting business and showcasing professionalism. These are 800 area code or the like. Your phone number also needs a listing.

Lenders, vendors, and other credit providers will be looking for your phone number, so will your prospects. So make it findable! You can get it on 411 by using

Get a Proper Business Address

Just like your business phone number, your address will go on marketing materials, loan applications, and more. A home address will get it flagged as unestablished. The same is true if you use a UPS box or PO box.

You need a brick and mortar address. It has to be a place where mail can be delivered. Lenders, credit providers and more will check out your business on Google Street View. If they spot it’s a home address, then you’re inviting denials. And there’s no good reason to do so!

A virtual office is a great solution. It’s far less expensive than renting office space. So if you don’t need an actual office, it can work out rather well. Virtual offices are available in all 50 states and DC.

Here are three virtual office providers we love: Alliance, Da Vinci, and Regus. You can buy packages which include clerical services, mail forwarding, the use of conference rooms, and more. Your business can look far larger than it truly is.

Your Business Website

Credit providers, vendors, and the like will be looking for your business online. A business website is a way you can control the narrative and put your best foot forward. Your business website is one place where the following will be listed: business name, address, and phone number. This is why we suggest squaring those away beforehand, it’ll save you time.

A professional website won’t just impress lenders and credit providers. It will also impress prospects and clients. A great website can help with sales even if you don’t sell online. It is a worthwhile investment to create a good one. Get help from a place like Upwork or Fiverr to get set up and have a logo made.

Buy hosting from a provider like GoDaddy. Don’t use a prepackaged solution like Weebly or Wix. You want your website to be or, not This helps to further distinguish your business from amateurs and hobbyists.

Your Business Email

You want your business email to be on your purchased domain. Don’t use AOL, Yahoo, Gmail, or the like. Again, this separates your business from hobbyists and amateurs, in the eyes of prospects, customers, lending institutions, and more. Use a generalized email like or This makes it easier for several people to work with the same email address, and you won’t have to change it if someone leaves your company.

How Long Does It Take to Build Business Credit? Account for Any Backlog at The Secretary of State’s Office

Every Secretary of State in the US keeps business information on its website. This can often include information on any grants or loans you may qualify for, now and in the future. You can get information on any licenses you need, and any continuing education you may need to keep those licenses.

Recognize that licensing takes varying amounts of time. The time to get a license also depends on your state. Some take a few days, others take weeks. Licensing isn’t just helpful to get and build business credit. You could be violating the law if you practice your profession without a license! And proper licensing is something you can tout on your website and in your marketing materials, to help build your prospects’ confidence in your business.

Get a Business Bank Account

You need to keep your personal and business finances separate. Commingling makes taxes harder, and it could trigger an audit. Many starter vendors and other credit providers require that you have a business bank account.

How Long Does it Take to Build Business Credit Credit Suite

 Check out our best webinar with its trustworthy list of seven vendors to help you build business credit, even in a recession.

Get a Merchant Account

It won’t help you build business credit. But you should still get a merchant account so you can take credit cards. Studies show people will pay more when they can pay with plastic. See

How Long Does It Take to Build Business Credit? The IRS Website Might Slow You Down

Your business needs an identification number (an EIN). Your company EIN is similar to your SSN in that it’s a unique identifier. An EIN is free and you get it during the same online session with the IRS. The IRS website is also where you select your codes.

There are both SIC and NAICS codes. SIC and NAICS codes show which kind of business you’re in. The IRS is moving from SIC to NAICS. But for now, consider both to be in play.

For example, 812320 means Dry Cleaning and Laundry Services (except Coin-Operated). If your business could fit under one or more code, choose the less risky code. Lenders and credit providers are far less likely to approve a business if they consider it to be risky. It’s the same principle as choosing your business name. You choose codes at the same time as you get your EIN and select a business entity. The IRS is also where you choose your business entity.

Your business entity decides on taxes and liability in case of a lawsuit. Incorporating means your business and personal affairs are truly separate. It’s really the only way to build true business credit. Deciding on an LLC, S-corp, or C-corp is up to you.

Work with a Corporate Lawyer

We highly recommend that you consult with a corporate lawyer to be sure of your options and make the best possible decision for your unique circumstances. And while you’re there, work with your attorney on drafting your Articles of Incorporation. Many Secretary of State’s offices will require that it be on file with them.

How Long Does It Take to Build Business Credit? Getting Your D-U-N-S Number from Dun & Bradstreet Can Sometimes be Slow

To build business credit, you must have a D-U-N-S number from Dun & Bradstreet. A D-U-N-S number + 3 or more reported payment experiences will generate a PAYDEX score. So you’ll have built business credit. See

Establishing Payment Experiences

Your credit history is one of the main factors when lenders and credit providers determine creditworthiness. Making timely payments will show anyone looking to do business with your company that you’re low risk. You can open most credit accounts online in just a few minutes. To save time and frustration, you only want vendors which will report to the business credit reporting agencies.

Vendors Which Report Will Save You Time Building Business Credit

Most vendors do not report unless you’re late making your payments. But here are three that will also report when you’re paying on time or early: Marathon at, Uline at, and Grainger Industrial Supply at

Even vendors which report may need you to reach a certain minimum spend before they will report. It can take over 30 days for reported purchases to show up on a business credit report. This is the case whether they are reporting a positive or negative payment experience.

Retail, Fleet, and More Universal Cash Credit

The steps we’re covered can take less than 6 months, and you’ll have a business credit profile and score. But that’s no reason to stop! Keep going and your business credit scores can only get better. This is particularly so as you rack up more time in business. Higher scores lead to better terms and lower interest rates.

How Long Does it Take to Build Business Credit Credit Suite

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit, even in a recession.

Working with a Business Credit Builder Company

As you might imagine, these steps take time and attention. Hiring a business credit builder company means you’ll have time to do what you do best – run your business. Vendors and other credit providers change their requirements all the time. It pays to work with a company which specializes in business credit building and keeps track of such things, so you don’t have to. Hiring a business credit builder company can be a big step. Let’s take the next step together.

How Long Does It Take to Build Business Credit: Takeaways

You can build a good business credit score and an enviable profile in half a year, not three years like many people think. Following the steps in order will assure the most speed, and the least frustration. On the way, you’ll build credibility in your business. This can lead to more sales. Be one of the 20% of all businesses which lasts 20 years or more. Let us take the steps for you so you can concentrate on your business. It pays to work with a pro.

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New comment by jsonice in "Ask HN: Who is hiring? (February 2021)"

APY Finance | Backend Engineer Location: REMOTE We are looking for a backend engineer that has a passion for cryptocurrency, DeFi, and a love for Clubhouse discussions on the latter topics. You will get to touch on all aspects of Ethereum backend engineering. The right engineer will participate in the development and roll-out of world-class …

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New comment by jsonice in "Ask HN: Who is hiring? (February 2021)"

APY Finance | Backend Engineer
Location: REMOTE

We are looking for a backend engineer that has a passion for cryptocurrency, DeFi, and a love for Clubhouse discussions on the latter topics.

You will get to touch on all aspects of Ethereum backend engineering. The right engineer will participate in the development and roll-out of world-class financial products built with next-generation technology on Ethereum.

We’re looking for someone with that can cover the following topics:

⦿ Developing scalable ETL pipelines for analyzing public blockchain data

⦿ Articulate a long term vision for maintaining and scaling our backend systems

⦿ Write high quality, well tested code to meet the needs of your customers

⦿ Ensure security and hardening of backend systems


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Wheeler ex-girlfriend addresses alleged assault

Alleah Taylor spoke publicly for the first time about the alleged assault by Chad Wheeler, her former boyfriend, in an interview that appeared on “CBS This Morning” on Wednesday.

The post Wheeler ex-girlfriend addresses alleged assault appeared first on Buy It At A Bargain – Deals And Reviews.