Day: April 7, 2021

New comment by jakubk in "Ask HN: Who is hiring? (April 2021)"

Pipedrive | Junior Engineers | Prague, Lisbon, Tallinn | ONSITE

Pipedrive is a SaaS visual sales tool for small to medium businesses. We’ve been backed with $90 million in funding since 2010 and are experiencing rapid growth. Our team is now located in five countries, building the sales tool used by over 85,000 companies.

I am very happy with the maturity of the process here and the autonomy our team is having. We are getting a lot of support from the company while still being able to innovate and fully own our part of the product.

I am looking for junior engineers to join my platform team. This is a unique opportunity to work in a highly technical team and solving some of the most challenging backend problems we have.

Our stack is mainly TypeScript, Node.js, React, Docker, MySQL, Elastic, … We expect some experience with that but the main thing is the cultural fit. We are looking for team players.

Please ping me an email at if you want me to refer you or if you want to learn more about the company. Please include the location where you’d like to work from (no remote). I am an engineering manager not a recruiter.

The post New comment by jakubk in “Ask HN: Who is hiring? (April 2021)” appeared first on ROI Credit Builders.

Covid Vaccine Passports: Coming to a Store Near You?

Students weigh the merits of requiring customers and employees to show proof of vaccination.

A Starter Guide to Google Ads Manager Accounts

If your business has complex advertising needs, there’s a good chance Google Ads Manager can help.

Rather than having your PPC spread out across several separate Google Ads accounts, Google Ads Manager brings all of your paid ads together in one place. This makes managing your campaigns much more efficient and allows you to maximize return on ad spend.

Setting up a Google Ads Manager account is simple and can quickly change the way you run your paid ads. Ready to give it a try? Here’s how to get started.

What Are Google Ads Manager Accounts?

Google Ads Manager accounts are dashboards that allow you to manage multiple Google Ad accounts all in one place.

Rather than logging in to lots of different ad accounts with separate usernames and passwords, Google Ads Manager puts everything in one place, making it more convenient to manage your ads.

google ad manager dashboard

Originally called My Client Center, Google Ads Manager provides many benefits to organizations with complex marketing needs. You can:

  • Manage all your ads in one place
  • Access campaigns across different accounts
  • Control who has access to different accounts
  • Quickly monitor and compare performance across separate accounts
  • Consolidate billing to better understand your costs

If your business needs to access many different Google Ad accounts, then a Manager account might save you a ton of time and allow you to work far more efficiently.

Why You Should Use Google Ads Manager Accounts

If your business requires access to multiple Google Ad accounts, then a Google Ads Manager account can significantly boost your efficiency. Here’s a few benefits of using this tool:

Save Time

Logging in and out of accounts takes time and it also means you don’t get a complete picture of the data. The more information you have at your disposal, the easier it is to optimize your ads, and with a Google Ads Manager account, you bring all of this data together in one central place.

Improve ROI

Running paid ads is all about return on investment. If you’re not getting the right return, then there are other digital marketing strategies you could be focusing on. According to WebFX, the average small and medium-sized business spends between $108,000 and $120,000 per year on PPC. Google Ads Manager can ensure you’re making the most of your ad dollars.

Who Should Use Google Ads Manager Accounts?

Google Ads Manager accounts are ideal for businesses that run multiple ad accounts. The most obvious example is advertising agencies, but this also applies to businesses of all sizes that do a lot of PPC.

Ads Manager Accounts are particularly useful for marketing agencies because you can seamlessly integrate with client’s accounts.

For example, my agency works with clients from all over the world, so it’s just not feasible to log in to each client’s account with a separate username and password. Instead, through Google Ads Manager Accounts, we can manage up to 85,000 accounts (depending on ad spend) all in one place.

This makes life easier, but it also makes the data much more powerful. If you have all the insights from 100 clients in the same industry all together in one place, it’s much easier to identify where campaigns are going well or where there’s room for improvement.

Plus, this type of account enables clients to share access to their Ad accounts securely. The client doesn’t have to share their passwords or bank details, and they’re still able to make changes to the account or unlink from the manager account if they wish.

While marketing agencies are most likely to be running paid ads on a scale where they benefit from Google Ads Manager Accounts, there are also plenty of other companies that run multiple ad accounts.

Large companies with multiple departments may have separate marketing teams running their own Google Ad Accounts. Although it’s important to make your marketing specific and targeted, which the multiple ad accounts allow for, you also need to have a clear view of the big picture.

Bringing your accounts together under Google Ads Manager allows you to combine the individuality of segmented marketing with the benefits of greater oversight and analysis.

How Many Ad Campaigns Can Be Used in Google Ads Manager Accounts?

The more Google Ad accounts you need to manage, the more Google Ads Manager becomes beneficial. While you can have up to 20 Ad accounts on one email, Google Ads Manager makes them much easier to manage, and beyond 20 accounts is almost a necessity.

No matter what type of campaigns you’re running, you need to have oversight, so Google Ads Manager can be beneficial.

Here are some campaigns where Google Ads Manager can make a difference:

Google Ad Campaigns With Multiple Collaborators

Large paid advertising campaigns often have multiple collaborators, including managers, paid ad experts, and team leads. All of these people need access to the account, but you don’t want to share passwords and grant unlimited access.

If you’ve got hundreds of campaigns, you want people to have easy access to the parts they need without having to share sensitive non-essential details.

While a regular Google Ads account allows you to do this, it’s very time-consuming to update permissions on multiple accounts constantly. Instead, Google Ad Manager will enable you to share access securely from a central point.

When you manage multiple ad campaigns and have multiple stakeholders, Google Ads Manager is a great way to smooth out the process.

Google Ad Campaigns Targeting People at Different Points in the Sales Funnel

One of the main benefits of paid ads is the ability to target very specific groups of people. When you run an ad on Google, you’re not just putting it out there and hoping the right people find it; you set specific parameters that ensure your message reaches the right people.

For example, you might segment your audience based on where they are in the sales funnel. When you do this, though, you’ve got to be highly organized to optimize each stage of the funnel.

When data is spread out across lots of different accounts, it’s almost impossible to keep track of performance across segments. You need to quickly access all your campaign data and make changes based on specific insights. To do this, you need everything to be in one place.

This offers a huge opportunity to stand out as 76% of marketers aren’t using behavioral data to target customers with relevant ads.

Google Ad Campaigns Where Analytics Overlap

The key to optimization is in the analytics, and when you have the data from hundreds of campaigns all in one place, you’re much more likely to get those crucial insights you need.

Most of your ad campaigns will have some similarities. Maybe they target the same audience, they’re in the same niche, or they target the same point in the sales funnel.

While every campaign should be unique, there’s also a lot you can learn from comparing similar campaigns.

When you have all your analytics in one place, you can use them to spot trends you otherwise wouldn’t be able to see.

For example, you might have 20 different campaigns all targeting people at the decision stage of the sales funnel, and one is performing particularly well. Even if your campaigns are in completely different industries, you can use the data to isolate why that one campaign is doing so well and find ways to implement it in other markets.

The more data you have, the more useful it becomes, and Google Ads Manager allows you to bring all your analytics together in one place.

Google Retargeting Ad Campaigns

Retargeting is an incredibly useful tool for marketers, and Google Ads Manager makes retargeting even more powerful.

When people click on your ads and visit your website, they’re added to your remarketing audience through browser cookies, allowing you to target them with very precise ads. People who have already visited your site are more likely to become customers, which might be a great way of boosting your ROAS (return on ad spend).

Need help setting up retargeting ads? Here’s my A to Z on setting up your retargeting with Google.

Google Ads Manager helps you better use retargeting data by allowing you to piggyback off all the hard work you’ve done on other campaigns. For example, if one specific type of audience or ad works well in one vertical, you can test it in others.

How to Set Up and Use Google Ads Manager Accounts

Setting up a Google Ads Manager account and linking all your ad accounts is simple, and it might make your life a lot easier.

Google Ads Manager Account - front page
  • head to the main Google Ads Manager page and click “Get Started”
  • answer a couple of quick questions about the number of page views your website gets and whether or not you have an AdSense account

If your website has more than one million page views per month, you’ll be directed to get in touch.

Google Ads Manager Account contact form for websites with more than 1 million views
  • Fill out the contact form with information about your business.
  • A Google representative will contact you and help you with your setup.

If your website has less than one million page views per month:

  • Create a new AdSense account or sign in to your existing one
  • Name your account
  • Select what you’re using your account for
  • Choose a timezone
  • Select the currency you want to use for your campaigns
  • Accept the terms and conditions
  • Click on save, and you’re ready to go

Once your Google Ads Manager account is ready, you can start to link your ad accounts or those of your clients:

  1. Click link existing account (next to create an account).
  2. Enter the client account’s Google Ads ID (this is the ten-digit number in the top-right corner).
  3. The client account will receive a request to link to the Ads Manager in its account.
  4. The client account needs to accept the request.
  5. The client account chooses the level of access it grants: administrative, edit, or view.
  6. Once the client accepts the request and grants you administrative access, you can manage that Google Ad account.

It only takes a few minutes to set up a Google Ads Manager account and link as many Google Ad accounts as you wish, but it can save you a whole lot of time when it comes to managing your paid ads.


If you have complex PPC campaigns spread out over several Google Ads accounts, then Google Ads Manager could make a huge difference to your operations.

To maximize your return, all your campaigns should work in unison, allowing you to target particular groups and make use of all the data available to you. This is very difficult to do if you’re running campaigns through different accounts.

When you create a Google Ads Manager, you bring all your pay-per-click advertising together in one place, improving efficiency. Rather than logging into multiple different accounts and trying to piece together lots of different analytics, set up your Ads Manager account and get more out of your PPC.

Are you set up with Google Ads Manager yet?

Top 2 Florida Podcasts You Must Follow in 2021

Top 2 Florida Podcasts Contents [show] ⋅About this list & ranking Florida Podcasts The Florida Roundup First Coast Connect With Melissa Ross Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you want to grow your traffic and revenue. Submit Your Blog Florida Podcasts View Latest Episodes ⋅Get Bloggers Contacts 1. […]

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Top 10 Georgia Podcasts You Must Follow in 2021

Top 10 Georgia Podcasts Contents [show] ⋅About this list & ranking Georgia Podcasts Georgia Today Political Rewind The Bitter Southerner Podcast Football Fridays in Georgia Battleground: Ballot Box On Second Thought AJC Briefing Politically Georgia Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you want to grow your traffic and […]

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

Accounts Receivable Financing

Check Out Accounts Receivable Financing

Are you looking for accounts receivable financing? Even though accounts receivable financing is based on receivables – more on that later – it still pays to look at fundability. Plus we are covering similar alternatives today.

This way in case it turns out that accounts receivable financing is off the table for you and your business, you would still be covered.


Fundability is the ability of a business to get funding. It essentially covers all the points a lender or credit provider will be looking at when they’re trying to figure out if you’ll pay back a loan or credit extended to you. These include factors you probably haven’t thought about or might think aren’t so important. But they are!

Your Business name

Does your business include the name of a high risk industry? Did you know it could be preventing you from getting funding? It doesn’t have to be this way. You don’t have to include the name of your industry in your business name. There’s nothing deceptive or illegal or otherwise wrong about calling a business Chico’s rather than Chico’s Bail Bonds.

Note: if you change your business name, be sure to change it everywhere. This means you change it in these places, among others: incorporation documents, licenses, and your records with the business CRAs (D&B, Experian, and Equifax)

It’s best to copy/paste this information. Do not chance making an error by typing it by hand. This is because differences will be interpreted as fraud by lenders and credit providers. Keep records of where your business name is, so, you can be sure you’ve caught everything.

NAICS code

You choose your business’s NAICS code. NAICS industry codes define businesses based on the activities in which they are primarily engaged. The NAICS puts out a list of high-risk and high-cash industries. Higher risk industries include casinos, pawn shops, and liquor stores. If more than one code would apply, there is nothing deceptive, illegal, or wrong with using a less risky one.

The IRS, lenders, banks, insurance companies, and business CRAs use NAICS codes. They are trying to determine if your business is in a high-risk industry classification. So, you could get a denial for a loan or a business credit card based on your business classification. Some codes can trigger automatic turn-downs, higher premiums, and reduced credit limits for your business. See

Demolish your funding problems with 27 killer ways to get cash for your business.

Business Entity type

To get financing or credit for your business you must have a business entity. A corporation or LLC gives you more credibility in many cases. It also helps you reduce your liability. And it separates you from your business. It makes the business a separate legal entity. Make sure your entity is set up in the same state as your business address.

Your EIN

Your business must have a Federal Tax ID number (EIN). Just like you have a Social Security Number, your business has an EIN. Your Tax ID number is used to open a bank account and to build a business credit profile. Take the time to verify all agencies, banks, and trade credit vendors have your business listed with the same Tax ID number.

Your Business Address

Your business address has to be a real brick and mortar building. It must be a  deliverable physical address. This should not be a home address or a PO Box. Don’t use UPS mailing addresses. Some lenders will not approve and fund unless this criterion is met.

Your Business Phone Number

A cell or home phone number as your main business line could get you flagged as un-established – but VOIP is okay. Do not give a personal cell phone or residential phone as the business phone number. Your phone number must be listed with 411 for most credit issuers and lenders to approve you. Check your record to see if you’re listed and make sure your information is accurate. No record? Then use to get a listing. Business phone number should be toll-free (800 exchange or comparable).

Your Business Licensing

Make sure you have the proper licensing for your corporation. And make sure the address on your licenses is the same as all other documents. Contact State, County, and City Government offices, and see if there are any required licenses and permits to operate your type of business. Being licensed also builds credibility in your business, which can help you get more customers.

Your Business Website and Email

You need a company email address for your business. Email must be on the same domain as your website. This usually comes with a website domain provider such as GoDaddy or Host Gator. It is not just professional; it also greatly helps your chances of getting approval from a credit provider. Do not use Yahoo, AOL, Gmail, Hotmail, or similar kinds of email.

Demolish your funding problems with 27 killer ways to get cash for your business.

Accounts Receivable Financing

You can use outstanding account receivables as collateral for financing. Receivables should be with the government or another business. If you also have purchase orders,  you can get financing to have those filled. You won’t need to use your cash flow to do so. Get an accounts receivable credit line with rates of less than 1% with no consumer credit requirement. Receivables should be with the government or another business.

Accounts Receivable Financing: Terms and Qualifying

Use your outstanding account receivables for financing. Get as much as 80% of receivables advanced ongoing in less than 24 hours. Remainder of the accounts receivable are released once the invoice is paid in full. Factor rates as low as 1.33%. you can get an accounts receivable credit line with rates of less than 1% with no consumer credit requirement.

For a Similar Kind of Funding, Try Purchase Order Financing

This is advanced to a business with a large purchase order or contract but cannot fulfill it. Lender then loans the funds necessary to complete the order and charges a percentage for the service. Then the company can fulfill its order or contract. The difference between purchase order and accounts receivable financing is:

  • Purchase order financing involves a company lending you money to fulfill purchase orders
  • Accounts receivable financing involves a company buying your outstanding invoices

Purchase Order Financing: Terms and Qualifying

Terms are for Credit Suite purchase order financing. For approval, lenders will typically review your outstanding purchase orders that need to be filled. If the purchase orders are valid and the suppliers you are dealing with are credible, you can get approval regardless of personal credit history. Rates typically range from 1-4%. In some instances, you can get 95% of your purchase order financed.

Demolish your funding problems with 27 killer ways to get cash for your business.

Consider Cash Flow Financing as Well

A loan made to a company is backed by a company’s expected cash flows. A company’s cash flow is the amount of cash that flows in and out of a business, in a specific period. Cash flow financing (or a cash flow loan) uses generated cash flow as a means to pay back the loan.

Cash Flow Financing: Terms and Qualifying

Often you will need to have a few years in business. You may need to meet a certain minimum credit score requirement. You will need to prove historical cash flow, and present your accounts receivables and accounts payables, so the lender can determine how much to loan to your business.

SBA Seasonal Line

Advances against anticipated inventory and accounts receivables, or in some cases associated increased labor costs. It is meant to help seasonal businesses. It can be revolving or non-revolving.

SBA Seasonal Line: Terms and Qualifying

Get loans to $5 million. Qualification requirements are the same as with other SBA programs. The maximum maturity on this CAPLine loan is 10 years. Holders of at least 20% ownership in the applicant business must guarantee the loan.

For an Alternative to Accounts Receivable Financing, Try Our Credit Line Hybrid

A credit line hybrid is a form of unsecured funding. Our credit line hybrid has an even better interest rate than a secured loan. Get some of the highest loan amounts and credit lines for businesses. Get 0% business credit cards with stated income. These report to business CRAs. You can build business credit at the same time. This will get you access to even more cash with no personal guarantee.

Credit Line Hybrid: Terms and Qualifying

You need a good credit score or a guarantor with good credit to get an approval (a FICO score of at least 680). No financials required. You can often get a loan of five times the amount of current highest revolving credit limit account. This is up to $150,000.

So How Do You Choose?

This is an enormous buffet of business funding choices! But how do you select the one(s) that’s best for your particular situation? This is where our Advisory Team comes in extremely handy. Or help yourself with our Business Credit Builder. It’s your choice. But it all starts with business credit.

Accounts Receivable Financing: Takeaways

There are all sorts of amazing ways to get business funding. Accounts receivable financing and similar funding types are just the tip of the iceberg. You can find the best financing which fits your circumstances, including your strengths in areas like:

  • Personal credit
  • Collateral or
  • Cash flow

The post Accounts Receivable Financing appeared first on Credit Suite.

New comment by NoviCapTech in "Ask HN: Who is hiring? (April 2021)"

NoviCap | Software Engineer (mid or senior level) | Remote (UK only) | FinTech, trade finance | We’re a European FinTech that helps businesses manage their cash flow by trading their long-dated invoices on our investor platform, providing working capital when they need it. Never has there been a more important time to do …

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How to Leverage Testimonial Examples in Paid Campaigns

No matter how creative and convincing your marketing can get, when you are trying to sell to someone, they sense they are being sold to. Maybe they are primed for that sale and ready to buy, or maybe not. On the flip side, someone telling a story about their experience with a brand and recommending …

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Find jobs at over 800 fast-growing YC startups on Y

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