Author: Courtney Jacobsen

New comment by migueldp4 in "Ask HN: Who wants to be hired? (January 2021)"

Location: Guatemala Remote: Yes Willing to relocate: No Technologies: Ruby on Rails, React.js Résumé/CV: https://drive.google.com/file/d/1NOefp4QkPEmFPfBt5ChPD2iHgyxWyt_s/view?usp=sharing Email: migueldp4@gmail.com

The post New comment by migueldp4 in “Ask HN: Who wants to be hired? (January 2021)” first appeared on Online Web Store Site.

New comment by platform2020 in "Ask HN: Who is hiring? (October 2020)"

[REMOTE] Platform.sh is seeking a Customer Support Engineer This position will be responsible for assessing the nature of product or service issues and resolving support problems for customers and partners through support tickets, live chat, and occasional voice calls. Don’t let the word “Support” fool you – this is not a typical call center role. …

The post New comment by platform2020 in “Ask HN: Who is hiring? (October 2020)” first appeared on Online Web Store Site.

Fall Reading: Our Reviewers' Picks

Marilynne Robinson, Elena Ferrante, and more reasons to love a bountiful season.

GiveCampus (YC S15) is hiring senior engineers

Article URL: https://jobs.lever.co/givecampus/874d7233-b7a3-488d-892e-13ef717ceab7 Comments URL: https://news.ycombinator.com/item?id=22752691 Points: 1 # Comments: 0

Government Grants for Women and Other Funding Options for Women Owned Businesses

It’s no secret that female business owners face unique challenges when it comes to finding funding for their businesses.  There are a lot of options available, but it seems that whenever a woman seeks funding advice, they get a generic answer. Usually it is something related to government grants for women.  However, specific government grants for women are not as common as many think.  

There Are a Number Funding Options Available for Women Owned Businesses, Including Government Grants for Women

Still, there are plenty of options.  Some are designed specifically for women business owners, but most are not.  From private grants to government loans, women business owners can fund their businesses and be successful if they know where to start. 

Government Grants for Women and From Other Sources

All grant programs are highly competitive.  Even the few government grants for women. Despite this, they are definitely worth the effort to apply, as there really isn’t a lot to lose except time.  It’s free money that can supplement other funding types. Some examples include: 

SBA Women’s Business Centers

In addition to helping with loans, the SBA Women’s Business Centers also help women entrepreneurs get access to other types of funding. Some lend money or award grants directly, while others help connect women entrepreneurs with financial institutions.  The grants that are awarded through some of these centers could be considered government grants for women, since the SBA is a government entity.

Eileen Fisher Women-Owned Business Grant

The clothing brand Eileen Fisher hands out $100,000 per year to 10 women-owned businesses. To qualify, a woman must have at least 51% ownership, and the business must be in operation for at least three years. Also, it must bring in less than $1 million per year in revenue and have a focus on environmental or social change.  This is a private sector grant.

Find out why so many companies use our proven methods to get business loans. 

Amber Grant 

The Amber Grant awards $500 to $1,000 per month to a woman-owned business. One of the recipients also receives an additional $10,000 grant at the end of the year. Applicants only need to tell their story and turn it in with a $15 application fee.  This one is another private sector grant. 

#GIRLBOSS Foundation Grant 

Specifically for woman-owned businesses in fashion, music, and art, the #GIRLBOSS small business grant awards $15,000.  They also offer exposure via the Girlboss website and social media platforms. Judges rate those applying on creativity, business savvy, planning, innovation in the field, need, and where they plan to work.  Like the last two, this is private grant. 

Cartier Women’s Initiative Award 

The Cartier Women’s Initiative Award is $100,000 for first place and $30,000 for second place.  They award the grant to 18 female business owners from around the world each year.  Women business owners who are just getting started may qualify.  Go here for the complete application information for this small business grant.

All of the finalists get to attend the INSEAD Social Entrepreneurship 6-Day Executive Program (ISEP). They will also have the opportunity to participate in workshops on entrepreneurship, business coaching seminars, and be exposed to networking opportunities.  This is also a private grant. 

The Small Business Administration

The SBA offers government backed loan programs, a number of which are perfect for women business owners, though not designed exclusively for women.

7(a) Loans

This program offers federally funded term loans up to $5 million. The funds can be used for expansion, purchasing equipment, working capital and more. Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds. 

To qualify a business owner has to have a credit score of at least 680.  There is also a required down payment of at least 10% for the purchase of a business, commercial real estate, or equipment. The minimum time in business is 2 years. If a business is a startup, business experience equal to two years is enough. 

This is by far the most popular of the SBA loan programs.  Funds are available for a broad range of projects, from working capital to refinancing debt, and even buying a new business or real estate. 

504 Loans 

These loans are also available up to $5 million.  They can buy machinery, facilities, or land. Generally, they are used for expansion.  Private sector lenders or nonprofits process and disburse the funds, and they work especially well for commercial real estate purchases. 

Terms for 504 loans range from 10 to 20 years.  Funding can take from 30 to 90 days. The minimum credit score requirement is 680, and collateral is the asset being financed. There is also a down payment requirement of 10%.  However, this can increase to 15% for a new business. 

Furthermore, there is a requirement that you be in business for at least 2 years, or that management has equivalent experience if the business is a startup

Microloans 

Microloans are available in amounts up to $50,000. They work for starting a business, purchasing equipment, buying inventory, or for working capital. Community based nonprofits handle microloan programs as intermediaries.  Unlike other SBA programs, financing coming directly from the Small Business Administration. 

Interest rates on these loans are 7.75% to 8% above the lender’s cost to fund, and the terms go up to 6 years. They can take up to 90 days to fund. There is a 640 minimum credit score requirement.  However, the collateral and down payment requirements vary by lender. 

SBA Disaster Loans 

Disaster loans are available in amounts up to $2 million.  They are actually processed directly through the SBA. They are available to small-business owners that have been affected by natural disasters.  Terms go up to 30 years, and the maximum interest rate is 4%. 

Find out why so many companies use our proven methods to get business loans.

The minimum credit score for disaster loans is 660. Collateral is necessary if the loan goes over a certain amount, usually $25,000, if it is available or when it becomes available. For a military economic injury disaster that amount is $50,000. A down payment is not necessary either way.

SBA Express loans 

Express loans top out at $350,000 and have a maximum interest rate of 11.50%. Terms range from 5 to 25 years, and the SBA guarantee is less than with their other loan programs at 50%. To qualify, your credit score must be above 680.  In addition, you must have a debt to service ratio of 1.1 or higher. If the loan is greater than $25,000, collateral may be necessary depending on the lender. 

The turnaround for express loans is much faster.  The SBA takes up to 36 hours to give a decision. Necessary paperwork for application is also less, making express loans a great option for working capital, among other things, if you qualify. 

SBA CAPLine 

There are 4 distinct CAPLine programs that differ mostly in the expenses they can fund. Each of them carries a maximum amount of $5 million and an interest rate that ranges from 7% to 10%. Funding can take 45 to 90 days. 

The four different programs are: 

  • Seasonal CAPLines -Financing for businesses preparing for a seasonal increase in sales.
  • Contract CAPLines -Financing for businesses that need funding to fill a contract.
  • Builder’s CAPLines -Financing for businesses taking on a real estate or construction project.
  • Working capital CAPLines -Financing for businesses that are struggling with a short-term slump in sales.

You must have a credit score of 680 or above to qualify for these. There is no minimum time in business requirement unless you are getting a seasonal CAPline. That one carries a one year in business requirement. 

SBA Community Advantage Loans 

This is a pilot program set to expire or extend in 2020. Its purpose is to promote economic growth in underserved areas and markets. Decision makers can be less stringent when it comes to poor credit or low revenue if the business has the potential to stimulate the economy or create jobs in underserved areas. 

Loan amounts range from $50,000 to $250,000 with a maximum interest rate of 11%, while terms range up to 25 years.

Other Loan Options for Women Business Owners

While programs like those that provide government grants for women and those offered by The Small Business Administration often work to meet the unique challenges faced by women business owners, sometimes it just isn’t enough.  If your credit score does not allow you to qualify for SBA loans, these options are available as well. They tend to work well, though not specifically designed for women. 

Lending Club

LendingClub functions as a peer-to-peer lender that offers mostly fixed-term small business loans. Borrowers that get loans from LendingClub generally use loans funds to buy equipment, finance growth or expansion projects, consolidate other debt, or hire new employees.

One benefit LendingClub offers with their small business loans that many others do not is access to a client advisor. This is someone to help you figure out how to best use your business loan funds, as well as how to budget loan payments.

The minimum loan amount at LendingClub is $5,000 and the maximum is $300,000.  There is a minimum time in business requirement of 12 months to qualify.  In addition, you must have at least $50,000 in annual sales.  There can be no tax liens or bankruptcies, and you must have at least 20% ownership. They will work with a credit score that is fair or higher.  A fair credit score ranges from 620 to 659. 

Lendio

Lendio offers a loan-connection service that dramatically cuts the time it takes for small business owners to find the perfect loan.  They do the legwork by vetting a network of competing small business lenders. Funding is fast, sometimes in as little as 24 hours.  

Potential borrowers submit one application and then see offers from lenders in the network.  The minimum loan amount is $500 while the maximum is $5,000,000.  The business must be U.S. or Canada based and must have a business bank account.  There is a minimum personal credit score requirement of 560.  

Blue Vine

BlueVine offers two options for small business financing.  They include lines of credit and invoice factoring.  They also offer the ability to talk with a financial advisor. Their application process takes place exclusively online.  The minimum loan amount is $5,000 and their maximum is $100,000.  Furthermore, to be eligible you must be in business for at least 6 months, have revenue of $120,000 per year or more, and have a credit score of at least 600.  

Kiva

Kiva has a unique lending model. They offer loans to businesses, but their platform is far different from than that of traditional or even other non-traditional lenders.  It is sort of a cross between crowdfunding and lending.  They offer loans with a 0% interest rate. That means, even though you have to pay it back, it is actually free money. In addition, they do not run a credit check at all. The only requirement is that you have to get at least 5 family members or friends to donate money for your business.  Also, you have to give at least a $25 loan to another business on the platform yourself. 

Grameen

Microloans are a great option when it comes to business loans for women with bad credit.  Grameen is one of the few lenders that offers microloans specifically for women.  The loan amounts range from $2,000 to $15,000, and they also offer financial training and support.  

As a bonus, they report payments to Equifax and Experian.  Consequently, these loans help borrowers build credit. 

Find out why so many companies use our proven methods to get business loans.

Government Grants for Women Do Exist, but So Much More Is Available

It is possible to find government grants for women.  They do exist. However, they are not the only option female entrepreneurs have.  Since they are rarely enough to fully fund a business, it is good to know what else is out there. 

When looking for government grants for women, start with the SBA Women’s Business Centers.   They are going to be your best bet for information of this type. Don’t limit yourself, however.  Try the other grant options mentioned above, and look around for others. New ones pop up every day. Know though, that complete funding will almost always require a loan or investor of some type, so keep that in mind as well. 

The post Government Grants for Women and Other Funding Options for Women Owned Businesses appeared first on Credit Suite.

The post Government Grants for Women and Other Funding Options for Women Owned Businesses appeared first on Business Marketplace Product Reviews.

Top 10 Numerology Podcasts You Must Follow in 2020

Top 10 Numerology Podcasts

Numerology Podcasts

1. Wise Skies Advice Podcast

About Podcast Tap into your purpose with the magic of good timing using astrology and numerology. Join Tiffany Harelik & Amanda Rieger Green as they help you understand the monthly cosmic calendar with practical advice for navigating the ups and downs of the energy every month.
Frequency 1 episode / week
Podcast spellboundradio.libsyn.com
Facebook fans 9.2K ⋅ Instagram Followers 785 ⋅ Domain Authority 9

2. Weirdly Magical with Jen and Lou

Weirdly Magical with Jen and Lou Australia About Podcast Join Soul Astrologer, Shaman and Writer, Louise Edington, and her bestie, Success Astro-Numerologist, Akashic Reader & Healer, Speaker & Author, Jen Duchene as they explore the energies of the weirdly magical universe that we live in. Receive guidance regarding how to navigate the energies and change the way that you look at things.
Frequency 1 episode / week
Podcast weirdlymagical.com
Facebook fans 10.6K ⋅ Twitter followers 6.8K ⋅ Instagram Followers 2.2K ⋅ Social Engagement 40 ⋅ Domain Authority 10

3. The Numerology Podcast

The Numerology Podcast Los Angeles, California, United States About Podcast The Numerology Podcast covers everything within the esoteric field of numerology. We get into it from every angle from the different systems of numerology to name change and how to use the numbers in your birthday to see what your soul wanted to explore in this lifetime. No number is left un-discussed as Professional Numerologist Novalee Wilder takes you through this ancient spiritual tool in all its forms.
Frequency 1 episode / week
Podcast novaleewilder.com/podcast
Facebook fans 116 ⋅ Domain Authority 10

4. CHINESE NUMEROLOGY

CHINESE NUMEROLOGY About Podcast How was Chinese numerology discovered, what are the basics of that, how do you read it, how do you discover about you. Stay tuned to listen to the latest news from Chinese Numerology.
Frequency 3 episodes / month
Podcast anchor.fm/sheesham-bansal
Social Engagement 1 ⋅ Domain Authority 74

5. Star Codes with Tania Gabrielle

Star Codes with Tania Gabrielle Los Angeles, California, United States About Podcast Tania Gabrielle nurtures spiritual entrepreneurs who feel a deep urgency to have their mission expressed at its greatest visibility by helping them leverage the divine plan for their work in the world. As a Wealth Astro-Numerologist, Tania introduced the merging of two ancient divination arts – Astrology and Numerology – to the Western world, unlocking the stars, names and numbers codes to facilitate true wealth and well-being.
Frequency 1 episode / week
Podcast taniagabrielle.com/podcast
Facebook fans 24.5K ⋅ Twitter followers 24.6K ⋅ Social Engagement 9

6. The Numerology Chick

The Numerology Chick Ashland, Oregon, United States About Podcast The Universe, your Creator, gifted you with your own unique algorithm for happiness… And I can decode it. Hey you! My name is Nat Olson and I’m your Numerologist and philosopher-friend. I help people just like you decode their numbers or their superpowers, so you can unearth your best and most confident self.
Frequency 1 episode / week
Podcast thenumerologychick.com/blog
Facebook fans 2.6K ⋅ Domain Authority 11

7. A. Y. Terrell (ASMR) | LOA Tarot Numerologist

A. Y. Terrell (ASMR) | LOA Tarot Numerologist About Podcast All about Numerology and Numerology Reviews by a Certified Numerologist. Stay tuned to listen to the latest news on numerology.
Frequency 1 episode / quarter
Podcast anchor.fm/ayterrell/support
Domain Authority 74

The post Top 10 Numerology Podcasts You Must Follow in 2020 appeared first on Feedspot Blog.

Just How To Make Money And Succeed In Forex Trading

To a rookie discovering Online Forex Trading, it looks extremely easy in the start. The reality concerning Forex Trading is that it is a specialist task that not several investors will certainly prosper.

I will certainly simply undergo a couple of really simple tips on exactly how to continually create Forex pips.

Worldwide of Forex money trading, numerous beginner investors think that Forex trading software program or system which contains brain surgery is most likely able to generate income. It may hold true, yet the number of people will have the ability to discover such a system or approach? Why not simply hang out and also cash to discover systems or trading approaches that are easy however functions?

In the Forex money trading, the reality is straightforward systems simply function best. When you are in a shedding touch, straightforward systems are much more durable and also much easier to trade as you comprehend the reasoning as well as can for that reason follow it with self-confidence.

I directly really feel that it is much less complex to patronize the fads instead of the varying market.

For numerous effective investors, as soon as they enjoy with a system or approach, they persevere. Bear in mind, you just earn money trading Forex, and also not having 100 systems or trading techniques however trading none.

In Forex trading, the majority of investors did well largely as a result of great finance. Long as your system or trading approaches has a favorable revenue element paired with correct cash administration, you will certainly be successful in the lengthy run.

For lots of Forex Trading novices, after several days as well as evenings of discovering and also absorbing Forex Trading programs, buying of numerous Forex Trading Software and also Forex Trading System, you still locate on your own with a substantial opening in your preliminary resources.

There are several effective Forex Trading specialists out there that are living their Online Money Making desires … So the Money Making Online million buck concern– Are you reduce out to be a lucrative Forex Currency Trading investor? Yes, you can come to be a lucrative Forex Trading Trader! You simply require to deal with Online Forex Trading like running a Successful Online Money Making Business.

Foreign Exchange Trading Style

You must ask on your own – what is your Online Forex Trading design– information Forex Trading, turn Forex Trading, energy Forex Trading, pattern Forex Trading and also intraday or longer term Forex Trading? It is alright to have a “collection” of Forex Trading design or arrangements, yet a lot of Money Making Foreign Currency investor does is to focus on a particular niche or specific Forex Trading design.

Online Forex Trading Plan

Prior to any kind of profession access, you have to ask on your own it this the ideal Set Up access for your Forex Trading design? What are you Forex Trading Stop Loss target?

Anybody entails in Foreign Currency Trading and also not having actually a well specified quit loss is going to have their whole Online Forex Trading account clean out prior to they also recognized it. You likewise require to understand what your Forex Trading earnings target factor is. What is the factor of having an Online Money Making Forex Trading profession yet your Forex Trading Account does not Make Money.

Foreign Exchange Trading Profit & Loss Plan

Great Deals Of Online Forex Trading newbies do not understood the vital of benefit to take the chance of variable for each Forex Trading profession. If you take the chance of $500 however make $100, you will certainly never ever Make Money Online.

Follow your Well-Defined Forex Trading Plan

You have to have the Discipline to stick to it when you have actually composed down a distinct Online Forex Trading. All Forex Trading newbies need to bear in mind that Discipline and also Money Management are both most import elements of Forex Trading. If you can not stick to it, also the best Forex Trading System or techniques will certainly fall short.

In the globe of Forex money trading, numerous beginner investors think that Forex trading software program or system that consists of rocket scientific research is a lot more most likely able to make cash. There are numerous effective Forex Trading specialists out there that are living their Online Money Making desires … So the Money Making Online million buck inquiry– Are you reduce out to be a rewarding Forex Currency Trading investor? You must ask on your own – what is your Online Forex Trading design– information Forex Trading, turn Forex Trading, energy Forex Trading, pattern Forex Trading and also intraday or longer term Forex Trading? It is alright to have a “collection” of Forex Trading design or arrangements, however the majority of Money Making Foreign Currency investor does is to focus on a specific niche or certain Forex Trading design. What is the factor of having an Online Money Making Forex Trading profession yet your Forex Trading Account does not Make Money.

The post Just How To Make Money And Succeed In Forex Trading appeared first on ROI Credit Builders.

The post Just How To Make Money And Succeed In Forex Trading appeared first on Business Marketplace Product Reviews.

Top 5 Things You Didn’t Know About Small Business Credit

There is so much about small business credit that is misunderstood.  Many entrepreneurs do not even realize their company can have its own credit.  Those that do realize it, often have a very skewed idea about how it works. Because we are so familiar with personal credit, we tend to assume business credit works the same way.  While some aspects of the two are similar, there are some very important differences that most entrepreneurs do not know. 

Everything You Don’t Know that You Don’t Know About Small Business Credit

Some of the most common misconceptions about business credit are related to how you get it.  Even more are about what affects business credit and where the information on the report comes from.  It is such uncharted territory that most do not even know what they don’t know.  

Once you understand all the differences between business credit and personal credit, you can begin the work of building a solid company foundation for your biz. 

5 Things You Didn’t Know About Small Business Credit

Here are a few of the most common misconceptions about business credit. 

You Have to Work for Small Business Credit

It doesn’t build on its own through the course of regular company financial transactions.  This is different than how personal credit builds. With personal credit, your payment information is simply reported to the personal credit reporting agencies (CRAs.)  With business credit, it isn’t so simple. 

It takes intentional effort from the way you set up your biz to the accounts you apply for first.  You have to go into it with the intention of building business credit. You have to work for it. 

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

It’s About More than Payment History

Unless your company is set up with the intention of separating it from the owner, business transactions will report to the personal CRAs.  This means your corporate transactions and your personal transactions will be reporting on your personal credit. Everything will be all mixed up.

Not only that, but if you do not set things up properly, you could end up not having a business credit score at all!  Even if you have credit in your company name, if your firm is not properly set up as a fundable entity, those accounts will be on your personal credit report.  You may not even have a business credit report! 

Your Personal credit CAN affect it

By nature, the way a company must be set up to build business credit means that your company’s accounts will not affect your personal credit.  That is, if everything is set up properly. However, the reverse is not necessarily true. When lenders look at your credit, not only might they pull a personal credit report, but they can use other sources as well.  The information gleaned from those sources, even if not firm-related, can affect their decisions.  

You are probably asking yourself the question then, why even bother?  If your personal credit can still come into play, what’s the point? There are a few reasons biz credit is important. First, it protects your personal credit.  Like I said before, if your set up your company properly, your operational finances should not affect your personal credit score. This will ensure that if your biz suffers, your personal finances can still stay intact.

In addition, if personal issues are coming into play when you are trying to get company funding, strong business credit can help.  It can mitigate negative personal information lenders may consider in their decision making.

Finally, if you do not have business credit, you will have to fund your dream on your personal credit alone.  Personal limits are typically much lower than business credit limits. Conversely, company credit expenses tend to be much higher than personal expenses.  This means that even if you are paying off your expenses each month, you are likely to hover near your limits consistently. 

That will increase your debt-to-credit ratio, which will in turn lower your personal credit score.  So even if you do everything right, you could end up damaging your personal credit if you try to use it to fund your company. 

The Information Comes from Places You May Not Expect

Like I said, it’s not all just payment history.  There are so many other things the CRAs look at and can report on.  They gather information from a number of sources, and not all of them are lenders.  For example, the Small Business Finance Exchange, or SBFE, gathers information from a variety of places.  These include, among other things, public records. That means every lien, every parking ticket, and every bounced check has the potential to bite you.

You do NOT Have to Have Business Credit to GET It

This is perhaps the most difficult thing for some entrepreneurs to understand.  It can seem at the onset that you have to have business credit to get business credit.  An entrepreneur is often shocked when they try to apply for funding with biz credit and they are denied, because they pay their bills on time.  They cannot figure out what is going on. 

They then find out they actually do not have business credit. That is why they are continually denied when they apply for corporate credit cards.  Then they wonder how on earth they are supposed to get business credit if they are denied funding because they do not have company credit.  

Here is the thing.  Once you have your company set up properly as a separate, fundable entity, you need to start working with starter vendors.  These are vendors that will extend net terms on invoices without a credit check. Not only that, but they will also report your payments on these invoices to the CRAs.  This will be the beginning of your business credit score. You do not have to have business credit to get corporate credit, but you do have to start with starter vendors. 

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

Now That You Know

Now that you know this information, you probably have a ton of questions.  Questions like: 

  • How do I make my company a fundable entity separate from myself? 
  • What’s the next step after starter vendors?
  • Where are lenders getting information about me? 
  • How do I know what is on my credit report? 

We can answer these questions and more.  The first step is already done. Now you know what you didn’t know before.  

How to Separate Your Company as a Fundable Entity

This part is easiest taken care of on the front end.  However, it’s never too late. If you are looking for funding, you likely already have an established biz.  You can take these steps now to begin building your corporation credit. 

How to Separate a Company from Its Owner to Build Small Business Credit

  • Establish a separate phone number and address for the biz. 
  • Formally incorporate as an LLC, S-corp, or Corporation.
  • Establish a separate company bank account.
  • Have a professional corporate website.
  • Have a separate corporation email address with the same URL as the website. 
  • Get and EIN and use it instead of your SSN to apply for business credit. 
  • Get a D-U-N-S number

A few things to remember when it comes to these things are that you can get a virtual physical firm address pretty easily.  Also, there are several ways to get a corporate phone number online that will simply forward to the phone number you already use.  This means there is no need to get a separate phone. 

Also, do not use a free hosting service.  You need to pay for hosting. The same goes for email service.  A free service such as Hotmail, Yahoo, or even Gmail will not work in this situation.  

As for a D-U-N-S number, be careful.  You really do need it because you cannot have a credit file with Dun & Bradstreet without it.  Since they are the largest and most commonly used biz credit reporting agency, having a D-U-N-S number is a must.  However, when you go to their website to get one, they will try to upsell you. The number is free, and you do not need anything else.  Stay strong.

How to Use Starter Vendors to Build a Small Business Credit Score

Now, you know how to set up your company and you know you need to start with starter vendors, but where do you go from there?  The business credit building process works in tiers. You start with the vendor credit tier, which is where the starter vendors are.  Then, once you have 8 or 10 of those vendors reporting your positive payment history, you can move on to the retail tier.

The retail credit tier is where you find credit cards that can only be used at the retail stores that issue them.  For example, an Office Depot credit card would be in this tier. After you have enough of these types of cards reporting your payment history to the CRAs, you can move on.  Your small business credit should then be strong enough to apply for cards in the fleet tier.

The fleet credit tier is where you find the cards that you use specifically for fuel and auto repair and maintenance costs.  These are cards from companies such as Shell and Fuelman. After you snag enough of these and have them reporting positive payment history, you can apply for cards in the top tier. 

That is the cash credit tier.  These are the cards that have higher limits, lower rates, and no exclusions on where you can use them or what you can use them for. If you use these cards responsibly, you will have access to all the funding you need to run and grow your business. 

Small Business Credit and Company Loans

As you may have noticed, we didn’t mention biz loans much when talking about small business credit.  That is because most traditional lenders are going to check your personal credit history even if you do have strong corporate credit.  There is just no way around it. However, if you have strong company credit, it can only help you. It may mean the difference in approval for a $50,000 loan or a $100,000 loan, or 10% interest and 6% interest. 

In addition, some non-traditional lenders will actually look at business credit and even report to the business CRAs such as Dun & Bradstreet, Experian, and Equifax.  

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.

Monitor Your Credit

This is important all the way through the process.  First, you need to know which accounts are reporting to your small business credit.  You also need to know how many. That’s how you will know it is time to start applying for cards in the next tier. 

The problem is, you cannot get a free copy of your business credit report the same way you can with personal credit.  You can purchase a copy of your report from the reporting agencies, but you have to pay each time you want to see what is on your report.  At CreditSuite.com/monitoring, we can help you monitor your business credit on an ongoing basis for a fraction of the price.  Not only will this help you to know when to move on to the next tier, but it will let you see if there are any mistakes or inaccuracies keeping your score from being the best it can be.  If there is something there that shouldn’t be, or something not there that should be, you can get it corrected quickly.  

Everything You Need to Know About Small Business Credit and Then Some

Now that you understand more about small business credit, what it is, and why you need it, you are likely to have more questions than just what we’ve covered.  Here is one thing you can know without a doubt however. Strong small business credit it vital to running a healthy company. Our free guides, webinars, and dedicated staff are here to help you build and maintain small business credit every step of the way.  Your business success and growth depend on it.   

 

The post Top 5 Things You Didn’t Know About Small Business Credit appeared first on Credit Suite.

The post Top 5 Things You Didn’t Know About Small Business Credit appeared first on Business Marketplace Product Reviews.

Top 15 Electrical Safety Blogs and Websites To Follow in 2019

Top 15 Electrical Safety Blogs

The Best Electrical Safety Blogs from thousands of Electrical Safety blogs on the web using search and social metrics. Subscribe to these websites because they are actively working to educate, inspire, and empower their readers with frequent updates and high-quality information.

Electrical Safety Newsletter

Electrical Safety newsletter is a comprehensive summary of the day’s most important blog posts and news articles from the best Electrical Safety websites on the web, and delivered to your email inbox each morning. To subscribe, simply provide us with your email address.

Electrical Safety Blogs

1. TW Becker Electrical Safety Consulting

Calgary, Alberta, Canada About Blog TW Becker ensures that you have dependable and credible electrical safety solutions you need in order to make appropriate decisions and ensure you manage the risk to your employees and your company. Follow this blog which helps you to save lives and reduce the risk of exposure to arc flash & shock hazards for your employees.
Frequency about 3 posts per month.
Since Mar 2019
Blog twbesc.ca/blog
Twitter followers 361 ⋅ Domain Authority 6

2. McKinney Electrician Blog

McKinney Electrician Blog Princeton, New Jersey, United States About Blog McKinney is a master electrician who is here to serve businesses with expertise and quality. Get articles about electrical safety by following this feed.
Frequency about 2 posts per week.
Since Jul 2012
Blog electrician-mckinney.com/blog
Twitter followers 261 ⋅ Social Engagement 1 ⋅ Domain Authority 13

3. Black Pear Electrical

Black Pear Electrical Worcester, England, United Kingdom About Blog Read everything you ever wanted to know about electrics at the Black Pear Electrical blog. Follow this blog if you are interested in the latest safety rules and regulations.
Frequency about 2 posts per month.
Since Feb 2017
Blog blackpearelectrical.co.uk/blog
Twitter followers 264 ⋅ Domain Authority 9

4. Electrical Safety Specialists

Electrical Safety Specialists Louisburg, Kansas, United States About Blog Electrical Safety Specialists is a nationwide leader in arc flash risk assessment, electrical safety training, & qualified electrical worker training. Follow to get news covering topics such as Arc Flash Risk Assesment, Qualified Electrical Worker Training, Lockout/Tagout, Electrical Safety Training, and more.
Frequency about 2 posts per month.
Since Aug 2016
Blog arcflashpro.com/arc-flash-el..
Twitter followers 58 ⋅ Social Engagement 21 ⋅ Domain Authority 20

5. Enespro PPE | Electrical Safety Stories Blog

Enespro PPE | Electrical Safety Stories Blog Oak Brook, Illinois, United States About Blog Enespro PPE is an exciting, new brand of USA-made Electrical Personal Protective Equipment (PPE) featuring advancements in performance, comfort, and functionality. Blog covering topics such as Arc Flash Clothing, Arc Flash Hoods, Arc Flash PPE, Electrical Gloves, Electrical Safety, Enespro News, Face Shields, NFPA 70E, OSHA Standards and Safety Culture
Frequency about 1 post per week.
Since Aug 2018
Blog enesproppe.com/blogs/electri..
Facebook fans 32 ⋅ Twitter followers 128 ⋅ Instagram Followers 70 ⋅ Social Engagement 4 ⋅ Domain Authority 18

6. I Rewire Blog

I Rewire Blog Surrey Quays, England, United Kingdom About Blog Follow this blog for free tips and information on safe electrical rewiring, electrical safety and news on electrical installations and wiring standards from our electricians in the UK.
Frequency about 1 post per month.
Since Oct 2018
Blog i-rewire.co.uk/blog
Domain Authority 8

7. Expert Electric Blog » Electrical Safety

Expert Electric Blog » Electrical Safety Vancouver, British Columbia, Canada About Blog Expert Electric is an Electrical Service & Repair company. We have provided thousands of residential & commercial customers with professional electrical services throughout the Lower Mainland of British Columbia. The Expert Electric Blog is here to offer tips and to help you learn more about electrical safety.
Frequency about 1 post per month.
Since Mar 2013
Blog expertelectric.ca/blog/categ..
Social Engagement 9 ⋅ Domain Authority 22

8. Tri Star Electric » Electrical Safety

Tri Star Electric » Electrical Safety Jessup, Maryland, United States About Blog TriStar Electric in Jessup, MD provides residential and commercial electrical contracting services. Discover more articles related to electrical safety by following this feed.
Frequency about 1 post per month.
Since Oct 2013
Blog tristarelectric.net/blog/cat..
Twitter followers 86 ⋅ Social Engagement 6 ⋅ Domain Authority 19

9. TEGAM » Electrical Safety

TEGAM » Electrical Safety Geneva, Ohio, United States About Blog Follow this blog to know more about electrical grounds protect, rescuing people from electrical shock, aircraft electronics from lightning strikes and limit radio interference.
Frequency about 1 post per month.
Since Mar 2014
Blog tegam.com/category/electrica..
Twitter followers 234 ⋅ Domain Authority 30

10. Leaf Electrical Safety

Leaf Electrical Safety Saint John, New Brunswick, Canada About Blog We help industrial clients determine their arc flash levels and train their electricians to stay safe. Follow to get exclusive updates straight to your inbox!
Frequency about 2 posts per month.
Blog leafelectricalsafety.com/blog
Twitter followers 14 ⋅ Instagram Followers 219 ⋅ Social Engagement 46 ⋅ Domain Authority 9

11. USESI » Electrical Safety

USESI » Electrical Safety Middletown, Connecticut, United States About Blog USESI is proud to be a leading innovator for industry solutions and services. Be updated about the current electrical safety news in the US today by reading articles from US Electrical Services. Follow for more updates.
Frequency about 1 post per month.
Since Dec 2015
Blog blog.usesi.com/category/elec..
Twitter followers 72 ⋅ Domain Authority 28

The post Top 15 Electrical Safety Blogs and Websites To Follow in 2019 appeared first on Feedspot Blog.