Author: Gwendolyn Tarbell

Top 5 Super Mario Podcasts You Must Follow in 2021

Top 5 Super Mario Podcasts Contents [show] ⋅About this list & ranking Super Mario Podcasts First to Thirteen | A Super Mario Sunshine Lockout Bingo Podcast 3-Up Moon Podcast All About Super Mario Super Nintendo Mario Super Mario Whoas Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you want to […]

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5 Ways to Share the Love With an Air Miles Business Credit Card

There are so many options for business credit cards out there, it can be completely overwhelming to figure out which ones will work best for your business.  First, you have to figure out what you actually qualify to get.  Then, you have to determine if you need cash back rewards, dining rewards, an air miles business credit card, hotel rewards, or whatever other option you may have. 

Love Your Business and Yourself With an Air Miles Business Credit Card

If your credit is good, you are going to have lots of rewards options.  The thing is, you want to pick the card with the best rates and terms that has the most useful rewards option for you. Sometimes it’s a no brainer, and sometimes it’s not.  If you travel a lot for business, an air miles business credit card may be the perfect way to show your business some love. 

Here are 5 ways to love your business and share the love with air miles you earn from your business credit card. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

  1. Save on Business Travel

It seems obvious, but many business owners do not realize how much of a savings this can be if used properly.  If you use your card frequently and earn the most miles possible, you could feasibly save thousands of dollars a year in business travel.  Of course, you would need to determine if you travel enough to make this the most profitable choice when compared to whatever other choices you have.  If you do not travel for work frequently but you do frequent business dinners, dining rewards may work better. 

If you travel often though, the savings from an air miles business credit card could be significant.

  1. Save on Personal Travel

Here is an exciting truth.  You do not have to use air miles from a business credit card for business travel.  That means you can earn air miles on business purchases and then use them for personal travel.  

If you do a lot of personal travel, or if you want to travel, this is a way you can use an air miles business credit card to show yourself some love.  Business expenses are typically large enough to earn lots of miles, which can relate to major vacation savings for you.  So, even if you do not travel a lot for business, this could be a good option. 

  1.  Get New Clients

Here’s another tip.  You do not have to use miles earned from an air miles business credit card on yourself.  You can use them to purchase a ticket for someone else. Therefore, if you need to fly in a potential client or customer for a meeting, you can cover that expense with air miles. 

This can happen in a couple of ways.  You can transfer air miles to someone else, but there are usually limits on how many, and there are fees. You can also purchase a ticket for someone else directly through your air miles account.  This usually will be the option that offers the most savings, but do your research to be certain it works best in your situation. 

  1. Keep Current Clients

In danger of losing a current client? Need to show them some love to get them to stick around? Air miles and free travel can be a great incentive.  Or, if you just want to show some good will toward all your customers in general, you could do a giveaway.  Offer a round trip ticket for two for Valentine’s Day to a lucky winner!

  1. Reinvest

Now, what do you do with all that savings? Reinvest in your business!  Every penny you save is money you can put back into your business to grow and expand. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

What Are The Best Air Miles Credit Cards ? 

It’s hard to say.  There are tons to choose from. The one that will work best for you and your business will depend on a number of factors.  You need to research all of your options and make an informed decision.  Remember also that limits, fees, interest rates, bonuses,  and other details can change frequently, so be sure to check with your credit card company now and then to see where you stand. 

Here are some options to consider. 

Capital One ® Spark® Miles for Business

The Capital One ® Spark® Miles for Business card has an initial annual cost of $0 for the first year. After that, it rises to $95. The regular APR is 20.99%.  Of course, this is variable due to the prime rate. 

Amazingly, you can get unlimited double miles on all purchases, with no restrictions. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Furthermore, you can get an introductory bonus of 50,000 miles. Of course, you do have to meet the minimum spend requirement of $4,500 in the first 3 months after opening the account.However, this is a fairly low hurdle compared with the spending that can be required from other credit cards.

Ink Business Preferred ℠ Credit Card

Another great option is the Ink Business Preferred ℠ Credit Card. You pay a yearly fee of $95, and the regular APR is 15.99- 20.499%, variable. Sadly, there is no introductory APR deal.

Get 100,000 bonus points after spending $15,000 in the first three months after account opening. This works out to $1,250 toward travel rewards if you redeem through Chase Ultimate Rewards.

Also, get 3 points per dollar of the first $150,000 you spend with this card. That includes purchases on travel, shipping, internet, cable, and phone services. Plus, it includes marketing purchases made with social media sites and search engines. 

You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. 

Bank of America ® Business Advantage Travel Rewards World MasterCard® credit card

For no yearly fee while still getting travel rewards, check out this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases throughout the first 9 billing cycles. Afterwards, its regular APR is 12.24- 22.24% variable.

You can get 30,000 bonus points when you make a minimum of $3,000 in internet purchases within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Get unlimited 1.5 points for every $1 you spend on all purchases, anywhere, each time, no matter how much you spend.

Also earn 3 points per every dollar spent when you reserve your travel with the Bank of America ® Travel Center. There is no limit to the number of points you can get and points do not expire.

Even better, you can earn up to 75% more points on every purchase if you have a corporate checking account with Bank of America and qualify for Preferred Rewards for Business.

An Air Miles Business Credit Card Is a Great Way to Show Your Business, and Yourself, Some Love

If you qualify for an air miles business credit card, it can be a great tool.  It’s a way to handle business expenses and save money at the same time. However, this only works if you tend to travel frequently, either personally or for business.  Or, of course, if you can use the miles as an incentive of some sort. 

If you do not qualify, it may be time to do something about that. Try asking a business credit expert for help.  You will be glad you did. 

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Her Husband Died of Covid. Now She Needs a New Financial Plan

A 53-year-old Phoenix woman wants to get through the next few years and plan for retirement. Here’s what a financial adviser suggests.

The post Her Husband Died of Covid. Now She Needs a New Financial Plan first appeared on Online Web Store Site.

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Get a Recession Business Credit Line – Here’s How

It’s Probably True: You Need a Recession Business Credit Line

As a small business owner, you probably can’t put your hand on enough capital, at least not immediately. And if you are new, then it’s even harder. There will always be more ramp up costs than you think. So if you have ever wondered where to establish business credit, and how to actually get a credit line, it comes from really two areas. Those are business credit cards and loans. Your business needs a recession business credit line: here is how to get one (or more!)

For both types of credit line, it helps to have good business credit. And if you do not have what is considered a good business credit score, or if your company is new and has not yet established its own credit, then creditors will look at your personal credit score.

You want them looking at your business credit score.

But let’s start with recession-era funding.

Recession Period Financing

The number of US financial institutions as well as thrifts has been decreasing slowly for 25 years. This is coming from consolidation in the market in addition to deregulation in the 1990s, reducing barriers to interstate banking. See:

Assets concentrated in ever‐larger banks is problematic for local business owners. Big financial institutions are much less likely to make small loans. Economic downturns imply financial institutions end up being a lot more careful with lending. Luckily, business credit does not rely on financial institutions.

Let’s go over credit lines.

Your Business Needs a Recession Business Credit Line – But What Are Credit Lines?

A credit line, or line of credit (LOC), is an agreement between a borrower and a bank or private investor that establishes a maximum loan balance which a borrower can access.

A borrower can access funds from their line of credit anytime, so long as they don’t go over the maximum set in the arrangement, and as long as they meet any other conditions of the financial institution or investor like making prompt payments.


Your business needs a credit line because credit lines deliver many distinct advantages to borrowers including versatility. Borrowers can apply their line of credit and only pay interest on what they use, in contrast to loans where they pay interest on the sum total borrowed. Credit lines can be reused, so as you acquire a balance and pay that balance off, you can use that accessible credit again, and again.


Credit lines are revolving accounts similar to credit cards, and contrast other forms of funding like installment loans. In many cases, lines of credit are unsecured, much the same as credit cards are. There are some credit lines which are secured, and thus easier to get approval for

Credit lines are the most frequently sought after loan type in the business world even though they are popular, true credit lines are unusual, and hard to find. Many are also very difficult to qualify for requiring good credit, good time in business, and good financials. But there are various other credit cards and lines which few know about that are attainable for startup companies, poor credit, or even if you have absolutely no financials.

Your Business Needs a Recession Business Credit Line from The SBA

The majority of credit line varieties that most entrepreneurs imagine come from standard banks and conventional banks use SBA loans as their principal loan product for small business owners. This is because SBA guarantees as much as 90% of the loan in the event of a default. These credit lines are the hardest to get approval for because you must qualify with SBA and the bank.

SBA Loans

There are two fundamental sorts of SBA loans you can normally obtain. One type is CAPLines. There are in fact 4 types of CAPLines that can work for your small business.

You can also get a smaller loan amount more quickly using the SBA Express program. The majority of these programs offer BOTH loans and revolving lines of credit.

From the SBA … “CAPLines is the umbrella program under which SBA helps business owners meet short-term and cyclical working capital needs”. Loan amounts are offered up to $5 million. Loan qualification criteria are the same as with other SBA programs.

Seasonal Line

This one advances against foreseen inventory and accounts receivables. It was designed to assist seasonal businesses. Loan or revolving are on offer.

Contract Line

This one finances the direct labor and material costs of performing assignable contracts. Loan or revolving types are available.

Builders Line

This one was made for general contractors or builders constructing or renovating industrial or residential buildings. This line is for fund direct labor-and material costs, where the building project functions as the collateral. Loan or revolving types are on offer.

Working Capital

Borrowers must use the loan proceeds for short term working capital/operating needs. If the proceeds are used to acquire fixed assets, lender must refinance the portion of the line used to acquire the fixed asset into an appropriate term facility no later than 90 days after lender discovers the line was used to finance a fixed asset.

Your Business Needs a Recession Business Credit Line from SBA Express

You can get approval for as much as $350,000. Interest rates vary, with SBA allowing banks to charge as much as 6.5% over their base rate. Loans in excess of $25,000 will need collateral.

Approval Details

To get approval you’ll need great personal and company credit. Plus the SBA says you should not have any blemishes on your report. An acceptable bank score demands you have at least $10,000 in your account over the most recent 90 days.

You’ll also need a resume showing you have business sector experience and a well put together business plan. You will need three years of company and personal tax returns, and your business returns should show a profit. And, you’ll need a recent balance sheet and income statement, thereby showing you have the cash to pay back the loan.


To get approval you’ll need account receivables, but just if you have them. As for the collateral to offset the risk, often all company assets will function as collateral, and some personal assets which also include your home. It’s not unheard of to need collateral equivalent to 50% or more of the loan amount. You also need articles of incorporation, business licenses, and contracts with all third parties, and your lease.

Your Business Needs a Recession Business Credit Line from Private Investors and Alternative Lenders

Private investors and alternative lenders also offer credit lines. These are easier to qualify for than conventional SBA loans. They also necessitate much less documentation for approval. These alternative SBA credit lines ordinarily require good personal credit for approval.

Unlike with SBA, many of them don’t require good bank or business credit approval. Most of these sorts of programs call for two years’ of tax returns. Tax returns have to show a profit. Rates can vary from 7% or greater and loan amounts range from $25,000 into the millions.

Loan amounts are normally based on the revenues and/or profits on tax returns. In some cases lenders may ask for other financials such as a profit and loss statement, balance sheets, and income statements.

Your Business Needs a Recession Business Credit Line from Merchant Cash Advances

Merchant cash advances have rapidly become the most popular way to get financing, in large part because of the simple qualification process. Businesses with $10,000 in revenue can get approval, with the business owner having scores as low as 500.

Some sources have now even begun to offer credit lines that accompany their loans. You must have at least $10,000 in revenue for approval. You should be in business for at least one year, however three years is better. Lenders usually want to see a credit score of 650 or better for approval.


Loan amounts are usually about $20,000. Lenders routinely do pull your business credit, so you ought to have some credit already and sometimes lenders will want to see tax returns.

Rates differ, due to the risk for this program, and there aren’t a lot of funding sources who offer it.

Your Business Needs a Recession Business Credit Line from Securities as Collateral for Financing

You can get financing despite personal credit if you have some form of stocks or bonds. You can also get approval if you have somebody intending to use their stocks or bonds as collateral for financing.

Personal credit quality doesn’t matter as there are no consumer credit criteria for approval. You can get approval for as much as 90% of the value of your stocks or bonds. Rates are commonly lower than 2%, making this one of the lowest rate credit lines you’ll ever see. You can still earn interest as you typically do on your stocks and bonds.

Recession Business Credit Line Credit Suite

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Credit Cards and Lines are Very Similar

Credit cards typically offer 0% intro rates for up to two years. This is also very useful for startups especially. And credit lines let you take out more cash at a more affordable rate than do cards. These are the main two differences that will have an effect on you between credit cards and credit line.

Investopedia even says that “lines of credit are potentially useful hybrids of credit cards.”

Both cards and lines are revolving credit. Credit lines are more difficult to qualify for as card approvals are typically very fast, many times automated, while at the same time line require an in-depth underwriting review. Lines usually offer lower rates, according to Bankrate card rates average 13% while lines average 4%.

Your Business Needs a Recession Business Credit Line from Unsecured Business Credit Cards

The majority of these cards report to the consumer credit reporting agencies. They all demand a personal guarantee from you. You can get approval typically for one card max as they stop approving you when you have two or more inquiries on your report.

Most credit card providers furnish business credit cards including Capital One, Chase, and American Express. These have rates similar to consumer rates and limits are also similar.

Some of them report to the consumer reporting agencies, some report to the business bureaus. Approval requirements resemble consumer credit card accounts.


Often, when you apply for a credit card you put an inquiry on your consumer report. When other lenders see these, they will not approve you for more credit since they have no idea how much other new credit you have lately obtained.

So they’ll only approve you if you have no more than two inquiries on your report within the most recent six months. Any more will get you refused.

Your Business Needs a Recession Business Credit Line from Our Credit Line Hybrid

With this form of business financing, you work with a lender who concentrates on securing business credit cards. This is a very unusual, very little know of program that few lending sources offer. They can usually get you three to five times the approvals that you can get on your own.

This is because they are familiar with the sources to apply for, the order to apply, and can time their applications so the card issuers won’t reject you for the other card inquiries. Individual approvals oftentimes range from $2,000 – 50,000.

The end result of their services is that you oftentimes get up to five cards that mimic the credit limits of your highest limit accounts now. Multiple cards create competition, and this means they will raise your limits, frequently within 6 months or fewer of first approval.


Approvals can go up to $150,000 per entity like a corporation. With a hybrid credit line they actually get you three to five business credit cards which report just to the business credit reporting agencies. This is significant, something most lenders don’t offer or advertise. Not only will you get funds, but you build your business credit as well so in three to four months, you can then use your new corporate credit to get even more money.


The lender can also get you low introductory rates, often 0% for 6-18 months. You’ll then pay normal rates after that, typically 5-21% APR with 20-25% APR for cash advances. And they’ll also get you the very best cards for points. So this means you get the very best rewards.

Just like with just about anything, there are HUGE benefits in dealing with a source who specializes in this area. The results will be much better than if you try to go at it alone.

Recession Business Credit Line Credit Suite

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.


You must have excellent personal credit right now, preferably 685 or better scores, the same as with all business credit cards. You shouldn’t have any negative credit on your report to get approval. And you must also have open revolving credit on your consumer reports now and you’ll need to have five inquiries or fewer in the most recent six months reported.


All lenders within this space charge a 9-15% success based fee and you only pay the cost off of what you secure. Bear in mind, you get a ton of extra advantages and about three to five times more cash in this program than you could get on your own, which is why there’s a fee, the same as all other lending programs.

You can get approval making use of a guarantor and you can even use a number of guarantors to get even more money. There are likewise other cards you can get utilizing this very same program but these cards only report to the consumer reporting agencies, not the business reporting agencies. They are consumer credit cards versus business credit cards.


They furnish similar benefits which include 0% intro annual percentage rates and five times the amount of approval of a single card but they’re a lot easier to get approval for.

You can get approval with a 650 score and seven inquiries (or fewer) in the most recent six months and you can have a bankruptcy on your credit and other negative items. These are a lot easier to get approval for than unsecured corporate credit cards.

With all previous cards above, you have to have good consumer credit to get approval but what happens if your personal credit is not good, and you do not have a guarantor?

This is the time when building corporate credit makes a great deal of sense even when you have good personal credit, setting up your company credit helps you get even more money, and without having a personal guarantee.

Recession Business Credit Line Credit Suite

Demolish your funding problems with our rock-solid guide about 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Your Business Needs a Recession Business Credit Line But You Can’t Get One? Then Start Building Better Business Credit

As with personal credit, it seems as if the companies which don’t need credit are the ones which are more likely to get it. But that is banks and creditors doing better and more responsible business for themselves – if your company is at risk of defaulting, they either want to give you more expensive terms, or not extend any credit at all.

Here are a few tips on building and improving better business credit.

Separate Your Company Credit From Your Personal Credit

One way is to change your business entity. That is, to either incorporate or become a limited liability company (LLC). Get a separate identification number from the IRS, too, in order to really demonstrate there is a difference.

Get a D-U-N-S Number from Dun & Bradstreet

A D-U-N-S number is necessary in order for D&B to start tracking your business’s credit. Dun & Bradstreet requires that you register on their site before they will give you a D-U-N-S number. Registration is simple and, once you have said yes to the Terms and Conditions, then the next screen is a dashboard. This is where you either ask for a D-U-N-S number or you can look up to see if your business is already in the listings. If your company is already in the listings, then click on your business name to make any needed changes.

Business Credit with a Personal Guarantee

Another means of establishing business credit is by going to your bank and establishing business credit lines or cards with personal guarantees. This means you are personally responsible in case the business defaults or any loans or bills go into collections. Hence if your company is in a high risk business or a seasonal one, you might find your car on the line.

Make sure when you get these kinds of business credit cards, they have the personal guarantee removal feature built right in. Keep your credit utilization at one third of your credit ceiling or less (that is, don’t use more than about one third of your total available credit). Make certain to pay on time every time.

Apply for Third Party Guaranteed Lending

You can use an SBA loan for funding. Repaying this kind of a loan will help you build your business credit score. Or you can apply for a business credit card from a specific store. Often, these store credit cards do not need a personal guarantee. Make sure to choose a store where your business makes a lot of purchases. And don’t forget about those timely payments!

Business Credit Cards and Loans

If your business credit score is good (or if it has improved), then go to your local bank and ask for a credit line. And if you use a particular bank for payroll, you can try that one. If not (or maybe you’re a one-person shop and you don’t really have payroll at all), then you can also take your request to the bank where you do all your personal banking.

Because they already know you, and if they have seen you pay your credit cards on time and keep a good balance in your accounts, they may be more interested in giving your small business a line of credit even without guarantees or a serious credit check. No matter which kind of lending institution you try, go in with good credit as that will make your terms more favorable and it can generally mean the difference between any credit line and none.

Your Business Needs a Recession Business Credit Line – Takeaways

Your business can get credit cards and financing, if you know where to look. Learn more here and get started toward establishing business credit. Keep your small business afloat with a credit line.

The post Get a Recession Business Credit Line – Here’s How appeared first on Credit Suite.

Get the Best First Credit Card to Build Credit

Are you looking for a first credit card to build credit for your business? Your business credit does not come about by accident. You will have to build it – and business credit cards can be a huge help in getting you where you want to be.

Fortunately, there are choices out there. But keep in mind, a lot of them will hinge upon your personal credit scores. Good FICO scores will help you get a good first credit card to build credit for any company. But don’t worry – we also have some choices for when your personal credit is less than stellar.

The Very Best First Credit Card to Build Credit for a Business

We investigated a lot of company credit cards for you. So, here are our selections for the best first credit card to build credit for a business.

Per the SBA, company credit card limits are a massive 10 – 100 times that of personal credit cards!

This reveals you can get a lot more funding with corporate credit cards. And it likewise shows you can have personal credit cards at stores. So, you would now have an additional card at the very same stores for your small business.

And you will not need collateral, cash flow, or financials to get business credit.


Benefits can and do differ. So, make sure to pick the benefit you would like from this choice of alternatives. There are a lot of ways to start building credit with business credit cards. So, open your mind and consider the myriad of possibilities.

First Credit Card to Build Credit for Fair to Poor Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

Take a look at the Brex Card for Startups. It has no yearly fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.

But keep in mind, they do not accept every industry.

Also, there are some industries they will not work with, as well as others where they will want added paperwork. For a list, go here:

To determine creditworthiness, Brex will check a business’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. And get 4x on Brex Travel. Also, you can get triple points on restaurants. And you can get double points on recurring software payments. Get 1x points on everything else.

So, you can have bad credit scores (even a 300 FICO) to qualify. Amazing!

Find it here:

First Credit Card to Build Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

First Credit Card to Build Credit for Fair Credit

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, without any minimum to redeem.

While this card is within reach if you have fair credit, beware of the APR. Yet if you can pay on schedule, and in full, then it can be a good deal.

Find it here:

First Credit Card to Build Credit with No Annual Fee

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Have a look at the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the first 12 months. But after that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your company. And get $500 bonus cash back after spending $3,000 in the first three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need exceptional credit to qualify for this card.

Find it here:

First Credit Card to Build Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

First Credit Card to Build Credit with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. But afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on everyday business purchases like office supplies or client suppers for the initial $50,000 spent per year. Then get 1 point per dollar afterwards.

So, you will need good to excellent credit scores to qualify.

Find it here:

American Express® Blue Business Cash Card

Also check out the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash as opposed to points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. But after that get 1%.

It has no yearly fee. There is a 0% introductory APR for the first twelve months. But after that, the APR is a variable 14.74 – 20.74%.

So, you will need good to excellent credit to qualify.

Find it here: 

First Credit Card to Build Credit for Cash Back

Flat-Rate Rewards and No Yearly Cost

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for one year. But then the regular APR is a variable 14.49 – 22.49%.

You can get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to excellent credit scores to get approval for this card.

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first three months from account opening.

You can earn 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at gasoline stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no limitation to the amount you can earn.

So, you will need superb credit to receive this card.

Find it here: 

First Credit Card to Build Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Take a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. After that get 1% after, with no limits.

So, you will need superb credit to qualify.

Find it here: 

First Credit Card to Build Credit with Flexible Financing

The Plum Card® from American Express

Have a look at the Plum Card® from American Express. It has an initial yearly fee of $0 for the first year. After that, pay $250 each year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

So, you will need good to superb credit to qualify.

Find it here: 

Business Credit Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Take a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And earn a one-time $200 cash bonus once you spend $3,000 on purchases in the first three months. Your rewards will never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

So, you will need good to exceptional credit to qualify.

Find it here:

The Very Best First Credit Card to Build Credit for Your Business

Your outright ideal first credit card to build credit for your business will depend upon your credit history and scores.

Only you can pick which features you want and need. So, always make sure to do your research. Because what is outstanding for you could be devastating for another person.

And, as always, make sure to establish credit in the advised order for the best, quickest benefits.

The post Get the Best First Credit Card to Build Credit appeared first on Credit Suite.

A Simple Guide to the SERPs

The SERPs (search engine results pages) are the listings you see whenever you type a query into a search engine.  For most of us (63%, plus 90% of mobile searches), that search engine will be Google, so if your website does well in Google’s SERPs, you’re going to see a lot of organic traffic. When …

The post A Simple Guide to the SERPs first appeared on Online Web Store Site.

Crowdfunding Terms You Should Know in a Recession

Check Out These Crowdfunding Terms You Should Know in a Recession

Crowdfunding can seem to be a bit of a mystery. Why are people willing to part with their cash in this particular manner? There are a lot of crowdfunding terms you should know in a recession. They are thrown around all the time and they can sometimes get confusing. So consider this your primer on some basic crowdfunding terminology.

Because even if you do not think you will use this method of fundraising, you will probably encounter it all the same.

But before going any further, does crowdfunding ever actually, you know, work?

Crowdfunding Success, in a Nutshell

For some companies which crowdfund, the rewards are great. According to Crowdfunding Blog, the single most successful crowdfunding campaign was for the Pebble Time Smartwatch. And that was as of November of 2018. But before you run out and buy one, note that they are now a  part of FitBit.

As in, they went out of business in July of 2018. And this is a business which raised over $20 million in 2015. That is no typo. And in point of fact, Pebble holds three of the top six spots in the biggest crowdfunding successes of all time. Together, these three crowdfunding campaigns took in a staggering $43.39 million. This is about $8 million more than the town of Huntington, New York (population 203,264) budgeted for highways in 2018.

Hence there is one thing that should be clear to all. Runaway crowdfunding success is no guarantee whatsoever of actual success.

But now it is time to get to the crowdfunding terms themselves.

Crowdfunding Terms You Should Know in a Recession: Project

A project is what you are asking for money for. Projects can take a few months or even years. The more complex your project, then (usually) the longer it will take. The person starting the project is generally called the project runner or the project creator.

Projects can be for goods or for services.

Crowdfunding Terms You Should Know in a Recession: Donors

The people who donate to the project are called donors. Or sometimes they are referred to as contributors or backers.

On rare occasions, they may even be called investors. However, such a word connotes a far different relationship. Many crowdfunding platforms shy away from such a term. And this is for good reason. It is because investors and investments may come under the purview of the SEC. The Securities and Exchange Commission exists in order to protect investors. This is in ways not current available to donors 0r other contributors to the success of businesses.

Hence, unless the crowdfunding platform is specifically for investing in companies, more like angel investing, you are not too terribly likely to see the investor.

Crowdfunding Terms You Should Know in a Recession: Campaign

The act of requesting money on a crowdfunding platform is called a campaign. This is the soup to nuts of crowdfunding. So it covers everything from the first pitch to the final collection or perk distribution.

Crowdfunding Terms You Should Know in a Recession: Donor Levels

In general, donor levels refer to the amount of rewards which are on offer for a particular size donation. Note: I will get to rewards in a moment. Your donor levels might look something like this:

  • $10 fountain pen (100 available)
  • $20 includes $10 level plus a tee shirt (50 available)
  • $50 includes $20 level plus a framed picture (30 available)
  • $100 includes $50 level plus dinner with the project runner (10 available)
  • $500 includes all other perk levels plus a new car (2 available)

Donor levels are limited by your imagination and your capacity for handling complexity. After all, five separate donor levels mean you are keeping five separate lists. If you are well-organized, then this is possible. But it is not easy. Five separate donor levels are plenty, particularly for people running their first campaigns.

Truthfully, you will be a far happier person if you cut the number of donor levels to no more than three.

Of course, time and budget should be considerations for anyone. But that is not just the case for crowdfunding.

What frustrates you the most about funding your business in a recession? Tell us in the comments.

Crowdfunding Terms You Should Know in a Recession: Rewards (Also Known as Perks)

One basic about crowdfunding for creative projects is that you will need to provide incentives for your donors to open up their wallet. Crowdfunding to help someone with their medical expenses is a different animal. So let us get back to crowdfunding for business funds.

This is where perks come in.

Your rewards can be nearly anything. But it can quite literally pay to have them relate directly to your project.

For example, if you are crowdfunding to get enough money to back your new smart phone invention, then your rewards probably should not be your grandmother’s blueberry muffin recipe. And this is no matter how wonderful it may be. Instead, you could base your rewards around your invention. So this could be everything from offering a case to an extra battery or charger. Or you might even offer an app which only your donors can download.

A Word to the Wise about Rewards

Rewards are a very real part of crowdfunding and they can often be a part which project creators do not take into consideration. Sometimes, we think a product will go to market in, say, a year. But circumstances change, and now one year turns into two. So be it – this sort of thing happens all the time.

But it is an issue if your perks are dependent on your product going out the door. So if you need to fulfill perk promises to 10,000 people, you will likely find you need to do one of any of these things:

  • Delay your product launch
  • Hire someone to do fulfillment for you
  • Offer alternative perks (if you can)

Reneging is not an option, and it can get you on the wrong end of a lawsuit if you are not careful.

A fourth option is delaying perk fulfillment. Not every donor will go for that.

A For-Instance on Perk Level Complexity

Sending out so many perks is a major task. It can take months to get everything out the door.

Why does it take so long? Consider the degree of complexity. Let’s go with an easy number: 100. So let’s say you have 10 separate perk levels and they each have 10 slots. Once an eleventh person wants a certain perk level, they just plain can’t have it, as it’s gone. Are you with me so far?

Your ten separate perk styles may be of differing weights. So this means they will have different shipping costs. If any of your 100 donors are outside of the United States, then you will have to pay more to ship to them as well. Plus of course you have to make sure all of the addresses are complete and correct.

It becomes even more complex when your perks do not fit into such neat little buckets. This is where you have, say, eight perks. And you might have anywhere from 12 to 1,000 people who are supposed to be getting them. Plus some people may have donated twice and are waiting for two separate perks. Or maybe even more.

See how ugly and difficult this can get – fast?

What frustrates you the most about funding your business in a recession? Tell us in the comments.

Getting Around This Problem

The easiest way to get around these issues is to offer intangible perks. In our smart phone example, the exclusive app would fit the bill nicely. Your best bet is to make the intangible perk good for the largest number of donors possible.

Hence if your lowest level is $10, and you have 100 of those slots, then you could just give 100 people a download code. This is a lot faster than figuring out postage for all of those donors. Plus, with an intangible perk, technically the number of perks is effectively infinite. But scarcity gets people interested, so you might not want to make the downloads never-ending.

For the more tangible perks, leave them for far smaller groups, such as the 25 people who are at your two top donor levels. Mailing to 25 people is far easier than it is to mail to 10,000 people. And this is so even if the mailings are difficult.

But I Don’t Have Intangible Perks!

No? Then what do you call a coupon sent in email? See, there are ways to offer intangible perks even when the entire business operation is very, very tangible. Coupons have been around, seemingly, forever. People will gladly print them off or carry them in their smartphones for scanning.

Or there can be discount codes, which are virtually the same thing, except with no designing of a coupon to be cut out or scanned. Amazon, for example, gives these out all the time. And the vast majority of backers will know exactly how to use them.

Crowdfunding Terms You Should Know in a Recession: Rewards-Based Crowdfunding

Probably the best-known of all crowdfunding platforms is Kickstarter. Kickstarter is, by its own rules, just for project creation. That is, it is not for charitable donations. This puts it squarely in the camp of rewards-based crowdfunding. That is, the project exists for the purpose of getting a new market to product or the setting up of a new business.

This form of crowdfunding offers rewards (perks), which are either physical or intangible. It can also serve as a means of pre-selling a product before even a prototype has been made. However, until there is an actual available product, is it a sale, or not? While it is easy to try to dismiss such a concern as no big deal, well, not so fast.

Whether perk fulfillment is a sale or not just might matter.

Sales and the Law

In the United States, the sales of almost 100% of all goods are covered by the Uniform Commercial Code. This set of laws is identical virtually everywhere in the country except in the state of Louisiana. And even there, it is still rather close.

The UCC covers any number of concerns with products. These include merchantability, which asks if a product can reasonably be sold. And it also includes fitness for a particular purpose. But it does not cover liability in case a product injures a person. Still,  that can be another question, in case something like that happens.

Product Injuries

When a product injures someone (in the law, this is called product liability), it does not matter if the injured party directly bought the product or borrowed it from another or the like. However, at a certain point, it becomes such a tenuous and far-reaching relationship between product creator (that is, the manufacturer) and the final end user that questions as to cause and effect can arise.

While new products sold via crowdfunding are, without a doubt, sales, what about perks?

Are perks sales, or not? They do not seem to be gifts. After all, when was the last time you paid anything for a gift? Is it not the very definition of a gift that there is no cost?

Crowdfunding Terms You Should Know in a Recession Credit Suite


In general, in contract law, a sale is an exchange of goods (or services) for a price or fee. This price or fee is referred to as a consideration. A consideration is either a fee or its equivalent, such as through barter. The consideration does not have to be equal in value to the sale price of the goods. That is, the transaction does not stop being a sale just because the buyer got a really good deal, or a really bad one.

Yes, selling your house for $1 is, technically, a sale.

If a perk is worth $1 but is only available at the $10 donation level, what then? But if it is a sale, then the UCC should apply, yes? If the perk injures someone, then the question does not really start to matter until the end user is extremely far-removed from the project creator.

These questions do not seem to have been litigated yet. It will be interesting to see what happens when, inevitably, they are.

Crowdfunding Terms You Should Know in a Recession: Equity-Based Crowdfunding

When businesses look to hand over percentages of ownership in exchange for current financial backing that is called equity-based crowdfunding. Kickstarter, for example, does not allow this. But there are platforms such as AngelList and Crowdfunder which do.

After the passage of the 2012 JOBS Act, smaller companies have more freedom to crowdfund and hand over equity shares. And this is without quite so many Securities and Exchange Commission (SEC) filings as were needed before. This federal law opened up crowdfunding more. And it made it a far more attractive option for startups in particular. The SEC, naturally, has an interest in this particular species of crowdfunding.

Crowdfunding Terms You Should Know in a Recession: Debt-Based Crowdfunding

This form of crowdfunding is also called peer to peer lending. Other names for it are P2P, crowdlending, and marketplace lending. Borrowers will set up campaigns in order to fulfill their financial needs. And then lenders will contribute toward the goal for an interest.

This particular method of online funding may come with other consequences. It could very well become a true “threat to the traditional banking system in the areas of consumer and business loans, as has already been demonstrated by the rapid success of [these] online lending marketplaces.” (Hollas, Corporate Finance Review, Volume 18).

As the United States economy changes over time, peer to peer lending may very well be the only way for some businesses to get funding. But look for regulators to start to step in, particularly if there are instances of fraud or more serious criminal activity.

Crowdfunding Terms You Should Know in a Recession: Litigation Crowdfunding

And speaking of criminal activity, there is also litigation crowdfunding. With litigation crowdfunding, a plaintiff will ask for a monetary donation for the purposes of funding a court case. If the plaintiff prevails, then investors may get more than their initial investment.

Unlike some of the other forms of crowdfunding, there are ethical considerations when it comes to litigation crowdfunding. Ethics problems include the possibility of unlawful interference in an attorney-client contract.

Lawyers and Ethics and Crowdfunding and Money

Another possible issue involves providing information to backers. In other forms of crowdfunding, backers understandably want advance information on a campaign. understandably, they want to know precisely what they are financially getting themselves into. But in the case of the law, such transparency can very well mean violating attorney-client privilege. If privileged communications are necessary to get donors to fork over cash, then this is an ethical violation for the lawyer.

Plus, what happens if the backers push for a greater return on their investments? Could a group of backers – or a crowdfunding platform – push for a settlement for sure money? Or could they push for a trial in the hopes of a big payoff? Either scenario is possible.

And there is even another possibility. What if the crowdfunding platform or backer group pushes to direct the course of discovery, or even motion practice?

And what happens if, somehow, it gets out at trial that a case is crowdfunded? What will a jury think? Will they see the plaintiff as greedy? Or will they see the case as more likely to win? Otherwise, the reasoning could go, why would people put their money on the line for it?

These questions go beyond dilemmas and interesting philosophical exercises. They could, if things go too far, end up being a part of disciplinary proceedings against a lawyer in an ethics investigation.

Crowdfunding Terms You Should Know in a Recession: Donation-Based Crowdfunding

In this form of crowdfunding, a charity solicits donations via a crowdfunding platform. There are either no perks or they are tiny. The best-known of these is probably GoFundMe. This is where project runners can either raise funds for themselves or for charities.

Donation-based crowdfunding also encompasses the far too common crowdfunding pleas we all see cropping up these days. These crowdfunding pleas are for everything from help paying medical or veterinary bills to attempts to get donors to fund dream vacations and honeymoons. Or they can even be to just fix the project runner’s car.

Without perks or presales, there are no UCC considerations. But there can be questions from state governments if a charity raises funds via crowdfunding and then someone just pockets the money. After all, the government wants to know if charities are on the up and up.

What frustrates you the most about funding your business in a recession? Tell us in the comments.

Crowdfunding Terms You Should Know in a Recession: Bootstrapping

In the absence of crowdfunding, startup founders often used bootstrapping to get their projects off the ground.

Bootstrapping is just the use of personal finances to fund a new company. The biggest advantage to bootstrapping is that a business owner does not have to give up any ownership in the company.

The biggest disadvantage, of course, is the loss of a life’s savings is a very real possibility. Crowdfunding in particular is meant as a means of minimizing bootstrapping. But it probably will never eliminate it entirely.

Crowdfunding Terms You Should Know in a Recession: Takeaways

Crowdfunding is an interesting method of raising money for a business. But it has its own rules and methods. There are potential pitfalls along the way. Crowdfunding can, at times, feel like the wild, wild west.

But at least with these crowdfunding terms you should know in a recession, you can be more prepared to handle anything crowdfunding throws at you. And as always, if you have any questions, please feel free to ask them in the comments section of this blog post.

The post Crowdfunding Terms You Should Know in a Recession appeared first on Credit Suite.

How to Use Events to Optimize Your Facebook And Google Ads

Your website is bustling with activity. Visitors are constantly interacting with it. But are you taking full advantage of everything that’s happening on your website for your paid marketing?  Every interaction a visitor has with your website… a pageview, a click… can be used to better understand your audience.  And when you understand your audience …

Business Loans for Minority Women and Other Funding Options

As a minority woman in business, it is important to know what is available to you for business funding.  Do business loans for minority women even exist? The answer is, sort of. There are business loans for minority women, but not for them exclusively.  There are other funding options out there as well. Grants, crowdfunding, and even angel investors are all viable options.

Business Loans for Minority Women and So Much More

How do you find the best options for you?  How do you know if you need to be looking for grants or business loans for minority women? The truth is, you need to explore every option.  This is because, in reality, it is probably going to take a combination of funding options to fully fund your business. 

Business Loans for Minority Women: The Truth

The thing is, there aren’t a ton of loan programs only for minority women.  You are really looking for regular loans that work with the challenges faced by business owners that fit into both categories.  Once you understand that, your search will become much easier.

Business Loans for Minority Women: Traditional vs. Private

As a general rule, loans from traditional lenders are both the best and the hardest to get.  Their terms and rates are much better than those offered by private lenders. They also have more stringent eligibility requirements. They typically require higher credit scores, longer time in business, and more annual revenue.  

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Private lenders, on the other hand, work a little differently.  They tend to have higher interest rates and less favorable terms. However, they have less strict requirements for approval.  They allow lower credit scores and less time in business, as a general rule. 

The Small Business Administration

So where do you go to find business loans for minority women?  Since traditional loans offer the best rates and terms, they are truly the place to start.  They are harder to get, but the Small Business Administration loan programs help make them easier.  They do not lend funds directly. Instead, they work with traditional lenders.   They back loans to make them easier for borrowers to qualify. You can find a list of SBA partner lenders using their lender match tool

7(a) Loans 

This is the Small Business Administration’s main loan program. It offers federally funded term loans up to $5 million. The funds can be used for expansion, purchasing equipment, working capital and more. These funds are distributed through traditional lenders. 

The minimum credit score to qualify is 680.  In addition, there is a down payment requirement of at least 10% for the purchase of a business, commercial real estate, or equipment. The minimum time in business is 2 years. In the case of startups, business experience equivalent to two years will suffice. 

504 Loans 

These loans are also available up to $5 million and can buy machinery, facilities, or land. They are generally used for expansion.  Like 7 (a) loans, private sector lenders or nonprofits process and disburse these funds. They work well for commercial real estate purchases especially. 

Terms for 504 Loans range from 10 to 20 years.  Unfortunately, funding can take up to 90 days. They require a minimum credit score of 680, and collateral is the asset it is financing. There is also a down payment requirement of 10%, which can increase to 15% for a new business. 

There is also a 2-years in business requirement.  For a startup, equivalent experience for management will meet this.


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 SBA microloan programs as intermediaries. 

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. Similar to other programs, they can take up to 90 days to fund. The minimum credit score is 640, and the collateral and down payment requirements vary by lender. 

SBA Express Loans 

These loans max out at $350,000.   They have a maximum interest rate of 11.50%. In addition, terms range from 5 to 25 years, and the SBA guarantee is less than it is with their other loan programs at 50%. To qualify, your credit score must be above 680.  Another requirement is that 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.  It depends on the lender. 

The turnaround for express loans is much faster.  The SBA takes up to 36 hours to give a decision. Also, there is not as much application paperwork.  As a result, express loans are a great option for working capital, among other things, if you qualify. 

Other SBA Resources

The SBA exists for all small company owners.  However, their Office of Women’s Business Ownership exists to help women local business owners specifically. This includes women minorities.  Their goal is to enable and empower business owners that are women via advocacy, outreach, and education as well as assistance.

Business Loans for Minority Women: Private Lenders

Other options for business loans for minority women include private lenders.  These loans, much like SBA loans, are not exclusively for minorities or women.  However, by nature they tend to work well with the unique challenges each group faces. 

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.

The minimum loan amount at LendingClub is $5,000 and the maximum is $300,000.  You must have been in business for 12 months or more and have at least $50,000 in annual sales to qualify.  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 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.  The minimum personal credit score for approval is 560.  

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Blue Vine Business Loans for Minority Women

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 financing advisor, and their application process takes place exclusively online.  Their minimum loan amount is $5,000 and their maximum is $100,000.  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 has a different lending model. They offer loans to businesses, but their platform is far different from that of traditional or even other non-traditional lenders.  It is a kind of  cross between crowdfunding and lending. They offer loans with a 0% interest rate, so 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, and you have to give at least a $25 loan to another business on the platform yourself. 


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.

Other Resources for Women

Here are some other organizations that work to help women of all races.  

National Female’s Service Council

The NWBC is a federal advising council. It works as a resource of guidance to the government on women’s organization problems. The objective is to encourage campaigns, programs, and policies to sustain females from startup to growth.

Other Tools to Consider

Along with those firms listed above, these agencies provide support to women owned businesses. 

The AWBC runs a network of business centers geared toward women.  These centers labor to help women succeed by offering training, business development, financing, and mentoring opportunities. 

This organization, also known as NAFE, sponsors events, provides training, and offers other resources to help female business owners achieve success.  

The NAWBO works across the country to offer training, events, and other resources to women owned businesses nationwide. 

With more than 300 chapters and 10,000 volunteers, this is the country’s largest network of expert business mentors that volunteer their time.  They match female business owners with mentors, or they can participate in a workshop to help them learn what they need to know to be successful. 

Don’t Forget to Look into Grants to Supplement Business Loans for Minority Women

Though highly competitive and rarely enough to fund a business on their own, grants are a great way to supplement other business funding.  Here are a few you can start with.

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.   

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#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. 

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.  Look over the complete application for more information.

Grants for Minorities

If you are looking into business loans for minority women, then you must be both a minority and a woman.  That being the case, you should check out these grants for minorities as well. 

First Nations Development Institute Grants

The mission of this group is to offer grants that help Alaska Natives, Native Hawaiians, and Native Americans.  They offer assistance in the application process in addition to funds.

National Black MBA Association Scale-Up Pitch Challenge

Also known as NBMBAA, the Scale-Up Pitch Challenge has cash prizes ranging from $1,000 to $50,000.  The associate states its purpose is to help newer businesses that have an African founder that maintains equal ownership.  

Non-Minority or Female Specific Options

There are grants options that can work well even though they are not exclusively for minorities, or women. Some examples include the following.

FedEx Small Business Grant

There are 10 grants the company awards each year.  They range from $15,000 to $50,000. If you’re a minority owned business with a cutting-edge product, this could be the grant for you.

A business must use the FedEx website to submit entries. There are a few questions to answer about your business.  In addition, there is a requirement for an elevator pitch about what makes your business special.  Also, you have to explain how you would use the grant funds. A 90 second video submission is optional.

NASE Growth Grants

The National Association for the Self-Employed (NASE) has small business Growth Grants of up to $4,000. They are for micro-businesses, and proceeds can be used for a number of things.  They can be utilized for marketing, advertising, expansion, and even to hire employees. These grants are open to everyone.  However, you do have to be an NASE member to apply. Membership fees vary based on the membership level chosen. 

USDA Value Added Producer Grant

The USDA’s Value-Added Producer Grant (VAPG) program offers grants for small businesses.  It includes minority owned business.  Grants range up to $250,000. They are specifically to help agricultural producers with activities that add value to their products. As a result, grants are open to those in rural areas.  They must be operating as one of the following: 

  • Cooperative
  • Farmer
  • Rancher
  • an independent agricultural producer
  • or an agricultural producer group 

Business Loans for Minority Women and Other Helpful Resources

It’s important that you know about your options for business loans for minority women. However, you need to know what other resources are available as well.  There are plenty. Take a look around and see what you can dig up.

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The Doctor Will Zoom You Now

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