Author: Jesus Dunbar

Top 2 Florida Podcasts You Must Follow in 2021

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

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The Censorship Party

House Democrats use a hearing to target conservative media.

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

NPR | Senior iOS Engineer | Washington, DC | Onsite (Preferred) or Remote (US Timezones) | Full-time | A thriving, mission-driven multimedia organization, NPR produces award-winning news, information, and music programming in partnership with hundreds of independent public radio stations across the nation. We’re looking for a Senior iOS Engineer to join our team! …

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6 Things You Need to Know About Alternative Business Lending

Alternative business lending rose from the ashes of the 2008 crash. This was a time when lenders were giving almost no one money.  It was virtually impossible to get a loan of any sort for any reason. Business loans were extremely hard to come by, and when you could get one, rates were terrible. 

Alternative Business Lending: Your Questions Answered

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

As a result, alternative lenders began to pop up. Funding Circle is credited with being the first, but others soon followed. That means this is a fairly new game.  It can be hard to figure out if it is one you should play. This should help. 

  1. What is alternative business lending? 

alternative biz lending Credit SuiteThis type of lending is offered through private companies, not traditional financial institutions like banks and credit unions. They can be an option for those who do not qualify or who do not have the time to wait for a bank loan. These lenders explore other ways of verifying creditworthiness and other forms of collateral. 

Collateral may include credit card transactions, open invoices, equipment, real estate and more. 

  1. How much is alternative business lending?

This is a question asked by many when they first start considering alternative lending options.  The truth is, it depends. That’s the case with any loan.  There are fees, and interest is a factor.  Typically interest is higher with alternative lending. But if you can’t get anything else, you can’t really compare.  

  1. What are the pros of alternative business lending? 

So, why choose alternative lending? Well, if you can’t get a traditional business loan you may need to consider this option. However, there are other reasons as well. For example, alternative lenders typically fund much faster. So, if you need fast cash, this could be the way to go. 

Also, the application process is usually faster and easier. Often you can apply online in a matter of minutes. Repayment terms are usually more flexible as well. 

  1. What are the cons of alternative lending?

As already mentioned, interest rates with alternative loans are usually higher. There is also a breeding ground for scammers in this industry.  It’s important to know how to recognize predatory lending practices to avoid being taken advantage of.

  1. Is alternative business lending right for you? 

If something is blocking you from being approved for a loan through a bank or credit union, then the answer to this question is probably yes. It is highly likely that this is a type of lending that can work well for your business. This is especially true if you have invoices, accept credit card payments, or need to finance equipment. Common types of alternative loans include: 

  • Merchant cash advances
  • Invoice financing
  • Equipment financing
  • And  real estate financing

There are other options as well, and they vary between lenders. These are some of the most 

common however. 

  1. A credit expert can help you find the best alternative business funding for your business. 

Now you need to figure out which lender and which products from that lender will work best for your specific business needs and goals.  The best choice is to work with a business credit expert.  This is someone that can help your maneuver through the process in the most effective and efficient way.  That will help immediately.  Beyond that, into the long-term, an expert in business credit can help you figure out why you are being denied funding, and help you fix the problem. 

Where should  you start when looking for alternative lenders? Here are some options to consider. 

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


Fundbox offers a line of credit rather than a loan.  Still, it is a great funding option because there is no minimum credit score requirement. 

 They offer an automated process that is super-fast. Repayments are automatic, meaning they draft them electronically, and they occur on a weekly basis.  One thing to remember is that you could have a repayment as high as 5 to 7% of the amount you have drawn currently, as the repayment period is comparatively short.  This means you need to be sure you have enough funds in whatever account you connect them to so that it can cover your payment to Fundbox  each week. 


You will find with most any online lender, they often offer options more similar to invoice factoring and lines of credit.  This is because those options present fewer risks than straight term loans.  BlueVine is no different. 


Upstart is an online lender that uses a completely innovative platform for loans.  The company itself questions the ability of financial information and FICO on their own to truly determine the risk of lending to a specific borrower.  Instead, they choose to use a combination of artificial intelligence (AI) and machine learning to gather alternative data for use in making credit decisions.

This may include such things as mobile phone bills, rent, deposits, withdrawals, and even other information less directly tied to finances.  The software they use learns and improves on its own. You can use their online quote tool to play with different amounts and terms to see the various interest rate possibilities.  

Upstart’s innovative platform makes them one to research for sure. 

Fora Financial 

Founded in 2008 by college roommates, online lender Fora Financial now funds more than $1.3 million in working capital around the United States. There is no minimum credit score, and there is an early repayment discount if you qualify. 


Obtaining financing from OnDeck is quick and easy. First, you apply the OnDeck website and receive your decision once application processing is complete. If you receive approval, your loan funds will go directly to your bank account. The loan amounts range up to $500,000.

 Lending Club

Popular online lender Lending Club offers term loans.  You can get a quote in less than 5 minutes. Funds are available in as little as 48 hours if approved. There are no prepayment penalties.


Kiva is an online lender that is a little different. For example, the interest rate is 0%.  That means even though you have to pay it back, it is absolutely free money. They don’t even check your credit. However, there is one catch.  You have to get at least 5 family members or friends to throw some money in the pot as well. In addition, you have to pitch in a $25 loan to another business on the platform. 

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


If your personal credit is okay, Accion may be a good fit for small business startup loans. It is a microlender, a nonprofit, that offers installment loans to both startups and already existing businesses. 


Credibly is also a good option for business loans if you are already generating some revenue. They offer short term loans for both business expansion and working capital. You must be in business for at least 6 months to qualify, and Credibly will approve loans to those with credit scores as low as 500. 

Alternative Business Lending Is a Great Tool, but Not a Forever Answer

I mean, it could be a forever answer, but there is a better way.  If you work to build up your fundability, you can get a lot of perks offered by alternative business lending with the interest rates offered by traditional loans.  You could have the best of both worlds.  It takes time to get there however, and alternative loans are the best option for many in the meantime. 

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

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

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New Story Charity (YC S15) Is Hiring a Fundraiser

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Top 20 Spiderman Podcasts You Must Follow in 2020

Top 20 Spiderman Podcasts Contents [show] ⋅About this list & ranking Spiderman Podcasts Amazing Spider-Talk Spider-Man Crawlspace Podcast Spider-Man the Animated Series Podcast Web Tales a Spider-man Podcast Livin’ On The Edge TOTALLY SUPER The Ultimate Spider-Man Review Show That ’90s Spider-Man Show Swinging Through Spider-Man | A Spider-Man History Podcast Amazing Spider Web Cast Spider-Man and […]

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In Profits With Your Articles

In Profits With Your Articles Articles are a wonderful means to earn money online. Or a professional composing posts can be a fantastic resource of revenue if you are brand-new to the web. Ace are completely a number of manner ins which creating posts can make you cash. By sending your posts to write-up directory …

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New comment by codingdoug in "Ask HN: Freelancer? Seeking freelancer? (August 2020)"

SEEKING WORK | Remote I am a Xoogler and consultant specializing in Firebase and Google Cloud. Firestore, Realtime Database, Cloud Functions, Authentication, Cloud Storage, Cloud Messaging, Hosting, Performance Monitoring, Remote Config

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Ubersuggest Chrome Extension 2.0: The Ultimate Keyword Research Tool

Please note: Once you install the extension, all you have to do is go to Google and perform a search. That is where you’ll see data.

I promised that I would release a new version of the Ubersuggest Chrome Extension today, and now it’s out.

You can go here to install it.

If you are wondering what’s new… well, let’s just say the changes have made keyword research much better and a lot easier. And on top of that, later in this post, I’ll even give you a sneak peek at the new changes that we are making to the extension that will be released within 30 days.

So, what’s new?

Who says keyword research should be limited to Google?

What most people don’t know is that YouTube is the second most popular search engine and has been exploding.

On top of that, Amazon is the largest e-commerce site in the world and SEOs are doing Amazon SEO and Amazon ads… so why not have access to keyword research there, too?

Now, when you go to YouTube and perform a search you’ll see data on suggested keywords as you perform a search.

And if you want more details on any given keyword you searched for, just click “view all” next to the search bar and you’ll see something like this:

It breaks down search volume over the last 12 months as well as shows you if a keyword has any seasonal trends.

You can also see how competitive a keyword is to rank for, its cost per click data, how many people even click on any of the listings, and even the age range of the people who search for that term.

Also, what’s interesting is that you can see data on whether a keyword is searched more on mobile or desktop devices and the breakdown. This is important because mobile searches tend to not convert as well… so ideally you want to go after keywords that have more desktop searches when possible.

Now on the right side of any YouTube search listings page, you will also see more keyword suggestions.

It’s pretty similar to what the extension already shows on Google… this is more so our version for YouTube.

But with Amazon, we didn’t want to impact your user experience too much, so we decided to provide keyword data in the most unobtrusive way possible…

Anytime you perform a search on Amazon, you’ll see keyword data on the suggestions.

So now anytime you want to do keyword research for social media or e-commerce, you can easily do so with the Ubersuggest Chrome extension.

But wait, there is more…

There is also one other important change made to the extension that you may have already noticed if you use Google on a regular basis.

When you search on Google, there is now traffic estimations under each URL.

This traffic estimation is for organic search traffic and it is done on a domain level. Eventually, we will tweak it to be page-based and even show you the other keywords each page ranks for… but for now, we are providing you with organic traffic estimates for each domain.

And if you are more of a visual person, in the right-hand sidebar you can also see the traffic estimation for any result in the top 10.

So if you want to know traffic data in addition to keyword suggestions when you perform a Google search, make sure you install the Ubersuggest Chrome Extension.

But the best is still to come…

My goal is to make major releases to Ubersuggest every month if possible… every other month if all doesn’t go as planned.

The next big one is introducing competitor analysis features within the extension.

Right now if you click on the “Ubersuggest” logo within your Chrome browser you see something like this:

Now, that’s not really useful.

So, within the next 30 days when you click on the “Ubersuggest” logo within Chrome, I am thinking of showing something like this:

For any domain you’ll be able to see the following metrics:

  1. Domain metrics – you’ll see a quick overview of each domain. From the number of organic keywords a site ranks for to their estimated organic traffic, domain score, and even number of backlinks.
  2. Historical traffic – you’ll see an organic traffic chart of the last 6 months to any given site.
  3. Top pages by country – want to know the most popular pages on your competitor’s site? This table will show you just that.
  4. Top keywords by country – you’ll also be able to see the most popular keywords that drive traffic to that site.


If you already have the Ubersuggest Chrome extension installed, you may need to reinstall it because we now show you data on YouTube and Amazon. That means you’ll have to grant Ubersuggest permission to show you data on those two sites.

If you don’t have the extension installed, you can do so by going here.

Let me know what you think about the new extension, the upcoming releases, and if you want me to add any other features. 🙂

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