Author: Keith Wessel

Joe Biden's Mixed Iran Messages

He orders a strike against Iran-backed militias but makes concessions to Tehran.

10 Content Marketing Trends for 2021 and Beyond

Organizations that have made consistent and sound investments in content marketing have reported those investments paying dividends in recent years. However, to maintain their growth, marketers must also stay tuned into the ever-changing content marketing landscape. What worked last year may not be enough to creep ahead in 2021. Being able to anticipate trends and …

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Top 25 Landscaping Instagram Influencers most followed in 2020

Top 25 Landscaping Instagram Influencers most followed in 2020 Promote Your Instagram Profile Get more people to visit your Instagram profile by featuring it in the list below. Helps you grow your business, your influence, or your audience. Submit your instagram profile below if you want to grow your traffic and revenue. Submit your Instagram […]

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Your SBA Loan Checklist During Recession Periods

Grab an SBA loan checklist and get the funding your business needs to grow and flourish, even during recession periods. But be aware – it’s a lot. And SBA loans are hard to qualify. More on that later. And keep in mind, during the COVID-19 situation, the SBA Paycheck Protection Program is out there, but the program’s rollout has been rocky. Check out the most current information on the SBA Paycheck Protection Program

Recession Era Funding

The number of US financial institutions and thrifts has been decreasing slowly for 25 years. This is from consolidation in the marketplace along with deregulation in the 1990s, reducing obstacles to interstate banking. See: 

Assets concentrated in everlarger financial institutions is problematic for small business owners. Big banks are much less likely to make small loans. Economic slumps mean banks become much more mindful with lending. Luckily, business credit does not count on banks.

What Does the SBA Do?

The Small Business Administration isn’t a lender; they just guarantee loans from conventional lenders, such as banks and credit unions. This is true even during recession periods.

The Small Business Administration truly wants your new small business to succeed. They know from experience that your business’s funding sources might not be perfectly reliable, particularly if your business is a new one. You might be trying to get a trade line but cannot get one, at least for the time being. Your parts supplier might end up with a strike at the factory. The weather could make your fruit supplier’s crop fail. Or your competitor might get to market first.

No matter what your reason for wanting a Small Business Administration loan, here are the specifics of what you will need:

SBA Loan Checklist for Recession Periods: Make Sure You Have Excellent Credit, Both Business and Personal, Plus Bank Credit

The SBA and the bank want to see your personal credit score, particularly if your business is a new one. 

SBA Loan Checklist for Recession Periods: Your Personal Credit ScoresSBA Loan Checklist During Recessions Credit Suite

Your personal credit score runs from 300 to 850. The number is dependent upon several factors, including the following.

It will show how fast you pay your bills. This is the most important factor.

It will also show how completely you pay your bills. And it will include the length of time you have had credit.

Plus it will show how much of your overall credit you are using. This is called your credit utilization rate. It will also include how many recent inquiries you have had on your personal credit reports.

And it will contain information on the type of credit you’re using. So those are credit cards, mortgage, etc.

Payment history and amount owed are the two biggest factors in figuring your personal credit score. You can’t have bankruptcies or other big blemishes on your personal credit report.

SBA Loan Checklist for Recession Periods: Your Business Credit Scores

More established businesses will also have meaningful business credit scores, and the SBA and your lender want those to be excellent as well. Your business credit is also based on your payment history, amount owed, and credit utilization rate. 

However, it’s also based on whether there are any liens or judgments against your business, or any UCC filings. Your business credit score also has a basis in your revenue and cash flow. 

Credit inquiries don’t impact your business credit score like they do your personal credit score. Good business credit means a PAYDEX score of 80 or better.

What frustrates you the most about how bank ratings decide if your business will get a loan? Check out how our guide can help.

SBA Loan Checklist for Recession Periods: Great Bank Credit 

Excellent bank credit will include keeping over $10,000 liquid in your accounts. But let’s look at what bank credit is in the first place.

A bank credit rating is a measure of the sum total of borrowing capacity which a business can get from the banking system only. 

Bank Credit Ratings Clarified

A business can get more company credit promptly, so long as it has at least one bank reference and an average day-to-day account balance of a minimum of $10,000 for the most recent 3 month time period. This setup will generate a bank credit score of a Low-5. So this means it is an Adjusted Debt Balance of from $5,000 to $30,000.

A lower rating, like a High-4, or balance of $7,000 to $9,999 will not immediately deny the business’s loan application. Nonetheless, it will slow down the approval process.

What is a Bank Score?

A bank score is a measure of the average minimum balance as kept in a business bank account over a 3 month long period. Thus a $10,000 balance| will rate as a Low-5, a $5,000 balance will rank as a Mid-4, and a $999 balance will rate as a High-3, and so on.

A company’s chief objective ought to always be to maintain a minimum Low-5 bank score (or, an average $10,000 balance) for at the very least 3 months. This is because, without at least a Low-5 score, the majority of financial institutions will operate under the assumption that the business has little to no capacity to repay a loan or a business line of credit.

But there is one point to bear in mind – you will never really see this number. The bank will just keep this number in its back pocket.

What frustrates you the most about how bank ratings decide if your business will get a loan? Check out how our guide can help.

The Bank Rating Ranges

The numbers work out to the following ranges:

To get a High-5 rating, your small business will need to have an account balance of $70,000 to $99,999. For a Mid-5 rating, your business must have an account balance of $40,000 to $69,999. And for a Low-5 score, your business should keep an account balance of $10,000 to $39,000. So your business needs this level bank rating or better to get a bank loan.

For a High-4 score, your small business must have an account balance of $7,000 to $9,999. And for a Mid-4 rating, your small business must keep an account balance of $4,000 to $6,999. So for a Low-4 rating, your small business will need to have an account balance of $1,000 to $3,999.

SBA Loan Checklist for Recession Periods: Keep a High Balance

Perhaps the most convenient way to attain and keep a great bank credit rating is to deposit at the very least $10,000 into your business bank account and keep it there for as long as six months. While you will still need to make regular deposits, this straightforward step will aid in three ways. 

One, you will have kept a great minimum balance for a minimum of 3 months. 2, you will most likely not overdraw with such a great balance. And three, you will be at the magic minimum for a Low-5 bank credit score. Therefore you will be dealing with our # 4 and # 7, above.

And you might even be able to get around our # 3. Yet we still highly recommend overdraft protection.

SBA Loan Checklist for Recession Periods: Keep Your Information Congruent

Ensure your small business account information are consistent across the board, all over. No lender will stop to consider the myriad ways your business can be listed online. If they don’t see what they want, they’ll just deny your application.

SBA Loan Checklist for Recession Periods: Make Consistent Deposits

You will need to make consistent deposits, and make sure they are more than the quantities you are withdrawing each month.

What frustrates you the most about how bank ratings decide if your business will get a loan? Check out how our guide can help.

SBA Loan Checklist for Recession Periods: Know and Follow Your Lender’s Minimum Requirements and Amounts

For one thing, your business must meet the SBA’s size standards, as these loans are only meant for small businesses. You will need to be current with any government loans, and that includes personal student loans. 

SBA Loan Checklist for Recession Periods: Documents, Documents, Documents

Of course you’re going to need paperwork! Traditional lenders will generally request a wide variety of legal and financial documents during the application process, which can include the following.

Bring in your personal and business income tax returns, generally for the most recent three years.  You should also bring in your business’s balance sheet and income statement.

Don’t forget your business and personal bank statements. And bring in a photograph of your driver’s license.

Plus you will need a copy of any commercial leases your business has. And take along copies of contracts you have with third parties.

You will need copies of your business licenses. And add a copy of your articles of incorporation. 

Carry along a resume which demonstrates relevant management or business experience. Take along a set of financial projections if your small business has a limited operating history.

Bring with you a profit and loss statement current to the past 90 days. Take your loan application history.

And don’t forget your business credit report!

SBA Loan Checklist for Recession Periods: A Good Business Plan

You’re not done with the documents yet. Good business plans show the following items. 

Make sure to include a description of your company. And add a description of your product and/or service.

Include the names of the people on your management team. And put in an analysis of your industry.

You will need to include your facilities and operations plan. Also include your promotional, marketing and sales strategy.

And add what’s called a SWOT analysis. This stands for strengths, weaknesses, opportunities, threats. The idea is to show you know your business and your industry well.

SBA Loan Checklist for Recession Periods: Collateral or a Personal Guarantee

You will also, most likely, need to put up collateral. Collateral is assets which the lender can seize in the event that you default on the loan. These kinds of assets include inventory, equipment, vehicles, and any real estate the company may own. 

Another species of collateral is what’s called a blanket lien. These liens give the lender the right to take assets covered under the lien in the event of nonpayment.

In the absence of collateral, the lender will want a personal guarantee. 

If you can provide all of these documents and fulfill all of these requirements, then an SBA loan just might be in your small business’s future. The COVID-19 situation will not last forever.

The post Your SBA Loan Checklist During Recession Periods appeared first on Credit Suite.

Social Media Marketing Consulting

Hiring a social media marketing consultant could be a game-changer for your business. You could use the help of an expert if:

  • You’re struggling to acquire or retain customers
  • You aren’t getting the ROI you’d like from social media 
  • Your social media strategy is all over the place
  • You or your team don’t have much social media experience

Social media consultants have the knowledge and skills to turn your lagging social media campaigns around. You’ll be able to access advice and strategic planning at the highest level.

If you’re considering working with a social media consultant, here’s everything you need to know:

4 Ways a Social Media Marketing Consultant Can Help Grow Your Business

Consider a social media marketing consultant your business’s Yoda. They’re the wise teacher and guide that can help you 10x your business through social media. Here’s what they’ll do:

1. Develop a High-Performing Social Media Strategy

A social media marketing consultant will take a deep dive into your current strategy and performance. They’ll help you figure out what’s working and what’s not to see where there’s room for improvement.

The consultant will work off of your business objectives or help you to set smarter goals if that’s what’s needed. From there, they’ll develop a custom social media strategy to help you smash your goals.

Your social media expert will help you with tactics tailored to your business and establish a high-performing social media sales funnel, which is key because on average it takes seven and a half visits to your website before somebody makes a purchase.

2. Achieve Big Results

Working with a social media consultant can be very rewarding. They will help you get the most ROI from your social media campaigns.

First of all, they can help you build a larger social media following. They’ll teach you how to grow a community around your brand and engage followers.

They can also come up with content and advertising strategies that: 

  • bring new potential customers to your business 
  • re-engage leads
  • drive conversions and more…

3. Provide Expert Advice

The best social media consultants are experts that have tons of experience helping clients grow their businesses. They’re able to share that wealth of knowledge and experience with you.

If you’ve hit a roadblock on social media, a consultant can bring a fresh perspective and use their know-how to come up with solutions to your issues. They’re well-versed in established best practices as well as new trends, so they can for sure point you in the right direction.

Some social media consultants offer training so that you can continue to manage your campaigns effectively.

4. Help You with Analytics

It’s essential that you track your social media performance using the right metrics. 95% of the most successful B2B marketers use metrics to measure content performance.

When you monitor your analytics, you can see if you’re meeting your goals and where you might need to up your efforts or tweak your strategy.

But for some, all of the data and reports can get a bit much. A social media consultant can guide you towards the best tools or software for social media analytics and monitoring.

They can help you decipher reports and pick out the key information and metrics for your business or campaign objectives.

All in all, a social media marketing consultant will develop a strategy and implement tactics that will help you meet your goals and grow your business.

How to Get Started with Social Media Marketing Consulting

If you make the right preparations, you and your social media marketing consultant can hit the ground running. Your collaboration will run smoothly and you’ll get much more from it. So, here’s what you need to do to get started:

1. Figure Out What Kind of Consultant You Need

The first step is establishing what areas you need help in. You must decide what kind of role you want the social media marketing consultant to take. This may fall into one or more of the following categories:


The consultant takes an advisory role. They do their due diligence regarding your company and target audience, for example, by interviewing the right executives within your team or creating buyer personas.

With all of the information gathered, they’ll create a detailed social marketing strategy, provide the necessary training and/or continue to advise you over a set period of time. 

Project Management

It’s also possible to hire a social media consultant that not only comes up with the right strategy but also turns that strategy into an actionable plan. They’ll figure out timelines, budgets, resource allocation and so on.


In this case, the social media marketing consultant will do all of the above and then jump in the trenches with you. They’ll oversee and participate in the implementation of your strategy.

So, the question is do you need an advisor or somebody who is going to roll their sleeves up and see the project through, too?

2. Set Your Goals

Your social media goals are the jump-off point for a marketing consultant. They determine the overarching strategy to be implemented, as well as the key performance indicators to measure.

If you have an idea of what you hope to achieve through social media, then try to document your objectives as clearly as possible. For example, you may wish to increase your Instagram ad clickthrough rate by X%.

But, as mentioned above, if you’re lost, a social media marketing consultant can help you set goals and create a sales funnel from scratch.

3. Get Your Ducks in a Row

The final thing you need to do before working with a social media marketing consultant is to prepare any documentation or reports that you wish to share.

For instance, you might put together a package of analytics reports from the past year. Or perhaps you want your social media strategy to align with your wider digital marketing strategy. In this case, you’d need to share your documented strategy with the consultant.

The more useful information you’re able to share, the better.

Essentially, there’s a bit of groundwork you need to do before working with a social media marketing consultant. But, ultimately, it’ll make your work together that much more successful.

Measuring the ROI of Social Media Marketing Consulting Services

When done well, social media marketing produces a high return on investment. In fact, I used social media to generate $632,481 in sales in one year.

But, one thing you have to bear in mind is that the way you measure ROI depends on your goals. Sometimes, social media marketing activities have an influence on sales, but you don’t necessarily see the dollars that come directly from those activities.

For example, you might share blog content on social media to generate traffic and increase brand awareness. The way you would measure the ROI of such activities would be according to the number of views or levels of engagement.

Naturally, it’s easier to calculate monetary returns when working with lead gen campaigns or paid ads. In this case, you’d measure the number of leads generated or, simply, conversions.

It’s vital that you discuss ROI with a social media marketing consultant in terms of your goals. You need to understand what you can expect to achieve for the rate that you’re paying.

6 Point Checklist for Finding the Right Social Media Marketing Consultant

There are tons of social media marketing consultants out there. Not all are made equal. Hence, you need to know what to look out for and what kind of questions to ask in order to make the right choice for you:

1. Relevance

As mentioned above, there are different kinds of social media marketing consultants. Therefore, you need to see if the consultant offers the services you require.

Furthermore, do they have experience of working in your industry? Relevant experience with similar clients to you means they know which tactics are likely to be most effective for your target audience.

Check their website to see former clients and what they’ve achieved for them. Some review sites, such as Clutch, also indicate the size and category of clients.

2. Experience

In the world of consulting, experience is everything. A consultant might make big claims but can they actually follow through?

Anyone can take a quick online course or read blog posts about social media marketing. It’s an entirely different thing to have implemented successful campaigns IRL.

The first step is to check the consultant’s own social media channels. If their following, engagement rates or content seems a bit crap then they’re likely inexperienced and will do a crappy job for you.

Next, check their credentials. How many years of experience do they have in the industry? Do they have hands-on experience?

3. Connections

If you can find a consultant with industry connections or links to social media influencers, then it’s a huge bonus. 

This is the kind of thing that the average business would find very difficult to achieve on their own unless they wanted to pay through the roof on influencer marketplaces and the like. Find out from your consultant what kind of collaborations are on the table.

At Neil Patel Digital, for example, we’ve fostered connections with thought leaders and influencers in a number of spaces over the years, including B2B, marketing, tech and more. We know what benefits such relationships can bring.

4. Examples

Firstly, it’s a good idea to source examples of a consultant’s previous work as proof of their experience. This might come in the form of case studies or blog content in which they talk about their professional experience.

You should also seek examples of what the consultant can do for you specifically. Obviously, they’re not going to map out an entire strategy for you before you agree to work together.

However, they should be able to give you examples or ideas of the kind of work they can do for you and what kind of results they would expect to achieve.

5. Pricing

Social media marketing consultants’ rates vary. Usually, you can expect to pay a higher rate for more experienced and more skilled consultants. But, be sure to do your research on all of the other points to check a consultant is worth the rate they’re charging.

You also need to consider how their pricing works logistically. Does the consultant offer tiered packages or an hourly rate? Is there a minimum length of contract? Are there additional costs involved?

Always choose a consultant that’s transparent about their terms and pricing.

6. Balance

The consultant you’re vetting should have a positive attitude. You should seek out somebody that is enthusiastic and confident about helping you grow your business via social media.

However, be wary of those that over-do it. A good social media consultant will also be realistic about what they can help you achieve and the time-frame you can expect to achieve it in.

Overall, don’t be afraid to ask a bunch of questions. A good social media marketing consultant will be willing to answer them clearly and openly.


It’s worth hiring a social media marketing consultant if you hope to revamp a failing social media strategy or to take your existing strategy to the next level. Using the right tools and tactics, they’ll gain an in-depth understanding of your business and target audience to help you achieve your goals.

When it comes to choosing the right social media marketing consultant for you, make sure they not only have hands-on experience with social media marketing but also experience relevant to your industry or the services you need.

Now it’s over to you to find a consultant that will help you grow your business. The first step: Set your goals and work out exactly where your business needs help.

The post Social Media Marketing Consulting appeared first on Neil Patel.

Top 5 Arcadia (CA) Influencers, Blogs, Podcasts & Youtubers in 2020

Top 5 Arcadia Blogs, Podcasts and Youtubers Contents [show] ⋅About this list & ranking Arcadia Influencers Bartlett, TN » News Bartlett Express 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 We have 0 Arcadia bloggers. Get bloggers contacts for […]

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China's Hostage Diplomacy

Top 100 Dad Instagram Influencers most followed in 2020

Top 100 Dad Instagram Influencers most followed in 2020 Dad Instagrammers

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Labor Shortage May Imperil Growth

New comment by ablanco402 in "Ask HN: Who wants to be hired? (July 2019)"

Location : Barcelona Remote: No Technologies: Ruby, RoR, Go, TDD, API REST, Cloud, PostgreSQL We are looking for passionate developers with strong experience in the stack above. If you are interested in have more information, please, attach your CV to this link.…