Author: Marcela Rabago

Absolutely No Down Mortgage Loans – Understanding No Money Down Loans

No Down Mortgage Loans – Understanding No Money Down Loans Preferably, home mortgage business like candidates to have a down repayment of at the very least 5%, in enhancement to paying closing expenses. Therefore, numerous buyers are taking benefit of absolutely no down home mortgage lendings. Just how Do Zero Down Loans Works? Lots of …

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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 The post New comment by codingdoug in “Ask HN: Freelancer? Seeking freelancer? (August 2020)” appeared first on ROI Credit Builders.

Top 5 Des Plaines (IL) Influencers, Blogs, Podcasts & Youtubers in 2020

Top 5 Des Plaines Blogs, Podcasts and Youtubers Contents [show] ⋅About this list & ranking Des Plaines Influencers Journal & Topics Media Group | Serving Chicago’s Great Northwest Suburbs » Mount Prospect Seibertron Transformers podcast The Law Offices of Rabin, Kodner & Brown, Ltd. Patch » Des Plaines Specialty Store Services Visual Merchandising Display Ideas Journal & […]

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All You Need to Know About Business Crowdfunding

Business crowdfunding is a legitimate business funding option.  Not only can it work well for startups, but it is an option for growth and expansion projects as well. 

You Need Other Funding Options for When Business Crowdfunding Doesn’t Cut It

However, crowdfunding isn’t a sure thing by a long shot.  In fact, it is pretty risky if it is all you have. Of course, you only lose what you put into the campaign, but you definitely need a backup funding plan. What do you need to know about business crowdfunding?

What is Business Crowdfunding? 

While the average person that wants to start a business needs funding, it is not always possible to find one or two large investors. With crowdfunding, you can a lot of investors to fund your business $5 and $10 at the time. 

There are many crowdfunding sites, but the most popular are Kickstarter and Indiegogo. The platforms are similar but there are some important differences. The most obvious is the timing of when you actually receive the funds that others invest in your company.

Business Crowdfunding Credit Suite

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

Kickstarter requires a preset goal, and you do not receive your funds until you reach your goal. For example, if you set a goal of $10,000 when you start your campaign, you will not receive any money that investors offer up until you reach that $10,000. 

Indiegogo requires a goal as well, but they offer the option to receive funds as you go if you would rather. They also have an option called InDemand. This program allows you to continue raising funds after your original campaign is over without starting a whole new campaign, like an extension. 

More Crowdfunding Sites

There are other crowdfunding sites out there also. Different ones work better for certain businesses and vendors. To figure out which one you might work best for your needs, you’ll have to do some research. Keep in mind your type of business and the specific business each one appeals too. 

Crowdfunding is a good starting point for a new business, but it shouldn’t be relied upon completely.  You need a backup plan.  Only a small percentage of crowdfunding campaigns are successful. Furthermore, consider how the economy is doing before you rely too heavily on crowdfunding.  If the economy isn’t strong, people will not be as likely to invest.

Examples of Successful Business Crowdfunding Campaigns

Though not all business crowdfunding campaigns are successful, some are incredibly profitable.  Here are some of the most successful. 

Pebble SmartWatch 

Pebble actually has several of the top 10 campaigns ever on Kickstarter. Their 2nd campaign is one of  the highest funded ever, reaching over $20,000,000. That’s not too shabby for a goal of only $500,000. They blew it out of the water! 

Are they still successful? They are, but not in the way you may think. They actually sold to FitBit. So I call that success.


This one is not one that most would expect to be as profitable as it was. The FlowHive Indiegogo campaign was buzzworthy for sure. The idea was to find a way to get the honey from bees without harming the bees. 

Traditionally, hives are simply broken open to get the honey. This process can kill the bees. FlowHive developed a fake hive, made from reusable plastic. Bees make honey in it, and the honey flows out through a spout. The bees are safe and fresh honey is readily available. 

Apparently, beekeeping is growing in interest. This campaign raised $14,000,000. Though they won’t disclose exact numbers, those in charge say they are still in the black. 


The coolest cooler was a super cool Kickstarter campaign that came in at over $13.000,000 raised. The cooler boasted bluetooth and a blender among other things. Investors received a cooler for their donation toward the cause. 

This one did run into some trouble when it wasn’t able to deliver investment rewards as quickly as promised and there was actually a lawsuit. In the end, everything worked out and everyone got their rewards. 

The cool gang at CoolestCooler says they are glad to put that behind them and get back to work. You can still buy one today. 

Kingdom Death Monster 1.5 

Strange name, huh?  What do you say to that? Apparently a lot of people said yes. They said yes to the tune of $12,000,000 on Kickstarter. 

It’s a board game, if you didn’t already know. It did take a while to get the get going, but investors finally got their copy. After production stopped, resale values went upwards of $1,000. A later campaign promising updated material did just as well. Seems like a lot people love horror games. 

Business Crowdfunding Credit Suite

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

BauBox Travel Jacket 

This jacket was set to be hot with 10 different design elements, like a drink holder and a neck pillow. They raised over $11,000,000 across 2 campaigns. While it had a bumpy start, including the jacket being available on retail sites before investors even got theirs, it is still selling today.

How to Launch a Successful Business Crowdfunding Campaign

There is no such thing as guaranteed success, but following these steps can help make sure you give your business the best chance possible. 

You Have to Research 

You need to know your market and what demand looks like.  The only way to figure that out is to research. Find out how much you actually need before you set your goal. Many business owners have started business crowdfunding campaigns only to find the demand isn’t there or their goal fell short of what they actually needed to get started.

You Need a Prototype

If you are selling a product, you have a sample to show investors. This is key. People are much more likely to invest if they can see something tangible. This is so important that Kickstarter actually requires you to have a prototype to show potential investors

Consider Your Platform

Once you know who your target audience is, you can decide if you would be best served by Kickstarter, Indiegogo, or some other, lesser known yet equally successful platform. If your audience doesn’t frequent the platform you are on, it won’t matter how great your idea or product is. They will never see it.

Offer Good Rewards

Rewards are vital.  However, be certain you can deliver.  Also, don’t give away the company. But if someone one is going to help you get started, they deserve something pretty epic.  Go beyond a thank you note. Be fearless with what you offer as a reward for their support, without harming your success.

Have Something to Reach For

Setting attainable goals is absolutely necessary to success. Make sure you look at the numbers in light of actual facts before you set a fundraising goal. Be certain you have production facilities on the line that can meet the timeline goals. Don’t set random goals with no clue what it will take to reach them, or if they are even realistic to reach.

Make Your Marketing Pop

You can’t just throw something together. If you do a video, it needs to be professionally edited. Any social media needs to be specifically geared toward your audience. If they are a cheesy, campy audience, then that is how your social media and videos need to come off. 

If they are an audience is more sophisticated, your campaign needs to be as well. 

Other Funding Options

Remember, you need a backup plan in case business crowdfunding doesn’t work out. Here are some options. 

Traditional Term Loans 

These are the loans that you go to the bank to get.  As a business, your business credit score can help you get some types of funding even if your personal score isn’t awesome.  That isn’t necessarily the case with traditional loans however. 

With a traditional lender term loan, you are almost always going to have to give a personal guarantee.  As a result, they will check your personal credit.  If it isn’t good enough, you will not get approval.

What kind of personal credit score do you need to have to qualify for a traditional term loan? If you have at least a 750 you are in pretty good shape. Sometimes you can get approval with a score of 700+, but the terms will not be as favorable. 

If you have really great business credit, your lender might be more inclined to be a little more flexible. However, your personal credit score will still weigh heavily on the terms and interest rate. 

Of all of the available business funding types, this is the hardest to get. It is usually worth the trouble however, because it often has the best rates and terms. 

SBA Loans 

These are traditional bank loans, but they have a guarantee from the federal government. The Small Business Administration, or SBA, works with lenders to offer small businesses funding solutions that they may not be able to get based on their own credit history. Because of the government guarantee, lenders are able to relax a little on the personal credit score requirements. 

In fact, it is possible to get an SBA microloan with a personal credit score between 620 and 640. These are very small loans, up to $50,000.  They may require personal collateral as well. 

Every rose has its thorn, and SBA loans are no different. The application progress is lengthy. There is a ton of red tape to get through due to the government affiliation. 

Business Line of Credit 

This is basically the traditional lender’s version of a business credit card. The credit is revolving, meaning you only pay back what you use, just like a credit card. Rates are typically much better than a credit card.  The application and approval process, however, is more similar to that of a traditional term loan. 

If you need revolving credit and can qualify for a term loan, this is a good option.  It is great for bridging cash gaps and covering short term expenses without the high credit card interest rates. 

Still, there are no cash back rewards or loyalty points.  This makes some business owners prefer business credit cards in some cases, despite higher interest rates. 

Invoice Factoring 

If you are an established business with accounts receivable, invoice factoring is one of the available business funding types that you have access to. This is where the lender buys your outstanding invoices at a premium, and then collects the full amount. You get cash right away, without waiting for your customers to pay the invoices.

It is a good option if you need cash fast, or you do not qualify for other funding types. The interest rate varies based on the age of the receivables.

Private Lenders 

Private lenders are lenders other than traditional banks and credit unions that offer terms loans. Generally, they operate online.  The difference between these and traditional lenders is that the loans have less strict approval requirements and a much faster application process. Most often you can simply apply online, get approval in as little as 24 hours, and the funds are in your account within 24 to 48 hours after approval. 


While there are not a lot of these out there, they are more common than you probably think. Usually, they are offered by professional organizations. There are some government grants available also. Competition can be tough, but they are definitely worth a shot if you think you may qualify. 


Requirements vary from grant to grant.  Also, most are only awarded to a certain number of recipients.  Still, they are a good option, especially if you fall into one of these basic categories. 

Business Crowdfunding Credit Suite

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

  • Women owned business
  • Minority owned business
  • Businesses run by veterans
  • Businesses in low income areas

There are also some corporations that offer grants in a contest format.  They do not require much other than that you meet the corporation’s definition of a small business and win the contest. 

Business Crowdfunding is a Legitimate Option

Business crowdfunding can be fabulous.  You can get all the funds you need to start or grow your business.  The best part is, you don’t have to pay any of it back. However, it doesn’t always work. Often campaigns do not reach goals, or they do, but it isn’t enough.  It is definitely worth a shot, but you need to know your other options as well.

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Jerry (YC S17) Is Hiring for Content Marketing (SF, Toronto, Buffalo, Remote)

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Private Health Care to the Rescue

More Fun with Impeachment History

Interesting Marketing Tips for You – 10 Brilliant Business Tips of the Week

The Hottest and Most Brilliant Business Tips for YOU – Write More Interesting Marketing Copy and More

Our research ninjas at Credit Suite smuggled out ten amazing business tips for you! Be fierce and score in business with the best tips around the web. You can use them today and see fast results. You can take that to the bank – these are foolproof! You’ll have more interesting copy!

Stop making stupid decisions and start powering up your business. Demolish your business nightmares and start celebrating as your business fulfills its promise.

And these brilliant business tips are all here for free! So settle in and scoop up these tantalizing goodies before your competition does!

#10. Be True to Your Customers and They Will Reward You With Loyalty

Our first jaw-dropping tip is all about getting more members for your membership program. If you have one, of course. Noobpreneur says a customer loyalty program is a great way to encourage repeated purchases. But that can only work if it’s a customer loyalty which actually appeals to your customers.

Otherwise, what’s the point?

Members Means Members Only – Or At Least it Should

There were two tips which we loved. One was to provide exclusive content via email. Your membership list is essentially your email list, or at least it should be. The other was to create and host members only events.

Need some inspiration when it comes to events?

The holidays are coming (eek, faster than I’m ready for, truth be told), so why not attach your event to them? Or express your gratitude to your members. Another idea is to offer exclusive training or goods or services to your loyalty customers during these events.

You can never, ever go wrong with gratitude.

#9. Keep Your Customers With Great Retention Emails

The next awesome tip is about the most necessary customer retention emails you need to send. Sleek Note notes it’s far easier to sell to your preexisting customers than hunt for new customers. And a great way to do this is to target your current customers with pertinent retention emails.

These emails can cover topics as varied as reminders and special occasions to birthday and anniversary celebrations.

One of the clearest trends we have been seeing all along is the personalization of marketing.

And these sorts of emails can help you do just that.

Interesting Marketing

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! More interesting marketing copy will help your business make more money.

#8. Control Your Business Spending, Or It Will Control YouInteresting Marketing Credit Suite

Our following life-changing tip concerns creating a brilliant business budget. Small Biz Trends lays it all out for us. We are big fans of business budgeting. After all, it can lead rather directly to better chances for funding. There’s nothing that screams fundability quite so well or so loudly as having your business finances in order.

And having your future expenses in order? So much the better.

Understand The Terms

It can sometimes feel as if finance and accounting terms are in a foreign language. This terrific article breaks them down smartly and makes them more accessible.

The way to calculate fixed costs was particularly helpful.

And the best tip of them all? It’s to keep an emergency fund. Because you never know. And when you need that money, you will be so glad you remembered to set it aside.

So do your future self a favor, and sock away some of your profits for the proverbial rainy day. If you put them in your budget, then you’ll know how much you can afford to set aside. And you’ll know just how far that cash will go, if you need to tap into it.

#7. What Does Your Brand Look Like?

For our next sensational tip, we looked at bringing your brand to life. Score says that it’s a lot more involved than, perhaps, closing your eyes and pointing.

Er, don’t do that.

The article is intriguing and really should be read in its entirety, as it compares everything from the three primary colors (plus green) to basic shapes. It also discusses the merits of photography versus illustrations. And it even gets into candid shots versus posed ones.

A Fer-Instance

So let’s say you own an over the road trucking company. Square images tend to relay an air of security and professionalism. But you may want to go with a rectangle instead, in order to evoke a truck. As for colors, you probably don’t want red, with its connotations of danger and stopping. So you might do better with blue, which is associated with calm.

And when it comes to a font, you might want to go with sans serif (the letters don’t have those little extra bits – those are called serifs). Sans serif fonts have a clean and simple look. Serif fonts, on the other hand are more classic. You’d need to choose which makes more sense with your brand.

But don’t just take our word for it – make your own brand and it’ll truly be yours.

#6. Learn From Your Setbacks and Become a Better Leader

This tip is so smart, and it works! Startup Professionals tells us how leaders can best handle their inevitable setbacks. Because they are going to happen, like it or not.

Two tips we really loved were to control how you react and to ask for help if you need it. There is no shame in asking for assistance. You aren’t less of a leader if you get someone else to pitch in. Heck, delegating is a good idea no matter what.

And controlling your reaction is often the only thing you can control. You can let your setbacks defeat you. Or you can learn from them and use them to make you a better manager. And maybe even a better person.

Failure is a part of life. Embrace it, know it, and understand it. Because it’s going to happen anyway.

#5. Write More Interesting Marketing Copy Today

Grab this mind-blowing tip while it’s hot!

Don’t we all want to create more interesting marketing?

Women on Business says interesting marketing means making boring topics more fascinating. Their suggestions are all good ones. And they dovetail rather well with advice we’ve seen before. That is, know your customer buyer persona. Address their concerns. Write directly to them, as if they were the only people in the world.

And you may have noticed some of that more interesting marketing in these Friday blog posts. Oops, you caught us! But that’s okay.

So now that you know what can make for more interesting marketing, allow your intrepid blog writer to exercise those interesting marketing muscles. In short, it’s time for a story.

What Do You Do When Interesting Marketing Just Can’t Happen?


It happens.

So, back in the day, I was a freelance writer. And I ran my own little business. This involved writing about, well, every single little thing that needed to be written about.

This included such fascinating topics such as:

  • Parking lot striping (that’s the painted lines between parking spots)
  • The psychology of male suicide (a tragic topic which isn’t boring, just hard to write about)
  • Pest control
  • Auto emissions testing
  • Lawn care
  • Choosing the right bailout kit (for rock climbing)
  • Federal employment law

Anyway, you get the idea.

So, how the heck do you write hundreds if not thousands of words on parking lot striping?

Interesting Marketing Techniques to the Rescue!

It really made me happy to see that a number of the tricks I used were endorsed in the article. Which, by the way, you really should read in its entirety. Yes, it’s that good.

But back to my story.

Interesting Marketing Credit SuiteResearch is key for truly esoteric topics. And so is breaking up the copy. Because even the more ardent parking lot striping fans (Are there such people? If so, I’m feeling kinda sorry for them) will probably suffer from MEGO if you don’t break up the text somehow.

Oh, and MEGO means ‘my eyes glaze over’.

Another great tip is to add relevance. Why are you writing about what you’re writing about? And why should your readers care in the first place? Without relating your copy to their needs, they won’t read it.


And the tip about adding humor? I like to think I do that, too. At least, I hope you’re pleased. I don’t expect you to fall off your chair, or anything.

So the other part of interesting marketing is it’s necessary even when the topic is fascinating. After all, and trust me on this one, folks – this is all too easy to do. When it comes to writing marketing copy, if you don’t watch it, you can make anything boring.

Interesting Marketing

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! More interesting marketing copy will help your business make more money.

#4. Use Brainstorming More Effectively

Check out this spectacular tip, all about bettering and perfecting your brainstorming process. Under 30 CEO notes that one fantastic way to spur creativity is – get this – boredom.

So walk away from the problem or issue for a while. The solution may come to you when you least expect it. There’s an awfully good reason why a lot of us get our best ideas in the shower.

A related tip was to change your scenery and thereby change your perspective. Take a new route to work. Move the furniture in your office. Bring in a plant. Head out to the coffee shop to get some work done. Your creativity will be all the better for it.

#3. Build Interest in Your Products and Services

It’s not your imagination: this winning tip can get prospects more interested in your product. We figure this can also apply to services. Talk about your interesting marketing! HubSpot tells us that engaging the prospect is vital. And they gave a fascinating method for doing just that.

Picture this.

A sales person calls you and you’re interested enough to not just hang up. And then after a while, they say to you, “There’s one more thing I want to talk about before our conversation ends. Would you be so kind to remind me of it before we hang up?”

That’s a brilliant bit of marketing.


Because it does two things. One, it gauges if someone is truly paying attention and interested. If you’re not, then you won’t remind the caller. You’ll just end the call as soon as you politely can. But if you are interested, then you may be intrigued by whatever that extra thing is. Is it a discount? A slightly different offering which would suit you better? A free gift?”

And the other thing it does is, it gives the caller a reason to extend the conversation. Which just so happens to be another of the terrific tips in that article.

#2. Creativity is Awesome – But Ranking in Search is Equally Awesome

Our second to last unbeatable tip can give you a new perspective on SEO copywriting. Because along with all of that interesting marketing language, you do still need to rank in search. Word Stream reveals all about ranking on Google. And while there are other search engines, the bottom line is Google is the big, 900 pound gorilla. And that’s not even including Google Images search, which is technically separate.

So if there’s a choice between what Bing wants and what Google wants, the answer is clear. Sorry, Bing.

This is another article to read in its entirety. So we’ll just cherry pick a few points here.

Keyword Intention

Why are people searching for … whatever it is they’re searching for? There’s a marked difference between a search for the history of Christmas and one for how to throw a great Christmas party.

Google loves it when you match intent to content. So if you’re selling, for example, Christmas ornaments, you need to lay off the history of them or just mention it in passing before getting to the goods.

And for people looking for the history of Christmas trees, you’re not matching their intent if you associate that keyword phrase with a page where you’re selling wreaths. Not only do you have the product wrong, but you’re also not matching searcher intention.

Target Ancillary Keywords

Just what does that mean? It means that if you’re selling Christmas tree ornaments, you might want to add phrases like Christmas angel, holiday ornament, and Xmas decorations to your content. Often a great piece of content can rank for more than one key phrase. Related keyword phrases bolster your case for ranking on any of those phrases.

One great place where you see this is the related searches section. Your related keyword phrases are, if you select them well, going to answer those related search queries as well. And that means they’ll be on the first page of related search results.

#1. How Do You Use Your Organizational Chart? Wait, You Don’t Use Yours? Here’s How You Can

We saved the best for last. For our favorite remarkable tip, we focused on making your organizational chart more useful. A bit different from interesting marketing, but still helpful for running a business, eh? E One Network says there are better uses for an org chart than just as something pinned to the bulletin in the break room and then forgotten and covered by a flyer asking for a car pooling buddy.

Our fave tip was to ditch the names. It’s a great idea. Consider this. People may move around or come and go. So instead of continuously changing it, why not just show that the Content Manager (er, that’s me) has a writer under her? If there’s another writer hired, or 50 hired, then the relationship is already in place.  A new employee hired a year from now can use the exact same chart as one hired 20 years ago.

Not bad for a simple file, eh?

So which one of our brilliant business tips was your favorite? And which one will you be implementing now?

Interesting Marketing

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! More interesting marketing copy will help your business make more money.

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Another Day in Bureaucratic Hell

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