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New comment by teddy_goold in "Ask HN: Who is hiring? (January 2021)"

Ohalo | London or remote | Backend/DevOps engineer | full time |

We are a small, funded company that builds data privacy solutions for some of the biggest enterprises in the world to protect the data rights of millions of people.

We are looking for a backend/devops engineer with experience of Docker (and associated best practices) as well as proficiency in Java (Spring) and Gradle. Remote working or (when not pandemic-restricted) working out of our offices in central London is possible.

Our stack is built in Java/Python with a React frontend. Much of the initial focus will be on improving and implementing our deployment processes. To that end, we require that you are familiar and comfortable with enterprise-level deployments, networking and SQL database fundamentals.

To find out more about the opportunity, please check out

Look forward to hearing from you!

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Release (YC W20) Is Hiring – Senior Rails with DevOps (K8s) Experience

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When it Comes to Business Credit Score, Experian is Only One Option

Experian is one of three major credit reporting agencies.  Equifax and Dun & Bradstreet round out the bunch.  It’s easy to see why your business credit score with Experian is important when you consider they keep files of 99.9%  of American companies.

What You Need to Know About Your Experian Business Credit Score

Your business credit score is important regardless of which credit reporting agency it comes from.  It’s also important that you understand what your business credit score is saying to lenders.  Beyond that, you cannot truly function well as a business if you don’t understand what makes up your score.  In light of that, here is what you need to know as relates to your business credit score, Experian especially. 

Business Credit Score Experian: Getting Started

According to Experian, all their information comes from third parties. Businesses cannot add any information to their company credit profile. 

However, you need to have your business set up properly. Failing to do so means those third parties will not recognize your company as a business. It is vital to establish your business as a separate entity from yourself.  If you don’t, your business transactions will get mixed up with personal transactions.  Not only that, but they may show up on your personal credit report.  That is not a good thing. 

Keep your business protected with our professional business credit monitoring

Here is what you need to start separating your business from yourself. 

Business Credit Score Experian: What you Need to Know About IntelliscoreExperian business credit score

With Experian, the main business credit score and report is the Intelliscore Plus.  It contains the following.

Business Information

First, there is the standard business identifying information.  That is your business name and address.  In addition, ownership data is included. Important personnel and the type of company you have will also be there. Furthermore, time in business, number of employees, and the amount of yearly sales are all on this report. 

Payment Information 

Then, you can see delinquent payments. This includes how many days late they are. Lenders can also see an overall trend.  For example, the lowest and highest balance for the past six months.  Current balance is also shown. By showing the credit limit available to your business, the report gives an idea of the credit utilization rate for your company.

The number of tradelines your business has is here as well. Also, you will see how many times a company has checked your credit and any UCC filings. 

There is a comparison of businesses doing worse than yours too.  In addition, the number of bankruptcies, liens, and judgments are in this section.  

Summary of Credit

The credit summary shows the Experian business credit score.  Also, it links to information on what goes into the score and tips on the best ways to improve it.

Payment Summary

After that, you see the payment summary. There are visuals for trends by the month and quarter.  

Next, there are bar charts showing payment trends for the past 6 months.  This is as reported from the tradelines.  

Trade Payment Information

Then, there is a section about how your business has done with its payments. This is broken down by type of account.

Keep your business protected with our professional business credit monitoring


Next up are inquiries. These are companies that have pulled your small business’s credit. The list includes the names of companies making inquiries and the month the inquiry was made.

Collection Filings

For the next section, any collection filings are on the report by date.  It includes collection agency name, status, amounts, and the close date, if appropriate.

Collections Summary

This is self-explanatory. It is a summary of collections, and it is just below the collection filings portion.

Commercial Banking, Insurance, Leasing

In this section, Experian lists all the information it has on your business relationships.  For example, this includes relationships with insurance, commercial banking, and leasing companies.  Specifically, how much credit was extended?  When did the loan start? It also includes any remaining balance.

Judgment Filings

Next is the report on legal information.  It includes the court where a judgment was filed, the date, and how much it was for.

Tax Lien Filings

Tax lien filing information is similar to judgment filings.  The only difference is there is a listing for a filing location instead of court. 

UCC Filings

You guessed it.  Here you will find information related to UCC filings: 

  • Date
  • filing number
  •  jurisdiction 
  • name of the secured party 
  • activity on the filing.

UCC Filings Summary

Under that, is the UCC filings summary.  It is broken down by filing period and type of filing.  

Owner Profile

There is also an entrepreneur profile for smaller companies.  The purpose of this is to show relationships between you and your business. It automatically links the credit history of business owners to their business credit report. 

That means, it is much easier for your creditors to access your personal credit. They may use it in determining your creditworthiness as a whole.  So, even when you do the work to establish separate business credit, your personal credit can still be taken in to account.

Business Credit Score Experian: Intelliscore

The Intelliscore is a credit-risk evaluation.  It’s based on statistics. The goal is to help businesses, investors, and potential lenders make decisions about creditworthiness.

It’s similar to how lenders use your personal credit score. Before they decide to lend you money, they check your credit score.  The Intelliscore Plus can provide an idea of the credit risk associated with a specific business. 

Intelliscore Plus Credit Score Range

Your business credit score with Experian ranges from 1 to 100.  A higher score indicates a lower risk. In contrast, the lower your score, the higher risk. 

How Is A Business Credit Score Experian Calculated?

One reason Intelliscore is so good at calculated risk is that they identify key factors that show how likely a business is to pay their debt.

There are over 800 of these factors.  However, they can all fit into the following general categories.

Payment History 

Of course, this is how well you are making payments. The information includes the number of times your accounts have been late.  It also shows the percent of accounts that are currently late.  Your overall balance in accounts is listed too. 


This refers to the how many times your accounts have been sent to collections.  In addition, you will see the number of liens and judgments you may have.  Any bankruptcies related to your business or personal accounts also show up here.

In addition, frequency has to do with your payment patterns. Were you regularly slow or late with payment? Did you start off paying bills late but get better over time? 


This focuses on how you use credit. Like, how much of your credit is currently in use? Do you have a high ratio of delinquent balances in relation to your credit limits?

If your business is not yet in operation or you do not have a long history of business transactions, how will they rate you?

This is where Experian uses a blended model. They consider your personal consumer credit score with your business’s credit score.

Other Business Credit Score Experian Reports

There are a number of other products as well.  These reports are designed to help you as the owner monitor your business credit. Prices can change without notice so check with Experian directly to ensure the most current pricing. 

Business Credit Advantage Plan

This one is currently $149 monthly.  It contains mobile-friendly alerts and tips for improving your score.

Profile Plus Report

This report is currently priced at $49.95.  It features financial payment data.  It also predicts payment behavior.

Credit Score Report

This report is the least comprehensive.  It’s currently priced at $39.95. Basically, it includes business and credit information.  Also, there is a summary of financial payment data.

Valuation Report

This report sells for $99 right now. It shows the value of your company. It also contains Key Performance Indicators. Additionally, it shows your business’s fair market value.

Corporate Profiles

Experian also furnishes premium corporate profiles at an additional cost. The enhanced profiles contain even more detail including: 

  • Sales figures 
  • size 
  • contact details 
  • products and operations 
  • credit summary 
  • any Uniform Commercial Code (UCC) filings 
  • fake business names 
  • payment and collections history 

These are above and beyond the information in the basic corporate profiles.  They also have data on credit inquiries made in the past nine months.  

Keep your business protected with our professional business credit monitoring

Business Credit Experian Credit Alerts

You can subscribe to business credit alerts through Experian’s Business Credit Advantage program. It serves as a self-monitoring service.  The program allows unlimited access to your business’s business credit report and score. You can make use of this tool for handling your business credit. Alerts are sent for:

  • Company address changes
  • Changes in your business credit score
  • Credit inquiries on your business profile
  • Newly-opened credit tradelines
  • Any USS filings
  • Collection filings and
  • Any public record filings, for example, liens, bankruptcies, and judgments

There are ways to monitor your Experian business credit score for a fraction of the cost.  Research is important.

How Do You Improve Your Business Credit Score with Experian?

Thankfully, there are a few things you can do to make your Experian business credit score better. If it isn’t great already that is.  It takes time, but it is possible.  

Make Consistent, On-Time Payments 

Paying your bills on time will help establish your small business as one that pays its debts. This will eventually help push your score up.  As a result, lenders will view your business as low risk.

Actually Use the Credit

You should definitely keep your debt low.  However, opening business credit accounts can help raise your credit score. Use all credit responsibly.

Maintain Healthy Personal Credit

At this point, you realize that your personal credit is not out of the picture. It can affect your Experian business credit score. You have to stay on top of your personal debt.  

Business Credit Score, Experian or Otherwise, Is Vital to Fundability

Your credit score from any of the business credit reporting agencies is important. You never know which one a lender may use. 

Yet, credit score isn’t the only piece that matters.  Business credit scores are just one part. Overall business fundability includes much more. Fundability as a whole is much more involved than just business credit. There is a bigger picture. 

The post When it Comes to Business Credit Score, Experian is Only One Option appeared first on Credit Suite.

Don’t Wait to Start Your Business, Get These Startup Business Loans and Other Funding Now

It can be incredibly difficult to fund a startup.  It costs a lot of money to start a business, and you have to find someone, a lender, an investor, anyone who believes in the endeavor as much as you do and is willing to take a chance. 

Some Types of Funding Work Better for Startups than Others

The fact is, traditional lenders, and even private lenders, do not always work that great for funding startups.  Most require at least one year, more often three years or more, of business tax returns for a business startup loan. So, where does one find funding for startups?  Here are some options that almost any startup can get. 

Startup Business Loans: Credit Line Hybrid

When it comes to funding for startups, the credit line hybrid typically offers the most money.  It allows you to fund your business with no collateral and typically very low interest rates.  No financials are required. Furthermore, it reports to the business CRAs. As a result, you build business credit. This will get you access to even more money without a personal guarantee.

You can usually get a loan of 5x the amount of your highest revolving credit limit account, up to $150,000. This is probably the highest amount of financing you’ll see for a startup from one source. It is easily more than what you could get on your own when applying for cards. You can get cash out on this program as well.

There is no impact on your personal credit with this type of financing. You need a 680+ credit score, or a credit partner with good credit to get an approval. 

startup business loans Credit Suite

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Startup Business Loans: Unsecured Credit Cards with Good Personal Credit

You can definitely get funding for startups from credit cards if you have good personal credit. Just be aware that since you are relying on the merits of your personal credit, these cards can affect your personal credit score. You may also need several of these cards, as personal cards tend to have lower limits and business expenses are often huge.  

Startup Business Loans: Unsecured Credit Cards with Good Business Credit

These are credit cards that you get in the name of your business. You use your business name, contact information, and EIN vs. your personal SSN.  They will report to the business CRAs. It’ll take 6 months to build a credit profile before you can apply for these types of cards. They do not use personal credit for pre-qualification. 

Startup Business Loans: Use a Guarantor

Here’s another option if you do not have or want to use assets as security for a loan. Ask a friend or family member who has these kinds of assets. They may let you leverage their asset in exchange for a percent of your business. They usually want less of a percent of your company than a venture capitalist would. 

Startup Business Loans: Collateral-Based Loans

If you are looking for a pure business startup loan, collateral-based loans are going to be your best bet. Use your assets as collateral. Rates are lower, and your personal credit doesn’t have as much of an impact. Here are a few options. 

Securities-Based Financing

You can also use your existing stocks as leverage to get business financing. Borrow as much as 90% of their value. You continue to earn interest on the stocks you pledged as collateral, and generally closing and funding happens pretty quickly.

401(k) Financing

Your existing 401(k) or IRA can help fund your business as well. The funds work as collateral for business financing. This program uses IRS proven strategies. You will pay no tax penalties, and you still earn interest on your 401(k). Rates are low, and this option usually has a quick closing and funding process as well. 

Accounts Receivable Financing

Additionally, you can use your outstanding account receivables to get startup business loans. Get as much as 80% of receivables advanced in less than 24 hours. You get the rest of the accounts receivable amount once the invoice is paid in full. Closing takes 2 weeks or less. 

Receivables should be with the government or another business. Getting financing with receivables from individuals is not as easy. If you also have purchase orders, then you can get financing to have those filled. You won’t need to use your cash flow to do so.

Inventory Financing

Consider using your existing inventory as collateral for business financing also. You’ll need inventory valued at $500,000 or more. Often, you can get approval for a line of credit for 50% of inventory value.

Inventory loans are another option. The minimum inventory loan amount is $150,000. The general loan to value is 50%. So, inventory value would have to be $300,000 or more. It’s important to note, it can’t be lumped together inventory, like office equipment.

startup business loans Credit Suite

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Startup Business Loans: Equipment Financing

Get financing to buy or lease new equipment. Use your first and last month’s payments to be approved. Rates vary widely based on risk factors, but usually you can get approval with a credit score of 650 or better.

The lender will undervalue equipment by perhaps up to 50%. This is on major equipment only. Lenders won’t combine a lot of small equipment. You can get loans up to $2 million.

Equipment Sale – Leaseback

If you already own your equipment free and clear, you can use it as collateral for financing. The process involves selling the equipment to a lender for cash. You then lease it back from them. You need at least one larger piece of higher value equipment to qualify, and you can get funding in as little as 3 weeks.

Other collateral can also be used. Investors looking to buy and flip properties can get financing. They must also have cash, experience, and average credit or better. You can get financing against commercial real estate, and insurance agents can get book of business financing.

Book of Business Financing

A book of business is a list of accounts or clients. Finance and legal professionals often use this term, as do insurance agents. In an ideal situation, an insurance agent is continually adding to his or her book of business.

You can have an insurance book of business valued by a professional company. There are many companies which only conduct business valuations. These valuations help determine an appropriate sale price for a particular asset or organization. In the insurance industry, the average sale price for a book of business is often between two and four times that of the annual earnings.

startup business loans Credit Suite

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

You Don’t Have to Wait to Fund Your Business

Funding a startup is hard, there is no doubt about it. Startup business loans are not easy to come by either. However, there are options. You just have to find the one, or combination, that works best for  you and your business.  

This depends on a number of things, including which phase of start up you are in, your current credit situation, and how much funding you need.  It can take time, but these options should give you a good start. 

The post Don’t Wait to Start Your Business, Get These Startup Business Loans and Other Funding Now appeared first on Credit Suite.

Best WordPress Calendar Plugin

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A calendar plugin for your WordPress site is a great way to ensure everyone is on the same page. If your business revolves around events, monthly announcements, or appointments, then you’ll want to manage it all with an easy calendar layout. 

You’ll be well on your way to being more organized, productive, and transparent with your customers once you find a calendar plugin that works well with your current workflow.

There are tons of calendar plugins out there, making it hard to know where to begin when picking the best one. Well, you’re in luck. Below I discuss some of the very best WordPress calendars you can start using today as well as how much it’ll cost you to use each one. Let’s dive in. 

#1 – Timetable Responsive Schedule — The Best For Displaying Daily And Weekly Time Schedules

With Timetable, you can display an array of event calendars, schedules, and availability information all in one easy to use plugin. The name pretty much gives away what they’re best at, which is ensuring that your customers know your schedule down to the hour. 

With it, you can generate PDFs you or your customers can print for convenience. The events widget lets your customers know when, where, how, and what time your next event will be held.

Thankfully, Timetable doesn’t confine you to creating time blocked schedules and events. It also offers booking functionality. So you can book and fill your events accordingly.

Once you’ve downloaded the plugin, you can add a new event to your calendar, name it, adjust its settings, event hours, and event frequency, set dates, and publish. Once you’ve published it, copy the autogenerated shortcode and paste it anywhere you want to display it on your site. 

The best features of Timetable include:

  • Free lifetime updates so that your plugin will always be up to date and compatible with the latest WordPress updates
  • Fully responsive
  • Custom CSS option to modify it to match your brand look
  • Shortcode generator for display on any site page or blog post
  • Event filtering to easily search for specific event listings
  • Lots of customizable color options for events, days, event text, and more

Timetable Responsive Schedule is $29 for a regular license, which comes with future updates and six months of support. Get started with Timetable here. 

#2 – The Events Calendar — The Best For Multiple Calendar Views

The Events Calendar will fit like a glove if you want access to multiple calendar views with plenty of powerful events and scheduling features that keep your community and customers engaged. 

Once you download The Events Calendar plugin and add all your event information, you can view your calendar in several different views, including monthly, daily, weekly, and more. 

Here’s a quick rundown of how you can view it:

  • Month View: Classic calendar view where you can see all events at a glance for the entire month
  • List View: Have your audience or prospective customers view your events in a chronological list that can be filtered by month
  • Day View: Have events happening on the same day? You can configure your calendar to display day views so you can easily see which events are happening at what time on the same day without any confusion.
  • Week View: See upcoming events for a week at a glance.
  • Photo View: Create a grid of chronological events displayed primarily as images. 
  • Map View: If your events are location-dependent, a map view can be a helpful visual aid.

A wide array of calendar views is only one standout feature of The Events Calendar plugin. Some of the top features of Events Calendar are:

  • Easily manage in-person and virtual events
  • Export and import other calendar events with a built-in CSV importer
  • Mindful of time zones, so all your customers are on the same page no matter where in the world they are 
  • Plenty of event category and tagging functionality
  • Build community with an event calendar designed to bring groups and organizations together
  • Multiple calendar views for accessibility and ease of use
  • The ability to highlight specific events to draw more attention to them
  • Easy set-and-forget recurring events once you define event parameters
  • Shortcode feature to embed and display any calendar, schedule, or event on any page or blog post
  • Compatible with Google Maps and Google Calendar

The base calendar plugin is entirely free forever and comes with the month, list, and day views, has categories and tags, and is fully responsive. The Pro version with additional features, support, calendar views, recurring events, and advanced fields is $99 for one site, $149 for three websites, and starts at $299 for 10 or more sites.

Start using The Events Calendar today for a more engaged audience. 

#3 – Simple Calendar — The Best For Use With Google Calendar

The perfect marriage between WordPress and Google Calendar is the Simple Calendar plugin. It’s no wonder it has been downloaded over one million times. 

You can easily display your events, schedules, bookings, and availability with their straightforward calendar. As you might have guessed, there’s a reason why “simple” is in the name. Because it truly strives to be exactly that.

Simple Calendar lets you show monthly, weekly, or list views with the most important updates you can manage through Google Calendar. It also offers a widget view if you want to display your calendar in your site’s footer or sidebar. 

If someone comes across your event and wants to add it to their own Google Calendar, Simple Calendar lets them do that with an “Add to GCal” link option. Because of Simple Calendar’s convenience and compatibility with Google Calendar, I recommend it as the best calendar plugin if you’re already using Google Calendar to manage your events. If you’re unsure about the plugin, you can always try their instant demo. 

Some features of Simple Calendars include:

  • Fully mobile responsive
  • Color-code events to your taste
  • Manage events on Google Calendar and have them automatically displayed on your WordPress site
  • Integrates with Events Calendar Newsletter for sending event reminders

The pricing is straightforward and breaks down like this:

  • Personal — $49 for up to 1 site
  • Business — $79 for up to 5 sites
  • Agency — $149 for up to 25 sites

All plans come with one year of support and updates. Download and start using Simple Calendar today. 

#4 – Events Schedule — The Best For Versatile Calendar Styles

Events Schedule is a solid WordPress calendar plugin in terms of versatility. They offer 12 customizable schedule styles, each with different features.

With list views, monthly views, and weekly views, you can ensure your audience has plenty of access and time to plan for future events. The advanced event filters also let your audience easily find the events they’re looking for without confusion or hassle. 

Because of Events Schedule’s versatility and wide array of calendar types, it’s easily usable in just about any industry. You can use it to schedule fitness classes and events, publish theatre schedules, Museum timetables, arena events, or bar events, just to name a few. 

Top features of Events Schedule:

  • Compatible with WooCommerce
  • Includes a booking system
  • Able to integrate with Google Maps
  • Easily schedule repetitive events
  • Countdown timer feature included
  • Intuitive visual schedule builder
  • SEO friendly code and display options optimized for speed
  • Shortcode generator option for simple plug and play
  • Custom call-to-action buttons feature

If you want to try Events Schedule before clicking the buy button, I recommend you take your time to look through their live demo, where you’ll get to see the look of each schedule, what industry it’s best for, and how to put it together and publish it on your WordPress site. 

If you pair this plugin’s price point with the number of calendar options it offers, it makes for an impressive package worth diving into if you want to go beyond the basics of what a calendar plugin can do. A regular license costs $39 and includes six months of support and future updates.

#5 – EventON — The Best For Colorful And Dynamic Event Calendars

EventON is a powerful calendar plugin that stands out with dynamic and colorful calendar displays you can customize to your liking. As soon as you set eyes on any calendar created with the EventON plugin, it’s sure to be absolutely eye-catching.

With EventON, you can create colorful calendar bubbles that, when clicked, open up to display a calendar card with every event detail they need to know. 

Event bubbles aren’t the only view available to you once you download their plugin. You can create tile calendar views with bigger calendar “tiles” that display each of your events with readily available details. Don’t worry, once you set up your calendar tiles, they’re designed to be fully responsive, so they’ll look good on any screen.

You can also display calendar events in a list view with thumbnails and add any number of event colors for each tile. Like other robust plugins, EventON isn’t a one-trick pony. There are plenty of useful features it offers to users, especially if you host lots of live events. Read on below to learn more about some of their very best features. 

Some of the best features of EventOn are: 

  • Generates shortcodes you can quickly grab and plug in with Gutenberg
  • Great for hosting virtual live events
  • Developer friendly for advanced feature altering capabilities
  • Expandable calendar details for each event 
  • Add unlimited images to each event to better inform your audience
  • Has “add to Google Calendar” options for increased engagement
  • Easily filter and sort events with a few clicks
  • Add custom repeat events so you can set it and forget it
  • Easily change custom time formats to display according to your preferences

EventON costs $25 for a regular license, which includes future updates and six months of support. You can also get support extended to 12 months for an additional $7.50. Get started using EventOn’s colorful calendar features here. 

What I Looked At To Find The Best WordPress Calendar Plugins

There are tons of calendar plugins available. But not all of them offer the same features, as some cater to different user needs better than others. Here are a few things I considered when researching the best WordPress calendar plugins and factors you should consider when deciding which is best for your business. 

Visual Layout

To cover the basics, a solid WordPress calendar plugin is mobile responsive. It’ll always adjust to any screen it’s viewed on, no matter the size. They’re also easy on the eyes and accessible. 

The last thing you want to do is use a calendar plugin that looks outdated, has limited functionality, or doesn’t play well with your website’s other plugins. The more you can create a visually appealing calendar easy for anyone to use, the more you’ll get out of it when using it as a business management tool.

Booking and Appointment Options

Some calendars are designed to be very simple so that you can display important dates and events. Others are created with bookings and appointments in mind.

This means you won’t only be able to display availability but that your customers can book appointments right on your calendar at any time. If you run a service-based business, this can be a great option to look into when choosing the right calendar plugin. 


You want to find a plugin that falls in the sweet spot between simplicity and advanced features depending on your business needs. You don’t want to spend the money to buy a robust plugin with lots of heavier features if you won’t even use a third of them.

On the other hand, you don’t want to use a plugin that limits your capabilities when it comes to booking appointments, displaying dates, automating and marking holidays off, or even providing a useful legend.


A WordPress calendar plugin can prove useful in keeping your business productive, staying organized, and keeping your customers happy and informed. 

Here’s a recap of the plugins I reviewed in this guide to help you make the best choice:

Use this guide to choose the best WordPress calendar plugin according to your needs. Then come back and leave a comment below with any feedback on your favorite calendar features. 

The post Best WordPress Calendar Plugin appeared first on Neil Patel.

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