Thursday, February 4th, 2021
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Griezmann, Alba, De Jong all 9/10 in epic comeback win

Antoine Griezmann, Jordi Alba and Frenkie de Jong sparked an improbable Barcelona comeback.
The post Griezmann, Alba, De Jong all 9/10 in epic comeback win appeared first on Buy It At A Bargain – Deals And Reviews.
Find Business Cards for Bad Credit Now

If you have bad credit and are trying to run a business, you may be starting to feel the walls closing in. That’s because it can be hard to find business funding with bad credit. For sure it’s not easy to get a loan. It can even be difficult to access business cards for bad credit. Is it even possible to find business cards for bad credit?
And Find Out What To Do When Business Cards for Bad Credit Aren’t Enough
It is possible to get business cards for bad credit. The problem is, there are not a lot of them out there. Not only that, but those that are available don’t have the best rates or terms, and credit limits may be quite low. The result is, you could end up in worse shape than you are now. The question then becomes, how do you meet your business goals with bad credit, period. Forget about finding business cards for bad credit, how do you fund your business at all if your credit is bad?
It Is Possible, but You Need Expert Help
Here’s the thing. Before you can find business cards for bad credit or any other funding, you need to understand your goals, what funding is available to help you meet those goals currently, and how to improve credit so that more options are available.
Most options you can access yourself, but in the time it takes to do so your business could implode. It is far more effective and efficient to seek the help of a business credit expert who can help you navigate the business credit landscape. But, first thing’s first. If you are looking for business credit cards that you can get with bad credit, here you go.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
Brex Card for Startups
The Brex card for startups is one of the few true options if you are looking for business cards for bad credit. Even a FICO as low as 300 may qualify. There is no annual fee, and you can apply with your EIN rather than your SSN. There is no personal guarantee requirement.
The only catch is, not all industries qualify, and some industries require more paperwork than others.
Wondering how they are able to verify creditworthiness if a business has bad credit? They look at the business’s cash balance, spending patterns, and investors.
Not only can you get this card with bad credit, but they even offer rewards. For example you can get 7x points on rideshare and 4x on travel. Likewise, get triple points on restaurants and double points on recurring software costs. Get 1x points on everything else.
Capital One Spark Classic for Business
If you have fair credit, you may be able to get the Capital One® Spark® Classic for Business. It also has no annual fee, but there is no introductory APR deal. The regular APR is a variable 26.99%. In addition, you can earn unlimited 1% cash back on every purchase for your company, with no minimum to redeem.
While this card is available if you have fair credit scores, beware of the APR. If you can’t pay on time and in full, skip it.
You See The Problem?
You see the problem here. This is only 2 cards. There may be more out there, but they are few and far between. It is virtually impossible to access all the funding you need to meet business goals with just 2 credit cards. You need to know your other options for funding your business if you have bad credit, and how to improve credit so you can access more options.
Even better would be to access more options and build your business credit at the same time. That is exactly what a business credit expert can help you do.
Why Can’t I Do it Myself?
It’s true, you can apply for a business credit card with bad credit on your own. As a business owner, you are perfectly capable of filling out a credit card application. However, with a business credit expert, you can supply your information one time and let them find options for you that you didn’t even know were in existence.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
This will include not only credit cards, but other options as well. With just a little information on your business and assets, a consultation with a business credit expert could get you on track to not only funding your goals, but building credit and fundability so that you can get even more money for your business.
Of course, it’s possible you can find these options for yourself as well. However, the time it takes to figure out which one you qualify to get, whether they are right for your business, and whether they will actually help you meet your goals, is substantial. In that time, a lot of money can be lost from your business. In fact, you could lose the business itself.
What Are These Other Options?
So, say you employ the help of an expert. What can they actually help you with. Well, first, they will help figure out what options you have right now, even with bad credit. The main goal is to help you meet your business goals and build your credit at the same time. One of the fastest, easiest, and most effective ways to do this is the credit line hybrid.
Credit Line Hybrid
A credit line hybrid is unsecured business financing. It allows you to fund your business without putting up collateral, and you only pay back what you use.
It is not as hard to qualify as you may think. You do need good personal credit. That is, your personal credit score should be at least 680. In addition, you can’t have any liens, judgments, bankruptcies or late payments. Furthermore, in the past 6 months you should have less than 4 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards. It’s also preferred that you have established business credit as well as personal credit.
How does this relate to getting business funding with bad credit? Here’s the secret. If you do not meet all of the requirements, you can take on a credit partner that meets each of these requirements. Many business owners work with a friend or relative to fund their business. If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding.
The best part of this type of funding is that it reports to your business credit report, regardless of whether you use your personal credit to apply or that of a credit partner. That means, you get your funding and build your business credit at the same time.
If this still isn’t enough funding, there may be even more options for accessing funding funds with bad credit, depending on your specific business.
Account Receivable Financing
To get this type of funding, you have to have open receivables from another business or government agency, not individuals. In addition, you need to have been in business for at least one year. The minimum credit score is just 500.
You can get up to 80% of receivables advanced in as little as 24 hours.
Merchant Cash Advance
If you accept credit cards as payment, you may qualify for a merchant cash advance. You only need a credit score of at least 500. To qualify, your business must bring in $100,000 or more per year in credit card sales. Typical approval amounts equal one months’ credit processing volume. In addition to the application, you’ll need 3-6 months bank and merchant statements.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
Business Revenue Lending
Another option is business revenue lending. Again, the minimum credit score is 500. Your business must earn annual revenue of $120,000 or more, and it must do more than 5 small transactions each month. If your business brings in at least $15,000 monthly, then 6 months in business is acceptable. You will have to fill out an application and provide 6 months worth of bank statements.
Don’t Let Your Bad Credit Hold Back your Business
You can find business cards for bad credit. It is possible. Not only that, there are other options for business funding with bad credit. Bad credit doesn’t have to stop you, but you shouldn’t let it ride either. You need to work to improve it. It will help you improve your business in the future.
A business credit expert can help you not only find business cards for bad credit, but they can help you find and get approved for these other options as well. At the same time, they can work with you to build your business’s fundability and business credit, so that you can run and grow your business like you want.
The post Find Business Cards for Bad Credit Now appeared first on Credit Suite.
5 Free Music For Commercial Use Resources

Music can be a game-changer for creating online visual content for your brand. But where can you find music available for commercial use?
More specifically, where can you get it for free?
Before we dive into the resources available, let’s talk about commercial use.
When you’re wondering whether something counts as commercial use, think about whether you’re using it for your business. If what you’re creating is for your brand in any way, then it’s probably for commercial use.
For use directly connected to making a profit, it’s almost definitely commercial.
If you’re getting the word out or are marketing your business without directly making money on the content, it’s still best to err on the side of caution and treat it as commercial.
Using someone’s music or art without express permission can result in a cease and desist—or worse.
Free Music for Commercial Use Resources
Free music for commercial use does exist—even on reputable websites. Whether you’re looking for instrumental pieces to play in the background of your next explainer video or you need some hot sounds for your social media campaigns, there are lots of great resources to choose from.
How Can I Use Free Music for Commercial Use?
Music can be a great addition to online marketing efforts—but how you can use the music depends on the owner of the tunes. We will talk about the variances below, but be sure to do your research on the site you are interested in downloading music from to be sure you’re within their parameters in your use.
Just because music is free doesn’t mean there won’t be attribution requirements. Think of attribution as your nod to this music’s creators or distributors. Check carefully to see how each site requires credit for the song— this is often with a link in your video description or caption.
In addition, free does not necessarily mean unlimited use. For instance, some places may allow for remixing or adding lyrics, while others may not. Check the licensing agreements on each website.
Is There Really “Free” Music for Commercial Use Available?
Sometimes free music for commercial use is entirely free. Other times, you need to pay a subscription fee to access some or all of the content.
The subscription often opens more opportunities for use or may give you a more extensive library to choose from.
Others have genuinely free music, but usage may still be limited–so be sure to look at the fine print.
Royalty-Free Vs. Free Music for Commercial Use
As you’re looking for free music for commercial use, remember “free” isn’t the same as “royalty-free.”
Royalty-free means you aren’t obligated to pay a royalty fee to the music’s creators. But, use is still restricted to certain formats, amounts of usage, etc.
Bensound
Billed as royalty-free music, the songs on Bensound are free to download—with a few stipulations.
If you want to go with the free option, click the black download button on the music you choose. When the window pops up giving you a choice between free and subscription, click the button again. This downloads an Mp3 file.
You can use the file in various audio and video projects, with licensing stipulations outlined on the Bensound website. For instance, you can use them in your videos with a link giving the Bensound website credit. However, you can’t use the music in podcasts or audiobooks, register it as your own, or remix the music.
You can browse by genre, with tons of options to choose from. Or, you can search by keyword. When you find a song that interests you, click to find out more. This will take you to a page with information about the composer, a description, keywords, and more.
Bensound offers both free and paid subscription options. Free downloads are limited to a smaller library of music than subscriptions.
The standard subscription allows for limited usage, including online videos or music in your bar or restaurant.
Meanwhile, the extended subscription allows broader use, such as for movies, stage productions, and local tv and radio advertising. National tv and radio advertising usage comes with an additional fee.
Bensound has specific rules for how the music can and can’t be used. They don’t allow you to remix or add lyrics to any music you use, whether you download them for free or with a subscription.
In addition, you can’t use them for international tv or radio advertising, in podcasts or audiobooks, in meditation projects, or resell them as music-only projects.
Audionautix
Audionautix is a passion project by founder Jason Shaw. He wanted to provide a way for people to grab great music for their projects—even commercial ones—without getting caught up in copyright issues. The website primarily hosts music created by Jason himself, full of music from a range of genres.
You can search by features like mood, genre, tempo, style, and more.
When you find something that interests you, click “Listen Now” to hear it. If you want to hear more like it, you can click on relevant tags to check out other similar songs.
When you’re ready to download, click the “Download Mp3” button.
While the music is free to download, including for commercial use, attribution is required.
Free Music Archive
Free Music Archive was put together by WMFU, a radio station in New York and New Jersey, to provide original music to creators on the internet. Its creation stems from the belief that copyright laws can be outdated, stymying digital creativity.
They believe providing a place for music creators to share their music with creative commons licensing helps musicians be heard by a wider audience while also assisting other creatives in enhancing their work.
Like other free music for commercial use websites, you can browse by various genres. You can also click individual artists’ links to see more from them or scroll to the bottom to the “List of Artists” link to see all available creators.
To hear a song or piece, click the play button. To download a recording, click the download icon (an arrow button pointing downward). When you click that button, a small pop-up window will appear with information about the song as well as licensing information.
The website uses creative commons licensing definitions, so be sure to check out the icons in the pop-up for information about how you’re allowed to use the music.

The one thing you’ll want to look for is this dollar sign with a line through it. This means you can’t use this free music for commercial use.
If you don’t see that icon, you’re clear to use it for commercial purposes. You can click for more information about each creative commons use.
MusOpen
If you’re looking for free music for commercial use that’s in the public domain, give MusOpen a try. MusOpen is a non-profit group focused on music education and getting more music into the hands, or rather the ears, of the public.
By focusing on music in the public domain, they provide access to pieces with expired copyrights, making these songs available for redistribution or reuse, including commercial use.
You can browse for songs based on unique categories like romantic, happy, sad, relaxing, energetic, or fun. You can also search by composer, instrument, or time period.
As you browse, you can listen to each piece and see licensing information next to each one. Look for the ones without the dollar symbol with the line through it—that symbol denotes it’s not for commercial use. The ones without this symbol can be used for commercial purposes with proper attribution.

To start downloading songs, you need to create an account.
DL Sounds
DL Sounds is based in the Netherlands and run by a group that produces original music for creators worldwide to use in their multimedia projects. Because their music is made by them and isn’t available anywhere else, they can provide fresh music for digital projects.
In addition to songs, they have sound effects and loops, which are short, repeating sections.
You can search in the search bar or go to the music tab to explore all the songs, browsing by genre, mood, file type, or even beats per minute.
Most of the music on DL Sounds is only available via subscription. They offer a one- or three-month subscription with unlimited downloads.
However, they also provide some free music for commercial use as well. Look for the “free” icon on the bottom right of a song’s visual, shown below:

Conclusion
Once you find free music for commercial use, your creative ideas could indeed become a reality. Your ideas are only limited by each website’s licensing agreements and attribution requirements.
Using the resources above, you could find inspiration in the original tracks, public domain choices, and more as you start thinking about the videos and other marketing projects you want to create. From how-to videos to quick social media posts, your marketing efforts can be enhanced by all this music.
Which piece of free music is inspiring you to create something new?
The post 5 Free Music For Commercial Use Resources appeared first on Neil Patel.
Circle Medical (YC S15) Is Hiring Fullstack Engineers in Montreal
Article URL: https://www.workatastartup.com/jobs/41910 Comments URL: https://news.ycombinator.com/item?id=26006576 Points: 1 # Comments: 0
The post Circle Medical (YC S15) Is Hiring Fullstack Engineers in Montreal first appeared on Online Web Store Site.
The post Circle Medical (YC S15) Is Hiring Fullstack Engineers in Montreal appeared first on ROI Credit Builders.