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

Abnormal Security | Senior/Staff Infra Engineers, Product Engineers, ML Engineers, Engineering Management roles, and more! | SF, NY, Singapore, REMOTE | Full-time

Abnormal Security is an email security startup startup funded by Greylock and Menlo Ventures. We use Machine Learning (ML) to catch advanced social engineering attacks that no one else can. We are looking to grow very rapidly in the next 6-12 months, and are hiring across most roles (remote first). Would love to tell you more

Interested in learning more?

[email protected] <- I'd love to chat

https://abnormalsecurity.com/careers/ <- check out our careers page for job openings

To read more about what we’ve done so far:

– Series B: https://www.forbes.com/sites/kenrickcai/2020/11/18/abnormal-…

– Engineering Blog: https://medium.com/abnormal-security-engineering-blog/scalin…

– Our Q1 Threat Research Report: https://abnormalsecurity.com/blog/an-inside-look-at-the-risi…

The post New comment by dfangshuo in "Ask HN: Who is hiring? (February 2021)" appeared first on ROI Credit Builders.

What Are Remarketing Lists for Search Ads (RLSA)?

Have you ever had a customer visit your website repeatedly but never land the sale?

Do you sit up at night wondering where those leads go and how you could win them back?

Google’s remarketing lists for search ads (RLSAs) may be just what you’re looking for.

These engagement-driven remarketing ads allow you to target your ads to your highest-value prospects. That means you can show your ads directly to the customers who are most likely to do business with you.

What’s more, you can bid on keywords you don’t generally bid for to attract customers who have been on your website recently.

This opens your business up to a broader market of interested buyers you previously couldn’t connect with.

Let’s talk about how to get this done.

What Are Remarketing Lists For Search Ads?

RLSAs are a Google Ads feature allowing you to customize your search campaigns based on users who have previously visited your website.

For example, you can increase your ad bids for users who have visited your site in the last month. Or, you could bid on new keywords targeting users who converted in the past and recently revisited your website.

With remarketing lists for reach ads, you can set your bids, create ads, and tailor keywords based on what you know about your audience.

There are some restrictions to consider before creating your remarketing lists for search ads, though:

  • RLSAs are available when users search through Google or Google partner sites.
  • Your list needs a minimum of 1,000 cookies before you can use this feature.
  • The membership limit for these lists is capped at 540 days.

Benefits of Using RLSAs

Google estimates only 2% to 4% of website visits result in purchases.

That means keeping your brand in customers’ minds after they leave your site is vital.

With remarketing lists for search ads, you have the opportunity to segment your audiences into lists based on their performance. This can help you better connect with potential customers who have already shown interest, which may lead to increased sales and improved ROI.

What’s more, customized content increases customer engagement. A survey by Adobe Spark found 67% of respondents expect customized content from brands.

From that pool, 47% said they are annoyed when a brand does not customize its content based on their needs, and 66% said they wouldn’t make a purchase because of this.

Remarketing lists for search ads offer personalization, engagement, and win-back potential, all within the tools you’re already using.

How Do You Make RLSA Campaigns?

To begin, you’ll need to tag your site for remarketing.

Use a Google Ads tag to set up your website or app audience source. This block of code will add each of your visitors to a remarketing list, which you can use later for targeting ads.

Once you tag your site, you’ll see a couple of automatically created remarketing lists. You can use these or make your own based on your needs.

You’ll also need to set up your initial campaign.

From there, you can begin setting up your remarketing lists for search ad campaigns.

RLSAs can be created in two ways:

  1. for bidding and targeting to ad groups
  2. for bidding and targeting to campaigns

You can’t apply remarketing lists to both levels for the same campaign simultaneously.

If you’ve already applied your remarketing lists to your ad groups but now want to use them for a campaign, remove them from the ad group and apply them to your larger campaign.

To apply remarketing lists to a Search ad or campaign, follow these steps.

  1. Create a new Search campaign or ad group, or select one you’ve already created.
  2. Click “Audiences” on the left side of your page.
  3. Add an audience list by clicking the pencil icon.
  4. Use the “Add to” section and select a “Campaign” or “Ad Group” depending on where you want to apply your list.
  5. Click “Select a campaign” or “Select an ad group,” then choose the option you want to target.
  6. Choose “Website visitors” in the “How they interacted with your business” drop-down menu.
  7. Check the box for each remarketing list you want to add.
  8. Click “Save.”

Next, you’ll need to confirm your targeting settings.

There are currently two targeting settings to choose from.

  1. Observation: observe the performance of your lists and doesn’t restrict the reach of your campaign or group.
  2. Targeting: only shows ads to members of your remarketing lists but restricts your reach.

Six Tips for Using Remarketing Lists for Search Ads

Now that you’ve got your remarketing lists for search ads set up, you need to start optimizing.

Creating strong RLSAs means tapping into your SEO basics and continuously improving your process.

When you do this effectively, you’ll be more likely to engage with interested users on an ongoing basis, opening up your business for more qualified conversions.

Segment Your Audiences

As you begin setting up remarketing lists for search ads, you will find consistencies between your website visitors’ behaviors.

Use this data to create detailed, segmented lists to categorize your customers and send them the right ads.

Here are some examples of segments you can create:

  • cart abandoners
  • past customers
  • product page visitors
  • all site visitors
  • contact page visitors
  • visited multiple times

The more detailed you are when segmenting your audiences, the easier it will be to push personalized ads that could end in conversions.

Tailor Your Copy For Returning Customers

According to Segment, 71% of consumers feel frustrated when their shopping experience isn’t personal. Similarly, Instapage found 74% of consumers feel frustrated when a website isn’t personalized.

To meet the needs of your consumers, you need to prioritize personalization.

The benefit of remarketing lists is you’ve already gathered a breadth of information on your targeted users. This means when you send out your ads, you can tailor your copy to meet their specific needs.

For example, a returning customer could be pushed ads based on products they have already shown interest in.

A user who has visited your site but never made a purchase may be incentivized to buy with a discount.

Tailoring your copy and offers could help you create better audience relationships and provide an opportunity for increased conversions.

Understanding your customer needs is at the core of a robust digital marketing strategy.

If you want to know more about tailoring your content or audience targeting, reach out to one of our consultants.

Use Demographic Targeting

The more granular you get with your targeting, the better.

Demographic targeting lets you pinpoint users based on age, location, gender, parental status, or household income. The more you know about your audience, the better you can tailor your content for conversions.

This type of targeting in remarketing lists for search ads can also help you create stronger audience personas for people who are already in your sales funnel.

For example, if you see your frequent users all come from one income bracket or fall in a specific age range, you can use this to personalize your ads further.

This process also allows you to customize your bids and place higher or lower bids for specific demographic groups.

Monitor and Grow Your Audience Size

Choosing the “Open” function when creating your remarketing lists for search ads allows your list to continue growing through Google Ads features.

An open list continues to add qualified leads and push relevant content to those users. In contrast, a closed list doesn’t grow but instead continuously pushes ads to users you manually added.

The benefit of an open list is it allows you to utilize Google’s AI capability to grow your audience automatically.

The downside is it won’t always be accurate. You still need to check up on your open lists to ensure you’re sending the right messages to the right people.

If you choose to grow your audience sizes manually, you’ll have the ability to double-check each content type before it goes out.

Whichever tactic you choose, it’s essential to monitor your campaigns to ensure engagement is kept high.

Research Your Keywords

It’s important to analyze each keyword that led a user to your site to properly understand what they’re looking for and how you can give it to them.

For example, a customer already familiar with your site may have searched for you by name. In this case, you can assume they have some insight into your business and skip the generic welcome campaign.

But, if a customer found your site by searching for a related product, you may want to highlight your best products or services to swing them over to your brand.

Diving into this process will also give you data on which keywords are working and which are not.

Having this information available to you will help you optimize your ranking systems across your business.

As always, in-depth keyword research is your golden ticket to improving SEO. Ubersuggest is a great tool that can guide you through this process.

Make Bid Adjustments Where Needed

Although most marketers have been taught to avoid broad bidding, RLSAs already target your more qualified users. So, be willing to bid on broad keywords targeting your most qualified visitors.

If you want to tinker with some broad keyword targeting, set up different campaigns or ad groups for the ones you want to try. This will allow you to test their weight and see if they improve your conversion rates.

As always, make bid adjustments where needed.

You may find your mobile customers are your most frequent browsers, so it would make sense to increase your bids there.

Likewise, if you want to target recent website visitors, you can increase your bids for anyone who has viewed your site in the last 30 days.

Conclusion

Remarketing lists for search ads are an effective way to target your most qualified leads and deliver timely, personalized, and relevant content that may help them convert faster.

The data you gather from your remarketing lists is incredibly powerful when segmenting your audiences and creating future personas.

In addition, remarketing lists can be used for a variety of ad groups and future campaigns.

The best marketing strategy combines the best tools with the best practices, so don’t take the backseat with these exciting features.

What other remarketing lists for search ads tactics have you found success with?

The post What Are Remarketing Lists for Search Ads (RLSA)? appeared first on Neil Patel.

Alternatives to Business Credit Cards for Poor Credit

Business credit cards for poor credit are hard to find. They exist, but there are not many of them. If you have bad credit, you need to fix it. Still, that doesn’t change the fact that you need funding options in the meantime. 

Options for Funding Other Than Business Credit Cards for Poor Credit

What are your options for funding your business other than business credit cards for poor credit? There are a few. The best thing to do is choose those that will help you build business credit, so that your bad credit no longer dictates which funding options you choose. Rather, the door will be wide open and you will be able to choose the options with the best rates and terms regardless of credit requirements. 

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

Let’s start with a couple of actual business cards for bad credit. 

Brex Card for Startups

The Brex card for startups is one of the few true options if you are looking for business credit cards for poor 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. 

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

You Need More

So, business credit cards for poor credit do exist.  They just aren’t enough. It would be highly unlikely that you would be able to reach your business goals using solely the funding offered through one or two cards. 

They are still a good option, because they offer some funding and can help you build your credit.  But, you need more. Here are some other funding options that you can use as alternatives to business credit cards for poor credit, or in addition to them. 

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. 

Equipment Financing

If you need equipment, it might be better to consider equipment financing.  You will put up your existing equipment or the new equipment you want to purchase as collateral.  Amounts are available up to $10 million with terms ranging up to 60 months. You will  need a credit score of at least 550. 

Why would you choose this over a 0 interest business credit card if you could pay it off during the 0 interest period?  Well, the short answer is, you wouldn’t.  That is, unless you cannot get a high enough credit limit to cover the cost of the equipment. However, if you need longer than a year to pay it out, you may very well end up with a better rate going this route. 

Real Estate Financing

Likewise, you probably will not be financing real estate with business credit cards, even if it is 0 interest. You can get real estate financing in amounts up to $10 million with terms from 6 to 60 months and interest rates as low as 6%.  You will need a 500 minimum credit score, and there are a few other requirements. 

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. 

An Expert Can Helpbusiness cards with poor credit Credit Suite

Of course you could seek out each of these options and apply yourself. However, you are going to have an issue in that it takes time to research lenders, find the ones that offer funding that you qualify to get, and avoid scammers.  Not to mention, it doesn’t really do any good if you can’t find lenders that help you build credit for your business as well.  

Also, getting approval for business credit cards is a little different than getting approval for personal credit cards.  You need to have your business set up properly, and it has to be fundable.  An expert can help walk you through this. 

Working with a business credit expert offers a number of benefits.  Not only will a reputable expert already work with reputable lenders, but they will know more quickly which ones will work best specifically for your business. This will save you time and money in the long run. They will be able to guide you to the options that will be most effective for your needs, help you build credit, and offer the best rates and terms. 

If you do all of this yourself, not only do you risk making poor decisions due to simple lack of knowledge, but you could waste valuable time in which your business will still need funding. 

Business Credit Cards for Poor Credit are Out There, But They Aren’t Your Only Option

Many business owners operate under the assumption that if they do not have good credit, their only funding option is credit cards.  Bad credit takes most loans off the table, and without that, many only know about credit cards. 

While business credit cards for poor credit can be a tool to help fund your business, they are far from your only option, even if you have bad credit.  There are alternatives that you can use in place of or in conjunction with credit cards to meet your business goals.  A business credit expert can help you find the options that will work most effectively and efficiently for your business needs. 

The post Alternatives to Business Credit Cards for Poor Credit appeared first on Credit Suite.

How Do Merchant Cash Advances Work?

Your Question: How Do Merchant Cash Advances Work?

Got budget gaps in your business? If there’s anything that 2020 has taught us, it’s that what we think is a sure thing, just might not be. That includes the cash flow of a business.

Budget and funding gaps are large for newer businesses. If you don’t have a lot of clients, you might offer them better terms to attract their business. Sweetening the pot can help overcome a client’s initial skepticism. So just like a starter vendor, you might be offering Net 30 terms.

Offering Net 30 or Net 60 or even Net 90 terms is a great strategy to develop business relationships. But you end up with a lot of time between providing your good or service and getting payment for them. But in the meantime, your business’s bills have to be paid, and you have to make payroll no matter what.

So How Do Merchant Cash Advances Work? 

An MCA technically isn’t a loan. Rather, it is a cash advance based upon the credit card sales of a business. A small business can apply for an MCA and have an advance deposited into its account fairly quickly. So you can offer Net 30 terms, but not have to wait a month for payment.

Which Kinds of Businesses are Merchant Cash Advances Good For? 

A merchant financing program is ideal for business owners who accept credit cards and are looking for fast and easy business financing. An MCA program is designed to help you get funding, based strictly on your cash flow as verifiable per your business banks statements. As a result, lenders in general will not ask for any burdensome document requests.

Not asking for a lot of documents, is not like what most conventional lenders demand. These can include financials, business plans, and resumes. Best of all, you can get approval regardless of personal credit quality. You don’t even need collateral. Your business’s credit card receipts and business bank statements do all the talking.

How Do Merchant Cash Advances Work Credit Suite

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

How Do Merchant Cash Advances Work? Really? 

Merchant cash advance providers weigh risk and credit criteria differently from how a banker does. An MCA provider looks at your company’s daily credit card receipts. This is to determine if your business can pay back the funds in a timely manner. In essence your small business “sells” a portion of future credit card sales, this is in exchange for immediate payment.

What are Some Caveats When It Comes to MCAs? 

Rates on a merchant cash advance can be much higher than other financing options. Depending on the company, rates can end up being prohibitively high. As a result, it’s crucial understand the terms you’re being offered. That way, you can make an informed decision about whether an MCA is worth it.

Qualifying for a Merchant Cash Advance

To determine approval, the lender will review 3 months of your bank and merchant account statements. All the lenders are looking for is consistent deposits. They want to see deposits showing your revenue is $50,000 or higher per year. They will also verify that you have been in business 6 months or more.

Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds (NSFs) showing on your bank statements. They want to see you don’t have a lot of chargebacks on your merchant statements. And they want to see that you have more than 10 deposits in a month going into your bank account. In essence, they want to see that you manage your bank and merchant accounts responsibly. And they want to see that have a decent number of consistent credit card transaction deposits each month.

The Nitty Gritty: How Do Merchant Cash Advances Work? 

The small business owner and MCA provider agree on the advance amount, payback amount, holdback, and term of the advance. Once an agreement is made, the advance is transferred to the business’ bank account. This is in exchange for a future percentage of credit card receipts.

Holdbacks

Each day, an agreed upon percentage of daily credit card receipts are withheld, to pay back the MCA. This is called a holdback. The holdback will continue until the advance is paid in full.

A business that uses a merchant cash advance will typically pay back 20% – 40% or more of the amount borrowed. This percentage is called the factor rate. There’s a difference between the holdback amount that a small business pays every day, which is a percentage of sales receipts, versus the repayment amount for the entire advance.

There could, for example, be a holdback of 15% and a repayment of 30%. It’s important for business owners to understand this distinction.

A holdback percentage is based on the amount of funds a business gets, how long it will take to pay back the money, and how big monthly credit card sales are.

Why Access to a Merchant Account Matters

Access to a business owner’s merchant account eliminates the collateral requirement needed for a traditional small business loan. Since repayment is based upon a percentage of the daily balance in the merchant account, the more credit card transactions a business does, the faster they can repay the advance.

One great plus when it comes to MCAs, is they are based on percentages. So if transactions are lower on any given day, the draw from the merchant account will also be less. This means that during times of slow business, the business’ payback is relative to incoming cash flow.

How Do Merchant Cash Advances Work Credit Suite

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

How Do Merchant Cash Advances Work Through Credit Suite? 

Our merchant financing program is perfect for business owners with credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even get approval with severely challenged personal credit and low credit scores. You can get approval regardless of personal credit quality, even if you have recent derogatory items and collections on your credit report.

This is one of the best and easiest business financing programs in existence, that you can qualify for even if you have personal credit problems. You can get approval for as much as $500,000 in financing, with no collateral requirements and bad credit.

Our MCAs are FAST

You can get pre-approval for our merchant financing program within 24 – 48 hours. You can get your formal approval and funds within 72 hours of submitting your application. Our clients love this program partially due to how easy it is to apply and get approval and how FAST you get your funds!

Get 24-hour Pre-approval

Loan amounts and qualifications depend on credit card statements. Go from application to funding in 3 days or less. Get approval for additional future funding.

Easy merchant statement review for approval. No application fees. Get approval with bad credit. There are no collateral requirements.

The only financials you need are 3 months of bank statements. Get approval with revenues of $50,000 or less. Starter programs are also available. Get 3 – 36 month terms. Get approval for up to one month’s revenue with our proven solution.

How Do Merchant Cash Advances Work Credit Suite

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

You can even Get a Second Merchant Cash Advance through Credit Suite

Over 80% of our clients come back for even more financing, after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3 – 6 months of approval, you will get an opportunity to get even more money than you got before. And all you will need to get approval for more funding is, a quick review of your last 3 months of bank statements

You can get your money in your bank account within 24 hours or less! We also provide you access to merchant credit lines. So you can have consistent access to cash. Our merchant financing program helps you rapidly grow and scale your business. You will have ongoing access to receive more and more funding easily and very quickly when you need it!

How Do Merchant Cash Advances Work: Takeaways 

Many businesses have budget gaps due to giving better terms to their clients, or for any other reason. Merchant cash advances are one excellent way to bridge the money gap. Understand the numbers and know what you’re getting yourself into. Always ask questions if you don’t understand something. And check out Credit Suite’s merchant financing program for fast money. Let’s take the next step together.

The post How Do Merchant Cash Advances Work? appeared first on Credit Suite.

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