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How to Optimize Your Videos Through YouTube Analytics Data

What if I told you there was a way to reach an audience larger than the one Netflix has through YouTube analytics?

It’s possible!

YouTube videos reach more than 2 billion users a month—about one-third of the entire internet’s traffic.

However, if you want to use YouTube videos to drive traffic and revenue, you need to deep into the data.

How do you know whether your video has impacted your business?

Through the effective use of YouTube analytics!

In the next few sections, I’ll explain what YouTube analytics is all about, how to access it, what metrics you need to track, and how to leverage this information for better ROI.

What Is YouTube Analytics?

YouTube analytics is the native analytics platform on the site, providing access to vital metrics about video performance including watch time, viewer demographics, traffic sources, impressions, and more.

What is the point of all this information?

This data is here to help you understand what type of content your audience is interested in so you can improve your YouTube strategy.

If you hate wading through data, you’ll be happy to know YouTube analytics is pretty straightforward.

Instead of overwhelming yourself with a ton of information, you can choose to focus on the data that matters most to your brand.

Why Is YouTube Analytics Important? 

Simply put, knowing about your YouTube videos’ performance levels is vital to understanding how effective your efforts have been. When you know that, you can create more of the content your viewers love.

Why does YouTube Analytics matter so much?

For starters, YouTube is the second most popular website online. Period.

Further underlining YouTube’s popularity is that teens spend much more time watching YouTube than live TV—or even Netflix or Hulu.

This fact is of particular importance if your products appeal to this demographic.

But YouTube isn’t just for teens—people of all ages and demographics watch more than a billion hours of YouTube videos every day.

How to Access YouTube Analytics

Ready to dig into the data? Here’s how to access YouTube analytics.

From the YouTube homepage, navigate to the top right corner, where you see your account’s avatar.

Click on the image, and you’ll see a drop-down list of account options.

Select “YouTube Studio.”

youtube analytics studio example

On the next page, you’ll see the Studio dashboard.

There’s a sidebar on the left, which allows you to access different parts of your account.

Click “Analytics,” which takes you to an overview of your YouTube channel’s performance.

youtube analytics channel dashboard

The overview page provides details like views, watch time, subscribers, estimated revenue, and real-time reporting.

You’ll also see four primary analytics tabs:

  • Reach
  • Engagement
  • Audience
  • Revenue
youtube analytics channel metrics

The statistics you see here are for the last 28 days. That’s YouTube’s default setting.

However, you can view metrics for a different period by clicking on the drop-down on your screen’s top right corner.

date range period youtube analytics

What if you want to see how well your videos have performed within 60 minutes or 48 hours of hitting the publish button?

The real-time report provides these details.

YouTube has information in place to help you understand the metrics, even if you’re a beginner.

All you have to do is hover over your chosen metric or click the “i” in a circle appearing near the metric’s name.

Here’s an example:

impressions over time youtube analytics

If you want to understand the metrics further, the “Learn More” link at the bottom of the box comes in handy.

In addition to overall channel metrics, you can also view individual videos’ metrics.

To access video metrics, click on any video from the overview page.

youtube video metrics

Click on “See More” to dive deeper into the analytics of a specific video.

Alternatively, you could click “Advanced Mode” at the top right corner.

Want to see how two videos performed against each other?

The comparison feature allows you to compare two videos, one video against itself over different periods, or a video with a group of other videos.

If the video is part of a series, you can discover how it compares to the others.

Additionally, you can discover if there is a difference in seasonal video performance.

To access this feature, click “Compare to” at the top right corner of the page.

compare youtube analytics

Here, you can select the periods, video, or group to compare.

youtube analytics comparison example

Another useful option is to add filters to your metrics.

You can find the filter option beneath the video’s title in the upper left, underneath the image from your video.

filters for youtube analytics

Clicking the “+” icon at the top of the table of metrics brings up a big list of metrics you can check out.

youtube analytics metrics

Want to save or share your data? You can easily export it for further analysis.

To do this, navigate to the top right corner of the page you want to export and click the download icon—a downward-facing arrow with a line beneath it.

export youtube analytics data

This will bring up two options—Google Sheets and .csv—so you can choose the format you prefer.

Vital Metrics to Track on YouTube Analytics

It’s easy to get lost in the sea of data on various marketing platforms. There’s so much information, and it’s understandable if you get overwhelmed by all the filters, options, and tools.

And the same applies to YouTube analytics.

Don’t worry, though: YouTube analytics is comparatively easy to use.

Keep in mind you only need to view metrics answering a specific question you have.

These questions might include:

  • How do viewers engage with our videos?
  • When do they exit the videos?
  • Which videos convert the most viewers to subscribers?
  • Do our YouTube audience demographics match with our buyer personas?

With these and more questions in mind, it should become easier to view the metrics you need.

Below, I’ll share seven essential metrics in YouTube Analytics and insights you may derive from them.

1. Demographics

When creating a video, you need to know who you’re targeting—and who’s watching.

YouTube’s demographics data reveals details like the top countries and cities your viewers are watching from, viewers’ ages and genders, the times and days they most often watch videos, and more.

Location

If you have many viewers from a particular country or city, and your brand allows for this, you could tailor content to those locations. If you’re advertising a local product, but your videos aren’t generally being viewed locally, it may be time to investigate your keywords.

geography youtube analytics

Age and Gender

Knowing who your audience is can help you create relevant and appropriate content. After all, you wouldn’t want to produce R-rated content if your viewers are typically 13-17!

youtube analytics demographics

Furthermore, the times and days viewers are on YouTube provides insights into when you should publish new videos.

If you run YouTube ads, having demographics information can also improve your ability to target content accordingly.

Finally, you can compare your demographics data to your buyer persona.

Do they match?

If so, great! If not, will you change your buyer persona or your content?

2. Traffic Source Types

Traffic source types indicate where viewers find your videos, such as YouTube search, Suggested videos, Channel pages, direct visits, views from external sources, and others.

In addition, you’ll see how viewers from each source behave.

traffic source types youtube analytics

These metrics provide information about the sources responsible for your video views. For example, you might find your blog drives a ton of traffic to YouTube, which means you may want to embed more videos in blog posts.

For more details about how people found you, you can click on each source. For instance, clicking on “YouTube search” will show you what keywords led users to your videos.

You can also see which sources contributed little to your views and try to figure out how to boost those areas.

For example, a low number of views from YouTube search might mean you need to improve your YouTube SEO.

Or, a small number of views from Suggested videos might indicate you need to engage your audience better. Higher engagement means YouTube may see your videos as valuable and suggest them to people viewing similar content.

There are even more insights to uncover once you dig into the data.

3. Watch Time

Getting a lot of YouTube views is good, but getting a high watch time is even better. “Watch time” is how long users spend watching your videos.

YouTube’s algorithm uses this metric to help it understand your content’s quality. This means a long watch time improves your chances of showing up as suggested videos and on search pages.

youtube analytics watch time

You can analyze each video’s watch time and compare it to the video’s length.

What types of videos have high watch times? What types have low watch times? Why do you think that is?

Considering the differences between videos with high and low watch times can help you create better content in the future.

You should also examine videos with a high watch time at a particular time of year. This could be a seasonal video—and if it did well, consider creating a similar video next year.  

4. Subscribers

When a viewer clicks the “Subscribe” button, they’re confirming their interest in your content. They’re then more likely to see when you post new videos—and watch them.

YouTube Analytics displays the number of subscribers you’ve gained and lost during a given period.

You’ll also see which videos contributed to your subscribers count.

Which videos are responsible for a high number of subscribers gained? Which ones are responsible for subscribers lost?

Analyzing these changes can help you improve the content you create. For example, if longer videos tend to drive more subscribers, then you should focus on longer videos

You can also view subscription sources, which tells you where subscribers found your content.  

There’s another way to understand what drives subscribers—comparing them with non-subscribers.

For example, you can compare these two audiences on metrics such as watch time, including the time spent viewing and what percentage of the video they watched.

Thirty seconds means something very different on a 45-second video than it does on a 45-minute video!

youtube analytics example

In the image above, there’s an anomaly. You see, non-subscribers are outnumbering subscribers significantly. This data indicates a need for further investigation—perhaps check their traffic sources.

5. Top Videos By End Screen

If you’ve ever watched YouTube, you know many videos end with images of other videos to watch. Those images are there to entice users to keep watching.

end screen example youtube analytics

The metric related to this tells you which end screens accounted for the most clicks.

By clicking on “See More” in the engagement tab, you’ll see details such as end screen elements shown, end screen element clicks, and clicks per end screen element.

As a result, you can identify videos that keep viewers watching.

Why is a specific end screen more effective than another? Once you figure this out, apply the insights to other videos.

6. Top Cards

Card elements are interactive and allow you to promote other YouTube videos or links to your website. You can see an example in the image below—the “Suggested” bar is a card element.

Card element metrics show you details such as card clicks, cards shown, clicks per card, and more.

From these numbers, you’ll discover which cards were most effective at converting viewers.

Ask these questions:

  • What makes these cards effective?
  • Are cards more effective on some videos than others?
  • At what time are cards most effective in a video?
  • What makes some card teasers effective?

By diving deeper into these metrics, you can find answers to these critical questions.

7. Revenue

YouTube ads are essential to revenue. However, to run YouTube ads, you need at least 1,000 subscribers and 4,000 hours of watch time. Focus on making great content using your metrics as a guide to get to these numbers.

You can see an example of an ad overlaying a YouTube video below.

youtube analytics ad revenue

If you’re running ads as part of the YouTube Partners Program already—or when you get to that point—the revenue section of analytics is crucial.

Here, you’ll find details such as your revenue sources, top-earning videos, ad types, monthly estimated revenue, YouTube Premium revenue, and more.

What are the top-earning videos? How are they different from the low earners?

You may get answers to these questions and more by diving deeply into revenue analytics.

All that said, you don’t have to monetize your channel through ads—I don’t do this myself. Instead, I use YouTube for branding, education, and to drive traffic to other resources.

Other YouTube Analytics Tools

YouTube analytics provides a ton of metrics about your channel performance, but it’s not the only source of data available.

That’s why you should use other analytics tools to gain more insight into your YouTube campaigns.

Using these tools, you can obtain analytics for other channels in your industry, enhance YouTube SEO, and get recommendations to improve.

Here are three other tools to better understand your YouTube video performance.

Vidooly

Using your YouTube analytics information, Vidooly provides suggestions about how to improve your videos.

They also grant access to video tag analysis—meaning the words in your video’s metadata—so you can discover high-performing tags.

To help you rank higher in YouTube keyword searches, Vidooly also has a keyword tool that may boost your videos’ SEO.

If you run influencer marketing campaigns, Vidooly can help you figure out which influencers may help grow your channel.

ChannelMeter

ChannelMeter provides access to extremely detailed audience insights.

Beyond that, you can monitor how videos from influencers perform. This is handy if you run YouTube influencer marketing campaigns—or if you want to emulate some of their ideas.

ChannelMeter also allows you to check on your benchmarks and follow trends among similar videos so you can adapt accordingly.

Unmetric

One of Unmetric’s most significant features is the benchmarking tools. These tools allow you to compare your strategy against your competitors.

For example, you can look at your competitor’s click-through rate, engagement rate, and video completions. This tool can help you develop campaign goals and identify new trends.

Furthermore, you can see how you fare against your competitors and obtain insights that may boost your campaigns. They even provide ideas for content creation.

Conclusion

YouTube Analytics is essential to running any successful YouTube campaign.

You can learn about your audience, what you’re doing well, and where you can improve—without being bogged down by unnecessary data, thanks to YouTube Analytics’ helpful filters.

What aspects of your videos do you think YouTube analytics can improve?

The post How to Optimize Your Videos Through YouTube Analytics Data appeared first on Neil Patel.

How the Small Business Finance Exchange Can Affect Your Business in a Recession: 4 Things You Need to Know

As the novel coronavirus continues to affect our economy, the SBFE remains committed to its mission. Let’s take a look at the Small Business Finance Exchange in a recession – because the chances of our economy going into a recession look rather high right now.

The Small Business Finance Exchange Affects the Way Lenders Do Business

The Small Business Finance Exchange, in a recession, can change the face of business credit. You need to know how. Solid business credit is necessary to business growth always, whether there is a recession going on or not. It is also important to the protection of your personal finances. Without a strong business credit profile, you will have to rely on your personal credit when it comes to business financing.

This is bad is so many ways. It may not seem so if you have great personal credit. The problem comes when you do not have separate business credit. Then anything that affects your business affects your personal score.  If something doesn’t work out with the business, your personal credit score suffers.

It can work the opposite way also.  A bad personal credit score can affect your ability to get business financing.

The remedy is to ensure your business has its own credit score, and to be certain that score is complete and accurate.

The Small Business Finance Exchange, also known as the SBFE, helps with that.  Certain lenders and agencies have access to their data.  How do they get your information? Does it affect your business credit? How can it affect your ability to get financing for your business?

What is the Small Business Finance Exchange?

To fully understand the role of the Small Business Finance Exchange in a recession, you need to understand what it is. The SBFE is a not-for-profit entity that gathers data on small businesses from its members. The data is then used to compile comprehensive credit information. Lenders use this information to make credit decisions.

The Small Business Finance Exchange does not lend money. It also does not create or distribute credit reports.

How Does the Small Business Finance Exchange in a Recession Work?

Generally speaking, it works the same way in recession as it does in solid economic times.  The impact however, can change.  The model they use is self-dubbed a “give-to-get” model. Members provide information about their borrowers.  In return they can receive information from the exchange. This information can help them make future lending decisions.

Small Business Finance Exchange in a Recession

Keep your business protected with our professional business credit monitoring. It’s a worthwhile investment, saving you money even during a recession.

The process starts with members. The members report credit data from those companies that they do business with. This data will include payment history, among other things. This is one reason it is important to make payments on time.  When businesses use the Small Business Finance Exchange in a recession, your payment history prior to the recession can affect your business even more.

Next, the SBFE normalizes the raw data into usable information.  It then distributes this data to certified vendors. These include credit agencies that have a partnership with the SBFE. The distribution to certified vendors is step three.

Certified Vendors use the information to create comprehensive credit products for distribution to SBFE members only.

What Do Members Get?

Members can request data on any small business to whom they may extend credit, making the Small Business Finance Exchange in a recession hugely impactful. Since they gave information, they have information available to them.  That means if you work with member lenders, they have access to even more information that can affect their decision than what is on a standard credit report.

Practically, it looks like this. A lender reports credit information about its current borrowers to the Small Business Finance Exchange. When a new potential borrower comes along, they request a credit report.  This report does not come from the SBFE.  The request is to one of the credit reporting agencies such as Dun & Bradstreet or Equifax. Because of their membership with the SBFE, they receive an extended report that includes the data received from the SBFE as well as that from D&B.

How Does Using the Small Business Finance Exchange in a Recession Affects Your Business?

There is so much more to a business than how and when they make payments. Making consistent, on-time payments is essential. However, not doing so for a period of time does not always tell the whole story. The Small Business Finance Exchange uses its data to paint a more complete picture so that creditors can be better informed.

The result is that even if your payment history is not pristine, the use of information from the Small Business Finance Exchange in a recession can be a good thing for your business. Their mission is to be an advocate for the safe and secure growth of small business. They know that lenders need the most complete and accurate information available to make a viable credit decision.

The Small Business Finance Exchange in a Recession Can Help Your Business in 4 Ways

1. It Can Help You Build Business Credit.

Strive to do business with SBFE members. When you do, you know your information is being reported, which means you are building business credit. How do you know if your lender or vendor is a member?

Small Business Finance Exchange in a Recession

Keep your business protected with our professional business credit monitoring. It’s a worthwhile investment, saving you money even during a recession.

Ask them. If they are not, considered mentioning that they become a member. However, there are enough members in the network that it should not be hard to find one.

2. They Can Help You Grow Your Business.

By working with members, you ensure your complete information is being reported.  When creditors receive your information, you know they get a complete credit picture and not just one piece of it. If you are making your payments and working to build strong business credit, this can only help you.

3. You May Have Increased Funding Options.

The data available about your business from the Small Business Finance Exchange in a recession could open up additional funding opportunities that may not be available to you otherwise.

4. They Can Help You Make Wise Credit Decisions.

Small Business Finance Exchange in a Recession Credit Suite2

Small Business Finance Exchange in a Recession

If you are a small business that lends money to other businesses and has the ability to report that information, you can join the SBFE yourself. You will gain access to information about borrowers available exclusively to members. This information can help you make better decisions about your own business lending.

Who Can Become a Member?

Anyone who has the ability to report their small business lending information to the SBFE can become a member. The only way to gain access to the information that the exchange has in their Data Warehouse is to join.

Members include all types of lending institutions including banks, credit unions, and alternative lenders.

Certified Vendors

Certified vendors are agencies that have a partnership with the Small Business Finance Exchange. They distribute the data they receive from the SBFE. They do this by creating credit analysis products using the information that the Small Business Finance Exchange provides. Then they report the data to members who request a credit report on a business that is included.

Certified Vendors include Equifax, Dun & Bradstreet, and most recently, LexisNexis Risk Solutions. Of course, Equifax and Dun & Bradstreet are credit reporting agencies. LexisNexis sells lending risk insurance products.

While other credit agencies are available to lenders, when they are a member of the Small Business Finance Exchange, in a recession especially, they can get a double shot.  If they utilize one of these certified vendors, they get the benefit of the vendor’s own information plus data received from the Small Business Finance Exchange.  In a recession, this can be an essential link to risk mitigation and solid decision making.

What Goes Around Comes Around

As much as doing business with members of the exchange can help you, it can hurt you if you do not do things properly.

If you are doing business with SBFE members you eliminate the potential to not have any business credit. By default, members are reporting your information and therefore, you have business credit.

However, if you do not handle your business properly, the report members are getting about your business may not be favorable.

Members contract to report both positive and negative information.

How Do You Know If Data Related to Your Business is In the Warehouse?

If you are doing business with member entities, your data is there. How do you know if the companies you do business with are members? Ask them.

What Kind of Data do They Have on My Business?

They have identifying information related to your business. This would include your business name, DUNS number, EIN, address, and NAICS code.

They also have both positive and negative payment information. Bills paid to vendors, suppliers and business partners on time or early are all included. It also includes bills paid late, or not at all, to suppliers, business partners, and vendors.

The limits on your credit accounts, payment information on lease payments, and credit card payment history are also included.

What Action Do I need to Take?

The Small Business Finance Exchange, in a recession, can benefit small businesses. They want to see these businesses thrive and grow, and one way they do that is by offering comprehensive credit information to those who lend them money to do so.

As a small business, you are responsible for your business credit. You control what information ends up on your credit report.  What can you do?

  • Pay your bills consistently on time
  • Do business with SBFE members.
  • If the businesses you currently work with are not members, encourage them to join.
  • Join the SBFE if you are eligible. (Remember you cannot self-report your own information, but by joining, you can make better credit decisions for your business.)
  • Monitor your credit information

Small Business Finance Exchange in a Recession

Keep your business protected with our professional business credit monitoring. It’s a worthwhile investment, saving you money even during a recession.

A Word on Credit Monitoring

There are a couple of ways to monitor credit.  Remember though, that the Small Business Finance Exchange does not create or distribute any type of credit report.

You can request a report from one of the credit agencies such as Dun & and Bradstreet or Equifax.  Even though they are members of the SBFE however, you cannot see that information specific to the exchange unless you are a member as well. You cannot be a member unless you extend credit to small businesses.

Working with members of the Small Business Finance Exchange in a recession is still beneficial, but it doesn’t really help with credit monitoring.

You can also join a credit monitoring service. This will give you continuous access to the information on your report, including your credit score and what is affecting it.

Use the information. Look for ways to build your business credit and report any mistakes. Send the agency a detailed explanation of what is incorrect, what the correct information is, and copies of all supporting documents available.

How to Take Advantage of the Small Business Finance Exchange in a Recession

It is a good idea to work with SBFE members regardless of the economic client.  In a recession however, it can be even more beneficial for all the reasons already stated.  The most prominent reason is that, by doing business with SBFE member, you ensure lenders see the most complete picture of your credit possible.

If the recession has been hard on you and you have missed a payment or two, those negative marks could have a reduced impact. This is based on information lenders receive from the SBFE.  It may not make the bad things go away, but it can definitely add in other information that can help.

The Small Business Finance Exchanges in a Recession – Exists to Help Small Businesses

By offering a more complete credit picture to lenders, the SBFE ensures that more businesses have the financing available that they need to grow. As businesses grow, more businesses can be born.  This is how we come out of a recession.  Successful business begets successful business. And before you know it the economy is thriving again. It’s a win/win for everyone and the Small Business Finance Exchange, in a recession and out, is a superhero to all. Make your payments, do business with SBFE members, and your business can survive and even thrive during the recession.

The post How the Small Business Finance Exchange Can Affect Your Business in a Recession: 4 Things You Need to Know appeared first on Credit Suite.

Get Fair Credit Cards for Your Business

Is your personal credit not so hot? You can still get fair credit cards for your business.

Check Out These Fair Credit Cards for Your Business

We investigated a lot of fair credit cards for you. So, here are our options.

Per the SBA, corporate credit card limits are a massive 10 – 100 times that of personal credit cards!

This shows you can get a great deal more funds with corporate credit cards. And it also reveals you can have personal credit cards at shops. So, you would now have an additional card at the same stores for your small business.

And you will not need collateral, cash flow, or financials to get business credit.

Fair Credit Cards: Benefits

Benefits can differ. So, make sure to choose the benefit you would prefer from this choice of alternatives.

Fair Credit Cards, Not Requiring a Personal Guarantee

Brex Card for Startups

Check out the Brex Card for Startups. It has no annual fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN. 

Nonetheless, they do not accept every industry. 

Also, there are some industries they will not work with, and others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a corporation’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit scores (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Fair Credit Cards Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Fair Credit Cards for Your Business

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, without minimum to redeem.

While this card is within reach if you have fair credit, beware of the APR. But if you can pay in a timely manner, and completely, then it’s a good deal.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Fair Credit Cards with No Annual Fee

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Check out the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial year. After that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need outstanding credit to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Fair Credit Cards with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the first twelve months. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day company purchases like office supplies or client dinners for the initial $50,000 spent each year. Get 1 point per dollar afterwards.

You will need great to outstanding credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

Fair Credit Cards Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

American Express® Blue Business Cash Card

Also have a look at the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash instead of points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. After that get 1%.

It has no annual fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

You will need great to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Terrific Fair Credit Cards for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business 

Check out the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the initial year. Afterwards, this card costs $95 each year. There is no introductory APR offer. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the initial three months from account opening. Get unlimited 2% cash back. Redeem at any time with no minimums.

You will need good to excellent credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Yearly Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| conveniently to Quicken, QuickBooks, and Excel. Note: you will need great to exceptional credit to qualify for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the first one year. After that, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first 3 months from account opening.

You can earn 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

Get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.

You will need exceptional credit to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Fair Credit Biz Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need superb credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/ 

Flexible Financing Fair Credit Cards – Take A Look at Your Options!

The Plum Card® from American Express

Check out the Plum Card® from American Express. It has an initial annual fee of $0 for the first year. After that, pay $250 per year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need excellent to exceptional credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/ 

Unbeatable Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no annual fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And get a one-time $200 cash bonus once you spend $3,000 on purchases in the first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

You will need great to excellent credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Fair Credit Cards for Extravagant Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is wonderful for travel if your expenses do not come under conventional bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book through Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you just get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a good to superb FICO rating to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For a great sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay a yearly fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the initial three months after account opening. This works out to $1,250 towards travel rewards if you redeem through Chase Ultimate Rewards.

Get three points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a great to superb FICO score to qualify.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred 

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Take a look at the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need great to superb credit scores to get this card.

Points

You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial 3 months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and gasoline stations. And you can get 4x the points on wireless telephone services bought straight from American providers and on American purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Also, you get a free night every year after your card anniversary. And you can earn one more free night after you spend $60,000 on your card in a calendar year.

You get free Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on qualified purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year.

Also, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/ 

The Best Fair Credit Cards for You

Your straight-out best small business credit cards hinge on your credit report and ratings.

Only you can pick which features you want and need. So, ensure to do your homework. What is exceptional for you could be catastrophic for another person.

And, as always, make sure to develop credit in the advised order for the best, speediest benefits.

The post Get Fair Credit Cards for Your Business appeared first on Credit Suite.

How to Find Small Business Loans for Women

Female business owners can find small business loans for women to help fund their business.  That’s not their only option though. The key, I think, lies with the terminology. The truth is, there are some funding options that are geared specifically toward women.  However, they are few and far between, and they aren’t really loans. While some female geared organizations offer funding options for women only, they are typically in the form of grants.  

During the COVID-19 situation, there are still loans out there which are specifically for women. But women entrepreneurs should also be looking into SBA Paycheck Protection Program funding.

Is There a Secret Sauce to Finding Small Business Loans for Women?

It isn’t a bad idea to pursue these options.  Yet, that can’t be where it ends. Honestly, you cannot rely solely on specific small business loans for women.  In fact, what you are really looking for are loans available to everyone that may work better for women than others.  Regardless, you need to position your business to be fundable no matter the gender of the owner. If there is a secret sauce, fundability is it.

Get our business credit building checklist and build business credit the fast and easy way.

Small Business Loans for Women: The Small Business Administrationsmall bus loans for women Credit Suite

When it comes to small business loans for women, the Small Business Administration is the cornerstone. Basically, since the loans are guaranteed by the government, they are easier for almost anyone to qualify for than regular traditional loans. Here’s a sample of the loan programs the SBA offers. 

7(a) Loans 

This is the Small Business Administration’s flagship loan program. It offers federally funded term loans up to $5 million. The funds can be used for expansion, purchasing equipment, working capital and more. These funds are distributed through traditional lenders. 

504 Loans 

These loans are also available up to $5 million and can buy machinery, facilities, or land. They are generally used for expansion.  Similarly, private sector lenders or nonprofits process and disburse these funds. Furthermore, they work especially well for commercial real estate purchases.  

Microloans 

Microloans are available in amounts up to $50,000. They work for starting a business, purchasing equipment, buying inventory, or for working capital. For these, community based nonprofits handle funds as intermediaries. 

SBA Express Loans 

These loans max out at $350,000 and have a much faster turnaround. In fact, the SBA takes 36 hours or less to make a decision. Also, there is not as much application paperwork.  As a result, they are a great option for working capital if you qualify. 

Other SBA Resources for Women

Remember, take a minute to check out the other resources the SBA offers for female entrepreneurs. For example, the Office of Women’s Business Ownership.  Their goal is to enable and empower business owners that are women via advocacy, outreach, and education as well as assistance.

Small Business Loans for Women: Private Lenders

Next, if the SBA doesn’t work out, or if you still need more funding, there are some private lenders for small business that tend to work well when it comes to loans for women in business. 

Lending Club

LendingClub functions as a peer-to-peer lender.  It offers mostly fixed-term small business loans. Borrowers that get loans from LendingClub generally use loans funds to buy equipment, finance growth or expansion projects, consolidate other debt, or even hire new people.

Lendio

Lendio offers a loan-connection service that dramatically cuts the time it takes for small business owners to find the perfect loan.  The key is, they do the legwork by vetting a network of competing small business lenders. With Lendio, funding is fast.  It sometimes takes as little as 24 hours.  

Blue Vine

BlueVine offers two options for small business financing.  They include lines of credit and invoice factoring.  Also, they offer the ability to talk with a financing advisor. Their application process takes place exclusively online.  The minimum loan amount is $5,000 and the maximum is $100,000.  To be eligible for financing from BlueVine,  you must be in business for at least 6 months, have revenue of $120,000 per year or more, and have a credit score of at least 600.  

Kiva

Kiva has a different lending model. In fact, their platform is vastly different.  They are a kind of  cross between crowdfunding and lending.  Surprisingly, their  loans have a 0% interest rate. That means, even though you have to pay it back, it is actually free money. In addition, there is no credit check. The only requirement is that you have to get at least 5 family members or friends to donate money for your business.  Furthermore, you yourself have to give at least a $25 loan to another business on the platform. 

Grameen

In contrast to most,  Grameen actually does offer microloans specifically for women.  The loan amounts range from $2,000 to $15,000.  They also offer financial training and support.  

As a bonus, they report payments to Equifax and Experian.  Consequently, these loans help borrowers build credit.

Small Business Loans for Women: Other Resources that Can Help

It can be a good thing to work with these organizations when you are trying to find small business loans for women. Truly, each exists to support and aid women business owners in their small business endeavors.  The tips, tricks, and support they offer can make all the difference in finding loans for women in business.   

Association of Women’s Business Centers

The AWBC runs a network of business centers geared toward women.  These centers work hard to help women succeed.  They offer training, business development, financing, and mentoring opportunities. 

National Association for Female Executives

Also known as NAFE, this organization does a lot as well.  For example, they sponsor events, provide training, and extend other resources to help female business owners achieve success.  

National Association of Women Business Owners

In the same way, the NAWBO works nationwide to offer training, events, and other resources to female owned businesses across the country. 

SCORE

 SCORE is the country’s largest network of expert business mentors that volunteer their time with more than 300 chapters and 10,000 volunteers.  They connect female business owners with mentors.  Alternatively, they can participate in a workshop to help them learn what they need to know to be successful.

Get our business credit building checklist and build business credit the fast and easy way.

Small Business Loans for Women: A Better Option

The thing is, your gender should not define the funding you are eligible to get.  While the nature of our society dictates this somewhat, there are things you can do to ensure your business if fundable despite your gender.  Any business, woman owned or not, should be fundable to ensure the availability of funding whenever needed. So, while you are looking for small business loans for women, make sure your fundability is in order.  

Start with the Foundation

Your business cannot be fundable if it is not set up properly.  That includes the following. 

  • Don’t Use Personal Contact Information for Your Business

This includes a business phone number and fax number,  business address, and email address. Not just any email address though.  It needs to have the same URL as your website. More on that in a bit. 

  • Dump the SSN for an EIN

An EIN is an identifying number for your business that works in a way similar to how your SSN works for you personally.  You can get one for free from the IRS.

  • Get Incorporated

Incorporating your business as an LLC, S-corp, or corporation is non-negotiable when it comes to building fundability for your business. .  

  • Open a Business Bank Account

Open a separate, dedicated business bank account.

  • Licenses

Do the research you need to do to ensure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels. 

  • Website

Spend the time and money necessary to ensure your website is professionally designed and works well.  Also, pay for hosting. Don’t use a free hosting service

Small Business Loans for Women: What Else Makes a Business Fundable?

The set up is not the end of the story however.  It simply sets the business up to build fundability. After that is done, the actual building begins.  Unfortunately, it may be more of a matter of damage control than building in the beginning, depending on history. 

Business Credit Reports, Business Credit History, and Credit Score

These detail the credit history of your business.  They are a tool to help lenders determine how credit worthy your business is.  

The most common places for lenders to pull a business credit report from  are Dun & Bradstreet, Experian, Equifax, and FICO SBSS.  Since you have no way of knowing which one your lender will choose, you need to make sure all of these reports are up to date and accurate. 

Lenders will be looking not only at your credit score, but your detailed credit history including: 

  • How many accounts are reporting payments?
  • How long have you had each account? 
  • What type of accounts are they?
  • How much credit are you using on each account versus how much is available?
  • Are you making your payments on these accounts consistently on-time?

Other Business Data Agencies 

There are other business data agencies that affect those reports indirectly.  Two examples of this are LexisNexis and The Small Business Finance Exchange. They gather data from different sources, including public records.  This means they could even have access to information relating to automobile accidents and liens. 

Identification Numbers 

Dun & Bradstreet is the largest and most commonly used business credit reporting agency.  Every credit file in their database has a D-U-N-S number.  To get a D-U-N-S number, you have to apply for one through the D&B website. You have to have this number to have a file with D&B, and you have to have a file with D&B to build business credit. 

Business Information

This is a problem because of those fraud concerns lenders have.  When business information doesn’t match up, it sets off alarms.  Maybe your business licenses have your personal address but now you have a business address.  You have to change it.  Perhaps some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the same information?

Get our business credit building checklist and build business credit the fast and easy way.

Financial Statements

Both your personal and business tax returns need to be in order.  Not only that, but you need to be paying your taxes, both business and personal.  

Bureaus

There are several other agencies that hold information related to your personal finances that you need to know about.  For example, ChexSystems issues reports with information on bad checks. These reports can affect your bank score.  If you have too many bad checks, you will not be able to open a bank account.  That will seriously affect fundability. 

Anything can come back to haunt you.  Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record?  How about liens or UCC filings? All of this can and will affect the fundability of your business. 

Personal Credit History

Your personal credit score from Experian, Equifax, and Transunion affect the fundability of your business.  The number one way to get a strong personal credit score or improve a weak one is to make payments consistently on time. 

The Application Process

Everything about this affects whether or not you can get funding for your business.  Is your application complete and accurate? Are you applying for a loan product that fits your needs?  Is the timing right? Did you find a good lender match?

There is More to Funding than Finding Small Business Loans for Women

There is certainly nothing wrong with female business owners seeking small business loans for women.  They are a great first stop. In fact, now is a great time to borrow with the Fed cutting rates due to the coronavirus economic downturn.   Still, no one should let their funding hinge on their gender. If you work to build fundability for your business, whether you can get funding for your business will never be a question again. 

In fact, when you need funding and you have strong fundability, lenders will be competing to give you money.  With a deep understanding of what makes your business fundable, you will find you can get more funds with lower interest rates.  Gender has nothing to do with fundability, so don’t let it dictate the future of your business. Use gender specific financing to get started if you need to, but focus on total fundability to ensure ongoing business growth.

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Personal marketing tools for passionate people: Paper.li 2.0

Paper.li is on a mission to enable millions of passionate people with the personal marketing tools they need to build their brands. Isn’t it time you invested in yourself? Approaching our 10 year mark of …

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Ford stars fume over NZ safety car chaos

Ford driver Cameron Waters has led a chorus of disappointment after a chaotic safety-car period, costing him a potential Supercars podium finish in New Zealand.

The post Ford stars fume over NZ safety car chaos appeared first on Buy It At A Bargain – Deals And Reviews.

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