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Best Free Project Management Software

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

Being on top of work feels so much better than the reverse.

A stakeholder asks you a third-decimal-place question about a future project. You nail it. The answer is ready and the evidence is two clicks away.

With the right project management software, it’s easier to operate at a high level.

It’s like wearing the right pair of shoes.

If you’ve never tried project management software, these free options are a great place to start.

And if you are using a frustrating tool, struggle no more.

These are the best free project management software options available right now.

Seriously, all of these products are free to use forever.

The Top 4 Free Options for Project Management Software

  1. Trello – Best for Lightweight Project Management
  2. Wrike – Best for Marketing Teams
  3. Jira – Best for Agile Teams
  4. ClickUp – Best for Large Organizations

How to Choose the Best Free Project Management Software for You

This stuff isn’t magic. You get out what you put in.

I like to think of project management software as a blank workspace waiting for a business to move in.

It gives every task a home so projects aren’t just roaming free-range across email chains, chat threads, post-it notes, and casual conversation.

One of the best parts about a free forever platform is that you actually have the chance to see what happens once you plug your business in.

Work with it for months and try a few different types of projects out. 

I know freelancers and even small companies that have been able to get along just fine for years on a freemium plan.

So which one is for you?

Let’s walk through the core aspects of project management software and how they can have an impact.

Basic Structure

Every good project management tool is stupid simple. This is especially true for freemium plans.

But they’re not all organized in the same way. Some use traditional folders and lists, whereas others track tasks entirely on boards.

How will your team’s work fit into each space?

The better the fit between a platform’s basic structure and your team’s projects , the better they can use the software to get to where they want to go.

After all, with free project management software, you want it to fit your organizational processes, not change those to fit the freemium platform you choose.

Ideally, project management software will help evolve your business processes in a positive direction. But not overnight.

Collaboration

These platforms enable people to work together better by making business workflows transparent. Everyone can see the status of projects and tasks.

This puts people on the same page, all the time. And when changes need to be made, users can alert one another with comments or by tagging teammates. This draws the right attention to the exact point of the issue.

With less uncertainty, people are free to act instead of waiting on a long email chain to finally arrive at an answer. 

Some platforms will keep a comment history associated with each individual task. Others will have an activity feed that logs updates made to the task.

These capabilities make it much easier for teams to know when a task is 100% done.

Scheduling

The tools I like let you assign users and due dates to tasks. Very simple, very helpful.

Whether you are building out on a board or a list, you can toggle views to see tasks displayed on a calendar. 

Updating the task due date will update the calendar as well, keeping everyone on the same page.

With some of the more robust free options, like ClickUp, you can set dependencies to govern the schedule. 

Reporting

Because it’s loaded with information about what teams are doing, reports generated by project management software provide a lot of insight.

I’m talking about measuring productivity, identifying trends, and staying under budget. This information can really help managers steer their teams productively.

Some of the options on this list, like Jira, have pre-built reports that are ready to go for any project.

Not all free project management software comes with reporting features. 

Trello, for example, doesn’t provide anything out of the box. That said, you can tie in a third-party analytics platform to do the heavy lifting.

Automation

Automation in free project management software is limited, no doubt. But anyone can use it.

It’s just a taste of what these platforms can do, but the early exposure can pay dividends in the long run.

When it comes time to bump up into a higher tier, users are ready to take advantage of automation instead of being intimidated by these power features.

This isn’t a make-or-break it criteria, but if users find they can eliminate some busywork from their day, it might increase buy-in to the platform.

The Different Types of Free Project Management Software

There’s a stunning array of diversity to think about when you are looking at the straight-up best project management software out there.

When it comes to free forever plans, the field narrows.

There are really two types of free project management software out there:

  • Board-based
  • List-based

You’ll find some overlap, but understanding the differences between these types will help you find a solution built to fit your needs.

Free Board-Based Project Management Software

These products have an organizational hierarchy that goes something like this:

Team→Board→List→Card

Here’s a screenshot from Trello, one of the most popular board-based options in the world:

This is the board, which all members of the team can see. Each card is a task, and it is under the appropriate list

With Trello and other board-based software, teams spend most of their time on the board. This involves going into tasks to add detail and check off complete tasks and potentially switching to calendar view to check bandwidth.

Does your current workflow map well to this cards-and-boards layout? 

Free List-based Project Management Software

These products have an organizational hierarchy that goes something like this:

Team→Folder→List→Task

ClickUp is a great example of how a list-based product helps teams stay on track:

The team has their folders listed on the left. Very traditional. Each folder contains lists, which are broken down into tasks.

List-based software can make it easier for teams to stay organized than a board that gets cluttered. In ClickUp and other good options, the list is drag and drop, so it’s not any harder to use.

In Wrike, another list-based project management solution, you can even view your projects as a spreadsheet.

Looking at both types, there’s a lot of flexibility to view projects in different forms, like list, board, calendar, or table.

Because of this, it might seem like the boundary between these two is a little fuzzy.

From my perspective, though, flexible viewing does not always equal flexible managing. 

Trello works great when you are building on a board. ClickUp works great when you are building on a list.

Sure, they can also do what the other does to some extent. I just think they work best when you are using them as designed.

And, since all of these products are free forever, it’s not going to break the bank to pilot one of each type and see what you and your team think.

#1 – Trello — Best For Lightweight Project Management

Trello is one of the most user-friendly project management options on the market. Maybe that’s why more than 1 million teams are using Trello around the world.

When I say user-friendly, I mean there is virtually zero learning curve to engaging with the product.

Drag. Drop. Click. Done.

Boards are made up of cards and lists. Clicking on any card brings up all of the relevant details, such as who’s responsible, what needs to get done, and when it must be done by.

Obviously agile teams will dig the Kanban-style setup, but Trello is so basic (in a good way) that people can build out boards within whatever framework suits them best.

Staying on track in Trello is so easy, it’s almost fun.

Assign people to tasks and they’re notified instantly when changes are made. There’s a comment feed built into every task and team members can use @mentions to call out specific issues.

Users can switch from board to calendar view to see their tasks spread out week to week. They can also “watch” cards to which they are not assigned, something that is great for managers.

The Trello platform has two main power features. 

There are Power-Ups, which let you tie in a third-party service. It could be a time tracker, a Gantt chart creator, or a collaboration tool like Slack.

And then there is Butler, an AI-service that finds repetitive tasks and helps you automate them. You can create buttons that kick off simple workflows, or schedule tasks to be created.

With Trello’s free version, you get:

  • 10 boards per team
  • Unlimited cards and lists
  • The ability to add attachments to cards, up to 10 MB each
  • Two-factor authentication
  • One Power-Up per board
  • 50 Butler commands per month

It’s incredibly easy to build what you need in Trello. There is still a lot of freedom to create the structure you need, but they also offer a range of templates for project management:

There’s also templates ready to go for HR, sales, support, and other departments.

Trello’s got you covered for lightweight project management. There’s definitely a ceiling when it comes down to what you can track on each board, even compared to other free project management software.

For a single team, though, managing a sales pipeline, content calendar, or something of similar scope is going to be a breeze.

#2 – Wrike– Best For Marketing Teams

Wrike is a really versatile project management platform with a free forever version for teams of up to five. 

There are a few reasons why it works so well for marketing teams compared to some of the other best free project management software.

First off, the collaborative features are really well-developed. 

You can store tasks within projects or folders. Teammates can add comments, tag colleagues with @mentions, and attach files directly to any task, folder, or project. 

Okay, I hear you saying, “It sounds like some of the other free project management software.” 

But, what makes Wrike so effective out-of-the-box for marketing teams is that email integration is included. Users can update, create, and prioritize tasks directly from their email.

It’s great for your team, but you can also invite clients and contractors. These users are designated as Collaborators. Basically, you can share projects and plans without having to worry that external users will make serious changes.

Another useful feature for keeping track of marketing campaigns at scale is the Table View, which breaks out all tasks into a spreadsheet view:

These and other time-saving features help marketing teams stay on track and save time. 

The Real-time Activity Stream, for instance, provides users with a feed of all the updates and comments on projects they’re assigned. Users can quickly filter the activity stream to see the updates that matter most.

Some of the other nifty features included with the free version of Wrike include:

  • Board view
  • Drag-and-drop task management
  • Mass edits
  • Cloud storage integrations
  • Microsoft 365 integration
  • 2GB storage
  • Mobile App

If Wrike ends up being a good solution, they’ve got paid plans that are tailor-made for marketing and creative teams. 

Wrike for Marketers is a business-level project management software dedicated to helping teams across the company create on-brand experiences at scale. They offer a 14-day free trial so teams can get a sense of everything that comes with the premium platform.

Wrike for Marketers Performance takes the analytics and workflow automation to another level. 

There are pre-built dashboards, advanced reporting features, data visualization tools, and integrations with an additional 400 apps.

For marketing teams, Wrike is an excellent choice. Their free project management software is enough for a team to get started, and their paid plans will take a company to the next level.

#3 – Jira — Best for Agile Teams

Jira is built from the ground up to serve teams that work within an agile framework. 

The customizable task boards are ideal for Scrum and Kanban, but so is Trello. 

What separates Jira in terms of working well for agile teams are the baked-in reporting and roadmap features. 

For managing a single team, both these features are huge time-savers. They work behind the scenes to turn all the information on your boards into visual intelligence.

Roadmaps help you track the bigger picture by placing work on a timeline that clearly maps project dependencies. 

Rather than a Gantt chart, which tracks outputs, a roadmap tracks outcomes, like solving customer problems. Work feedback, product vision, and goals into your roadmap, not just the deliverables, to get a better picture of long-term strategy.

Whether it’s a new product or sprint increment, roadmaps help teams connect their daily work to the team’s progress toward the overall goal.

There are also 12 standard agile reports available for any Jira project. 

There’s nothing users have to do to configure these. Jira automatically takes your boards and cranks out really helpful reports for agile project management, like burndown charts, velocity charts, and sprint reports.

The free version of Jira comes with other helpful features for agile teams like:

  • 10 users for one site
  • Customizable workflows
  • Automation
  • Backlogs
  • Apps and integrations
  • 2GB file storage
  • File sharing
  • Business continuity and disaster recovery

A word about a few of these features. Since Jira is an Atlassian product (like Trello), there’s a really long list of apps and integrations that are going to work.

The customizable workflows and automation are definitely limited with the free version of Jira, but you can work many third-party tools into your processes. 

With Jira, the deliberately agile design means that teams and leaders have to do less finagling to get the tools they need. 

Backlogs, for instance, can be set up with other free project management software. In Jira, however, they are a dedicated feature that has been designed for backlog grooming and sprint planning.

Instead of spending time to configure the system, teams can start using Jira on day one. 

Another helpful feature is that each task is assigned a unique key and ID. This is great for ticketing and bug-tracking.

Give their free forever version a shot and find out why so many agile teams depend on Jira.

#4 – ClickUp — Best For Large Organizations

ClickUp offers the most control and functionality in the free project management software category. It’s my pick for larger organizations for two reasons. 

One, the free platform is generous enough to accommodate multiple teams. More than that, the simple structure is built to scale. 

The number two reason is customizability. Each team can configure their workspace to suit their specific needs. 

Let’s dig a little deeper into both these reasons.

The free version allows for five Spaces, each of which is enough to support an individual team. Spaces can hold up to 400 folders, which can in turn hold up to 100 lists.

Lists are where tasks live and ClickUp allows for unlimited tasks in every list. You can also create up to 100 custom fields for lists to track whatever is most important about each task.

And it’s still super intuitive. 

Everything is drag and drop and you can toggle between list, board, and calendar views. There’s even a “me” view that shows only tasks assigned to the user.

When it comes to tasks, this is where ClickUp’s customizability really shines. 

Here’s a list of some of the things you can do within tasks

  • Assign members to task
  • Comment thread with @mentions
  • Assign comments to members
  • View activity feed
  • Track time
  • Add due dates
  • Create checklists for sub-tasks
  • Change status
  • Set dependencies
  • Move tasks to different folders
  • Draft rich text task description
  • Add attachments: docs, images, videos

Yes. I’m still talking about the free forever ClickUp plan. It’s almost like they are too generous.

To set dependencies, for example, users simply indicate that a task should wait on another task to start or block another task in the workflow from starting.

And because you can track dependencies and due dates, ClickUp’s free version provides 100 uses of their Gantt chart feature.

Honestly, I’ve barely covered half of what ClickUp can do.

It’s my top pick for larger organizations that want free project management software they can actually use. 

Little things—like how every task in ClickUp has a unique ID—make staying organized at scale possible.

Plus, the hierarchy of spaces, folders, lists, and tasks is simple and flexible enough to work for just about any use case. 

In the end, ClickUp really forces teams to stay organized as they build out. You can’t put a price on that.

Summary

If we take all the frosting off the cake, what we really have left is a simple real-time system that captures a team’s workflow.

Finding the right free project management software is about understanding how each platform accommodates the local needs of each team.

If you are just starting to explore project management software, the free version of Trello is a great place to begin. It takes no time to master and has enough functionality for teams to tackle lightweight projects.

For companies that need a little more power out of their project management solution, ClickUp is the best bet. The feature set is robust compared to other tools and it will work well across multiple teams.

On the marketing side, Wrike provides email integration, which I think is essential. That’s something that only comes with paid versions from other vendors. 

In addition to that, both the internal and external collaborative features are rich. This makes it easier to interface with customers and coordinate behind the scenes.

Workplaces that subscribe to an agile methodology will find that Jira has been hand-crafted to suit their needs. The out-of-the-box reporting and deliberate design make it very attractive.

The post Best Free Project Management Software appeared first on Neil Patel.

Best Ecommerce WordPress Themes

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

Do you dream of having an online shop that attracts customers immediately? You need an e-commerce website that makes it easy for you to sell and for customers to buy.

Don’t think your WordPress theme matters? Think again.

WordPress already comes with inherent features. An intuitive, well-suited theme enhances your e-commerce website’s performance.

This guide will help you find an e-commerce WordPress theme that works to your shop’s advantage and offers everything you need to keep selling.

The Top 7 Options for E-commerce WordPress Themes

  • Astra—Best for Overall E-commerce Customizability
  • Divi—Best for E-commerce Shop Design Features
  • Flatsome—Best for Convenient E-commerce Shop Maintenance
  • OceanWP—Best for Improving E-commerce Sales
  • Porto—Best for Niche E-commerce Setups
  • Shopkeeper—Best for E-commerce Shops with Blogs
  • Halena—Best for Pre-Built E-commerce Shops

How to Choose the Best E-commerce WordPress Theme for You

Choosing a WordPress e-commerce theme is about more than just looks. It matters for your optimization, too.

With over 11,000 WordPress themes, the options can feel overwhelming. Knowing exactly what you need for your online shop helps you determine which theme will work best for your business before you commit.

You can certainly get free themes, but in most cases, you’ll want to spring for a paid one. Paid themes usually have better design, usability, SEO features, and customizability.

You should also pay attention to certain features that apply to all themes across the board, from the ease of use to visual aesthetic to SEO rankings.

In terms of being user-friendly and accessible, follow the three-click rule. In other words, buyers should be able to find what they need within three clicks.

Loading Speed

According to Marketing Dive, 53% of users will leave a site if it takes more than three seconds to load. Loading speed also contributes to the user experience, so slow loading means a lower ranking.

You might not think your page loading speed is a theme issue, but it is. Before you buy one, check how it displays images and products, and look for ways to improve it to meet the three-second rule.

Mobile-Friendliness

As more people use smartphones and tablets to shop, it becomes more important to meet them there. According to Sweor, 85% of adults think a website should look and function as well or better than it does on a desktop.

If you don’t have a mobile-friendly shop, it will drastically reduce your customer service base. Not to mention, Google has implemented mobile-friendliness as part of its ranking criteria. Before you buy a theme, test the mobile version to verify its performance.

Security Features

Security is crucial for your customers, so it should be important to you, too. Some WordPress e-commerce themes come with extra security features beyond what your web host already offers. A secure e-commerce site builds trust between you and your customers, meaning that these features can only help your business.

The Different Types of Ecommerce WordPress Themes

With so many e-commerce WordPress themes available, you don’t need to settle for a generic setup. And if you want to stand out, you shouldn’t settle for anything.

Different types of WordPress themes offer different e-commerce capabilities and features. Here are a few types you should look for to create the optimal e-commerce site.

Responsive

A responsive theme lets your e-commerce website adapt to any device. You won’t have to worry about mobile compatibility because it’s already designed to work on laptops, tablets, smartphones, or virtually any device the customer uses.

Multipurpose

Multipurpose themes work for many different types of e-commerce shops. Do you have an online apparel store? An online shop for your bakery? A hotel?

Multipurpose themes’ adaptability allows room for your business’s growth, saving you time and money later.

Corporate

The larger your business, the more you need an e-commerce WordPress theme that can accommodate it. Corporate e-commerce WordPress themes let you expand your catalog as much as you need and still make it easy for buyers to find products with the three-click rule.

Corporate themes are often more customizable to your brand, have more flexibility, and higher quality.

#1 — Astra—Best for Overall E-commerce Customizability

Astra is one of the most popular WordPress themes, even outside of e-commerce. It works with different page builders, like Elementor, and has tons of features for performance, design, layout, and more.

Even with the free version, you get everything from custom and responsive fonts to SEO integrations. When you upgrade to the Pro version, that’s when the real magic begins. It has all the e-commerce features missing from the free version.

With Pro, you can make online shopping more convenient for your customers. You can enable custom features like infinite scroll, a dropdown cart, quick view, sales bubble style, and more. You even have plenty of gallery options to create a comprehensive catalog or portfolio.

Astra Pro also lets you create a unique look for your e-commerce WordPress site using custom headers, footers, and even 404 error pages. It also gives you display conditions so you can implement custom layouts sitewide or on one page. Plus, you get many color and typography options.

Astra comes in three paid tiers:

  • Astra Pro: $59 annually or $249 for a lifetime license
  • Mini Agency Bundle: $169 annually or $499 for a lifetime license
  • Agency Bundle: $249 annually or $699 for a lifetime license

You get over 20 starter templates at the Pro level, plus one-on-one support, training, and unlimited website usage. The Mini Agency level bumps you up to more than 55 starter templates along with all of Astra Pro’s features. You also get the WordPress portfolio plugin and a page builder addon of your choice.

At the Agency tier, you get all the Mini Agency features and Ultimate Addons for Elementor and Builder Beaver, so you don’t have to choose. You also get Convert Pro and Schema Pro plugins.

Perhaps most impressive, the Agency package comes with SkillJet Academy. This course shows you how to use marketing to your advantage and grow your business using your website.

Astra takes a little extra work to build compared to some other e-commerce WordPress themes. But if you’re willing to put in the work to set up your site, you can create a truly exceptional, customized experience for your customers.

#2 — Divi—Best for E-commerce Shop Design Features

Divi is a multipurpose theme with over 1,000 layouts to design your WordPress e-commerce site. When you buy Divi from Elegant Themes, you also get access to their other products—Extra, Bloom, and Monarch.

Divi doesn’t have a free version, and it only has one paid tier. For $67 a year or $187 for life, you get a theme that allows you to customize your shop’s design more than any other. It even has an e-commerce-specific design layout.

Divi comes with features that include:

  • Advanced code editing
  • Filters and effects
  • Animations
  • Shape dividers
  • Shadows
  • Element styling

You won’t run out of ways to make your site match your branding. Even better, it has convenient tools to help both you and your customers.

With multi-select and bulk editing, copy and paste styles, extendable styles, and Divi quick editing, you won’t need to spend hours redesigning your site. WooCommerce modules also let you create product layouts to make your items pop.

Aside from the design features, Divi comes with built-in marketing tools. It can also integrate with other products from Elegant Themes, like Monarch, to reach your social following and expand your reach, and Bloom, an email opt-in and lead generation plugin. 

Divi also has a robust help section with Quick Action to help users find video tutorials and search all available options to get the most out of their site. 

#3 — Flatsome—Best for Convenient E-commerce Shop Maintenance

Flatsome’s design focuses on making e-commerce easier for people on both sides of the screen. That’s part of what makes it the most popular WordPress theme on ThemeForest.

Its versatility makes it easy to use and especially convenient when you need to make quick site changes, list new products, or even do a complete overhaul. Flatsome’s designs focus on being intuitive for users and do updates regularly to keep everything current. If you use WooCommerce, it is nice to know that Flatsome is the number one best-selling WooCommerce theme with thousands of five-star reviews.

With over 300 layouts for customization, it has fewer design features than Divi and Astra. The good news is that if you don’t need a complex website, Flatsome does most of the work for you. Plus, its fast loading speeds and intuitive design make for an overall positive user experience.

Flatsome makes it easy to maintain your site, whether you do it yourself or have someone to handle it for you. They claim you need absolutely no coding experience to get the most out of their theme using their responsive Live Page Builder and an extensive library of building and customizable elements.

Flatsome doesn’t have a free version. For $59, you get all features with a regular license.

#4 — OceanWP—Best for Improving E-commerce Sales

OceanWP’s responsive, fast-loading theme comes with e-commerce features, built-in SEO, and even language translation. Since it has built-in ecommerce features, you don’t have to worry about tacking on extras. Ocean WP also integrates well with other page builders.

This e-commerce WordPress theme comes with a native cart popup that increases conversion rates by an average of 8%. Combine that with the floating add to cart bar that increases conversions by 5% on average, and you have a recipe for better sales by simply choosing the right theme.

OceanWP makes a great customer experience by utilizing Quick View, where people can hover over a product listing to see more details without needing to load another page. Ocean WP also gets top marks for fast loading times. Another feature is importing live demos, giving your customers an even better understanding of your products.

You can try the free OceanWP theme before you commit to the paid version. Once you decide to buy, you have the choice of three tiers:

  • Personal: $39 annually or $159 for a lifetime license for one site
  • Business: $79 annually or $319 for a lifetime license for three sites
  • Agency: $129 annually or $519 for a lifetime license for 25 sites

Unfortunately, you don’t get any additional features with the upgraded tiers. You are paying more to use the theme on more sites.

#5 — Porto—Best for Niche E-commerce Setups

Porto has an e-commerce-specific design with over 20 premade demos to help you build your site. It even divides its design variations into niches, making it easy for you to choose the right one for your business without sifting through a list of layouts.

Many of Porto’s designs look similar, so if you want something completely one-of-a-kind, it may not work for you. However, the designs it does have give any site a functional, clean look ready for any e-commerce industry.

You can tailor your site to what you sell, so your theme matches your brand. With customizable headers, product quick view, and product page customization, you have what you need to help your listings stand out.

Porto offers six different versions of product detail pages to give your customers exactly the right view of your products and also has an extensive library of documentation and responsive support to help you get your site up and running ASAP.

When it comes to conversions, Porto’s SEO-friendly setup helps you get noticed in searches. Plus, with a responsive, organized theme, customers will want to stay on your site. Porto is even Retina-ready, so you’ll have no problem displaying high-quality images.

You can get this theme from ThemeForest for $35 for a regular license.

#6 — Shopkeeper—Best for E-commerce Shops with Blogs

Shopkeeper focuses on e-commerce first by prioritizing conversions and sales for your shop. With extensive product pages for long-form content, reviews, images, and related products, you have all the tools you need to draw in customers.

Shopkeeper works well for beginners and people who don’t want to spend a ton of time building their site before starting to sell their products. This theme has pre-built layouts for your homepage and individual product pages, so you don’t have to worry about coding.

Auto-updates take the effort out of site maintenance. Plus, with drag-and-drop page building and plenty of stylistic features, Shopkeeper gives you a convenient way to create the e-commerce site you want. It even has built-in space for your blog and portfolio.

If you ever need to turn off purchasing options, such as if you are out of stock, Shopkeeper has a Catalog Mode, where you can quickly turn on and off the ability to make a purchase. Your site is still active in Catalog Mode, and users can continue to view your products and descriptions and read your blog.

With a responsive, fast-loading design, this e-commerce WordPress theme gives you the foundation for a high-quality shop. 

At $59 for a regular license, it offers everything you need to impress and convert site visitors.

#7 — Halena—Best for Pre-Built Ecommerce Shops

Halena works well for people who want a minimalist, no-frills shop. It has plenty of pre-built templates, so you don’t have to do any heavy lifting to get your shop off the ground.

Despite its minimalist design, Halena still has enough options to make your shop stand out, including:

  • Quick view
  • Product display options
  • Lookbooks
  • Shopping cart
  • Accounts and order tracking

Despite being pre-built, Halena still offers a good amount of customization. You can add progress bars and customized pricing tables, milestone counters, change button types, and add calls to action throughout your site. If you have physical locations, you’ll love the integrated Google Maps feature so customers know where to find you.

At just $49 for a regular license, Halena does all the hard work for you. The theme also includes WPBakery Page Builder and a drag-and-drop content editor, making it easy when it comes to site-building. Despite its ease of use, Halena still offers features like the advanced AJAX filter so that customers can find products in a few clicks.

Summary

No single e-commerce WordPress theme works best for every shop. Choose the right one for you based on your products, niche, and personal preference.

While you want to consider your customer’s experience, consider your own, too. A well-designed theme can make or break your e-commerce business, so weigh each feature before you commit to one.

The post Best Ecommerce WordPress Themes appeared first on Neil Patel.

Get Business Credit Cards That Don’t Report on Your Consumer Credit Reports During a Recession Downturn

Get business credit cards during a recession downturn – coronavirus or no coronavirus, this could be the perfect time for you to build your business credit history. So here are excellent cards where you can do just that.

You Can Get Business Credit Cards That Don’t Report on Your Consumer Credit Reports Even During a Recession Downturn

Learn how to make sure your business credit cards don’t report on your consumer credit reports. It makes a difference with business credit funding! You need business credit cards that do not report to personal credit. Even in a recession downturn!

Many small business credit cards require that the business owner to personally guarantee the debt. Usually this person is also the cardholder, although not all the time. But you want to apply for business credit card without personal guarantee. Don’t blame you! It would be a lot better to get an unsecured business credit card no personal guarantee.

That means that if the balance is not paid off for the business, then the owner will end up being responsible for the entire amount. It also means that business account activity could potentially spill over to the owner’s personal credit reports. It stinks to guaranty business credit!

But this depends upon each card issuer’s policy.

Policy Considerations

Some card issuers only report activity to the cardholder’s personal credit reports in the case of the owner defaulting. And there are others which will report all activity. And they will not distinguish between positive and negative activity.

The easiest way to keep business credit activity off your personal credit report is to use a business credit card which does not report business activity to personal credit bureaus. However, the decision to use a card such as this should not be made lightly. But no matter what, you don’t want these cards to report on your consumer credit reports.

So, is how to get a credit card without credit.

Report Activity During a Recession Downturn

Which is better? It all depends upon your situation. If you pay your business card on time and avoid high balances, then a ‘business’ card that appears on your personal credit reports with Experian, Equifax, and TransUnion should not be a problem.

It could even help your credit scores.

Utilization Issues

But if you charge everything you can on your card in order to rack up rewards, then your personal credit could conceivably suffer. Credit scoring models will take into consideration your debt usage or utilization ratio.

This compares the reported balances versus available credit limits. It is often for each card as well as all credit cards combined.

A high balance on a business card which appears on your personal credit can mean a higher debt usage ratio. And that can lower credit scores.

And paying the balance off in full every month alone is unlikely to solve this problem. The reported balance is often the balance as of the statement closing date and not after a payment has been made.

Therefore, if you want lower balances to get onto the reports, you need to make your payments before either the statement closing date, or whichever date the issuer reports.

Some Small Advantages

However, if your personal credit history is lacking, a business card which reports your full account activity could help. Hence if you avoid credit cards and use a debit card, you may have a “thin” credit profile. It could benefit from the boost another card could provide.

Opting for a business credit card which does not report to personal credit may help if you know there will be times you need to run up charges putting you close to the limit or carry a balance.

This could be for anything from investing in new equipment to spending to prepare for a trade show. Of course you do not want that activity to bring down your scores.

Using a Business Credit Card that Doesn’t Affect Personal Credit in a Recession Downturn

Generally, it’s better to apply for the business credit card which offers rewards and benefits of the most interest to you, rather than focusing solely on the card’s reporting policy.

Furthermore, if you default, then having a business credit card which does not report regularly to consumer credit bureaus will make no difference. You will still end up personally liable for the debt on the card if you signed a personal guarantee. This is not the way to get credit cards for businesses with no personal guarantee.

And you want a business credit card no personal guarantee required.

If the card issuer brings a lawsuit against you for the balance or sends the account to a collections agency, then this activity will likely show up on your personal credit report. That can happen regardless of how any other payment information is reported.

Another option in a Recession Downturn

Another way out is to use business credit cards that do not require a personal guarantee. However, those are few and far between. These sorts of cards ask you, the business owner, to meet a set of conditions which can differ from one product to another.

These could be annual sales guarantees. Or they might be requirements to have an open Dun & Bradstreet file or other conditions. If you cannot meet these conditions, then this option will not exist for your business at all.

Finally, as always, it literally pays to separate your business life from your personal life, by opening separate accounts and even incorporating your business, in order to demonstrate to creditors that you and your company are not the same when it comes to credit.

Build Business Credit During a Recession Downturn

So the truth is the best way to get around these problems is simply to build business credit! Don’t settle for credit cards that don’t do what you want. And don’t settle for a corporate business card that say ‘business’ on it, but is really a personal credit card in disguise.

You want it when business credit cards don’t report on your consumer credit reports. And such cards would not be them.

Every Small Business Needs Company Credit Building

Business credit is credit in a small business’s name. It doesn’t tie to an entrepreneur’s personal credit, not even when the owner is a sole proprietor and the only employee of the small business.

Because of this, an entrepreneur’s business and individual credit scores can be very different. And establishing business credit without personal guarantee is key.

The Advantages – Especially in a Recession Downturn

Given that small business credit is distinct from personal, it helps to safeguard a business owner’s personal assets, in case of litigation or business bankruptcy.

Also, with two distinct credit scores, a business owner can get two separate cards from the same merchant. This effectively doubles purchasing power.

Another advantage is that even startups can do this. Visiting a bank for a business loan can be a formula for disappointment. But building company credit, when done properly, is a plan for success. You could even get a business loan no personal guarantee.

Individual credit scores depend upon payments but also other elements like credit usage percentages.

But for small business credit, the scores actually merely hinge on if a company pays its invoices promptly.

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The Process

Growing business credit is a process, and it does not occur automatically. A small business will need to actively work to build business credit.

That being said, it can be done readily and quickly, and it is much speedier than establishing personal credit scores.

Vendors are a big component of this process.

Carrying out the steps out of order will result in repetitive rejections. Nobody can start at the top with company credit. For example, you can’t start with store or cash credit from your bank. If you do you’ll get a rejection 100% of the time.

But done right, this is how to get business credit card without personal guarantee.

Business Fundability in a Recession Downturn

A business needs to be bona fide to lending institutions and merchants.

As a result a company will need a professional-looking web site and e-mail address. And it needs to have website hosting bought from a merchant like GoDaddy.

In addition company telephone numbers should have a listing on ListYourself.net.

Likewise the company phone number should be toll-free (800 exchange or similar).

A company will also need a bank account dedicated solely to it, and it must have every one of the licenses necessary for running.

Licenses

These licenses all must be in the perfect, accurate name of the business. And they need to have the same company address and telephone numbers.

So keep in mind that this means not just state licenses, but possibly also city licenses.

Working with the IRS

Visit the Internal Revenue Service website and acquire an EIN for the business. They’re free of charge. Choose a business entity such as corporation, LLC, etc.

A small business can get started as a sole proprietor. But they will probably want to change to a variety of corporation or partnership.

This is in order to decrease risk. And it will make best use of tax benefits.

A business entity will matter when it pertains to tax obligations and liability in case of litigation. A sole proprietorship means the owner is it when it comes to liability and tax obligations. Nobody else is responsible.

Beginning the Business Credit Reporting Process

Start at the D&B web site and get a free D-U-N-S number. A D-U-N-S number is how D&B gets a company into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s web sites for the business. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for accuracy and completeness. If there are no records with them, go to the next step in the process.

In this manner, Experian and Equifax will have something to report on.

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Vendor Credit

First you should establish trade lines that report. This is also known as vendor credit. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can begin getting retail store and cash credit.

These kinds of accounts tend to be for the things bought all the time, like shipping boxes, outdoor work wear, ink and toner, and office furniture.

But first off, what is trade credit? These trade lines are credit issuers who will give you starter credit when you have none now. Terms are usually Net 30, instead of revolving.

Therefore, if you get approval for $1,000 in vendor credit and use all of it, you must pay that money back in a set term, such as within 30 days on a Net 30 account.

Details

Net 30 accounts need to be paid in full within 30 days. 60 accounts have to be paid completely within 60 days. Unlike with revolving accounts, you have a set time when you must pay back what you borrowed or the credit you used.

To launch your business credit profile properly, you need to get approval for vendor accounts that report to the business credit reporting bureaus. When that’s done, you can then use the credit.

Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Makes Sense

Not every vendor can help in the same way true starter credit can. These are merchants that will grant an approval with marginal effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

You want 3 of these to move onto the next step, which is retail credit.

Uline Shipping Supplies

Uline Shipping Supplies is a true starter vendor. You can find them online at www.uline.com. They offer shipping, packing, and industrial supplies, and they report to D&B.

You have to have a D-U-N-S number. They will request 2 references and a bank reference. The first few orders might need to be paid in advance to initially get approval for Net 30 terms. Also, you may have to buy some items you don’t need.

Crown Office Supplies

Crown Office Supplies is another true starter vendor. You can find them online at https://crownofficesupplies.com. They sell a variety of office supplies and take helping clients seriously. They state, “just starting your business, or maybe have an existing business, but you have a question regarding office supplies… we are here to help!” And they report to Dun and Bradstreet, Experian, and Equifax.

There is a $99.00 yearly fee, though they do report that fee to the business credit reporting bureaus. For other purchases to report, the purchase must be at least $30.00. Terms are Net 30.

Grainger Industrial Supply

Grainger Industrial Supply is also a true starter vendor. You can find them online at www.grainger.com. They sell safety equipment, plumbing supplies, and more, and they report to D&B. You will need to have a business license, EIN, and a D-U-N-S number.

For less than a $1000 credit limit they will approve almost any person with a business license.

Accounts That Do Not Report

Non-Reporting Trade Accounts can also be helpful. While you do want trade accounts to report to at the very least one of the CRAs, a trade account which does not report can also be of some worth.

You can always ask non-reporting accounts for trade references. Additionally credit accounts of any sort ought to help you to better even out business expenditures, thereby making budgeting less complicated. These are companies like PayPal Credit, T-Mobile, and Best Buy.

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Retail Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move to retail credit. These are companies which include Office Depot and Staples. These companies are likelier to have supplies you need.

Use the company’s EIN on these credit applications. These are no personal guarantee business credit cards!

Fleet Credit

Are there more accounts reporting? Then progress to fleet credit. These are service providers such as BP and Conoco. Use this credit to purchase, fix, and take care of vehicles. Make certain to apply using the business’s EIN. These are business credit cards without personal credit. You will have start up business credit cards without personal guarantee.

Cash Credit

Have you been responsibly handling the credit you’ve gotten up to this point? Then move to more universal cash credit. These are service providers like Visa and MasterCard. Keep your SSN off these applications; use your EIN instead. These are business credit cards for new businesses without personal guarantee.

These are frequently MasterCard credit cards. If you have more trade accounts reporting, then these are feasible. Once you’re here, these become easy business credit cards no personal guarantee.

Monitor Your Business Credit in a Recession Downturn and Beyond

Know what is happening with your credit. Make certain it is being reported and fix any errors as soon as possible. Get in the practice of taking a look at credit reports. Dig into the details, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less.

At Equifax, you can monitor your account at: www.equifax.com/business/business-credit-monitor-small-business.

Update Your Information

Update the info if there are mistakes or the relevant information is incomplete. At D&B, you can do this at: https://iupdate.dnb.com/iUpdate/viewiUpdateHome.htm. For Experian, go here: www.experian.com/small-business/business-credit-information.jsp. And for Equifax, go here: www.equifax.com/business/small-business.

Fix Your Business Credit

So, what’s all this monitoring for? It’s to dispute any inaccuracies in your records. Errors in your credit report(s) can be fixed. But the CRAs generally want you to dispute in a particular way.

Get your small business’s PAYDEX report at: www.dnb.com/about-us/our-data.html. Get your company’s Experian report at: www.businesscreditfacts.com/pdp.aspx?pg=SearchForm. And get your Equifax business credit report at: www.equifax.com/business/credit-information.

Disputes

Disputing credit report errors generally means you send a paper letter with duplicates of any evidence of payment with it. These are documents like receipts and cancelled checks. Never send the originals. Always mail copies and keep the originals.

Fixing credit report inaccuracies also means you precisely spell out any charges you challenge. Make your dispute letter as crystal clear as possible. Be specific about the concerns with your report. Use certified mail so that you will have proof that you sent in your dispute.

Dispute your or your small business’s Equifax report by following the directions here: www.equifax.com/small-business-faqs/#Dispute-FAQs.

You can dispute errors on your or your company’s Experian report by following the instructions here: www.experian.com/small-business/business-credit-information.jsp.

And D&B’s PAYDEX Customer Service telephone number is here: www.dandb.com/glossary/paydex.

A Word about Building Business Credit During a Recession Downturn

Always use credit smartly! Don’t borrow more than what you can pay off. Keep track of balances and deadlines for repayments. Paying in a timely manner and fully will do more to raise business credit scores than just about anything else.

Establishing business credit pays off. Great business credit scores help a company get loans. Your lending institution knows the business can pay its debts. They understand the small business is for real.

The business’s EIN connects to high scores and you can start to get new business credit cards without personal guarantee.

Business credit is an asset which can help your company for years to come. It’s the best way to get corporate credit cards without personal guarantee.

Keep Your Business Credit Cards Off Your Consumer Credit Reports in a Recession Downturn: Takeaways 

Learn more here and get started toward getting the best business credit cards for you needs . And make sure your business credit cards don’t report on your consumer credit reports. This is the best way to successfully apply for business credit card no personal guarantee.

As you keep going, you can qualify for business credit lines with no personal guarantee. And it can all start with small business credit cards without personal guarantee. The COVID-19 situation will not last forever – and in the meantime, you can be getting amazing credit cards for your business.

The post Get Business Credit Cards That Don’t Report on Your Consumer Credit Reports During a Recession Downturn appeared first on Credit Suite.

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