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Mystery or Myth? Bad Credit Recession Startup Business Loans

In this post COVID-19 economy, funding has become a huge issue for businesses.  If you have bad credit, it may seem hopeless. Can you get bad credit recession startup business loans?  Probably not, but there is hope.  There are other options.

Bad Credit Recession Startup Business Loans: Do They Really Exist?

This is a question for the ages. Everyone had heard of them, these elusive loans that anyone can get, even with bad credit. Are they for real? Do they exist? Are they a hoax straight from Bigfoot’s mouth, or are the same as the stories of golden cities in the jungle and fountains that make you forever young? The answer is not as simple as you might think. It is pretty gray actually. But bad credit startup business loans with guaranteed approval are maybe a misnomer.

In the strictest sense, no, they do not exist. This is because there are no guarantees, ever. There are so many variables that go into the term “guarantee.”

That doesn’t mean you should lose all hope however. There are some loans available to those with bad credit. You just can’t say that there is a guarantee of approval because in most cases, there is other criteria a business must meet to eligible if credit is bad.

Bad Credit Recession Startup Business Loans: Why Does Credit Even Matter?

Startups are a big risk, and few lenders are willing to take such risks, especially during a recession.  Lenders check credit to help determine whether or not a borrower is likely to repay the loan. It is an effort to reduce risk. Like anything else, overuse can render it useless. Credit is a good indicator, but it is not a perfect indicator, of a likelihood to repay.

Bad Credit Recession Startup Business Loans: What Else Can They Look At?

There are a ton of potential borrowers out there that could be great for lenders. Unfortunately, they will never get a second look because of a poor credit score. They may be excellent bill payers that hit a rough patch in the past.

Those lenders then that offer bad credit recession startup business loans look at other factors. They may peruse credit, but they look at income, current debt, and length of time in business as well.

With some bad credit startup loans, guaranteed approval comes with length of time in business and annual revenue. It is important to remember that startup can be as young as a couple of years. It does not have to be a brand new business to qualify as a startup.

Most loans that do not require a great credit score require at least 6 months in business. Some will go with 3 months. Few and far between are the loans that do not have a minimum time in business requirement. But they do exist.

Some lenders will get as personal as to ask what happened with the credit score. If there is a personal situation that caused a decline in credit, letting them know may help. Also, if you are still low but have increased your score significantly, bringing that to their attention may work in your favor.

Say you are asked why your score is so low, and your answer is that you had a health issue that caused you struggle with on time payments.  If you can show them that in the time since your issue became a non-issue you have been able to increase your score by 100 points and it is still rising, the lender may take that into consideration.

recession startup business loans credit suite3

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Bad Credit Recession Startup Business Loans: Are These Lenders Mythical, or Simply a Mystery?

Bad credit startup business loans, guaranteed approval or otherwise, are hard to come by. The whole search is similar to that of a large hairy creature with big feet or the jungle for a city of gold. There is no shortage of claims that they have been found. When it gets down to the nitty gritty however, that is not what they found. Most likely, they have found one of these next options. Still impressive, but not what others claim they are.

Alternative Lenders

Alternative lenders carry the closest product probably.  Most of them are more similar to a very ancient city, but not one made of gold. These lenders are alternatives to the standard banks and credit unions. Many operate solely online. They often process applications in just a few days, and borrowers receive funds quickly.

The main difference is that there are many occasions where they may not even do a credit check. It is quite often that you simply must show that you are generating sufficient revenue to repay the loan and interest.

You do have to do your research still.  Do not assume every loan an alternative lender offers is what you are looking for.

The interest rates with alternative lenders are generally higher, and the repayment terms are less liberal. They may also require a personal guarantee or collateral of some sort.

Despite the often less favorable interest rates and terms, these are a great option for those looking for bad credit startup business loans guaranteed approval.

Crowdfunding

Crowdfunding is not technically a loan, though some crowdfunding sites offer a lending option. These are more in line with investments. This means you do not have to pay them back. As far as bad credit startup business loans, guaranteed approval is not technically possible here.

The reason is that you must set a goal for the amount of investment you want. With some sites, if you do not reach that amount, you do not get your funds. Other crowdfunding sites are more flexible, allowing you to take whatever you can get.

The main reason this doesn’t technically fall into the category of bad credit business loans is that they majority product is not a loan. You do have to provide in depth information however, and most sites require you to offer backers a reward for their investment.

Angel Investors

Again, this isn’t a loan, but it is an option if credit is problem. Though not technically bad credit startup business loans guaranteed approval, they are a bad credit startup funding option. The idea is very similar to that of crowdfunding, except you replace the crowd with one investor.  Sometimes it is two or three investors. It is a few, and not a crowd, that provide the bulk of the funding.

It’s important to note that angel investing in your endeavor can be really informal.  Even your mother can be an angel investor.

Invoice Factoring

If you have been in business long enough to have open invoices, invoice factoring could be an option. The option could qualify as bad credit startup business loans, guaranteed approval with open invoices. The lender is not concerned with your credit, because they will not be collecting from you.

They will pay you a discounted value for your open invoices and then attempt to collect the full amount from your customers. This is an excellent funding option, but truly doesn’t truly operate like a true loan.

recession startup business loans credit suite3
Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Merchant Cash Advance

This works similar to invoice factoring, but it isn’t exactly the same. You do have to be generating sufficient credit card sales to qualify. However, they are not interested in your credit because they will collect from your credit card sales automatically.

Here is how it works. The lender determines an amount you are eligible for based on your average daily credit card sales. They then lend you the money, and collect repayment as a percentage of daily credit card sales. Most often, this happens automatically, electronically.

So, though not actually bad credit startup business loans, guaranteed approval is possible if you have the required credit card sales. It is a funding option that works for many.

Self-Funding and Friends and Family

Your friends and family are often your best source for bad credit startup business loans, guaranteed approval because they love you. If they believe in your cause and have the funds, they may be willing despite bad credit. They may also be more flexible and generous in terms of interest rates and repayment terms. It never hurts to ask.

If you have savings or retirement funds available, there is no doubt you will have guaranteed approval with what’s called securities-based financing. An added bonus is that you can repay yourself, and if you choose to do so with interest, even a little, you could end up better off. If you need to take it more slowly, you can do that too. You can be as flexible as you want with yourself.

Avoid the Search

If you are weary of searching for mythical creatures, start now working to establish and build business credit. Many times, this is an issue for the simple reason that business owners do not understand business credit and personal credit are not one and the same.

By working to establish a credit score for your business separate from your own, you make it easier to fund your business endeavors in the future.

recession startup business loans credit suite3
Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

The First Step

If you do not currently have business credit and need to get it established, there are some simple steps you can take to get started.

  • Incorporate your business
  • Get your business its own phone number and address
  • List this information under your business name in all the directories.

These steps establish your business as its own entity separate from you and your finances. This is the essential first step to establishing business credit.

Build Legendary Business Credit

This should be the ultimate goal.  Once your business its own entity, you can work on building, or repairing, bad credit. When that part is complete, you no longer have to worry about bad credit startup business loans, guaranteed approval or otherwise. You will just be able to apply for a loan and negotiate for the best terms and rates.

How do you get there? First, make sure you are doing business with vendors that report to the credit agencies. Then, get whatever credit you are eligible for. Whether it is a bad credit startup business loan guaranteed approval, or a small business credit card with a low limit.

Even if you don’t need credit at the moment, get something. Then make your payments on time, consistently. This builds a credit score where there was none before, and can begin to repair a poor credit score.

What Makes a Legend?

Remember, legends are not made of nothing but once upon a times and happy endings. There is always an obstacle to overcome. There is always distress of some sort. Don’t let the hard to find bad credit startup business loans, guaranteed approval or those that require a little extra work, be the thing that keeps you from your happy ending.

Either find one of the few in existence, or take advantage of one the alternatives. There is more than one way to win a battle. If the regular weapons are not available for whatever reason, find another way.

The key is to put yourself in a better situation so that once you survive the battle, you can win the war. Then you can go down in history as your own business legendary beast. The Bigfoot of the business world!

Discover this new way to find bad credit startup business loans – guaranteed approval.

The post Mystery or Myth? Bad Credit Recession Startup Business Loans appeared first on Credit Suite.

How to Use Instagram Filters in Paid Social Media Campaigns

One billion – that’s how many people use Instagram each month.

With such a huge, highly engaged audience, you can bet the competition between brands is tough. This is why small details can make all the difference, and Instagram filters could play a part in making your social media campaigns more successful.

What are Instagram Filters?

Everywhere you look, marketing advice says you need high-quality images to succeed on platforms like Instagram. But what if you’re not a professional photographer?

This is where Instagram filters can be a game-changer for your marketing and particularly your paid social media campaigns—they can make your images look as sleek as if they’d been professionally shot.

Here’s an example of an unfiltered image vs. its filtered twin:

Unfiltered instagram photo of boats on water
Instagram photo of boats on water using clarendon filter

Not only do Instagram filters make things look cleaner, but they also allow you to edit your image with one click. Where most editors make you alter contrast, saturation, and so forth individually, Instagram lets you pick a pre-set filter that suits your image—though you can tweak them if you’d like.

While these filters have been around since 2011, they’ve taken off in recent years. With the added capabilities of augmented reality (AR) technology—which adds imaginary images to those of the real world—they can significantly impact your social media campaigns.

Why Should You Use Instagram Filters in Your Paid Posts?

Social media platforms are competitive, and standing out from the crowd isn’t easy. If you’re going to get the best cost per click with your paid social media campaigns, then your brand needs to grab attention and drive engagement.

When you run an Instagram ad, you don’t have much real estate to work with, so you’ve got to find ways to draw your audience in with the limited space you have.

If you can combine innovative use of filters with creative images and excellent text, then you could achieve exceptional results— as Opel did with their “Opel Adam” campaign. In just two weeks, the campaign achieved a 2.5x increase in registrations and significantly lowered Opel’s cost per registration.

It’s possible to achieve the same results for your business, but you’ve got to make the most of the tools available to you.

If only 18% of Instagram posts use a filter, this means you’ve got an opportunity to make your content stand out over the other 82%. Research shows that AR filters have an average dwell time of 75 seconds, which is four times that of even video content—so using it can make a huge difference.

Social media platforms crave engagement, and if your advertisements give them that, you may find you reach more people for less—and Instagram filters are one of the best tools to help you achieve this.

How to Use Instagram Filters for Your Paid Campaigns

Turning your posts into paid campaigns through the Instagram app couldn’t be easier. All you need is a business or creator account, and then you can get set up with your paid ads.

  1. Click the profile icon in the bottom right-hand corner.
  2. Select promotions.
  3. Choose a post to promote. Instagram will prompt you to use your top post, but you can select any of your previous posts to promote.
  4. Select where to send people— your profile, website, or direct messages.
  5. Define your audience. The easiest option is to choose “automatic,” which targets people similar to your followers, but you can create your own.
  6. Choose your budget, setting your daily cost and how long you want the campaign to run for.
  7. Review and publish.

 

how to use instagram filters for your paid campaigns

To create a promotion through the app, you need to have already created your post or story. Luckily, Instagram makes it exceedingly easy to snap an image on the go, add a great filter, and promote it within seconds.

Tips for Picking the Right Instagram Filter for Your Campaign 

The right Instagram filter might be a quick way to give your images the professional touch, but the wrong filter can have the opposite effect. When you’re choosing your filter, keep these three points in mind:

  • Your images reflect your brand
  • Consistency works well on social media
  • Don’t go filter crazy

Your images help define your brand, so the filters you choose matter. Your filters should reflect the mood of the product or service you’re promoting, and you need to stay consistent with this.  

A great example of this is JetBlue’s Instagram account. You can easily spot how consistency has allowed them to develop their own simple yet effective style by using similar image styles, colors, and more.

Screenshot of JetBlues use of Instagram filters

While the right filter can make things look amazing, “over filtering” can have the opposite effect. You don’t want to alter things so much that they look surreal. Instagram filters are optimized to please, so it’s often worth sticking to the tried and tested rather than over-editing.

If you’re looking for inspiration, Canva studied the most popular filters, and Clarendon, Gingham, and Juno came out on top.

Instagram Filters for Posts

Adding filters to your Instagram posts couldn’t be easier. In five simple steps, you can post amazing images that grab your audience’s attention.

  1. Click the + button at the center of your home screen.
  2. Select the image you want to use from your library, or select “photo” or “video” to create a new one. Click next.
  3. Choose your filter from the list at the bottom of the screen. Remember, you can add more by clicking manage at the end of the reel.
  4. Add your caption, tag people in your posts, post your location, and choose other social platforms you would like to post to.
  5. Hit share.
Guide to Adding Instagram Filters for Posts

Instagram Filters for Stories 

Instagram stories allow you to post photos and videos that vanish after 24 hours. One-third of the most viewed Instagram stories are created by businesses, so they are an excellent way to make your posts go further.

The process of posting stories with filters is just as simple as with posts, but you’ll notice a lot more options when it comes to AR filters.

For a live video or image:

  1. Select your profile icon.
  2. Hit the + button in the top left-hand corner.
  3. Select “story” from the pop-up menu.
  4. Use your camera to take live video or images, or select an existing one from your library by clicking on the image in the bottom left-hand corner.
  5. Choose between your front-facing and rear-facing camera if you’re taking a live image.
  6. Select your filter from the reel at the bottom.
  7. Tap the center button to take a picture or hold the button to take a video.
  8. Use the editing buttons in the top right-hand corner to add extra filters, overlay text, or download to your library.
  9. Hit “send to” and select where to share your story.
A step by step guide to adding Instagram filters for stories

Bonus Instagram Filter Tip

If you’re scrolling through Instagram and see a filter you like, you can save it to use on your own stories.

  1. Go to the profile of the person with the filter you like.
  2. Click the smiley face emoji to see all their filters.
  3. You can save it by clicking the down arrow or try it on.
  4. When you’re trying on the filter, click the drop-down menu.
  5. From here, you can save the effect or send it immediately as a story.
  6. The next time you send a story, the filter will be ready for you to use.

Instagram Filters for Faces

When you created your first story pin, you likely noticed there are a lot of things you can do to your face with AR.

AR allows you to add computer-generated effects over the live image you see on your camera. For example, if you want to see what you look like wearing sunglasses, there’s an AR filter for that. The sunglasses appear on your face and follow you as you move.

There are endless Instagram filters with AR, which gives you more options to engage your audience. However, as with any Instagram filters, it’s essential to find the ones that suit your brand.

Some companies have had great success with AR filters on Instagram, such as this one by Ray-ban. But if you’re going to use these filters, then you’ve got to make sure you stay on-brand.

Rayban Instagram Filter of woman with antlers

To create a story with AR filters, simply follow these steps:

  1. Select your profile icon.
  2. Hit the + button in the top left-hand corner.
  3. Select “story” from the pop-up menu.
  4. Choose between front- and rear-facing camera.
  5. Slide between the filters at the bottom and watch as your face is brought to life with AR.
  6. For more effects, slide to the end of the reel and select “browse effects.”
  7. Choose a filter.
  8. Click the middle button to take a photo, hold to take a video.
  9. Click send and then select where to share.
Instagram filters for faces

Other Instagram Features to Help Your Paid Campaign

One of the reasons Instagram is so popular with advertisers is because it gives you lots of tools to give your paid campaign extra oomph. The beautiful thing about it is it’s so easy for anyone to add filters, gifs, text, and music to their images.

While a recent study found that images without text overlay generally perform better than those with text, marketing is all about finding the message that engages your audience, so it’s worth experimenting to find the formula that works for you.

These Instagram features give you added options when it comes to reaching and engaging your target audience.

Adding Gifs

Gifs provide a great middle-ground between static images and video. They were talked about as a big marketing trend, and while AR has taken over somewhat, they’re still a handy tool for your paid Instagram campaigns.

A gif is a quick and easy way to add something extra to your story, and once again, Instagram makes it exceptionally easy to do:

  1. Select your profile icon.
  2. Hit the + button in the top left-hand corner.
  3. Select “story” from the pop-up menu.
  4. Choose between front and rear-facing cameras or open your library via the icon in the bottom left-hand corner.
  5. Take a picture, or choose an image from your library.
  6. Choose the square smiley face at the top of the screen.
  7. Select gifs, or use the search bar to find a specific gif.
  8. Make your gif bigger or smaller by pinching in or out with two fingers and drag it into position.
  9. Select “send” to and choose who you want to see your story.

Adding Text

Instagram might be a very visual platform, but that doesn’t mean there isn’t use for text. The right use of text can help give your posts and stories context, grabbing people’s attention and linking the image to your brand.

Text is a vital part of Instagram because this is where you make use of one of the most important features: hashtags.

Hashtags not only help people find your posts, but they also boost engagement and allow you to zero in on what’s popular in your industry. The statistics show that Instagram posts with even just one hashtag can see an increase in engagement of 12.6%. So with only a little extra text, you can give your campaigns a better chance of success.

You can also use text overlay on your stories. You’re in control of your text’s font, color, and look, which means you have another way of giving your images a professional look.

To add text overlay to your stories, simply:

  1. Select your profile icon.
  2. Hit the + button in the top left-hand corner.
  3. Select “story” from the pop-up menu.
  4. Select your image or video.
  5. Click the “Aa” in the top right-hand corner.
  6. Type your text.
  7. Choose your font, color, and effects, using the tools at the top of the screen.
  8. Hit “done.”
  9. Select “send to” and choose your audience.

Adding Music

Music has always played an important part in advertising. Music helps make advertisements more memorable, evokes emotion, builds the story, and accentuates the brand, so it can be an essential tool.

While some people will use Instagram with the sound off, Instagram makes it so easy to add features such as music that you don’t lose anything by using them.

Again, make sure whatever you choose fits your brand and is going to engage your audience.

Here’s how you can add music to your Instagram stories:

  1. Select your profile icon.
  2. Hit the + button in the top left-hand corner.
  3. Select “story” from the pop-up menu.
  4. Choose between front and rear-facing cameras or open your library via the icon in the bottom left-hand corner.
  5. Take a picture or choose an image from your library.
  6. Choose the square smiley face at the top of the screen.
  7. Click the music icon.
  8. Choose your song.
  9. Edit which part of the song you want to showcase, clip duration, and how you want to credit the song.
  10. Click “done.”
  11. Move the music sticker, making it bigger or smaller to suit your image.
  12. Hit “send to” and select your audience.

Instagram Filter Features Within Other Photography Apps

You might be thinking, “I want my Instagram posts to stand out, so why would I use the most common filters such as Clarendon?” While many brands find success with Instagram’s filters, you have other options if you choose to go that route.

To help you with this, there are lots of photography apps that have curated Instagram filters you can pay for or give you the ability to create your own, including:

  • VSCO
  • Afterlight
  • A Color Story
  • Tezza
  • Spark AR

You may have to invest some time in finding or creating the perfect Instagram filter, but once it’s saved to your Instagram account, you can add it to all your posts and stories in seconds.

Conclusion

The right Instagram filter can immediately improve your images and give your brand an identity. When you’re running paid media campaigns, you want to give your images and videos every chance of standing out from the crowd, and filters can help you achieve this.

Instagram makes it incredibly easy to add this extra element to your posts. Turn your images into posts that people want to engage with and share, then watch how they may improve your paid social media campaigns.

What’s the go-to Instagram filter for your brand?

 

The post How to Use Instagram Filters in Paid Social Media Campaigns appeared first on Neil Patel.

Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession

Get the Most Awesome, Best Balance Transfer Business Credit Cards in a Recession Today!

You can get the best balance transfer business credit cards in a recession! We can show you how!

Per the SBA, corporate credit card limits are 10 – 100 times that of personal cards! This shows you can get a lot more cash with small business credit.

And this also means you can have personal credit cards at retail stores, and now have an additional card at the same stores for your business. And you won’t have to provide collateral, cash flow, or financials to get business credit.

Best Balance Transfer Business Credit Cards in a Recession: Card Advantages

Features vary, so make certain to select the perk you prefer from this range of choices.

The Best Balance Transfer Business Credit Cards in a Recession – You Can Get Luxurious 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 terrific for travel if your costs don’t come under basic bonus categories. You can get unlimited double miles on all purchases, with no limits. Get 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you only 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 great to outstanding 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 an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay an annual 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 3 months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get 3 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 via Chase Ultimate Rewards. You will need a good to superb FICO score to qualify.

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

No Annual Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, have a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the initial nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can earn 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.

Also get 3 points per every dollar spent when you reserve your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can earn and points do not expire.

You will need excellent credit to get this one (as in, 700s or better).

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

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 to get this card.

Points

You can get 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 qualified 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 US service providers and on US purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Also, you get a free night each year after your card anniversary. And you can earn an additional 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 eligible purchases in a calendar year and get an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Plus, 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/

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Business Credit Cards for Fair Credit, Not Needing 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.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, and others where they want added documentation. 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. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

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

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

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Terrific 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 yearly fee for the first year. After that, this card costs $95 per year. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.

You will need good to outstanding credit scores to qualify.

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

Flat-Rate Rewards and No Annual 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 minimal spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to outstanding credit scores 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 year. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the initial 3 months from account opening.

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

Get 2% cash back on the initial $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no limitation to the amount you can get.

You will need excellent credit scores to qualify for this card.

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

Boosted Cash Back Categories

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

Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.Best Balance Transfer Business Credit Cards in a Recession Credit Suite

Get 3% cash back in the category of your choice. So these are gasoline 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 outstanding credit scores to qualify.

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

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Credit Cards with 0% Introductory APR

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

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

So you will need good to outstanding credit scores to qualify.

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

American Express® Blue Business Cash Card

Also take a look at the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash as opposed to points.

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

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

So you will need great to superb credit to qualify.

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

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Cards for Rewards

Capital One® Spark® Cash Select for Business

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

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

So you will need great to excellent credit to qualify.

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

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Exceptional Business Credit Cards with No Yearly Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Have a look at the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the first one 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 corporation. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. So you will need exceptional credit scores to get approval for this card.

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

Your Best Balance Transfer Business Credit Cards in a Recession

Your absolute best balance transfer business credit cards in a recession will be based on your credit history and scores. Just you can decide which benefits you want and need, so be sure to do your homework. And, as always, make sure to build credit in the recommended order for the best, fastest benefits.

The economy will change again – and your prospects for getting cards will be even better.

The post Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession appeared first on Credit Suite.

SEO Pack: 21 Worksheets, Templates, and Cheat Sheets

SEO is tough.

It’s time-consuming and hard to implement.

And, because of that, I have a free SEO training course and even an SEO tool to help you out.

But what if you don’t have the time to go through a 21-part training series? Or what if my SEO tool doesn’t give you the step-by-step instructions you need?

What other options do you have?

Well, today I thought I would make your life easier by sharing 21 of my own SEO and content marketing worksheets and templates to help you get higher rankings in less time and, best of all, with less effort.

Marketing definitions

Let’s start off with the basics.

In marketing, we all use terms that might be a bit confusing.

Sure, you probably know what SEO is and what it means, but what about terms like CPC?

Or more complicated ones like CAC, BANT, LTV, or even NPS.

I’ve created marketing acronyms glossary that breaks down what each marketing acronym stands for and what it means.

So, when you are reading any marketing blog or book, you’ll now know what these “unusual” acronyms and words mean.

Local SEO

If you want to rank for local-based terms, it’s not just about optimizing for keywords. There’s much more to local SEO and a lot of it has to do with your landing page.

Here’s a template that breaks down the anatomy of an optimized local landing page.

What’s cool about this template is that it breaks down the percentage of impact each element will have when it comes to your SEO.

Keyword research

The easiest way to find keywords is to use tools like Ubersuggest.

Just type in a keyword…

You’ll see a report that looks like this…

Then click on “Keyword Ideas” in the left-hand navigation.

But as you go through the list of thousands of thousands of keywords, how do you know which ones are valuable?

Sure, in general, if a keyword has a high “volume” it means it is searched a lot, which is good. And if it has a high “CPC” it means that advertisers are willing to spend a lot to advertise on that keyword, which again is good because it typically means that the keyword drives qualified traffic that causes purchases.

And if a keyword has a low SD (SEO difficulty) that’s great as well because it means the keyword is easier to rank for.

When looking for keywords, ideally you want ones that meet all 3 of those requirements.

But just because a keyword doesn’t meet all of those 3 requirements doesn’t mean that it isn’t good for you and your strategy.

There’s actually a lot of hidden gems out there that don’t meet all of those requirements because marketers don’t know they are lucrative.

So to help you find the best ones, I’ve created a 220 profitable keyword cheat sheet. It breaks down keywords that have buyer intent for all industries.

Now, I want you to go back to Ubersuggest to perform a keyword search and look for keywords that contain some of the phrases within my profitable keyword cheat sheet. Those are keywords you’ll want to target.

Seriously, just spend 5 to 10 minutes hunting for keywords. Perform at least 10 searches and you’ll find some gold.

As you are doing the keyword research, you’ll find that it may be difficult to remember and keep track of all the amazing keywords you are finding, which leads me to the Ubersuggest keyword planner spreadsheet.

You can use it to keep track of the keywords you want to focus on first, second, third…

Trust me, it will make your life simpler.

SEO factors

There are over 200 factors in Google’s algorithm.

But let’s face it, you aren’t going to optimize for each of them because it takes too much time.

And even if you have the time, where do you start, and which ones do you fix first?

Well, an easy solution is to go here and put in your URL.

You’ll end up with a report that looks like this…

And if you click on any of the error boxes, it will break down what to fix in order.

You can then click through and get details for each SEO error.

And although I highly recommend that you fix your errors in the above report (it’s a great way to boost your rankings), you don’t want to just keep playing defense.

You want to start playing offense with your marketing and make sure that you are doing things right as you release new pages or make changes to your website.

So I’ve created an SEO factors cheat sheet that breaks down important factors that you need to think about when creating new pages on your site.

It’s great to pass along to your team members and your content writers as well (and even your developers!) so you can make sure that everyone is on the same page.

And don’t worry, it doesn’t break down all 200 factors as that would be too overwhelming… it focuses on the important ones that you need to get right from day 1.

But if your team does want something more detailed, I’ve also created a thorough SEO checklist that is 20 pages long.

Anytime my team is doing major changes like a redesign or change our site structure, I make sure that they go through that checklist as it helps ensure we at least maintain our rankings if not increase them.

Supercharging your content

Content marketing is a key ingredient to more search traffic.

But these days, there is so much content on the web. How do you make sure that your content stands out and ranks?

Just think of it this way, there are over a billion blogs on the web.

Let that sink in.

That’s such a large number it comes out to roughly 1 blog for every 7 people.

Do you think we really need more blogs?

Not really… we just need good ones.

And one way to make your content better is to use data and research that can be integrated within your content as that helps create more backlinks.

For example, look at this post I created on the future of content marketing. It contains tons of charts and data.

People loved it so much that it generated 414 backlinks from 110 referring domains.

PS: If you are wondering how many backlinks you have or any piece of your content has, just put your URL in here.

And best of all, I did it all without even sending one outreach email.

But of course, you probably don’t have the time, resources, or team to do the custom research we did.

So how do you create content that contains data, amazing insights, and research that people love? Well, I’ve created a data sources document that you can use to easily find all of the information I just mentioned.

It will break down sites that contain unique data, charts, and research that you can cite within your content so you can naturally build more backlinks like me.

And on top of that, if you really want to supercharge your content and make sure that it not only drives traffic but more importantly sales, here are a few more templates and worksheets I’ve created for you:

  • WHIPS – the WHIPS template breaks down the cycles people go through before they purchase. Such as someone could be a window shopper, in which they are interested in purchasing something, but maybe not from you. Or they may know that they have a problem and are just looking for the right solution. No matter what situation your potential customers are in, the WHIPS template breaks down each of them so you can create the appropriate content that fits their needs.
  • 20/20 Rulebook – whether it is you who writes your own content or if you have writers, have them follow the 20/20 Rulebook. It breaks down the 20 rules that your content needs to follow if you want it to do well. Now in many cases, you won’t follow all of them, but your goal is to get as close to 20 as possible.
  • Content creation template – if you want my framework to write blockbuster blog posts, follow the content creation template. It’s a 20-page process, but once you use it a few times you’ll quickly get the hang of it and find that it’s easy to remember. And I’ve found that when people use it to write 6 blog posts, by the 7th they don’t even need to look at it because they know the steps by heart.

Content editing

I know my content has grammatical and spelling errors every once in a while, but my content does well.

One of the reasons is I follow the templates and worksheets that I’ve mentioned above.

But it is because I put a lot of emphasis on editing.

See, once you write content, let it sit for a day. It will give you time to think about how it can be made better.

And the next day, you’ll want to go in and edit it.

Don’t worry, editing doesn’t have to take a lot of time… I’ve broken down our editing hacks into 3 worksheets:

  1. 10 Commandmentsthis worksheet breaks down the 10 things to look for when editing. If you are short on time, start with this worksheet because you can typically get your editing done in less than 30 minutes by following the steps.
  2. Editing checklist – and if you have someone dedicated to editing on your team, have them complete this checklist each time they edit any content.
  3. Step-by-step editing guide – for those of you who really want to master editing, here is a 27-page guide that breaks down each step of the editing process. I’ll be honest with you, it is a bit overkill, but it is great if you have someone dedicated to just editing.

You may find the editing process a bit overwhelming, and if that is the case, stick with the checklist or the 10 commandments.

You can also use this editorial calendar to help you out. It is an Excel file, but you can load it up using Google Sheets for free.

Fine-tuning your content

Whoever says editing is the last step of content marketing is lying.

Going the extra mile by fine-tuning little things and making those small tweaks is what can help your content go viral.

Look, no matter how good of a marketer one might be, you will make mistakes. Even if you make very few, there is always room for improvement.

If you have already published hundreds (if not thousands of blog posts), don’t worry. You can tweak them still.

So, lets fine-tune your content to get that extra traffic.

Every little bit adds up, right?

It’s how I grew my SEO traffic to over 4 million visits a month:

  • Headline formula – as David Ogilvy once said, you spend 80 cents on the dollar in the headline. And it’s true, 8 out of 10 people will only read your headline, but only 2 people will click through and read the rest of your copy. So follow this headline formula swipe file to create amazing headlines.
  • Constructive criticism – having the attitude that you can always get better will help you beat your competition. The moment you think you know it all is the moment you lose. This worksheet will teach you how to critique your own content without being biased. I love using it to critique my competitions’ articles as it helps me better understand how to beat them.
  • WordPress SEO cheat sheet – you’re probably using WordPress like me. And if you are, fine-tune your blog with this cheat sheet. It’s an Excel file, but you can use Google Sheets to open it up.

Don’t forget to build links

Link building sucks. But if you don’t build links, you won’t rank well.

I wish there was another way… but there isn’t. 🙁

As you are building links you may be wondering, am I building the right links or the wrong links?

Are my existing links good? Do I need to disavow any of them?

For this reason, I’ve created a link-building scorecard. You can use Google Sheets to view it.

It will help you keep track of your links, which ones are good or bad, and what you need to fix so that you can reduce your risk of a Google penalty.

Once you download the link building scorecard, you’ll also want to download these two worksheets:

  1. Link building search operatorsthis worksheet teaches you how to use advanced search parameters within Google to find new link building opportunities. It is simple yet very effective.
  2. Outreach templates – once you find link opportunities, you’ll have to send outreach emails to convince sites to link to you. Here’s my outreach template. It contains 24 pages of outreach emails that you can use to build more links.

Conclusion

I know I’ve given you a lot of templates, worksheets, and cheat sheets, but you don’t have to use them all.

Use the ones you need and just save the rest for later. It will make your life easier, helping you get results faster and in less time.

And if you are wondering how much time you should spend on each task, here is the SEO taskmaster worksheet.

It breaks down all of the SEO tasks you need to complete, how long each will take, the importance of each one, and how to prioritize them because there is no way you can do everything in one day.

So, what do you think of all of these templates? Are you going to use them? And what has worked for you that I didn’t discuss here?

The post SEO Pack: 21 Worksheets, Templates, and Cheat Sheets appeared first on Neil Patel.

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