Tag: Apply

Credit Cards – Apply for Best Offers Online at #credit #card, #credit #offers #2017,

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Credit Card Applications Online

About Credit-Land

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One. Citibank. Discover Card. Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

VIDEO CHANNEL

GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history. then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

AirMiles Credit Cards

Gasoline Credit Cards

Point Rewards Credit Cards

All Rewards Programs

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

Low Interest Credit Cards

0% on Balance Transfer

No Annual Fee Credit Cards

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Credit Cards for Fair Credit

Credit Cards for Bad Credit

Credit Cards for Limited/No Credit

Prepaid Cards for Any Credit

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

Instant Decision Credit Cards

Credit Cards Rebuild Credit

All content. Copyright 2000-2017. Credit-Land.com. All rights reserved.

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Please note that Credit-Land.com has financial relationships with some of the merchants mentioned here. Credit-Land.com may be compensated if consumers choose to utilize the links located throught the content on this site and generate sales for the said merchant.


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You Can Apply for These Small Business Loans with Bad Credit #business #websites


#business loans for bad credit

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You Can Apply for These Small Business Loans with Bad Credit

Small business owners are often turned away by lenders when they have poor credit. That’s because a bad credit score implies you have not managed your finances properly in the past.

Luckily, it’s possible to secure small business loans with poor credit.

A number of alternative lenders are offering loan solutions for bad credit today. These lenders place more importance on the operating history and strength of your business. In other words, they do not focus solely on your credit score when they consider your loan application.

Here are some loans for bad credit options worth exploring.

Small Business Loans with Bad Credit

Kabbage

The best thing about Kabbage is that it does not require a minimum credit score to qualify. It does, however, check your credit history. If you are looking for some short-term working capital, Kabbage is worth trying. You can borrow from its line of credit and repay on an as-needed basis.

To qualify, you should have minimum annual revenue of $50,000 and have been in business for at least a year. You must also have a business checking account, bookkeeping software or an online payment platform.

It takes only a few minutes to complete the online application process and if approved you can get funds in just a couple of days.

Fundbox

Fundbox does not have a minimum credit score or minimum annual revenue requirement. Instead, it takes the value of your invoices and ability to repay the loan into consideration.

Funding is prompt and takes up to just three business days.

To qualify, you must use bookkeeping software or online accounting that can link to Fundbox and have a minimum of six months’ activity in one of these software applications.

OnDeck

OnDeck offers both term loans and lines of credit. You can go for the term loan if you are looking for some quick cash to expand. If you want to manage your cash flow and working capital, a line of credit is your best option.

To qualify for OnDeck’s term loan, you must have a personal credit score of 500 or higher. For a line of credit, your personal credit score should be at least 600.

Once you complete the online application process, you’ll get a decision within a few minutes and funding as soon as the following day.

Interestingly, OnDeck reports your payment activity to the three credit bureaus, which means paying off your loan on time can boost your credit score.

BlueVine

If you lack collateral, have poor credit and unpaid invoices, you may consider BlueVine. The lender offers an advance based on the value of your invoices. Approval is based on the strength of your cash flow and the financial strength of your debtors.

You do need to have a personal credit score of 530 or more to qualify. Also you should have at least $120,000 in annual revenue and have been in business for at least three months.

StreetShares

If you have a new business, StreetShares is a good option to explore. The lender requires a minimum of one year in business and $25,000 in annual revenue. But even if you have been in business for only six months and you can qualify with $100,000 in revenue.

You need to have a minimum personal credit score of 600 or more and a strong cash flow to be eligible.

Dealstruck

Dealstruck is a good option if you are looking for different loan products. The lender offers a term loan for expansion, an asset-based line of credit for businesses with unpaid invoices and an inventory line of credit for businesses that have recurring inventory purchase requirements.

To qualify, you need to have a minimum credit score of 600, although company CEO Ethan Senturia has said that the company accepts scores in the 500 range. You also need at least $150,000 in annual revenue and need to have been in business for at least a year.

A bad credit score may create problems for you when you try securing funds for your business, but it shouldn t stop you from exploring options. You need to understand your needs and look for options that meet your requirements.

Shubhomita Bose is a Staff Writer for Small Business Trends. She covers key studies and surveys about the small business market, along with general small business news. She draws on 8 years of experience in copywriting, marketing and communications, having worked extensively on creating content for small and medium sized enterprises.

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How to Get a Credit Card With an ITIN #how #to #get #people #to

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How to Get a Credit Card With an ITIN

An individual taxpayer identification number (ITIN) is issued by the Internal Revenue Service for people who need to process taxes but aren t eligible for a Social Security number. While ITIN numbers were originally intended for the sole use of the IRS, many businesses such as banks are choosing to use them as a legal form of identification to open banking and credit accounts. Most banks will offer unsecured credit cards only to individuals with ITIN numbers who have already established a good banking history with them. However, anyone with an ITIN number is eligible to get a prepaid credit card regardless of credit history.

Prepaid credit cards have the Visa or MasterCard logo just like a regular credit card.

Step

Enter prepaid credit card into an online search engine and press Enter.

Step

Search through the terms and conditions of some of the offered cards and choose the one you like the best. A couple of choices that come up are AccountNow and Green Dot. Let s use AccountNow for an example here.

Step

Click Sign Up Today – Free.

Step

Fill out the Tell Us About Yourself form. This form will ask for your name, address, telephone number and email address.

Step

Click the box saying you agree to the terms and conditions and click Submit.

Step

Choose how you want to fund your card. You can choose to deposit your money by direct deposit, at a retail location or through an online transfer from another account.

Step

Enter your ITIN number, your date of birth and your telephone number and click Submit.

Step

Wait for your instant approval. Your application will be processed immediately, and you will be told if you were approved.

Step

Wait for your welcome packet. The packet along with your new credit card will arrive in the mail in approximately five to seven business days. Your welcome packet will also contain instructions for setting up the funding for your new card for the first time.


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Best university in USA to do MBA? Requirements to do MBA from USA? #best,university,usa,do,mba,requirements,do,mba,usa,university,

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Re: Best university in USA to do MBA? Requirements to do MBA from USA?

MBA from USA is a good option, To do MBA from USA has more importance than from other country.

Here is a list of top universities for MBA is USA :

Purdue University Calumet Instructional Technology Graduate Programs Hammond, Indiana

Millikin University, Decatur Decatur, Illinois

University of Richmond Richmond, Virginia

Loma Linda University School of Nursing, San Bernardino County San Bernardino County, California

University of Kentucky Lexington, Kentucky

The University of Arizona Graduate School, Tucson Tucson, Arizona

University of Massachusetts Online (UMassOnline) Boston, Massachusetts

To take admission in one of these colleges you have to appear in GMAT exam which stands for Graduate Management Admission Test The maximum marks in this exam is 800 and score card is valid up to 5 years.

In GMAT there are 2 section which is given below :

The quantitative section consists of 37 multiple choice questions, which must be answered within 75 minutes
The verbal section consists of 41 multiple choice questions, which must be answered within 75 minutes also

And you have to score more than 700 like Harvard Business School’s average is around 720.
For more information visit the official website.
Good Luck.

I wanted to know which is the best university in USA to do an MBA.What are the requirements to join there and how much does it cost and what are the various modes that we can apply? If we are working in USA can we do a part time MBA there??

To join any University outside India You have To appear For G-MAT Entrance Examination, On the Basis of Your G-MAT score. You can Choose various top B-schools Around the Globe.

Eligibility Criteria For G-MAT is Same as For other Entrance Exam For MBA in India, Like Educational Qualification for G-MAT is minimum 3 -year Bachelor Degree course ,
Final Year student can also apply for the above Entrance Examination.But there are some other Criteria’s too like you should have some work Experience like 2-3 years. Though some US universities accept students without any work experience,But preference is generally given to Applicants having work experience.
Applicants also are required to take either the IELTS or TOEFL for admission to MBA program in Australia.

Top B-Schools in USA
Duke University (Fuqua) (NC)
Columbia University (NY)
University of Chicago

Harvard University (MA)
Stanford University (CA)
University of Pennsylvania (Wharton)
Northwestern University (Kellogg) (IL)
Yale University (CT)
Massachusetts Institute of Technology (Sloan)


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Application for Naturalization #naturalization, #naturalization #application, #apply #for #citizenship, #application #for #citizenship, #citizenship #application,

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N-400, Application for Naturalization

USCIS
Attn: N-400
131 S. Dearborn, 3rd Floor
Chicago, IL 60603-5517

2. Applications from Current or Former Members of the Military, Spouses of Current Members of the Military, and Close Relatives of Deceased Members of the Military

File your application at the location listed below:

USCIS
P.O. Box 4446
Chicago, IL 60680-4446

For FedEx, UPS, or DHL deliveries:

USCIS
Attn: Military N-400
131 S. Dearborn, 3rd Floor
Chicago, IL 60603-5517

E-Notification. If you are filing your Form N-400 at one of the USCIS Lockbox facilities, you may choose to receive an e-mail and/or text message notifying you that your application has been accepted. You must complete Form G-1145, E-Notification of Application/Petition Acceptance, and clip it to the first page of your application. To download a copy of Form G-1145, including the instructions, click on the link at the top of the page.

Filing Tips for Form N-400, Application for Naturalization

Complete all sections of the form. The form will be rejected if these fields are missing:

  • Part 1 – Information About Your Eligibility
    • Select only one box or your Form N-400 may be delayed
  • Part 2 – Information About You
    • Current Legal Name
    • Date of Birth
    • Country of Birth
  • Part 5 – Information About Your Residence
    • Current Physical Address

Sign the form at Part 13, Item Number 3. Applicant’s Signature. The fillable version of Form N-400 now includes a “Don’t forget to sign!” message and an arrow pointing to the signature box as a reminder for when you print the completed form for mailing. If there is no signature in Part 13. USCIS will reject the form and return it for correction and re-filing..

3. Create a USCIS online account for N-400 Applications

Beginning April 13, customers who submit the revised Form N-400, Application for Naturalization (dated March 26, 2016) may be invited to create a USCIS online account to track and manage their case online depending on how their form is processed.

If you submit the revised Form N-400, you may receive a USCIS Account Acceptance Notice in the mail with instructions on how to create a USCIS online account. USCIS will continue processing your application even if you choose not to access your online account. USCIS also will continue to send you copies of notifications about your case by mail through the U.S. Postal Service.

Having a USCIS online account allows you to:

  • Check the status of your case;
  • Receive notifications and case updates;
  • Respond to requests for evidence; and
  • Manage your contact information online, including updating your address.

If you are an attorney or accredited representative, you can also create a USCIS online account, which will allow you to manage all of your clients’ Form N-400 applications in one place.

Note for Attorneys and Accredited Representatives. You should have only one USCIS online representative account. When you receive an Account Acceptance Notice for a paper form filed at a USCIS Lockbox on behalf of your client, please ensure that you enter the same personal information that you provided on the Form G-28 submitted with your client’s original application, petition, or request. If the information you use to access your online representative account does not match the information you provided on the Form G-28, you may be unable to access your client’s case.

At this time, you cannot submit Form N-400 applications online.

Use the online help form to contact our Customer Contact Center if you need assistance with:

  • Technical issues with your USCIS online account;
  • Forgotten user ID or password reset for your USCIS online account; or
  • Information about your USCIS application.

Filing Fee

$640. (Add the $85 biometric fee for a total of $725, where applicable. See exceptions below.) You must make your check payable to Department of Homeland Security. Fees are accepted in the form of a money order, personal check, cashier’s check, or credit card payment using Form G-1450, Authorization for Credit Card Transactions.

  • Applicants 75 years of age or older do not need to pay a biometric fee. They only need to pay the $640 filing fee.
  • No fee is required for military applicants filing under section 328 or 329 of the INA.

Special Instructions

  • Read A Guide to Naturalization (Form M-476) carefully before filing this form. The Form N-400 instructions often refer to information in the Guide, and it provides important information about citizenship eligibility requirements and processing procedures.
  • Biometrics. Individuals who file Form N-400, Application for Naturalization, and later appear at the Application Support Center (ASC) for biometric capturing are required to submit to a photograph and signature process. If USCIS determines you are eligible for naturalization, this photograph taken at the ASC may be digitally placed on your Certificate of Naturalization. Therefore, USCIS recommends that on the day of your ASC appointment, you dress in clothing that is acceptable for display on your Certificate of Naturalization. USCIS will not reject a photograph for use on your Certificate of Naturalization or issue a replacement certificate based solely upon your desire to modify the photograph shown on your certificate.
  • Download the form. This version of the Form N-400 is available above in two files – the instructions and the form itself. We recommend that you download the form directly to your local computer instead of completing it on your web browser.
  • Attorney or representative. You may be represented, at no expense to the U.S. government, by an attorney or other duly authorized representative. Your representative must submit Form G-28, Notice of Entry or Appearance as Attorney or Representative, with your Form N-400. Your representative may also submit Form G-28 at the time of your interview.

ADDITIONAL INFORMATION

TOPICS

ADDITIONAL TOPICS


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Compare Business Credit Cards – Apply Now #business #credit #cards, #small #business #credit #cards,

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Business Credit Cards

Review the latest offers and find the right card for your growing business. Compare the latest small business and corporate credit offers from our partners to find the one that can help you keep your company’s expenses on track and give you the buying power you need. Some business cards also reward you in the form of cash back or miles. Learn more in these articles and tips on credit cards for small business.

See offers from our partners below.

at Capital One s
secure site

Credit Needed
Excellent, Good

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don’t expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
  • See additional Capital One� Spark� Cash for Business details

at Capital One s
secure site

  • Special Offer: Earn 20,000 Membership Rewards points after you spend $3,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • 0.0% introductory APR on purchases and balance transfers for 12 months, then a variable rate, currently 11.99%, 15.99% or 19.99%
  • The variable APR rate is based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See additional The Blue Business Plus Credit Card from American Express details

at American Express s
secure site

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See additional SimplyCash Plus Business Credit Card from American Express details

at American Express s
secure site

or call American Express at
866-474-2158

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Named “A Great Card for Small Businesses” Kiplinger’s Personal Finance, September 2016
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
  • See additional Ink Business Cash Credit Card details

at Chase s
secure site

A credit card account helps establish credit in the name of your business, which opens the doors to financial flexibility. It also gives you a centralized payments channel, making expense tracking a breeze. Plus, keeping your business finances separate creates advantageous situations, such as calling interest payments a qualified business expense. So, which card is best for your business? Consider the following factors, and you ll be on your way to a well-informed decision:

Balancing act
Like many cards, you should have an idea of whether or not you will carry charges month-over-month. If you will, look for cards with lower interest rates. Some business credit card may offer 0 percent introductory offers as well. On the other hand, if you pay charges off in full every month, you ll want to look for the card with the most benefits.

Rewards for your spending
You ll also want to look into potential rewards offers on these cards. Start by examining your expenditures. Take a close look at items such as phone services, internet and office supplies. Make sure you choose a card that rewards you for purchases of those regular necessities. Fly a lot for your business? Find a card that offers a sign-up bonus or a strong miles earnings rate. Do you have clients to entertain for nights on the town? Find a card with strong restaurant rewards. Are you driving around town to get things done? Consider a gas card.

Those who aren t sure where to start, or who don t have excessive spending in any one category, can find cash back offers ranging from 1-5 percent. Some of these cash-back benefits may apply to certain categories only, so knowing what you spend the most money on will help you maximize those rewards.

Fees and other fine print
Cards with 0 percent APR deals can come in handy for those owners who need to make a substantial business purchases but aren t sure how to finance it. Another consideration is whether you can get additional cards for employees, preferably at little to no cost to you as the owner.

When it comes to the issue of fees, it s important to do the math and see if the potential rewards outweigh the costs.

Finally, near the end of the decision-making process, consider fringe perks. Certain cards can give you access to travel lounges, early flight boarding and free checked baggage.

Want more information?
Our business credit card reviews can help you compare offers to find the one that best suits your needs.

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.

Please enable JavaScript to view the comments powered by Disqus.


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Apply for a business licence #business #day


#business licence

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Get a business licence

If you want to carry on business in the City of Vancouver, you need a business licence.

Types of businesses that require licences

  • Commercial and industrial business: A business based within a building located in a commercial or industrial area of the City of Vancouver as defined in the Zoning and Development Bylaw
  • Home-based business: A business based in a dwelling located in a residential area in the City of Vancouver as defined in the Zoning and Development Bylaw
  • Out-of-town business: A business being carried on in the City of Vancouver, but with the business office located outside of Vancouver

Only the business owner is required to get a business licence. Employees do not need to get individual business licences.

Types of businesses not allowed in Vancouver

A person cannot apply for a licence for any business described in Schedule A of the Business Prohibition Bylaw.

How to apply

You can apply for a business licence:

Additional requirements

Include a copy of the business owner’s current, government-issued photo ID with your business licence application.

Is a representative applying for the licence?

They must also submit a copy of:

  1. Their own current, government-issued photo ID
  2. A letter of authorization from the business owner

Is your business limited or incorporated?

You must also submit a copy of:

  1. The provincial or extra-provincial certificate of incorporation issued by the BC Corporate Registry
  2. The company’s list of directors

A federal certificate of incorporation issued by Industry Canada won’t be accepted.

Do you need other approvals before you get your business licence?

You might require other approvals before your business licence is approved:

Zoning approval

Depending on the zoning of your proposed business location, your business may or may not be permitted. Or your business may only be permitted after a Development Permit is obtained.

Building approval

Staff at the Occupancy or File Research Counter will review the property. A Building Permit or a Special Inspection may be required.

Licence approvals

Before your business licence is issued, you may require other approvals from the Police, Fire, or Health Departments.

  • Environmental Health. Any food-related businesses must have an inspection completed and approved by Vancouver Coastal Health.
  • Fire. Some business licence categories will require certificates from the Vancouver Fire Department.
  • Police. If police approval is required, you will need to go directly to the Vancouver Police Department (VPD) located at 2120 Cambie Street to apply for a Police Information Check (PIC). For more information on the VPD’s location, hours of operation, fees, how to apply and how long it will take, please visit the VPD’s website. For more information on business licence applications that may need police approval, please contact the Development and Building Services Centre.
  • Province of BC. Some business licence categories will require certificates from the Province of BC.

Engineering approval

Businesses must have waste disposal set up for garbage, recycling, and green waste.

Timeline

If all requirements and approval have been met, this is when you can expect to have your business licence issued:


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How to Apply for a Minority Business Grant (with Pictures) #business #partner #wanted


#minority business grants

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How to Apply for a Minority Business Grant

Minority-owned business grants are meant to help small businesses that are owned by members of minority populations who are considered to be socially or economically disadvantaged. These grants can be used to expand businesses or help a business develop new technologies or training practices. In order to qualify for a minority-owned business grant, your business must be at least 51% owned and operated by individuals from a minority population and must meet any specific eligibility criteria set forth by a grant.

Steps Edit

Part One of Three:
Becoming Certified as a Minority-Owned Business Edit

Meet the criteria for Minority Business Enterprise Certification (MBE). In order to qualify for many minority-owned business grants, you must first demonstrate that you meet the criteria for and MBE. One way to ensure that you qualify is to be certified as an MBE by the National Minority Supplier Development Council (NMSDC). [1] Certification significantly helps MBEs gain access to government contracts and grants. [2] In order to be certified, you must meet the following criteria:

  • You must be a U.S. citizen.
  • Your business must be at least 51% minority-owned operated and controlled. The NMSDC considers a person to be a member of a minority group if they are at least 25% Asian, Black, Hispanic or Native American. For publicly owned companies, at least 51% of the stock must be owned by one of more minority group members.
  • Your business must be for profit and located in the U.S. or one of its territories.
  • The management and daily operations of your business must run by the minority ownership member. [3]

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Collect business documents. Depending on the type of business entity, you may need to provide business documentation including, but not limited to:

  • Partnership agreements.
  • Cancelled checks from the business.
  • Business Meeting Minutes.
  • Articles of Incorporation.
  • Bylaws.
  • Corporate Banking Agreements.
  • Business lease information.
  • Proof of citizenship.
  • Proof of business insurance. [4]

Complete an online application. In order to become certified as an MBE by NMSDC, you must complete an online application located at http://www.nmsdc.org/mbes/mbe-certification/ The certification application may require the following information:

  • Name and contact information for the business.
  • Description of business’ products and/or services.
  • List of owners and shareholders.
  • Description of the type of business and business history.
  • Information about employees, including the number of minority employees.
  • Business owner information, including race/ethnic origin, gender, citizenship, and their role in the business.
  • Financial information about the business.
  • List of customer references. [5]

Pay your certification fee. In order to become a certified or recertified MBE, you must pay a certification fee that is linked to the region in which you live. The certification fees range from $350-$1200. In order to find the appropriate region for your business visit NMSDC’s website at http://www.nmsdc.org/mbe-certification/. The certification process can take up to 90 days.


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You Can Apply for These Small Business Loans with Bad Credit #turnkey #business


#business loans for bad credit

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You Can Apply for These Small Business Loans with Bad Credit

Small business owners are often turned away by lenders when they have poor credit. That’s because a bad credit score implies you have not managed your finances properly in the past.

Luckily, it’s possible to secure small business loans with poor credit.

A number of alternative lenders are offering loan solutions for bad credit today. These lenders place more importance on the operating history and strength of your business. In other words, they do not focus solely on your credit score when they consider your loan application.

Here are some loans for bad credit options worth exploring.

Small Business Loans with Bad Credit

Kabbage

The best thing about Kabbage is that it does not require a minimum credit score to qualify. It does, however, check your credit history. If you are looking for some short-term working capital, Kabbage is worth trying. You can borrow from its line of credit and repay on an as-needed basis.

To qualify, you should have minimum annual revenue of $50,000 and have been in business for at least a year. You must also have a business checking account, bookkeeping software or an online payment platform.

It takes only a few minutes to complete the online application process and if approved you can get funds in just a couple of days.

Fundbox

Fundbox does not have a minimum credit score or minimum annual revenue requirement. Instead, it takes the value of your invoices and ability to repay the loan into consideration.

Funding is prompt and takes up to just three business days.

To qualify, you must use bookkeeping software or online accounting that can link to Fundbox and have a minimum of six months’ activity in one of these software applications.

OnDeck

OnDeck offers both term loans and lines of credit. You can go for the term loan if you are looking for some quick cash to expand. If you want to manage your cash flow and working capital, a line of credit is your best option.

To qualify for OnDeck’s term loan, you must have a personal credit score of 500 or higher. For a line of credit, your personal credit score should be at least 600.

Once you complete the online application process, you’ll get a decision within a few minutes and funding as soon as the following day.

Interestingly, OnDeck reports your payment activity to the three credit bureaus, which means paying off your loan on time can boost your credit score.

BlueVine

If you lack collateral, have poor credit and unpaid invoices, you may consider BlueVine. The lender offers an advance based on the value of your invoices. Approval is based on the strength of your cash flow and the financial strength of your debtors.

You do need to have a personal credit score of 530 or more to qualify. Also you should have at least $120,000 in annual revenue and have been in business for at least three months.

StreetShares

If you have a new business, StreetShares is a good option to explore. The lender requires a minimum of one year in business and $25,000 in annual revenue. But even if you have been in business for only six months and you can qualify with $100,000 in revenue.

You need to have a minimum personal credit score of 600 or more and a strong cash flow to be eligible.

Dealstruck

Dealstruck is a good option if you are looking for different loan products. The lender offers a term loan for expansion, an asset-based line of credit for businesses with unpaid invoices and an inventory line of credit for businesses that have recurring inventory purchase requirements.

To qualify, you need to have a minimum credit score of 600, although company CEO Ethan Senturia has said that the company accepts scores in the 500 range. You also need at least $150,000 in annual revenue and need to have been in business for at least a year.

A bad credit score may create problems for you when you try securing funds for your business, but it shouldn t stop you from exploring options. You need to understand your needs and look for options that meet your requirements.

Shubhomita Bose is a Staff Writer for Small Business Trends. She covers key studies and surveys about the small business market, along with general small business news. She draws on 8 years of experience in copywriting, marketing and communications, having worked extensively on creating content for small and medium sized enterprises.

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How to Apply for a Minority Business Grant (with Pictures) #cool #business #names


#minority business grants

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How to Apply for a Minority Business Grant

Minority-owned business grants are meant to help small businesses that are owned by members of minority populations who are considered to be socially or economically disadvantaged. These grants can be used to expand businesses or help a business develop new technologies or training practices. In order to qualify for a minority-owned business grant, your business must be at least 51% owned and operated by individuals from a minority population and must meet any specific eligibility criteria set forth by a grant.

Steps Edit

Part One of Three:
Becoming Certified as a Minority-Owned Business Edit

Meet the criteria for Minority Business Enterprise Certification (MBE). In order to qualify for many minority-owned business grants, you must first demonstrate that you meet the criteria for and MBE. One way to ensure that you qualify is to be certified as an MBE by the National Minority Supplier Development Council (NMSDC). [1] Certification significantly helps MBEs gain access to government contracts and grants. [2] In order to be certified, you must meet the following criteria:

  • You must be a U.S. citizen.
  • Your business must be at least 51% minority-owned operated and controlled. The NMSDC considers a person to be a member of a minority group if they are at least 25% Asian, Black, Hispanic or Native American. For publicly owned companies, at least 51% of the stock must be owned by one of more minority group members.
  • Your business must be for profit and located in the U.S. or one of its territories.
  • The management and daily operations of your business must run by the minority ownership member. [3]

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Collect business documents. Depending on the type of business entity, you may need to provide business documentation including, but not limited to:

  • Partnership agreements.
  • Cancelled checks from the business.
  • Business Meeting Minutes.
  • Articles of Incorporation.
  • Bylaws.
  • Corporate Banking Agreements.
  • Business lease information.
  • Proof of citizenship.
  • Proof of business insurance. [4]

Complete an online application. In order to become certified as an MBE by NMSDC, you must complete an online application located at http://www.nmsdc.org/mbes/mbe-certification/ The certification application may require the following information:

  • Name and contact information for the business.
  • Description of business’ products and/or services.
  • List of owners and shareholders.
  • Description of the type of business and business history.
  • Information about employees, including the number of minority employees.
  • Business owner information, including race/ethnic origin, gender, citizenship, and their role in the business.
  • Financial information about the business.
  • List of customer references. [5]

Pay your certification fee. In order to become a certified or recertified MBE, you must pay a certification fee that is linked to the region in which you live. The certification fees range from $350-$1200. In order to find the appropriate region for your business visit NMSDC’s website at http://www.nmsdc.org/mbe-certification/. The certification process can take up to 90 days.


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