Reklami Thu, 24 Nov 2022 00:49:08 +0000 en-US hourly 1 Reklami 32 32 Five best consumer credit stocks to buy now in November Thu, 24 Nov 2022 00:49:08 +0000

The end of the third trimester is fast approaching, so it’s time to take stock of your finances. If you need a little help managing your money, then these four best consumer loans shares to buy now in September could be just what you need. These companies produce products and services that help consumers better manage their money. They also all have a long track record of success, which is always a good sign. Read on to learn more about these great stocks and why they’re perfect for your portfolio right now.

Synchrony Financial

Synchrony Financial (SYF) is a wholesale lender that provides financing and credit products to retailers and other customers. The Company’s products and services include private label credit cards, store cards, installment loans and online loans. This makes Synchrony Financial a major asset for consumers, as it offers products that are more flexible and tailored to specific needs than credit from a traditional bank. The company also serves as a lender to other finance companies, so it has many sources of recurring revenue. revenue to keep it profitable and growing. Synchrony Financial is also a good choice for investors as it has a long track record of success. It was created in 2001 as a spin-off from General Electric’s credit card business, and it has been an industry leader ever since.

American Express

American Express (AXP) is one of the best known and most respected credit card issuers in the country. The company has a more exclusive customer base than some other credit card companies, but that also makes it more appealing to customers willing to pay higher annual fees for better rewards. American Express is a leader in the card industry credit since the late 19th century, when it was founded as a mail-order retailer. In the 1950s the company began issuing cards to customers and quickly became a household name. Since then, American Express has remained the top choice for customers and now offers a variety of credit card products for just about everyone. The company also has a reputation for keeping customers informed about their account and customer service, which is always a plus.


Visa (V) is one of the world’s most recognizable brands and one of the leading payment service providers. The company has a long history of partnering with financial institutions, retailers and government agencies to provide secure and convenient payment methods to customers. American Express, Capital One, Chase, Citigroup, Walmart and many other large companies all use Visa’s service to process payments made by customers by credit card, debit card or other electronic payment method. The company’s services are almost essential for any retailer or other business that accepts credit or debit card payments. This means that Visa has a solid position in the market and offers many opportunities to continue to grow and develop its business.

Mastercard Inc.

Mastercard (MA) is another great credit card and payment processing company with plenty of room to grow. The company is also involved in other types of payment processing, such as cash advances and direct deposits. Mastercard is an excellent company for investors to consider. The company has a long track record of success, and it has plenty of room to continue to grow and expand its business in the years to come. Mastercard is also a decent choice for consumers who want or need to make credit and debit card payments. The company offers a variety of credit and debit cards to suit different needs and lifestyles.

Discover financial services

Discover Financial Services (DFS) is a leading credit card company and a major player in the electronic payment processing industry. The Company’s services are available at a wide range of outlets and also offer cash advance services to customers. For many people, a Discover credit card is probably the first and only card they’ve ever had. The company has a long history of providing financial services to clients, and it has a solid reputation for doing so. Discover is also a great choice for investors. The company has a long track record of success and plenty of room to continue to grow and expand its business. Discover also has a strong market position and plenty of opportunities to continue to grow and expand its business.

At the end of the line

These four best consumer credit stocks to buy now in September are all leaders in their respective sectors. Every business has a long track record of success, and they all have plenty of room to continue to grow and expand their business. These stocks are also relatively low risk, making them excellent choices for any investor. If you’re looking for a boost for your portfolio, these consumer credit stocks could be the perfect match.

Waitrose changes Christmas advert after being criticized for ‘glorifying’ tanning Wed, 23 Nov 2022 15:50:32 +0000

Waitrose has updated its Christmas advert for this year to remove a clip which showed two farmers comparing their tans after being criticized by a skincare charity.

The ad, which premiered on November 16, followed farmers throughout the year as they grew and harvested food for Christmas.

The previous version of the ad showed two farmers passing each other on their tractors, each of them lifting their sleeves to show off the tan on their arms.

The advert was criticized by skin cancer charity Melanoma UK, who said the scene glorified tanning and failed to highlight the dangers of sun exposure.

The charity wrote on Twitter: “Waitrose can do better than this.”

“Many organizations have used examples of tanning in their advertising. Unless they do it responsibly and warn of the dangers of overexposure to the sun, they should stop it.

The short scene has now been removed from the advert days after Waitrose issued an apology.

A spokesperson for the supermarket said: ‘Our advertisement celebrates the care and effort that our partners and real farmers – who work in all weathers – put into ensuring our customers have what they need to Christmas.

“While we’ve included some light-hearted and ‘true-to-life’ moments, we’ve listened to the comments made about the serious message of sun safety and will use an updated version of the ad to address those concerns.”

A woman with melanoma commented on Waitrose’s Facebook page that she finds it “absolutely amazing that a company like yours shows farmers glorifying their tan”.

“It’s a kick in the teeth for all melanoma patients and for all the organizations trying to educate everyone about the dangers of tanning. What the hell were you thinking of including that in a Christmas ad? Words fail me,” she said.

According to Melanoma UK, around 16,700 new cases of the disease are diagnosed each year in the UK. It is the fifth most common cancer in the UK and accounts for around 4% of all new cancer cases.

Top Vendors Report Says They Will Invest More in Technology in 2023 Tue, 22 Nov 2022 21:11:15 +0000

The pandemic has pushed many retailers towards e-commerce – and shoppers have become comfortable shopping online. Retailers are now taking a step back to re-evaluate technologies that will help retain existing customers and attract new ones. The 2023 Digital Commerce 360 ​​Leading Vendors Report includes survey data and case studies demonstrating how technology is helping retailers.

According to Digital Commerce 360’s digital technology survey, conducted from September to October 2022, three-quarters of retailers surveyed (76%) plan to increase their investments in technology to attract new customers and retain them in 2023.

The next question retailers need to ask themselves is whether to outsource the technology or build it themselves. According to the survey, 70% plan to outsource the task rather than trying to build a tech stack in-house.

What technology is important for retailers?

Online retailers are prioritizing technologies that will have the most impact. They want to automate wherever possible and learn how to decipher and use data to their advantage. It requires investment. Three out of four retailers plan to increase spending by 15% or less. Meanwhile, 39% expect they will spend 10.1% to 15% more.

When asked to specify their top priorities, nearly half (46%) said investing in an e-commerce platform was at the top of their list. Other priorities include customer relationship management technology (34%), online marketing (30%) and 27% cite content management and customer service software respectively.

Technology must be easy to implement and use

Learn how PacSun is modernizing its 15-year-old legacy enterprise software with updated technology to connect its online and in-store customer journeys, as well as update its shipping and fulfillment strategies. Digital penetration accounts for about 35% of the overall business, says CIO Shirley Gao. By deploying various technologies, PacSun seeks to reduce costs while providing the fast shipping time that customers expect.

It is important for more than half (54%) of retailers that any new software is easy to implement and use. Learn how Jen Partin, Senior Marketing Manager, Email and SMS, Hickory Farms, uses email software to automate and collect data on open rates. Hickory Farms online sales increased 59% in 2021 compared to 2019 before the pandemic. To capitalize on its newly acquired customers, Hickory Farms invested in software to minimize bounce rates. Bounce rates nearly tripled ahead of the holidays — its busiest time of the year — in 2021.

“You’re fighting for inbox space and sending four emails a day — and it’s December 12. You have to figure out how to get noticed,” Partin says.

Retailers want to automate wherever possible. Find out how technology is enabling retailers of all sizes to free up staff to tackle more complex tasks.

  • Case studies and interviews with retailers
  • Survey data showing which factors are most important to retailers when investing in technology
  • In-depth reviews of online advertising and marketing, social media, email, omnichannel, fraud, and affiliate marketing strategies

The 2023 Top Suppliers Report is available as a downloadable PDF for $399. It’s also included in our Gold and Platinum subscriptions, which provide full access to all reports published by Digital Commerce 360 ​​and select online retailer databases. Learn more here.

Follow us on LinkedIn, Twitter and Facebook. Be the first to know when Digital Commerce 360 ​​posts news content.


Ducktail tells new stories to hijack Facebook Business accounts Tue, 22 Nov 2022 15:50:05 +0000

After a series of operational setbacks, including the exposure of its tactics, techniques and procedures (TTPs) on the internet by WithSecure, the Vietnam-based cybercrime cartel Ducktail has been actively evolving its operations, seeking new methods to compromise its targets. and steal their Facebook business accounts.

The group used LinkedIn to conduct research on targets it believed might have access to Facebook Business accounts, then carried out phishing attacks against them, deploying new infostealer malware capable of taking over Facebook’s presence. of the target and use it. for purposes such as malware distribution, theft, misinformation and fraud.

Following the exposure of its activities, Ducktail implemented several changes to its modus operandi, prompting a return visit from WithSecure researcher Mohammad Kazem Hassan Nejad, who has been tracking the gang for 18 months.

“We don’t see any signs of an imminent downturn from Ducktail, but instead see them moving quickly in the face of operational setbacks. Until now, the operations team behind Ducktail was seemingly small, but that has changed,” he said.

Besides onboarding new recruits, Ducktail has developed new avenues to conduct its spear phishing attacks, including WhatsApp, which is also owned by Facebook parent company Meta.

It also made changes to the capabilities of its infostealer, coding a more robust way to retrieve email addresses controlled by attackers and making it more legitimate by giving it the ability to open dummy documents and video files. when launched.

It also improved its ability to evade detection by modifying the format and compilation of files and countersigning certificates.

Additionally, the gang continued resource development and operational expansion, establishing a number of fake businesses in Vietnam and establishing an affiliate model.

WithSecure said it had recently helped a number of victims of Ducktail and other threats targeting Facebook’s Ads and Business platform, with losses of up to $600,000 in advertising credits, pointing out that if Ransomware attacks attract a lot of attention, other threats can also be detrimental to an organization’s financial capital and brand.

Attacks leveraging Facebook can be additionally difficult due to the lack of separation between personal and work accounts, which potentially opens up additional avenues of risk, said John Rogers, global head of incident response at WithSecure.

“Using the same resources for individuals and business can be quite problematic. For example, investigating a possible Ducktail incident may require logs of an individual’s Facebook history, which can have many unforeseen operational, ethical and legal implications,” he said.

“This is an issue that concerns organizations and their employees, so they both need to understand the risks in these situations,” added Rogers.

Organizations can take a number of steps to protect themselves from such organizations.

These include staff training on spear phishing, particularly for users who may access Facebook Business accounts; applying application allowlists to prevent execution of unknown executables; deploy endpoint detection and response (EDR) solutions to detect malware before it does damage; Implement basic hygiene and protection for managed or personal devices used on Facebook Business accounts; and use private browsing to authenticate work sessions when accessing Facebook Business accounts.

Glow My Biz, Founded by Enzo Montana – An award-winning digital marketing agency that strives to benefit and help medical spas achieve growth and success Mon, 21 Nov 2022 20:50:21 +0000

The company specializes in delivering marketing ads for healthcare providers to help businesses grow

Glow My Biz, founded by Enzo Montana, is a highly reputable, award-winning digital marketing agency that helps healthcare companies attract new patients and gain recognition. Worked as an online marketing manager for almost eight years and an SEO specialist for more than ten years, Enzo Montana has acquired extensive experience in the field and has helped several companies, including medical spas, to gain exposure and stand out from the competition by providing high-end medical spa marketing. As a marketing strategist, he is passionate about creating personalized marketing strategies for companies with growth objectives.

Glow My Biz is a full-service online marketing agency that has earned solid credibility for delivering premium services and specializing in generating and converting new patients in the office. With over a decade of experience in marketing for medical practices, the company uses the most effective means to implement and generate the overall marketing plan, as well as marketing strategies for medical spas to help healthcare businesses grow exponentially.

“Glow My Biz is a full-service online marketing agency specializing in generating and converting new patients to your office. With over a decade of experience marketing specifically to medical practices, we know what works. , what doesn’t work, and the most effective ways to implement your overall marketing plan. We specialize in SEO, Google ads, and lead generation for specialty medical best practices,” says Enzo Montana, CEO of Glow My Biz.

The company is highly experienced and has the expertise to generate leads and sales within days from targeted social media ads to help businesses gain valuable recognition around the world. The company specializes in powerful pay-per-click search engine marketing by driving the ideal target demographic directly to businesses. Plus, in addition to specializing in lead generation and Google ads, Glow My Biz delivers ultimate online visibility and exposure through high-quality search engine optimization to support the medical spa marketing agencies to generate more traffic and views. The company’s SEO agency specialists create a custom SEO package to increase rankings and make a business stand out from its competitors.

Glow My Biz is one of the leading social media advertising agencies implementing the right advertising campaigns to create brand awareness and help businesses grow in their respective industries.

The founder adds, “We brainstorm to find the right keywords to target your business display, search and video ads. We manage your AdWords campaign to drive new visits to your website and increase lead generation.”

For more information, click on the website

About the company:

Glow My Biz is known for delivering top-notch medical spa marketing ads to build brand awareness and help businesses grow.

Media Contact
Company Name: Glow My Biz
Contact person: Enzo Montana
E-mail: Send an email
Call: 8889442288
Town: Atlanta
State: Georgia
Country: United States

3 Reasons The Trade Desk Is The Best Growth Investment Today Sat, 19 Nov 2022 13:59:00 +0000

Although the stock of The trading post (TTD -0.58%) lost 48% so far this year due to a dire macro economy slowing its ad tech (adtech) business, its latest earnings report revealed why many consider it one of the best companies in growth.

Here are three reasons why The Trade Desk is the best growth investment today.

1. Dominant performance in a bear market

Before The Trade Desk released its latest earnings report on Nov. 9, investors were worried as recent reports from other ad-linked companies showed a sharp decline in revenue due to a weakening economy. . Most painted a grim picture of the ad market, from big ad platforms like Metaplatforms to small advertising sites like Instantaneous. Alphabet‘s Google saw its advertising revenue in Q3 2022 drop to 2.5% year-over-year growth from 43% year-over-year growth in Q3 2021.

But The Trade Desk had good news for investors, producing 31% revenue growth in the third quarter of 2022 – a sign that it is outperforming its peers and grabbing market share. And unlike some competitors, the company has a long history of profitability and positive free cash flow.

Image source: The Trade Desk.

It produced third-quarter 2022 adjusted EBITDA (earnings before interest, taxes, depreciation and amortization) of $163 million, with a margin of 41%. Additionally, its trailing 12-month free cash flow of nearly $485 million is up 53% from a year ago.

Finding much better financial performance from a tech company in this terrible environment is a fruitless endeavor.

2. The pace of CTV advertising is accelerating globally

As TV viewing rapidly shifts from traditional broadcast, satellite and cable TV to streaming content over the Internet on Connected TVs (CTVs), advertisers have followed these consumers to streaming platforms in continued.

Data collected by market data firm Statista shows an estimate that US ad spending on connected TV will grow from $14.2 billion in 2021 to $38.8 billion in 2026, an annual growth rate. 22% explosive compound. And there’s more. Until now, The Trade Desk relied on the United States and a few other English-speaking markets. However, according to CEO Jeff Green, CTV’s spending grew faster in most of its international markets than in the United States in the third quarter. CTV adoption is now a worldwide phenomenon, and not just in the United States.

The company is already signaling to investors that the next stage of growth is in Asia, as management held its third-quarter earnings call in Singapore. Asia is attractive to The Trade Desk because it combines the largest emerging middle class population with advertisers who need to reach these consumers via CTV, web and mobile. The best part is that the company has made early investments in Asia which should provide a bountiful harvest in the years to come.

3. Build your own solution to a problem

The key to effective online advertising is identifying the viewer so that advertisers can identify people who might be interested in their products or services. The problem is that old methods of identifying people online, like third-party cookies, violate people’s privacy, and powerful platforms like iOS, Chrome, and Android block ways to identify people who violate privacy. private life.

Google, for example, is ending the use of third-party cookies in 2024 over privacy concerns. While that sounds reasonable, Google is using cookie elimination to introduce a proprietary identity solution called Topics that blocks competing ad platforms from accessing valuable advertising data. To stay competitive, The Trade Desk needs its own high-performance open-source identity solution, and it thinks it has one with UID2.0, which converts email addresses into anonymized identifiers.

UID2.0 is also the foundation of The Trade Desk’s efforts to create one of the largest advertising data marketplaces in the world. Watch how UID2.0 progresses in the future as the success of this identifier is necessary for The Trade Desk to thrive. Management said it expects full market adoption in 2023.

Is the stock a buy?

The stock trades at a price-to-sales (P/S) ratio of 17.34, compared to the IT processing and cloud services industry’s P/S ratio of 3.57. So, investors value this stock more than its cloud peers because it has the best growth drivers and they expect more. Things look bright, and if you can handle today’s turbulent market, few investments have better prospects over the next five to 10 years.

Randi Zuckerberg, former director of market development and spokesperson for Facebook and sister of Meta Platforms CEO Mark Zuckerberg, is a board member of The Motley Fool. Suzanne Frey, an executive at Alphabet, is a board member of The Motley Fool. Rob Starks Jr holds positions in Alphabet (A shares) and The Trade Desk. The Motley Fool owns and recommends Alphabet (A shares), Alphabet (C shares), Meta Platforms, Inc. and The Trade Desk. The Motley Fool has a disclosure policy.

Hite Digital OKC offers effective digital marketing services to help your business thrive Sat, 19 Nov 2022 04:58:56 +0000

Keagan Henson is the owner of Hite Digital Oklahoma City. After seeing how essential marketing is to a business and how powerful it can be when done regularly with the right team, Keagan discovered that nothing is more effective than a tailored strategy for your business implemented by a high-performance team.

At Hite Digital in Oklahoma City, they do more than launch marketing campaigns. They are truly invested in the growth and success of your business. Their team will work tirelessly to ensure that your campaigns are successful and that you achieve the desired results.

Hite Digital OKC is the perfect solution for business owners and marketers who want to take a step back from developing large-scale campaigns and strategies. With Hite Digital, you can focus on what you do best and leave the marketing to them.

They offer various effective digital marketing services to help your business. One of the many premium services they offer is Search Engine Optimization in OKC. At Hite Digital, they understand that a brand new website has different requirements than an existing site when it comes to organic performance. Additionally, they identified 3 SEO stages: Visibility, Acquisition, and Conversion, which work as a clear path to help you not only drive more impressions to your site, but also convert those impressions into visits and conversions. Position your site to drive traffic and convert those visits into paying customers with search engine optimization services in OKC.

Do you need Facebook ads services in OKC? Do not worry; Hite Digital OKC has you covered. They will create high-converting Facebook ad campaigns that are sure to deliver results. With their experience and expertise in Facebook ads, they will know how to target your ideal customer and put your business in front of them.

Hite Digital is the trusted team for social media optimization in Oklahoma. They will help you create and implement a successful social media strategy that will help you connect with your target audience and grow your brand. With their social media optimization services in Oklahoma, you can rest assured that your social media presence is in good hands.

You can expect nothing less than high quality digital marketing services and results when you partner with Hite Digital OKC. They are truly invested in your success and will go out of their way to help your business grow.

Stop struggling to get results from your marketing campaigns. Hite Digital OKC will help you achieve the success you seek. With their experienced team and effective digital marketing services, they will help your business thrive. Visit their site to learn more at:

Contact Name: Keagan Henson


About Hite Digital Oklahoma City

Keagan Henson runs Hite Digital Oklahoma City. After starting and running several businesses over the past 12 years, Keagan discovered how vital marketing is to a business and how powerful it can be when done consistently with the right team. Nothing is more powerful than a strategy tailored to your business and executed with a high performing team.

How to make an online store? Fri, 18 Nov 2022 18:37:47 +0000

Creating online stores has become easier with the help of plugins, eCommerce builders, and other tools. Online shopping is popular when basic necessities have become more expensive.

Your business can be sustainable by creating an online store. However, you need to make sure that the product you select is right before starting an online business. Tools like Minea help you find the right product.

Minea is a social media search tool which allows you to select high profit products in your network. All in all, this will make it much easier to find products.

Users will more easily find the product they want. In this article, you will learn more about how to start an online business.


Steps to Launch an Online Store

1. Make the wisest choice of e-commerce platform

Online e-commerce platforms make it easy to create, manage, and process online stores. People often think of an online e-commerce platform as a website builder. They can add products or accept online payments.

Your e-commerce platform is used to run your business, from inventory to marketing. It also allows customers to shop online. A drag-and-drop online builder makes it easy to create your online store.

It is important to ensure that the platform you select offers 24/7 support. Shopify can help you build your website, migrate it from another platform, and provide ongoing support.

Customers should also enjoy frictionless checkouts. Buyers can purchase your products simply by using an e-commerce platform. Shopify can reduce the time it takes to verify. Shop Pay by Shopify makes it easy to pay online.

Shopify’s plugins allow you to accept payments in over 100 currencies. Hosting is required for online stores to be accessible. While many e-commerce programs include web hosting, some require third-party hosting.

2. Identify your target demographic and select the product

These people are the ones you are trying to reach. If you can find more customers and attract more buyers to the website, your conversion rates as well as your sales will improve.

It is possible, depending on your products, to build audiences of any size. Finding profitable products is the hardest part of starting a business. Dropshipping and reselling are great ways to find products.

3. Add and optimize products in the store

Organize your product pages by creating product descriptions that will sell. Also upload product images that make it easy to find products. The product description should address the customer’s problem, highlight key features, and provide benefits.

It is important to clearly define the audience of the product and the most important features. After that, you will need to add the product images in order to highlight what you are selling.

Make sure your product photos are professional. If you can afford it, you can also consider hiring a professional photographer. A good alternative is to hire a professional photographer.

If you have multiple products, be sure to add the product category. Categories make it easier and more intuitive to manage relationships between product pages.

For your catalog display to work properly, you must include product categories. This will make your inventory easier to find. Add filters to more easily narrow down your choices on product pages.


4. Promote your store

On line The advertisement is an option if your budget allows. It can be a cost-effective way to promote and grow your business. Google AdWords, Facebook Ads, and LinkedIn Ads are the best places to start this process.

It is essential to understand that Google Ads only works if you can identify the right keywords. Google Ads campaigns are most effective for products with high selling prices.

Analyzing your margins is a good way to make sure your ad costs aren’t eating up too much profit. Also, you can try different keyword combinations. AdWords, when used correctly, can be extremely powerful.

A Facebook ad is not the same as an AdWords ad. Facebook displays ads based on user interests, instead of displaying ads to people searching for keywords. Facebook ads are persuasive and allow for precise targeting.

However, if you abuse it, your account may be blocked. If you intend to buy Facebook ads, be sure to read their advertising policies carefully and follow them. It’s a good idea that you start by reading the Facebook advertising guide.

5. Design your online store

Next, design your online store. Many e-commerce platforms have web builders. These website builders will allow you to create an online store that meets your specific needs.

Many e-commerce website builders offer different vertically organized themes. This allows you to customize fonts as well as text sizes. It also lets you change the type of product listings and layout.

How can Minea help you grow your online store?

To make your online store successful, you need to find the most profitable and trending products. People often make bad choices because they lack the ability to select the right product.

But don’t worry, Minea is here to help. Minea allows you to browse social media ads and select highly profitable products. Minea allows you to monitor your competitors’ products and provides valuable insights.

The information you collect will allow you to decide which products to promote and which products to avoid. The Minea Chrome extension also helps online stores.

]]> Incumbent Speaker Nancy Pelosi to step down as leader of House Democrats Thu, 17 Nov 2022 17:43:25 +0000

Outgoing House Speaker Nancy Pelosi (D-Calif.) will step down from her leadership role after nearly two decades as the first Democrat in the House of Representatives, the San Francisco congresswoman announced Thursday.

Pelosi, who in 2007 became the first woman to serve as president, ended weeks of speculation about her future in the party, praising the institution of Congress itself as “hallowed ground” in a speech that would have been co-authored with renowned historian Jon Meacham. .

“With great confidence in our caucus, I will not be seeking re-election as the Democratic leadership in the next Congress,” Pelosi said, to applause from his House colleagues. She did, however, confirm that she would remain in Congress to represent her home district of San Francisco.

Pelosi’s pushback from the Democratic leadership comes as Republicans take a slim majority in the House after the 2022 midterms. In an interview with CNN’s Anderson Cooper earlier this month, the 82-year-old lawmaker years also cited the recent politically motivated attack on her husband Paul Pelosi as a factor in this decision, saying that “my decision will be affected [by] what happened the last week or two.”

As Speaker and Minority Leader, Pelosi has been instrumental in shaping the Democrats’ agenda over the past two decades, including helping pass President Barack Obama’s Affordable Care Act and overseeing the double impeachment of President Donald Trump.

As his party swings to a minority position for the upcoming term, Pelosi has picked Rep. Hakeem Jeffries (DN.Y.) as his successor, apparently working to ensure he doesn’t face a serious challenge to the leadership role. Without mentioning anyone by name, Pelosi acknowledged the moment as a transitional shift in his speech, saying “for me, the time has come for a new generation to lead the Democratic caucus that I respect so deeply.”

Financing options for small businesses Thu, 17 Nov 2022 16:56:40 +0000

Small businesses have unique needs that often stem from cash flow issues. They need money to start a new project, but they haven’t been paid yet for the last project. They can’t just close until their money comes in, so what can they do? There are many financing solutions available, such as eCapital small business financing that can help solve short-term and long-term financial problems. Here are some other commonly used solutions to consider.

Bank loans

The most obvious financing option for small businesses is a bank loan. Usually, this is how many small businesses start out because they often don’t have the capital to put their business in a place where they can start making money. But loans can also be a good option for both short-term and long-term cash flow problems, as long as you have the credit rating and collateral available to secure the loan.

With a traditional loan, you’ll often get fairly low interest rates and decent payment terms, but these can be hard to come by, especially after the last recession when financial institutions tightened their requirements.

Small business loans are a type of bank loan that caters specifically to businesses of a certain size. They are easier to obtain than traditional loans, but they require a lot of paperwork and can take a long time to materialize. They’re federally backed, so banks are more willing to lend to businesses with lower credit ratings than traditional loans, but you’ll still need to meet specific requirements to get the money.

Online loans are growing in popularity with small businesses, especially those with little or no credit. They also have a streamlined application process, which can be great for busy homeowners who don’t have time to sit down with a banker and fill out tons of paperwork. Applications can often be approved and the loan funded within 24 hours, but their interest rates are usually higher than traditional or small business loans, especially if you have poor credit.

Loans can be a good place to start looking for financing, but there are other options that might make more sense.

Factoring of invoices

Invoice factoring is a process where you sell your unpaid invoices to a factoring company at a reduced price (the factoring fee). The factoring company immediately pays you an advance on the balance and then works to collect the full balance from your customers. For example, suppose you have an outstanding bill for $10,000. A factoring company buys it and advances 90% of the total value, so you receive $9,000 upfront as prepayment. The remaining $1,000 is held in reserve until the invoice is paid in full. Once the factoring company receives the full invoice amount, they release the reserve and transfer the $1,000 balance due to your business account. Factoring costs are deducted either from the advance or from the reserve.

This financing option is a smart choice for small businesses that need cash fast. They can sell their invoices and get paid the same day, which can be essential for businesses that need to pay their payroll, pay their rent, or buy materials for the next project, whatever the cash needs. The best part is that the invoices are their collateral, so they don’t have to put up company assets to get the money they need.

Small Business Grants

Grants are basically free money, so if you can get a grant, take it. This money is set aside to help small businesses get established or grow and you don’t have to worry about paying it back. Non-profits, corporations, and governments typically source grants, and they are extremely difficult to obtain. This is because everyone loves free money and the competition for these grants is high, but also, applying for grants is hard work.

Often companies hire outside companies to write their grant proposals because the business owners may not have the skills to write a proposal that will persuade someone to give them money. So in this case you may have to spend money to get a lot more money. Be aware, however, that some grants require money to be spent on specific things, so you may not be able to use that money to solve cash flow problems.


A recent type of small business financing that has been successful for many businesses is called crowdfunding. This is where you try to get multiple investors to give your company money to put your idea or product into action. While this sounds like a good idea, and it’s a good idea if you can get a lot of people interested in your business, it still takes a lot of work to introduce yourself to the right people.

Depending on the amount of money you need to raise, a crowdfunding effort may be worthwhile. If you need a lot of money quickly, it may be best to try other options.


If you’re struggling with cash flow for your small business, try one of these financing options. Just be sure to weigh the pros and cons of each carefully to ensure that the one you choose will work for you.