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How to make extra money online

How to make extra money online, Do you know what’s easy? Knowing you need some extra cash in your pocket. All you have to do is look in your wallet or use your Credit card.

The not-so-easy part is figuring out how to make extra money.

These days it seems like everyone is working some side gig online—but how did they know what was out there and get up and running and steering clear of scams? Those are good questions. That’s why we’ve put together a list of ways you can make extra money online.

It’s time to put your money goals into action and earn some extra cash.

Also Read: How to make money without a job

Let’s get to work!

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    Tutor online.

Establishing your tutoring service can be a lucrative business that provides you with a comfortable and flexible lifestyle,” advises International Living. “The best part of all, you can set up a tutoring business in almost any country in the world.”

If you think being a tutor means you made straight A’s through high school and college, think again. It’s all about what you know and how well you know it. Online tutoring companies like Tutor.com, TutorMe, and Studypool hire tutors to share their knowledge with students on a wide variety of topics.

How to make extra money online

What you charge can depend on your experience, expertise, and what’s in demand.

Just make sure you’re careful when figuring out which tutoring gig to take. Some of the users on these on-demand tutoring sites are just looking for someone to write their essays or do their homework for them. So be wise when sifting through the postings.

  1. Test websites and apps

Another way to make money from home is on sites like UserTesting.com. You get paid for your thoughts on how sound — or not so healthy — certain websites and apps worked.

Every business hopes their website gives excellent information, hits their goals, and—oh yeah—makes money. But if something isn’t working, the company needs to know why, and many of them call on user experience testers to give feedback.

Are you good at knowing if a website is user-friendly just by spending a few minutes scanning the webpage? Companies like UserTesting will pay you for your feedback. Most of them boast that you’ll get $10 for each 20-minute test you complete.

  1. Online surveys.

An increasingly popular way for you to make money online is to fill out online surveys in your spare time. Research companies are always recruiting new members worldwide to answer surveys and test new products.

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You can make a couple of quid for a few minutes of form filling, which is paid as cash or rewards. For example, you can bag up to £3 ($5) for some surveys!

Look into survey sites like MyPoints, Survey Junkie, or Vindale Research, where you’ll get paid just for taking surveys and giving your opinion. It sounds like a pretty sweet deal, right? Just remember, these sites are looking for particular things when they pick people. So you might not qualify for every survey you come across.

Plus, you’ll have to finish a certain number of surveys before you can cash out your points. It’s not a get-rich-quick plan by any means, but that extra cash can still add up over time. If you’re the patient and persistent type, give it a shot!

  1. Offer your services as a virtual assistant.

If you’re organized, love a good challenge, and want to work from home, this may be the perfect opportunity for you! Plus, who doesn’t love a little variety in their workday? Chances are, most business owners could use your help as they try to find a better balance between their work and home lives these days. Check out sites like Upwork and Zirtual to find opportunities to start lending a hand.

How to make extra money online

  1. Become an influencer.

Get paid to post on social media! Yup—it turns out social media can come in handy. If you have a large following on social media platforms like Facebook and Instagram, or even your blog, you might consider becoming an influencer.

Whether it’s fashion, cosmetics, or home décor, you can become a go-to resource for businesses to get more even exposure on the internet. Just reach out to brands you love and let them know you’d like to work together!

  1. Become a social media manager.

Most companies have a social media presence. Not only is it free marketing, but it’s also a way to stay connected to their customers (or future customers) and build a following. But it can be a daunting task for smaller companies that don’t have many team members. That’s where you come in. If you have a knack for creativity, connecting with others, and knowledge of different social media channels—this might be right up your alley.

  1. Sell your photography

Do you have photos of gorgeous sunsets and perfectly staged lattes cluttering up your camera roll? Then, you can make extra money for your pictures without having to be a professional photographer.

Turn your photographs into cash via sites like Fine Art America, which lets you upload your images to sell as prints, T-shirts, phone cases, and more.

Keep in mind; there’s no guarantee that people will buy your photos. But even if you only sell a few, that’s some easy money for something you’ve already done.

  1. Get babysitting gig

Everyone from college students to recent retirees can make money by watching other people’s children.  It’s one of the easiest ways to make extra money! All you have to do is babysit for just a couple of nights a week. And it might be easier than you think to land a gig. Most parents are always eager to have a date night. But sometimes, finding a sitter, they trust can be tricky.

How to make extra money online

Let people in your friend group, church, and workplace know you’d be happy to watch their children in your spare time (they need to pay you, of course). And if it’s a little awkward for you to spread the news by word of mouth, you can always sign up for a service like Care.com to help you land some babysitting jobs.

  1. Become a Freelance Proofreader

Proofreading is another lucrative online career. “Most agencies will pay around 25% of the price of a translated document to a proofreader,” advises International Living. “Agencies charge about $75 for the translation of a five-page standard business document. So proofing the same document—which takes about an hour—pays out about $18 to $20.” You can work full-time, part-time, or around the clock.

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  1. Start a blog

If you’ve got something to say, chances are people might read it! The great thing about a blog is you can focus on nearly any topic you want to. If you’re a great cook, do a food blog. Or maybe fashion is your true love. If you’re passionate about fitness and nutrition, start a health blog. If you’re a blogger who gets decent traffic, you could make money by joining an affiliate network. Affiliates (that’s you) get paid when someone clicks through from 1 website to the partner site and buys something there.

  • Start your own (online) business.

If you’re looking for a quick way to make cash on nights or weekends for a short period, then maybe this one isn’t for you. But if you’re ready to turn your dream of starting your own business into a reality, there’s never been a better time to do it! Online platforms like Etsy, Amazon FBA, and Big Cartel have made it easier than ever.

  1. Turn Your Interests into a Podcast That Pays

“Podcasting doesn’t have to be complicated,” says International Living. With a microphone, laptop, and free recording software, you’ll be up and running. Plus, podcasts don’t need to run every day (once a week is best) and are better when short. There are several ways to make money from a podcast. The most obvious is commercial sponsorship, but you can also use it as a platform to advertise your products or services.

  1. Paid for searching the web

Are you interested in earning cash for doing what you already do online? This has to be one of the easiest methods of making money online without really any effort or change in your behavior.

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This innovative idea by Qmee.com rewards you for searching in Google, Bing, Yahoo, Amazon, and eBay. You install a simple add-on to your browser, and when you search, there may be a few sponsored results alongside your standard search.

Don’t Forget This Way to Earn Extra Money!

Now that you know how to make extra money online try a few of these or all and see if you can generate a nice little chunk of change.

And when you start bringing home that extra money, make sure you’re using it to its max potential.

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How to make money from onlyfans

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Making money “on the side” is excellent, especially when you can do it on your terms. That’s precisely what OnlyFans offers you, but you got to play the game right to win.

Are you ready?

Before I start, let’s look at what onlyfans is all about

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What’s Onlyfans

OnlyFans is a social media website where creators charge a monthly fee for “fans” to follow their account. After paying your subscription fee, users gain access to your feed, where they can view your exclusive content. Creators keep 80% of the money generated by their account, while the remaining 20% goes to OnlyFans.

It is entirely free to join, and some content is also free to join, but most require a subscription to the content creator’s Fan page.OnlyFans was established in 2016 but didn’t become popular until a few years later.

OnlyFans is very popular in the adult industry due to its general content policy. However, it also hosts successful content creators from other genres such as physical fitness and modeling.

Also Read: Meng Wanzhou Can Return To China, Admits Helping Huawei Conceal Dealings In Iran

Ways you can Make Money on OnlyFans.

If you haven’t already, it’s time to create your OnlyFans account and take a tour.

Now that you understand the basics let’s get detailed. How exactly does someone start making money on OnlyFans?

Well, you have to open an OnlyFans account first.

Head to OnlyFans.com and register with your Google or Twitter account.

Alternatively, you can sign up with your email address.

Next, click over to the profile page by clicking your icon on the right and hit “edit profile.”

It would be best if you were accepted by OnlyFans.

Making money on OnlyFans

Now that your OnlyFans account is entirely set up, now is the time to start posting content to your feed. Whenever a fan sees your Profile, they can see the number of photos, videos, audio, likes, and fans you have.

There are different ways to make money on OnlyFans, and they are:

Through Subscribers

Donations via Patreon

Amazon Wishlist

Tips on Your Posts

Custom and PPV Content

Using all 5 of these methods is the best way to maximize your earnings on the site.

Although many people make most of their money with subscribers, you might be surprised at the income potential in tips and custom content.

  1. Make Money on OnlyFans with Subscribers

This is the primary way to make money on OnlyFans. Fans will subscribe to your account to view your videos and posts.

You charge a monthly fee to subscribers, and in exchange, they get premium and exclusive content on your account.

The nice thing about the subscriber model is that you know the money you will have coming in on any given month, assuming that your subscriber list stays relatively stable or keeps growing.

You can set whatever subscription price you want, although you will want to do some research before you place your price.

onlyfans

Also Read: Credit risk insurance companies for you

You will keep 80% of the money generated by your account, and OnlyFans will take the remaining 20% as their cut.

To set your subscription price, head to Profile> Subscription Price and BundlesBy default, your subscription price is set to “Free,” and the minimum subscription price you can set is $4.99.

The majority of OnlyFans creators have their subscription rates set at $9.99 a month.

Before you set yours, it is worth taking some time to check out OnlyFans accounts in the same niche as you to see what the “going rate” is.

You might find that having a lower subscription rate with more followers gives you a better income than a high rate but humble followers.

By default, your subscription price is set to “Free,” and the minimum subscription price you can set is $4.99.

  1. Add Your Amazon Wishlist To Your OnlyFans Account

The third way to make money with OnlyFans is to create an Amazon wish list and add it to your Profile.

Just head to your Amazon account and add items to a wish list. They could be related to your accounts topic or just random things you would like.

Also Read: Best Books You Need To Read As An Entrepreneur

You might be surprised at how many people will purchase you “gifts” from your Amazon wish list on OnlyFans.

Then copy and paste the link into your OnlyFans Profile.

It will then appear on your homepage for your fans to click on.

  1. Make Money with Tips On OnlyFans

Fans can tip you on posts, live videos, and private messages.

You can request tips, but financially, you are probably better off converting fans to subscribers for guaranteed income.

Most OnlyFans Creators have a “Tip Menu” with suggested prices and tips that people can give.

  1. Make Money with PPV and Custom Content on OnlyFans

The last way to make money with OnlyFans is with custom content and PPV material.

This is usually facilitated through private messages and paid through the Tip feature.

Fans can request custom videos that they pay for, or you can offer extra PPV material to their subscription.

To give fans an idea of what custom content can request, you can create a tip menu.

How much can you Make On OnlyFans?

There seems to be no absolute limit to how much you can make on OnlyFans.

Not that it’s easy…

Most OnlyFans creators have their work cut out for them, with the average profiles made from approximately $100 to $3,000 monthly. While you can make a lot of money here, it all comes down to marketing and branding, but more on that later.

It’s also worth mentioning that how much you can make on OnlyFans varies from month to month. Some creators post huge profits one month and smaller profits the following month.

The key to making money on OnlyFans is promoting your page off-site and taking advantage of the different ways to make money.

Also Read: 8 Best CMS Software For You

How Quickly Can You Make Money On OnlyFans?

Let’s be honest here. You are not going to make money tomorrow on OnlyFans if you start today.

onlyfans

It takes time to build your followers list and get paying subscribers. That being said, it is not unheard of to make money within a month or two on OnlyFans if you dedicate your time to heavy promotion in all the places I mention further down on this post.

Marketing Tips and Tricks for OnlyFans Accounts

There are thousands upon thousands of OnlyFans content creators who want to make money on OnlyFans.

It’s a high bar!

Fans, on average, have only a small amount of disposable income to give, which means they need to be very selective in regards to which OnlyFans account(s) they subscribe to. If your content isn’t good enough, fans will unsubscribe and follow someone else instead.

A crucial part of succeeding and making money on OnlyFans, then know how to retain your existing customers:

Post Consistently

If your wall is practically bare because you hardly post anything, fans will think they’re getting no value. They may also start to assume that you’ve given up or lack the effort.

Also Read: WordPress Hosting 6 Tips It’s Better Than Shared Hosting

Interact and Engage

One of the reasons a large portion of fans subscribe to profiles is to interact with the creator.

It’s just nice to have a personal touch and know that you’re valued by the person you’re giving money to. And while it’s impossible for you as the creator to respond to all private messages, you must interact and engage as much as possible.

Create Custom Content

The beauty of OnlyFans is that followers can interact with content creators and request customized photos and videos.

This makes it very different from a traditional porn site, and because your subscribers want this kind of personalization, you must give it to them.

Be a Tease

Got some great content planned? Then post a teaser letting your fans know about it!

This is a great way to elicit their curiosity and keep them subscribed. However, it’s also super important that you underpromise and over deliver when teasing future content, not the other way around!

Offer Discounts

If someone is a loyal fan who’s been sending you tips, it’s a brilliant idea to reward them with discounts. This could include “X amount” off their next monthly subscription, as well as accessible and exclusive content to keep them coming back.

Also Read: 8 Best Website Builders For You

Conclusion

OnlyFans is a great way to make money online if you have exclusive content to offer your fans. Remember to post consistently and interact with your fans to maintain your subscriber count.

I hope you found this guide helpful; if you know anyone who runs an OnlyFans account or plans on creating one, feel free to share this guide with them.

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Learn How Microsoft Excel Can Power Your Business

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If you were to hire for just about any position and sifted through dozens of resumes, the one constant on nearly everyone would be “Microsoft Excel” under the skills section. More than 750 million people worldwide use Excel, and it has become a prerequisite for just about any job in any industry these days. But there’s a massive range of fluency in Excel, and just because you know how to make a spreadsheet does not mean you know how to use this powerful program.

The truth is, Excel can do a lot more than you probably realize, including acting as a treasured addition to your business intelligence operations.

Microsoft Excel was released in 1985 and has grown to become arguably the most critical computer program in workplaces worldwide. In business, any function in any industry can benefit from those with strong Excel knowledge. As a result, excel is a powerful tool that has become entrenched in business processes worldwide—whether for analyzing stocks or issuers, budgeting, or organizing client sales lists.

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Using Excel for business tasks saves time and money thanks to the numerous options for storing and analyzing data and features that allow you to automate repetitive daily tasks. For example, Microsoft Excel spreadsheets software comes with million rows of data and automates number crunching, but this popular spreadsheet software can do more than just figures.

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Top 10 Uses of Microsoft Excel that can improve your business

The list of ways that business uses MS Excel is long. But we’ve’ broken it down to a top 10 list. At a basic level, MS Excel is used for storing information, analysianalyzingrting, and reporting. It’s’ trendy in business because spreadsheets are highly visual and relatively easy to use.

Some of the most common business uses of MS Excel are for business analysis, managing human resources, performance reporting, and operations management. We know this for a fact after analyzing job data (using MS Excel).

  1. Business Analysis

The number 1 use of MS Excel in the workplace is to do business analysis. Business analysis is essentially using collected data to inform decision-making. Businesses naturally gather data in their day-to-day activities, such as product sales, website traffic, spending on supplies, insurance claims, etc.

Microsoft Excel

Business analysis is the activity of converting data into something valuable to the people who run the business. For example, you could run a profitability report by the day of the week. If the company always loses money on a Sunday, management could use the information to decide (such as closing on Sundays).

  1. People Management

You may be surprised to learn that one of the top uses of Excel in business is to manage people. MS Excel is a powerful way to organize information about people, whether employees, customers, supporters, or training attendees.

Using Excel, personal information can be stored and retrieved efficiently. For example, a spreadsheet row or column can be used for an individual record, including information like name, email address, employee start date, items purchased, subscription status, and last contact.

  1. Managing Operations

Excel is relied on heavily to manage the day-to-day operations of many businesses.

Business activities can often involve quite complicated logistics. Inventory flows need to be controlled so that you can keep operations running smoothly – and without overstocking on particular items. That means keeping track of supplier and client transactions, listing critical dates, and managing times and schedules.

While Amazon uses sophisticated custom software for operations management, MS Excel is essential for many smaller businesses (or parts of larger companies). An advantage of Excel is that it’s’ relatively low tech, allowing it to be used by many people and without the risk of programming bugs.

  1. Performance Reporting

Performance monitoring and reporting is a specialized business analysis that can be done effectively using MS Excel. For example, many accountants still use Excel (partly because it’s’ compatible with cloud-based accounting software).

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A common way to convert data into a performance report in Excel is to create a pivot table. By inserting a pivot table and linking it to data, you can quickly get extra helpful information from the dataset. In addition, pivot tables have numerous in-built functions that allow for tasks such as counting and summing certain types of data within the dataset.

  1. Office Administration

Office administrators use Excel to enter and store much of the data that’s subsequently used for accounting and financial reporting, as well as business analysis and performance reporting.

Apart from recordkeeping, Excel is useful in office administration for supporting day-to-day tasks such as invoicing, paying bills, and contacting suppliers and clients. Thus, it’s an all-purpose tool for keeping track of and managing office activities.

  1. Using Excel for Managing Product Information

If you’re’ running an eCommerce business, you know how vital maintaining accurate and up-to-date product information is in generating online sales, reducing returns, and winning repeat business.

You can use a range of Excel features to drill into your data and optimize your product information to fuel eCommerce growth.

  1. Project Management

Although project managers have access to purpose-built project management (BPM) software, an Excel Workbook is often an effective alternative.

Projects are business activities that typically have a budget and start and end dates. Project plans can be placed into a workbook, which can then track progress and keep the project on schedule.

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An advantage of using Excel is that you can easily share the project workbook with others, including unfamiliar people who lack access to custom BPM software.

  1. Managing Programs

Excel is a good platform for managing programs. It can be adapted to handle the specific characteristics of a given program. And, because MS Excel is widely known, program records can easily be managed by multiple people and, when the time comes, handed over to a new manager.

A program is like a project but maybe ongoing and can depend on participation by users. MS Excel helps managers allocate resources, keep track of progress, and maintain participant records.

  1. Sales Reporting In Excel

Excel, in particular, is one of the best tools you can use to track and report on sales for your business. With its capability for dashboard creation, automated reports, and integration into other business systems, Excel sales reports bring all your critical sales insights into one easy-to-use sheet that can be read by anyone and shared across the business to communicate and track performance.

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  1. Account Management

Account managers are generally required to be competent MS Excel users since they receive and maintain customer records. Ninety, In addition, percent of companies use Excel for budgeting, planning, and forecasting operations. As a result, excel is the go-to solution for businesses when it comes to accounting software.

Excel is commonly used in account management since it provides a simple way to share and maintain client files.

Why You Need Excel Skills in your Business

MS Excel skills are instrumental in business management. Not all jobs use Excel, and those that do are often considered “middle skill “jobs. However, Excel is widely used. Middle-skill spreadsheet skills, therefore, give you the ability to work on all sorts of different tasks. And you can more easily get value out of information that’s being shared in workbooks.

Once you know how to use Excel, you’ll find yourself using it more and more. It’s’ an accessible platform that can be used to do both simple and highly sophisticated business tasks.

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Best Short-Term Business Loans for You

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Whether you need a short-term business loan to expand your business or buy a piece of equipment, choosing the right lender is critical.  For example, a short-term business loan can help you as a business owner purchase more inventories, make some improvements, and pay payroll without the commitment of a longer-term loan. It can be found online or at a bank and comes in different forms with varying rates and qualifications.

Short-term business loans can give your business the fast cash it needs to bridge cash-flow gaps, handle emergencies and other immediate financing needs, or take advantage of a business opportunity.

Think of them as quick-turnaround loans: Borrow what you can pay back relatively quickly so you can focus on running your business rather than managing debt.

Depending on your situation and the lender, short-term loans can be paid off in a few months or extend from one to three years.

Also Read: The Best 6 Trade Credit Insurance Tips

When you are looking for short-term business loans, several factors will play into your decision. You will want to consider:

Loan amounts

Funding schedule

Repayment terms

Repayment schedules

Interest rates

Loan and origination fees

Collateral requirements

Prepayment penalties (if any)

You also will want to consider the type of loan and objectives for taking out a short-term business loan in the first place. Here is a roundup of some of the top short-term business lenders based on these factors.

Quick Cash

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    Kabbage

Kabbage

Kabbage offers multiple short-term business loans with fast approvals, quick funding times, and a simple online review process.

Kabbage requires you to be in business for at least a year, have a business checking account, and previously been approved for funding by Kabbage, or have a current American Express business card relationship. Kabbage is an American Express company founded in 2009 as a technology company that connects small businesses with cash flow solutions, including short-term business loans and payment processing loans. It also offers online banking services and small business tips and resources. It was started to help small businesses get the cash they need quickly and less paperwork than a typical bank.

You can apply for a short-term business loan online and get an automatic financial review with approval the same day. You can also use over the phone with a representative if you have questions. Typically funding is completed within three business days, sooner if the funds are deposited into your PayPal account. Terms vary but are usually between six and 18 months.

Once you get funded, you can draw from the funds as often as possible and won’t be charged prepayment penalties. Kabbage doesn’t charge loan origination fees but charges monthly fees that are a percentage of your balance. You can review the payment schedule before accepting the loan so you know what to expect.

Kabbage doesn’t have a minimum credit score requirement but does require that you be in business for at least one year and have revenues exceeding $50,000. After that, short-term business loans are available up to $250,000.

Kabbage has a positive industry reputation and primarily positive customer reviews, with customers appreciating the quick funding times, but some customers found it hard to get in touch with someone.

  1. Ondeck

OnDeck

OnDeck offers same-day funding on some of its loans and a simple application, and multiple types of loans to choose from.

Since its founding in 2006 in New York City, OnDeck has funded more than $13 billion in loans. It uses proprietary software and an algorithm to compile its financial data and determine its eligibility. The company offers term loans and business lines of credit and multiple loan types, terms, and repayment options. In addition, there’s a team of U.S.-based loan advisors to answer questions and assist you throughout the loan process. It has funded more than $13 billion in loans.

You can apply for a short-term business loan online or over the phone, and the application generally only takes 10 minutes with same-day approval, and some loans even fund as quickly as the same day. This is helpful if your business has an emergency and needs the money soon. If you apply for a business slime of credit, the loan amount will be between $6,000 and $100,000 with a 12-month repayment term that resets after each withdrawal.

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Term loans are between $5,000 and $250,000 with a lump sum of cash upfront and the option to apply for more once the loan is halfway paid off. Terms are up to 18 months. OnDeck requires a year in business, annual revenue of $100,000, and a personal FICO score of at least 600. Credit score, minimum time in business, and rates vary depending on the type of loan, industry, and location of your business, but rates typically start at 9%. It has positive reviews, with customers praising its fast approval times.

Lines of Credit

  1. BlueVine

BlueVine

BlueVine offers lines of credit up to $250,000 with no prepayment penalties, allowing you to draw as you need and pay for only the credit you use. Businesses need a minimum of 2 years in business, monthly revenue of $25,000 or more, and a personal credit score of at least 650.

Pros

Cash can be available within 12 to 24 hours.

Multiple term lengths for different financing needs.

Cons

Short repayment term results in higher payment amounts.

Requires personal guarantee.

  1. Fundbox

Fundbox also provides revolving lines of credit with no prepayment penalty. Businesses need to have $100,000 in revenue, at least six months in business, and a FICO scores above 600.

Low Rates

  1. Credibility Capital

Credibility Capital

Credibility Capital offers low-rate short-term loans. Credibility Capital funds loan up to $350,000 with terms of up to 48 months. It requires two years in business and current revenue generation. Note: It has some geographic limitations.

Pros

Competitive rates among online lenders.

No prepayment penalty.

Extra monthly payments can save interest costs.

Cons

Requires high minimum credit score and revenue.

Requires business lien and may require a personal guarantee.

Best for Startups

  1. Accion

Accion offers short-term small business loans and a community of support without minimum time in business or revenue requirements. Accion is a nonprofit that provides funding from pre-seed to growth-stage.

Accion was founded in 1961 by a law student in California as a grassroots community development initiative. It has grown into a global nonprofit company that is dedicated to helping entrepreneurs generate income, create jobs, build assets, and achieve financial success through business ownership. It offers personalized service, trained lending specialists, and custom repayment plans and prides itself on being a company that goes beyond lending.

Loans are typically six months to three years, and to qualify, you need to be caught up on your debts. No minimum credit score is specified, but one in the mid-500s is usually required. The company looks at the overall financial picture and needs instead of having concrete qualification criteria. As a startup, you will typically need to show that you haven’t had a recent bankruptcy or foreclosure and have a solid business plan.

Short-term business loans are available from $300 to $250,000 and are ideal for startups because there are no revenue requirements and no minimum amount of time in business. Additionally, the company will tailor loans, terms, and repayment schedules to the business’s needs and will offer advice and support throughout the process.

Best for Bad Credit

  1. SnapCap

SnapCap offers short-term business loans with low credit score requirements, fast approvals, and seamless application processes.

Founded in 2012, SnapCap was created to help growing businesses get the financing they need. Their parent company is LendingTree, and they have provided more than $975 million in funding in more than 375 industries since the company started.

SnapCap is a LendingTree business and offers loans from $10,000 to $1 million with terms ranging from 3 to 36 months. To qualify for a short-term business loan with SnapCap, you will typically need a credit score of 500, $100,000 or more in annual business revenue, and at least one year in business. Rates vary based on the type of loan, overall business financials, industry, and loan term. The company requires daily or weekly payments to repay the loan, which is done as ACH withdrawals.

The company offers unsecured loans up to $1 million with terms between three months and three years. You can look for loans on the site and inquire without it affecting your credit. You can also answer the questions on the Express Review page and get approval the same day.

After the online application, a lending specialist will call you to go over loan details, rates, terms, amount, and repayment structure. Funding can happen as quickly as the next day. The process is meant to be streamlined and paperless with an online processing system. The dedicated loan specialist will work with you during the duration of your loan.

Best for low Annual Revenue

  1. StreetShares

StreetShares is a community lending platform that offers short-term business loans and lines of credit to newer businesses with lower revenues.

StreetShares was started by an army veteran in 2013 who was tired of lending traps and wanted to help veterans and other small business owners access capital. While it’s based on a peer-to-peer lending model, it does things a bit differently. It uses affinity-based lending and matches lenders to borrowers with something in common like alumni of the same school or veteran status. The company uses this model because the borrower is more likely to feel more connected with the lender and more obligated to pay them back.

Also Read: Influencer Marketing, What It Is And How It Can Increase Sales For Your Business

You can apply for a small business loan or a line of credit online and then get matched with a lender if you qualify for a loan. You can instantly get pre-qualified online and be asked to fill out a personal statement about why you need the money and anything unique and exciting about your situation and business.

To qualify for a loan or line of credit, you need to be in business for at least one year and make $75,000 or more in annual revenue. This is lower than most lender’s requirements and is more realistic for most small businesses that are just starting out.

Rates vary depending on the type of loan but typically start at 8%. A minimum credit score of 600 is usually required for a business line of credit, and a credit score above 540 is needed for a term loan. Short-term business loan terms are three months to three years.

Best for Large loans

  1. LendingClub

LendingClub offers larger short-term business loans than most other lenders. In addition, it quickly funds loans and doesn’t charge prepayment penalties.

LendingClub is a peer-to-peer marketplace that offers business loans and lines of credit in all U.S. states except Iowa. The business was founded in 2007 and pairs both individual investors and institutional investors with borrowers. It offers personal loans, business loans, auto refinancing, and patient solutions.

The company often offers business loans to small businesses that have been turned down by banks. Business loans range from $5,000 to $500,000, making these a good solution for businesses that need more than $250,000, the cutoff for most short-term business loans.

You can get a quote within minutes online, and it won’t affect your credit score. Once you apply online, if you’re approved, you can select a loan offer, review the rates and terms, and then confirm your details and provide any documentation to a client advisor who will guide you through the entire loan process. After this, the funds are automatically deposited into your bank account. Times vary depending on the type of loan and the loan amount.

Interest rates are competitive and start at 4.99%, and payments are made monthly, which customers like. In addition, there are no prepayment penalties, and terms range from one to five years.

Pitfalls of short-term loans

While short-term business loans provide fast cash, they do come with some disadvantages, including:

Higher cost: Short-term business loans typically carry a higher annual percentage rate, or APR, than long-term loans. Use NerdWallet’s business loan calculator to figure out how much a loan will cost you.

More frequent repayments: Some lenders require payments daily or weekly as opposed to monthly. Although these payments are smaller, their frequency can be an issue for businesses with uneven sales or who don’t always hold much cash in a bank account.

Risk of debt trap: The speed and ease of short-term business loans can become addictive. Instead of repaying the debt in full, business owners may be enticed to refinance and roll over the debt into a new loan.

Also Read: Top 7 Billionaires That Is Good With The Stock Market

Final Verdict

Short-term loans can help bridge the gap while you’re waiting for customers to pay you what they owe or to fund growth initiatives. While you will most likely pay high interest rates for the privilege of getting a short-term business loan, if you pay back your loan on time, you may pay less interest in total than you would with a long-term loan.

Before taking out any loan for your business, however, you must be able to pay it back. Failing to do so can hurt your credit score and limit your ability to get future financing or credit with your vendors or suppliers.

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Best Free Website Hosting Platforms

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The expense of setting up and maintaining a website can add up quickly, so picking the best Free Website Hosting provider for your needs can help cut costs.

We all love freebies, and it should come as no surprise that there are tons of freebies even in web hosting if you know where to look. Not all things free are equal, though, and this time I’m going to look at what some of these free (and “almost-free”) web hosts have to offer.

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The “Truth” About Free Website Hosting Service

Building a website has become the most important way to get your message out in the world. However, when you start, you may not want to spend money on making a website.

Most people want something quick, easy, and accessible.

There are tons of free website hosting companies in the market. But as an intelligent consumer, you should know that there is no such thing as free lunch.

There is always a catch.

Running a website hosting service costs a lot of money.

The companies offering free website hosting need to make money somehow, or they will go out of business.

They do that by either displaying ads on your website, limiting your website traffic, causing downtime, locking you in their platform, and upselling their other services. In addition, some of the ads displayed may not represent your brand well, and it can even be your competitor’s advertisement.

Every free website hosting company on our list guarantees that you can keep your website for free as long as you want. However, we recommend that anyone serious about their website consider using a low-cost full-featured website hosting provider.

That being said, let’s take a look at the best free web hosting sites.

  1. Weebly

Free Website Hosting
Free Website Hosting

Weebly is one of the new generations of site-builder-slash-web-hosts that is doing very. It comes with an intuitive drag and drop builder and ready-made templates to create a website.

Their free plan includes a Weebly subdomain, 500 MB of storage, and displays Weebly ads. You can upgrade to their paid plans to get rid of ads, get more hold, and unlock features.

Also Read: Best Free Website Hosting Platforms

Features

Free website builder (Weebly!)

Free SSL security

Apps for your Weebly-built site

Ad-free hosting

Mobile app builder

Specifications

Disk Space: 500MB

Bandwidth: Unknown

Database: Proprietary

Control Panel: Proprietary

Easy to use but host in Weebly.com subdomain only

Reliability and uptime guarantees

Weebly is well supported through a vibrant community, and you can also reach out to them via email or live chat.

Weebly doesn’t support server-side scripting (such as PHP) nor database integration. And your free website domain will be in the form of the Weebly.com subdomain. True, it’s mighty on its own, but this also means in terms of flexibility, you’re likely stuck with Weebly for good once you start using it.

  1. Wix

Free Website Hosting

Wix is another fully-hosted website builder that offers free website hosting. Wix is a brand that has made its name in the website-building business and was one of the earlier new-generation of web tools. It’s excellent for newbies and is easy to use, plus offers enough for the starter-offs to get interested before they hop on to any paid plans.

Like most free hosting services, it is supported by displaying ads and Wix.com branding on your free website. You can get rid of it by upgrading to their paid plans.

The free plan will give you a Wix.com subdomain, access to website templates, 500 MB of storage, and 500 MB of bandwidth.

Features

Free website builder (Wix!)

Online Store

Free templates

Database: Proprietary

Control Panel: Proprietary

Free powerful web editor but with advertisement

Reliability and uptime guarantees

You get what you pay for, and aside from an extensive knowledge base, you can email them and take your chances for free accounts. Only premium accounts get ‘faster responses to any question or issue they may have.

Also Read: 8 Best Website Builders For You

Again, Wix is another proprietary engine which means it’ll try to hold on to you almost any way it can. The good news is that it plays better with other tools, so it is compatible with some devices such as Caspio, a free database platform. Oh yes, and Wix is not ad-free. If you’re not on a paying plan, it will plaster Wix ads on your site with enthusiasm.

  1. 000Webhost

Free Website Hosting

A free website hosting provider owned and operated by Hostinger charges for paid hosting based on the length of time you sign up for.. 000Webhost has been around for ten years and has millions of users. Since they also offer paid hosting options, their business model revolves around offering free hosting services funded by the paid end of the business. This works out in everyone’s favor since users of the free hosting services also have the option to scale up their sites by becoming paid customers at any time they wish.

With 000Webhost, you’ll get cPanel, a website builder, and a WordPress auto-installer, plus a further benefit is that there are no ads. However, the bandwidth and disk space are on the low side, with 3GB bandwidth and only 300MB of disk space.

As expected, there’s no SSL certificate, but what is slightly surprising is the absence of subdomains and email accounts, as well as a lack of support via tickets (you have to go through the forums when you need help).

Features

Free website builder

Auto Installer (WordPress, Joomla, etc.)

Ad-free hosting

PHP & MySQL database support

Specifications

Disk Space: 1GB

Bandwidth: 10GB

Database: 2 MySQL Databases

Control Panel: Cpanel

$0/mo hosting but one hour sleep time every day

There is a 99% uptime guarantee for free accounts, but in the case of 000Webhost, you’ll have to consider that there’s an enforced one-hour sleep period per day. That means that it will be unavailable to anyone – including you and your actual server uptime starts at 95.83% – less any fundamental technical difficulties.

  1. By Host

Free Website Hosting

Byethost is part of Byet Internet, a US-based provider of hosting, domain name, and reseller services. With more than one million websites hosted, Byethost claims that its free hosting service is “one of the most powerful networks dedicated solely to free hosting in the world.”

Users are given 1GB of server space, 50GB monthly bandwidth, and MySQL / PHP compatibility. They also benefit from 24/7 tech support, which is a boon and access to Byethost’s community and knowledge base.

Furthermore, if you are ever interested in becoming a free web hosting provider yourself, Byethost operates a separate entity, myownfreehost, that allows you to do just that.

Features

24/7 Support

Auto Installer (WordPress, Joomla, etc.)

Ad-free hosting

PHP & MySQL database support

Specifications

Disk Space: 5GB

Bandwidth: Unlimited

Database: 5 MySQL Databases

Control Panel: VistaPanel

Free VistaPanel hosting solution

Reliability and uptime guarantees

It’s interesting to note that Byet Host offers 24/7 support, even to free accounts. Even if they take some time to service tickets, it’s not often you see a free host that offers real support. Most of the time, either knowledge bases are used, or at best, a user forum where you help one another.

Although Byet Host sounds almost too good to be true, it might be good if you take some time to check what they offer in detail. I’ve found that many terms and services are worded to be a little shady and open to interpretation in various ways.

  1. Free Hosting No Ads

Best Free Website Hosting Platforms

FreehostingNoAds has been around for 18 years, and I kid you not. This site is very generous in terms of what it offers, in fact, more than what some paid accounts go for. I guess part of it is subsidy through advertising, though, since they plaster google ads all over their website. They promise not to force you to carry their ads, though. The brand is owned by Runhosting, an established web hosting provider that offers unlimited disk space and unlimited traffic for as little as $2.49 per month.

Also Read: 8 Best Website Builders For You

Features

Free website builder

Auto Installer (WordPress, Joomla, etc.)

Ad-free hosting

PHP & MySQL database support

Specifications

Disk Space: 1GB

Bandwidth: 5GB

Database: 3 MySQL Databases

Control Panel: unknown

A free web hosting plan with 3 MySQL databases

Reliability and uptime guarantees

An SSL certificate will give you the all-important security padlock in browsers and will set you back an eye-watering $30. The control panel, via Zacky Tools Installer, is minimal, with either Grav, WordPress, or Joomla being offered one-click installs. However, you will be able to install your own should you want to do so – but bear in mind that the file size limit is only 15MB.

FreehostingNoAds appears to be another hosting site that doesn’t believe in uptime guarantees. However, users who join are offered technical support, even on the free plans.

Aside from non-existent uptime guarantees and cloudy reference to technical support, nothing else. This seems to be aimed mainly at people seeking a free or cheap hosting solution, and that’s all. Given that they have an entire page dedicated to HTML5 site-building that ends up directing to Wix, they might be a subsidiary or affiliate.

  1. Infinityfree

Free Website Hosting

In the world of free website hosting, Infinityfree stands out for good reasons. It has a well-designed website that makes a positive impression and ticks the right boxes for us. Its homepage gets a C performance grade in our load time test, but other than that, it looks pretty solid.

Also Read: How To Use Google Keyword Planner Tool To Promote Your Business

Infinityfree has been in the business for over six years, claims to have over 400,000 users, and offers unlimited disk space and bandwidth (albeit with a very generous 50,000 daily hits). You can host as many domains as you want, but you will only get ten email accounts and one FTP to upload your content.

There are no hidden fees, and despite its free status, you will get a 99.9% uptime guarantee (although that said, you are more or less on your own if your site goes down) and the popular Softaculous script installer with more than 400 applications.

We were surprised to see that this provider’s features list includes 400 MySQL databases (where others give only a handful, if any), a free DNS service, free SSL, and free Cloudflare CDN. That’s impressive for a free offering.

Risks with Free Hosting Platforms

Anything that comes with the word “free” can be very tempting. Understandably, most beginners starting a website for the first time would like to keep their costs low and save money.

But keep in mind that nothing is truly free in this world.

While using a free web hosting platform means that you won’t have to pay a single dime for creating and hosting your website, there are numerous risks and problems that you should be aware of if you intend to use them. We will talk about the three significant risks here.

Some free deals are never worth the downsides they come with. If your website matters, you should learn about these risks and consider opting for a reliable, full-featured hosting provider. Most good shared hosting providers include a free domain name, shared SSL support, email hosting, unlimited data transfer and disk space, and more website functionalities for the price of $2 – $5 per month.

Also Read: Top 10 Business That Can Make You 1000$ Daily

Risk #1. Poor Server Performances

The most glaring issue that comes with using a free web hosting model is the terrible server performance. You see, to help save server costs, a lot of providers will lump together hundreds, or even thousands, of websites in a single shared server.

When you have that many websites sharing the same server resources, your website will inevitably suffer many server issues such as slow loading websites or lots of downtimes.

Risk #2. Sudden Website Shutdown / Company Goes Out of Business

As I’ve said earlier, you won’t have to pay a single dime for their domain hosting services with free web hosting platforms. Because of that, most providers won’t take your website seriously. This leads to a considerable risk that comes with free hosting, in that your website can be taken down at any moment.

There have been many incidents where people who used free hosting platforms ended up having their accounts deleted or barred with no prior notice or warning. Since you’re not paying for their services, many providers don’t feel obligated to keep your website online indefinitely.

Risk #3. Getting Your Data Leaked

Data is an essential asset for a business, especially if you’re an eCommerce business. But with free web host models, you’re more likely to get your data leaked or stolen as most providers don’t follow and enforce the standard and fundamental security practices needed to protect their users.

Again, since many of these providers offer their services for free, they usually don’t feel the need to provide proper security to protect their users and their data. This led to cases where a user’s sensitive details, such as usernames and passwords, ended up stolen by hackers.

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Credit risk insurance companies for you

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Credit risk insurance coverage protects businesses from non-payment of commercial debt. It makes sure invoices will be paid and allows companies to reliably manage the commercial and political risks of trade that are beyond their control.

Taking out a credit insurance policy remains the most efficient way to manage your credit risk. But it is not always easy to choose the right provider and find a reliable partner with the necessary experience to handle risky situations and support your commercial development in the long term.

Also Read: Business Credit Insurance What Is It About?

Brokers have the right relationships with a range of insurers that enable them to get the most suitable cover for each client. The following companies are some of the critical credit insurance companies you can work with:

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    Euler Hermes

Credit risk insurance euler hermes

Euler Hermes is one of the world’s leading business credit insurers with a history spanning over a century and offices operating in over 50 countries. Its global reach is down to critical acquisitions of specialist business credit companies, such as Trade Indemnity in the UK. Today, it’s well known as an international expert in surety, debt collection, fraud insurance, and structured trade credit, and political risk.

Also Read: The Best 6 Trade Credit Insurance Tips

Having the correct information to make informed credit decisions means you can avoid or minimize losses. Euler Hermes’ careful analysis of this information allows companies to determine how much credit they can safely and reasonably extend to their customers.

Their strength lies in their cross-functional offer, which covers all the necessary guarantees of credit risk insurance. Moreover, it adapts to companies of all sizes across many different sectors of activity.

The benefits of choosing an Euler helmet for your credit insurance are

Their financial analysis capabilities to constantly evaluate the credit risk and solvency of your partners, with tools such as their customer platform MyEH;

Their legal expertise to carry out debt collection procedures in the best way possible, with in-depth knowledge of the playing field;

Also read: Best Free Website Hosting Platforms

Their financial strength guarantees your indemnification and risk coverage, as evidenced by their AA financial rating from Standard & Poor’s.

Moreover, thanks to their data collected in the field and our Economic Research Team, they are privileged observers and analyzers of current and future micro-and macro-economic trends.

With comprehensive analysis and intervention capacity, covering all needs in connection with trade credit risk, their credit insurance solutions allow you to implement a credit control policy that is both efficient and safe.

  1. Coface

Credit risk insurance coface

Coface provides a comprehensive line of credit insurance to protect companies against potential non-payment by their customers, with cover provided in approximately 200 countries. Coface is driven by their belief in business as a force for good in the world. They have an international network dedicated to credit insurance and risk management, and they help customers with credit decisions to strengthen their ability to sell domestically and overseas.

Coface offers you unique knowledge of your customers, helps you make fair and accurate decisions for all your operations with more than 200 countries. They also work with all sizes of companies, from SME’s to multinationals.

Coface pays you an indemnity to soften the impact of the loss incurred. Once the payment arrears is ascertained, their experts step in to collect the receivable from your buyer. They then implement proven collection techniques to maximize the chances of successful collection.

The benefits of choosing Coface for your credit insurance are

Anticipate and resolve payment arrears from a customer;

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Benefit from the quality and strength of Coface’s prevention;

Receive personalized advice from a Coface expert present in your market;

Focus on growing your business.

  1. Nexus

A nexus is a London-based group founded in 2008, which has since grown into an international independent specialty managing general agent (MGA). Represented in nine key countries, Nexus offers perceptive business credit policies and guidance among their specialties.

They offer a complete portfolio of trade credit insurance products, including ground-up, excess loss, and top-up, with regular credit limits or non-cancellable limits.

They have local expertise and teams operating in the UK & Ireland, France, the Netherlands, Germany, and the USA.

  1. AIG

Credit risk insurance AIG

With more than 35 years of experience in trade credit, AIG offers unparalleled local underwriting and policy servicing capabilities. In addition, their non-cancelable limits coverage, credit management tools, and debt collection services help their clients serve customers in more than 70+ countries with confidence.

AIG is a global insurance company offering a range of products. AIG is one of the largest companies specializing in the UK business insurance market – covering thousands of mid-sized and smaller companies and many public sector organizations.

The benefits of purchasing trade credit insurance from AIG are

Their experienced local underwriting teams and policy servicing capabilities are supported by their operations, serving customers in over 160 countries and jurisdictions.

They provide clients with flexible program structures to allow a high level of autonomy when granting credit to customers.

They have over 30 years of experience underwriting trade credit insurance with over $1 billion in claims paid over that time.

They provide non-cancelable trade credit insurance where limits approved by them cannot be reduced or canceled.

Also Read: Can You Keep Your Approaches Simple? Trading Business

Clients can apply for credit limits, review coverage, and access macroeconomic data via their Global Limits online policy management system, any time and from anywhere.

They offer discounted debt collection services through a third-party agency.

  1. QBE

Credit risk insurance QBE

QBE, headquartered in Sydney, QBE is a general insurance and reinsurance company with offices in 27 countries and a focus on commercial specialty products and risk management solutions. Since establishing its North American presence in 1991, QBE has focused on diversification, superior product offerings, and unparalleled customer service. The breadth and depth of their Specialty and P&C coverages allow us to deliver tailored solutions on an integrated basis across multiple customer segments.

  1. Chubb

Credit risk insurance chubb insurance

Trading goods and services with your customers come with risks, many of which can be mitigated with a trade credit insurance policy issued by Chubb. Chubb is the world’s largest publicly traded property and casualty insurance company.

Chubb’s underwriting team works together as a single unit with strategically located hubs in the USA (New York, Chicago & Los Angeles), Europe (London & Hamburg), Latin America (São Paulo & Buenos Aires), Asia (Tokyo & Singapore)

Also Read: 12 Best Cheap Hosting For You

Final thought

Risk is an ever-present part of any business. That’s why credit insurance companies make insuring your business. Whether it is coverage on your most significant, most trusted buyers or its hedging risk on a new market entrant, Credit insurance allows you to conduct your business with peace of mind.

In today’s volatile credit environment, selling on credit terms is becoming the norm. Yet with this comes customer insolvency, overdue accounts, and political risks.  Credit insurance companies help your company mitigate these risks.

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