Archive for August, 2017

Applying For a Merchant Cash Advance – Everything You Need To Know

Is your small business in need of a quick infusion of funds? A merchant cash advance could be the best card on your table. While a bank loan application will require you to fill out lengthy forms and present a myriad of documents, applying for a cash advance takes minutes, after which you can get your funds in just a few days.

That said, getting your application for an advance approved isn’t as straightforward as you may think. Below are some important questions to ask and answer before knocking on your financier’s door.

What is a merchant cash advance?

As the name implies, an advance is a sum of money offered up front by a financier in exchange for a slice of your future sales, which can be credit and debit card payments made at the point of purchase or recurring ACH bills.

How do I know if I’m eligible?

As long as you have been accepting card or ACH payments for a few months, a provider will likely approve your application.

What do I need to apply?

Cash advances have become increasingly popular among small business owners because of their stress-free application process, which is usually done online. Signing up for an advance with a specialist like First American Merchant only takes presenting a record of your recent sales, proof of identification and business ownership, and filing a one-page document.

Some providers may, however, insist on other records besides the basics, depending on your type of business and the level of risk. If yours is a firearms dealership, for instance, a financier may require you to present the relevant licenses, bank statements and credit records, among other documents.

When will the money get to my account?

If you’re applying for a merchant cash advance, your business is likely in urgent need of funding. Thanks to the relatively fast and simple underwriting process, an advance provider will approve your application in just a few hours, and the funds will follow in one or two days.

How long will it take to repay the advance?

A cash advance is similar to a loan in that you will need to pay it back. However, while a loan is repaid in fixed monthly installments, a merchant cash advance is cleared with a pre-determined percentage of the payments you receive. If your sales are high, therefore, you could have your advance cleared in as little as a few weeks. On the other hand, if your business is suffering a low season, you may get stuck with an advance for months. Nevertheless, at no time will you feel pressured to make mandatory fixed payments to the financier.

What about the fees?

Cash advances come with numerous benefits to merchants. Unsurprisingly, however, most providers attach significantly higher rates and fees to advances than they do to business loans. The charges will be even heavier if you’re a high-risk merchant, or if you have a poor credit score.

When applying for an advance, therefore, compare several merchants and identify the ones with the most favorable rates. Also, be sure to read through the contract carefully to uncover any hidden fees that may be hidden in the fine print.

The best merchant cash advance is that which is easy to apply for, takes little time to be approved, and whose repayment won’t drive your business to the ground.

Let Applications Accomplish Your Job Search

Today’s tsunami of cellular technology has allowed smart job hunters to join the app chariot searching of a advantage against their competitors.

Mobile apps allow job hunters to look for quietly for roles – at any time, anywhere – and react to posts easily. There are apps that help with profession planning, arrange the job look for procedure, aware job hunters to suitable roles, and even publish and deliver continues to interviewers.

The great news for job hunters is that you only have to look as far as your wallet to discover new perform, because there are several helpful apps for cellular phones that can facilitate your job look for.

According to CareerBuilder (March 2013), nearly one third of its traffic comes from cellular phones. In fact, its monitoring reveals that as many as 40 percent of cellular applicants give up the applying when they are informed they are about to see a nonmobile program.

While functions differ, job-search apps generally deliver signals about new posts, giving you a leap start on the competitors. Some actually use your mobile phone’s GPS to aware you to tasks located near you. Some allow customers to make use of or at least indication attention in the job – all via your cellular cellphone.

Just about all the major job-search sites offer a no cost app, such as Indeed, CareerBuilder, Glassdoor, SimplyHired, LinkedIn and Cube (for the technical industry).

Understand that some apps may not allow you to store your continue and make an program for tasks online. However, they do keep you informed of opportunities as they’re published, which provides you with a unique benefits.

Here are a few 100 % free apps you might consider downloading:


One of the easiest job-seeking apps, it allows you to dig through a regularly upgrading nourish of tasks depending on your look for search phrases (such as “electrical engineer” or “secretary”) and the area where you wish to perform. Hitting a specific job starting takes you to a page of information. If you’re focusing on a job with your favorite organization, or by wage, this app is ideal.


The LinkedIn app can recommend tasks, in accordance with the search phrases and information you joined in your information – creating list of customized job suggestions. Like Glassdoor, it will also look for for tasks depending on search phrases. You will even discover useful control buttons such as “apply for this job on their website.” Once you publish your program, LinkedIn will recommend similar tasks that may also attention you.

Career Builder

CareerBuilder has a unique design that makes easier the surfing around of job results. It also has some impressive functions such as determining travelling ranges depending on your mobile phone’s GPS information. You can publish your continue to Career Designer and even make an program for some roles straight through the app.

Remember that in an aggressive job market, roles are generally published and completed a short time. Mobile job look for apps allow you to be much more sensitive and to take benefits of deceased time by improving your efficiency.

Best Laptops for Applying Jobs

Are you looking for a job? The most effective way to find job vacancies is to use the internet. You can find various job vacancies in no time. Of course in addition to need internet connection, you need to have a laptop.
By having your own laptop, you can be more free to apply whenever you find a vacancy job available.

Well, here are some of the best laptop that you can use to get a job online.

1. ASUS X441SA-BX002D 14 ”
This is a laptop asus with low price. Maybe because you do not have a job, then you have limited yng money. Therefore do not need to also push yourself to buy expensive laptops. The important laptop can be smoothly used when connected to the Internet network. That way you can smoothly use it to find work via online.

2. Dell XPS 13
If you want to have a laptop with a better specification, this notebook is the answer. Already using Intel Core i3 processor with the lowest RAM is 4Gb makes it smoothly when used.
Using this laptop will not make the connection so halting. So you can quickly find the job information you want.
The other plus points are the batteries that last longer. So while you enjoy coffee while looking for a job, you do not have to worry about this laptop will run out of battery soon.

3. Apple MacBook Pro
There is nothing wrong if you really want to use a good laptop when looking for job vacancy. Of course Apple macbook is the right recommendation. With an elegant look and a screen that is so clear, this laptop is very stylish Especially for you who are office workers have this laptop will speed up the work process you do.
In design it seems no one denies that Apple laptop is a champion. This laptop has excellent features and performance.

4. Asus Chromebook Flip
If you want a laptop that size is not too large, Asus laptop is feasible to be an option. This Chromebook is rich in features and has excellent capabilities. Harga laptop asus is also fairly cheap so affordable for everyone.

Well that’s a list of best laptops that are very suitable to use to find work on the internet. The four laptops are the most worthy to recommend.

Maybe if you consider the price too expensive, can try to buy it at the promo. That way, you can get it with a cheaper price.