Small Business Banking

As a small business owner, you will want to focus on banking features that are available, useful and help you realize success with your company. Each financial institution offers unique small business banking programs and packages. There are free business checking accounts, business savings accounts, loans and credit card services as well as online features from credit unions and banks to consider while conducting business. You will want to become familiar with their products so you can choose which will work for you and your business.

When looking at the selection of credit unions and banks, you will see many types of small business banking services that can meet your needs. Some credit unions and banks offer free business checking accounts, while others require a minimum balance. You may need after hour depositing and many small business banking programs include this. Most banks and credit unions offer a debit card or check card with the opening of a free business checking account. This can prove to be a convenient and efficient way to make purchases for your business. You may have an option of an unlimited amount of transactions when you start a free business checking account with your credit union or bank. Check with your financial institution, as there may be limits on usage and account balances.

You will have plenty of options when you open a business savings account. Overdraft protection can certainly be useful when you use your business savings account to cover any overages by your business checking account. Your business funds can earn money with an interest bearing savings account. Each financial institution will set their terms for the amount and the length of the deposit for this type of business savings account. CD’s and money market savings accounts are offered as another source of generating money with your business savings account.

Most small businesses need capital for start up, growth and expansion, and even help through lean times. Credit Unions and banks offer loans and even business credit cards to cover these needs. Many small companies take advantage of business credit cards for convenience and flexibility with their working capital. An example of this would be when using your card to cover the gap in payment for goods and services that your business has invoiced. Small business loans can be an essential element for expansion in the event that you do not have the capital to cover the cost of growing your company. While you can’t predict the future, knowing that your business can take on a loan to assist you through difficult times can put your mind at ease.

Small business banking has grown with the digital age and most banks and credit unions now extend online services to their business customers in addition to free checking and savings accounts. Such services can include taking of care of your accounts payable online, monitoring free business checking and business savings account activity, receiving account alerts at your email or mobile device, bill payment and transferring funds between accounts with the push of a button. Statements through the mail can literally be a thing of the past with online banking. Online small business banking services even allow for the use of accounting software such as Quicken® or Microsoft Money® so that your financial picture can be managed with great ease.

Credit Card Services for Business Merchants

If you own a business, whether large or small, you know the necessity of credit card processing for a successful sale. For products and services sold online, by mail or phone, or in person at a retail location, you need the most up to date credit card merchant services available. Internet savvy customers and people in this fast paced modern world do not like to be kept waiting. They also expect a flexible spending option like credit cards to be available anywhere they shop.

Most businesses with an online presence, or a website, require a way to gain online credit card approval. With this function, you can sell goods and services from your website. The credit card processing allows you to accept any charge payment from customers with online credit card approval. Some people are intimidated by this process, but with the simple online merchant services available on the internet, the success of your credit card business can be simple and hassle free.

Where to find credit card merchant services

When looking for someone to assist you in setting up credit card processing, start online by entering a search term that relates to your business needs. For instance, if you are a small business owner, you might enter something like credit card processing. But if you have an online presence for your business in the form of a website, you would need to search for online credit card approval. For all your credit card needs, search for credit card merchant services, and you will get an extensive list of resources.

Which service is right for you

After you have some search results, visit several different sites, even if they seem to offer the same services. You need to compare the options, prices, and customer services offered. One of the most important things to look for right away is how much you have to pay on a monthly basis to keep your credit card processing up and running. Most sites will represent their fees as fairly straight forward, but several companies charge hidden fees that can inflate your bill and put a kink in your operation. Keep an eye out for notices about late fees, a quota of credit card processing per month, and other limitations that could conflict with your needs. Also note what the company will charge you if you violate the terms of service. Remember that business can sometimes be unpredictable. If you get in a bad spot financially, you do not want your credit card merchant services to drag you down even further with high penalties or cancellation of service if you fail to meet a quota.

Also look for the extras that each service offers. For example, if you are processing credit cards on your website, you will need a built in way to accept card payments. This usually takes the form of a shopping cart that is written into your html code. The ideal merchant service will give you step by step instructions on how to set up your online shopping cart.

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The Top Apps, Software and Online Services for Organizing Your Mind

A lot of us blame technology for the constant stress that we’re under and for the fact that we feel constantly so wired. We’re continuously bombarded by notifications and messages and we seem to spend half our time looking at screens – is it any wonder so many of us are burned out?

But just as guns don’t kill people – people do, so is it true that apps don’t make you tired – you do.

The key is just to use the right technology. Actually, there are plenty of apps out there that can help you to feel less stressed and that can reduce that information overload. Likewise, there are also a number of online services that can do the same. Let’s take a look at a few of them.

Headspace

Headspace is an app that can teach you how to practice mindfulness meditation. The app does cost money if you intend to keep using it but the first few sessions are free and provide a great introduction.

Fabulous

Fabulous is a beautifully designed app for Android that can help you to take on new habits and routines and that will guide you through your goals and objectives. It makes setting new challenges for yourself fun and encourages you with motivation and tips along the way.

Standing Orders

Here’s a great way to use technology to make your life easier – set up some standing orders with online services. There are actually tons of companies that now offer there services on an automated recurring business:

  • Clothes companies that send you a new outfit every month
  • Supermarkets that let you have your weekly shop delivered to you
  • Diet companies that send ready made meals/ingredients to you on a daily basis
  • Flower shops that send flowers to someone on their birthday every year

Consider if something like this could help!

Virtual Assistant

A virtual assistant is an assistant that works for you via the web. They tend to be based in India and are very affordable but their services cover anything that can be done online. That could mean doing research for your work, or it could mean helping you organize a holiday!

Todoist

Todoist is a great ‘to-do list’ app that lets you set to do lists and then receive notifications and reminders about them.

Google Calendar

Any calendar app can be a great way to check your availability and to avoid over booking yourself. It syncs with other apps and even lets you share your schedule with others too.

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