First Financial  
 

First Financial Business Services

Alternative, Additional Data Now Powering Small Business Loan Approval

Many small business find themselves unable to secure small business loans or company credit cards, so they end up relying completely on the personal credit of the business owner in order to make transactions. This means the business goes on not developing any credit history, and thus in the future still will not be able to secure outside financing.

Why does this happen? When small business owners sit down and try to raise capital, they are often confronted with a catch 22: Their business can’t receive a loan because it  has no credit history, but at the same time it cannot build up it’s credit until they are granted a loan.

This is a huge problem. Too often, even profitable business ideas are unable to get off the ground simply because the owner cannot get his business financed. First Financial is dedicated to solving this problem and helping small business owners grow their business. We do this by taking into account more data and variables in our loan decision making process than our competitors. We examine the history of the business, website architecture and traffic, customer feedback and much more. The result is a system that can analyze your business based off of hundreds of different metrics, and gives a more complete picture of your business performance and potential. This allows us to lend more and give small business owners the capital they need to make their dreams a reality.

First Financial’s use of big data and our development of innovative lending procedures has allowed thousands of small business owners to get financed when they otherwise would have been unable to. In fact, many of our clients come to us and are able to secure financing after having been previously rejected by a traditional bank. First Financial use of big data has allowed thousands of business hire new employees, open new locations and so much more.

Successful Marketing Tactics for the Web Design Company

web design presentation

Web designers with a niche can command higher fees. 

 While the growing demand for web design is something to celebrate, it also brings new designers to the market, making competition fierce. The freelance web designer needs to be an able marketer, coder and creative artist to earn a living.

Conquer the marketing aspect of running your own web design company by reading these tried-and-true tactics. 

  1. Get a Niche

Today, the business website is critical not only to bring in new customers, but to establish credibility.

Capturing the true size of the market only starts with every business having a mobile-friendly website. Anymore, businesses are putting up separate websites for events they put on, books they write and communities they establish. Further, every entrepreneur starts one business only to spin off two or three others. As we discussed in our post, Web Design Outlook for 2016 and Beyond, demand for the average American job will increase by 7% until the year 2024, but the American economy will call for 27% more web developers and designers.

Long story short: there’s enough business to go around. Designers with niches (restaurants, finance, healthcare, retail, etc.) can begin to build deep expertise. They learn characteristics not only of their clients, but their client’s target audiences and referral partners. Further, they learn the legal limitations and opportunities for everything they can say on the website. When a web designer can convince a prospect they learned from the successes and failures of past attempts, they gain credibility . . . and more money. Most businesses would prefer to pay a little more to get the job done right the first time.

 

  1. Network in the Niche

Everybody knows how to network through their Chambers of Commerce where they meet people in all industries. Finding niche networks helps the web designer hear all of the participants’ pain points, complaints, opportunities and successes. This information eventually becomes very valuable, as the informed web designer can explain the prospect’s issues before he or she even has a chance. Networking events also gives you opportunity to meet new talented people, create connections with them and eventually find potential customers.

Putting on a presentation or attending a meet-up in your niche also gives you the opportunity to connect on a personal, face-to-face basis. Even volunteering your skills for an organization showcases your talents to your selected niche.

web designer with client

 

  1. Set up a Good Looking Portfolio

This is the best way to show off all your skills and experience on web designing. This lures customers and make them interested in your capabilities. You can attached this to your own website or any owned social media accounts.

You can go general in your portfolio. Do not just limit your portfolio to skills and experience related to web designing. You can go general and make people see your other talents. They might serve as an additional asset so keep your portfolio versatile.

  1. Make Valuable Partnerships

You can collaborate with field related businesses like web hosting companies or web developers. In this way, you are actually operationally putting your skills to the test. You can also offer more to your clients with the additional features and services from your partner companies, an advantage in keeping up over other competing web designers.

  1. Making it Personal

If you want to make your customers happy, you need to make them feel that you genuinely care for them and can provide them quality service and output with personal intentions even after you are done making your work and have been already paid. There are customers that need to be wooed and need to be given nice gestures, compliments to win them. Gifts and like chocolates and cupcakes, as well as holiday greetings or anything that reflect you as devoted and friendly can win them over. This also includes your way of advertising your service. Try to be a bit provoking and trendy that can catch someone’s attention.

 

These are the 5 most helpful tips in marketing planning for web designers like you to be successful in the industry. Remember that you have to be versatile to new strategies and techniques so that you keep up with the new trends and demands. Attract customers, make them happy, and you will be successful. When you go to collect credit card payments, remember to apply at A+ Rated First Financial, where high-risk businesses like web designers get the best merchant accounts.

 

Your First Business Loan: 7 Tips on Getting the Best One

borrower getting cash advance

 

Congratulations on considering getting your first business loan!

 This step typically means you’ve been in business for a while, have sustained profits and are providing needed products or service to your community. You’ve beaten out 95% of other business owner wannabes!

Most likely, you’ve gotten here by taking careful, conservative steps. Continue your careful habits by researching the smartest ways to get your first business loan.

1. Understand Your Options

While you’ll certainly be grateful for receiving your first business loan, keep in mind that you’re providing valued business for a lender as well. Take the time to see how you can get the funds you need at the lowest rates and best terms.

Business financing comes in many forms: business loans, business credit cards, business line of credit and invoice factoring. Another instrument, the merchant advance is an early payment of the income you regularly receive through credit and debit cards. It’s typically a quick turnaround, paid back to the lender once those monthly funds come in. Understand the needs of your business and/or industry before you jump on the decision of getting a business loan.

2. Analyze Your Credit

A business’s credit rating dictate the interest rates of any loan you consider. Your business credit score and personal credit score both impact the lender’s decision. Personal credit scores indicate how well you handle money. Cash flow, expenses, and assets all figure in to how much a lender will approve and for what rate. The sources lenders use to determine your interest rate also vary. For example, Dun and Bradstreet will take nothing but your payment history. Experian and Equifax consider public records, legal filing and collection agency.
Those with a low credit score can get a business loan, but their options are limited.

3. Shore up Your Business Credit Score

Hopefully, you’ve avoided mixing your personal and business finances. Overlapping accounts complicate your business loan eligibility and even your taxes. The earlier you establish a separate business account, the better, as you build a business credit history this way.

4. Improve Your Credit Score Before You Apply

Review your credit report and settle all overdue bills. You can even consider consolidating your credit card balances into a personal loan, a move that impresses the credit bureaus and lenders because you’re paying off a higher level of the capital on a regular basis. The personal loan sends the signal that you aren’t looking to a bankruptcy filing to escape your debts.
Reducing your credit balances also improves your credit score, particularly if you use only 30% of the credit banks are willing to lend to you. Also, do not close an account just because you’ve paid it off. Keep that credit line open.

5. Make a Specific Request

When applying for a business loan, borrowers get farther when they know their numbers (as anyone who watches Shark Tank knows well.) Be ready to show the lender the figures behind just how much money you need to accomplish your goals and what those goals will do for the business. This is also where a thorough business plan can come in handy.

6. Study Financial Statements

Prepare the business’s income statement, balance sheet and statement of cash flow. After this you can prepare the documents like tax returns and financial statements. Lenders will demand all of these documents to determine whether you can pay the principle and interest over a period of time.

A+ Rated First Financial Specializes in Business Loans for ALL Credit Scores

Ready to get the money to hire a new employee, acquire crucial materials or open a new branch? Apply with First Financial for a business loan and a representative will contact you within 24 hours to answer all your questions. Our automated systems and lower marketing costs translate into lower rates and fees to the business borrower. We’re proud to provide the funds America’s small businesses need to propel the economic recovery and employ others.

Multi-Level Marketing Enjoying Upswing

graphic of multilevel marketing account

 Next time anyone hints that multi-level marketing is a “fringe” business, let them know that in 2015 it brought in $40 billion, a level on par with the pet and cosmetics industries.

Recently, a Forbes article even positioned multi-level marketing as a solution to America’s current retirement savings crisis. After conducting his own research on the multi-level marketing industry, the once-skeptical Forbes author and self-proclaimed retirement activist Robert Laura states, “I no longer perceive these types of opportunities as money-making pyramid schemes. Instead, I now see it as a way to enhance many of the personal aspects of retirement.”

Laura isn’t alone. Some of the nation’s strictest number crunchers concur.

IBIS World, the renowned resource for industry trends, reported that direct selling companies (aka the multi-level marketing industry) has shown annual growth each year over the past five. IBIS World predicts that, “the industry is expected to continue to grow, driven by improved consumer confidence.”

The Direct Selling Association Growth & Outlook Survey also forecasts a robust future for multi-level marketing. Not only has the industry grown every year since 2009, the 5.5% increase in revenues from 2013 to 2014 entices anyone looking to make a living selling unique products through community connections.

Springboard Your MLM Business on 2016 Trends

As much as industry pundits’ perspectives support multilevel marketing’s potential, staying current on the prevailing trends in the industry maximizes sales. Consider:

• Tie-ins Boost Sales: Tailor your product to your clientele, regionally. Tie in your product with a popular local festival, or any other popular seasonal event. Whether it’s a tie-in to a new Star Wars movie, or maybe a “back-to-school” sale bonanza, incorporating a fun theme keeps customers upbeat, and certain you’re looking out for them.

• Technology/Mobile Boosts Sales. Hit up your home base for any and every mobile solution they have. Leverage their sales and marketing apps, presentations and the screens that help you sign-up new recruits and customers via smartphones. Make sure ease of online payment is evident on these apps.

• Social Media and Email Keep You Connected. The Facebook group you create gets your messages to your team on a platform they most likely check daily anyway. Email (no more than weekly!) to both team members and customers keeps your business top of mind.

• Videos Familiarize. Don’t forget to post videos of yourself using new products, and then feel free to email/post on Facebook and YouTube. When your potential customers can see the product in action, they get more excited about experiencing it firsthand.

multilevel pyramid of people
A+ Rated First Financial Offers High Risk Merchant Accounts for Multi-Level Marketing Companies

Multi-level marketing revenue has gained ground since the economic downturn. Many Americans who lost their jobs in the wake of the recession established direct selling businesses as a means of income due to the relatively low start-up costs. As we approach 2020, the industry is expected to continue to grow, driven by improved consumer confidence, improving employment figures and disposable income. To get the multi-level marketing merchant account customers trust and appreciate, apply today!

Considering Freelance? Website Design Industry Outlook for 2016 & Beyond

FF BP April W1 2016 Image

 Web designers are a lucky lot. Creative colleagues, new projects and ever-changing technology make for constant stimulation and growth.

Those who have been working at agencies or in a corporate setting for a while sometimes feel they need to stretch their wings as entrepreneurs. The freedom and prestige to own your own business can prove irresistible despite concerns over steady income, staying on task and finding affordable health insurance.

Pros and cons fill any career choice. Perhaps the best way to make your decision is to gauge your personality type. Entrepreneurs tend to be tenacious risk-takers, plagued by creativity and a desire to break rules and make something new. For this lot, self-employment satisfies like nothing else. Life as a corporate employee could feel stifling. Each reader has to determine whether they have the capital (typically twice as much as planned), time (typically twice as much as planned), family understanding, tenacity and willingness to work. If so, this post should allay any concerns about the future of the web design industry.


Experts Agree: Web Design, Development and SEO Has a Robust Future

If you’re a web designer, developer and/or search specialist with entrepreneurial spirit, you’ve got some trends on your side.

First, according to research from Graphic Design Degree Hub, the average freelancer makes 45% more than the individual working for an agency or corporation. The average web entrepreneur makes $68,000 where her nine-to-five colleague gets $46,800. Seventy-five percent of all freelancers make over $65,000 per year.

Secondly, the U.S. Bureau of Labor Statistics’ outlook for web designers is glowing. Where demand for the average American job will increase by 7% until the year 2024 (less than one percent per year), the American economy will call for 27% more web developers (nearly 3% increase per year).

Backing up this need for web design, IBIS world finds that the industry will grow 5% yearly. Currently a 24-billion-dollar market, web design will keep adding another one billion per year of closed business over the next decade. By 2024, web design will be a 35 billion dollar industry.

Google’s preference for mobile-friendly design poured significant revenue into the pockets of web designers who needed to upgrade websites to render on smartphones. Who knows what the next big shift will be? Entranced by technology upgrades, website owners will always need upgrades as platforms and software continue to evolve. These trends only mean more revenues for web designers and developers.

The Entrepreneur’s Two Biggest Concerns: Recession & Responsibility

Many talented employees feel intimidated about going out on their own because the future can seem so uncertain. In 2014, just one in seven web developers was self-employed. Recessions do emerge about every seven years, and they can cut back on business. An economic downturn affects both employees and the self-employed, however. Surprisingly, about half of freelancers report they aren’t impacted by recessions. Further, recessions cause employee layoffs, and in those cases, all income is cut overnight. Finally, since the downturn of 2008, the government has put controls into place to make sure instability never gets to those levels again.

Recessions tend to be beyond the entrepreneur’s control. What about the aspects of entrepreneurship that are within one’s control. These can be just as intimidating.

Budding entrepreneurs handle not only all the creative aspects of the new job, but they are
• the accounting department (handling all estimates, invoices and collections),
• the marketing department (getting new clients),
• the IT department (paying for all computer repair, paper, ink, etc.)
• and administration (handling all calls.)

FF BP April W2 Img 2

Each solopreneur must set up an accounting system, IT solutions, supplies and merchant accounts to accept client’s credit cards. As mentioned above, if wearing 17 different hats feels fun rather than overwhelming, you’re cut from entrepreneurial cloth. Whichever career path the web designer chooses, he or she will have well-paying work for life!

5 Last Minute Tips to Get Procrastinating Holiday Shoppers into Your Business

Picture2
Procrastinators need your enticements to get their shopping done!

 A segment of society is in denial that the holidays are just around the corner. The good news is that these shoppers don’t pay the deep discounts you may have to use to attract the masses in the weeks leading up to the holidays. No, procrastinators get stuck with full retail price. They know they need to either pay up or fall down in the family’s eyes. Why not be the impetus that prods these lazy shoppers toward your product or service? Here’s how:

1.Extend your hours
Because the procrastinator will wait until the very last moment, consider extending your hours of operation. Stay open until 11:00 p.m. If possible, you can even consider staying open late on Christmas Eve, so the procrastinator will have easy access to those very last minute impulse gift purchases.

2. Provide limited-time-only deals
Whether it’s free shipping, free gift-wrapping, or maybe even a freebie gift with a purchase, lures can get the procrastinating customer into your store, especially if limited to a short period. Your enticement does the shopper a favor! If these deals were available without a start-and-stop time frame, the procrastinator has absolutely no incentive to act right away, and so he or she just won’t act at all. So be sure to keep these offers temporary, so the procrastinator knows that if he or she waits too long, the good deal will be lost.

3.Have the displays do the thinking for the procrastinating shopper
If a procrastinator is browsing through your store while totally unsure of what his or her plan of action is, go ahead and provide your own plan of action for that customer. Believe us, they need your help.

Have displays in your retail establishment with signage saying, “The perfect gift for the woman in your life” or, “Heartfelt gifts that are all under $25!” One of the reasons underlying procrastination is complete cluelessness. Signs help the procrastinator visualize the true, practical use of a product for a certain person in his or her life. With the price obvious, he or she can make a quick decision and once again, business owner, you’ve made life easy.

4. Offer gift certificates
Gift certificates are such an easy option for the last-minute holiday shopper. Therefore, be sure to provide that option, so your harried last-minute customer can be stress-free in his or her shopping experience. A lovely envelope and ribbon saves the procrastinator from hunting down wrapping. Again you help the shopper and increase the likelihood of a purchase.

5.Advertise, advertise, advertise
The procrastinating holiday shopper won’t necessarily do the extra research needed to find out that your particular shop has a fantastic Christmas deal going on, so advertise the fact. Put attractive signage up in front of your store, send an emailed coupon blast to your potential customers. Get those search engine optimization buzz words pertaining to your particular product onto your website blogs. How else will the procrastinator be aware of your product this holiday season?

Picture1

First Financial Never Procrastinates When It comes to Your Business Success
At First Financial, we know that the holiday season can create stress, but it can also create lots of joy. Our lending partners can provide you with low cost loans, even if your credit rating is “fair,” “poor” or even “bad.” You can apply easily right here, because our comprehensive application was designed by financial professionals who understand that an applicant’s financial history can be complex. Follow First Financial on Facebook to get smart budgeting and saving tips, too.

Should You Find a Business Partner? Weigh the Pros and Cons

bigstock-Smiling-business-people-shakin-25067738

• Apple Partners Steve Jobs and Steve Wozniak met in an early summer job
• Microsoft Partners Bill Gates and Paul Allen met in high school
• Hewlett Packard partners Bill Hewlett and Dave Packard met in college
• Ben & Jerry’s Ice Cream partners Ben Cohen and Jerry Greenfield met in high school

  Stories like these may inspire you to find a business partner or even bring in a pal, but each year thousands of failed business partnerships end up in court with accusations of negligence, mismanagement, embezzlement and even theft. Even the best of friends break up, turning into bitter enemies. Business partnerships can be like a marriage in many ways, and we all know how 50+% of those go. Before you find a business partner,
consider what’s best for your personality, the business you envision and the market you plan to serve.

Business Partners Provide Great Help with:
• Start-up costs and continuing cash flow. If you and your business partner both work, you’ll be able to use income from two jobs rather than one. You also have access to another’s assets as start-up and continuing costs. It may be easier to get an affordable business loan with two borrowers as well.

• Benefits of collaboration. Most business coaches encourage owners to pick a partner with complementary skills. That way the initial partner doesn’t have to learn all new skill sets, a process that requires extensive time and energy. Having two opinions on business matters can either be a great help or cause for contention and stress.

• Shared risks and business loan costs. Depending on the terms of your partnership, you split all loan costs.

• Pooled network. A business partner brings with him or her a network of contacts who can provide services or ideas for the company.

• Company and support! As mentioned above, comparisions of marriage and business partnerships pop up everywhere. A common quote about marriage is that it needs to be, “more bulwark than confinement.” Similarly, the connection that emerges from the business partnership should have far more positives than negatives.

Business Partners Can Hinder a Business and It’s Owner When:
• Partners default on loan. You will be liable if your partner declares bankruptcy or disappears.
• Business profits can’t support two people. While of course how profits will be shared should be set out in the business plan, poor income can create stress between two individuals when the rent or mortgage is due.
• Shared decisions cause friction. Two different personalities and life experiences lead to very different opinions on important matters. When each one of you is certain they’re right and the success of the business depends on the right decision, the stakes are high. Think of how you operated in college. Did you appreciate working in groups and partnerships or where you a solo operator? Take a careful self-inventory before you find a business partner.
• The friendship starts breaking up. Good friends are hard to find. Do you really want to jeopardize a nurturing friendship by becoming business partners?

bigstock-Confident-business-partners-wa-24365903

A+ Rated First Financial Supports a Wide Range of Business Borrowers, Even High-Risk!
First Financial is the nation’s leading provider of business loans for all kinds of businesses and even those in the high-risk category. Big banks and processors put many reputable businesses in high-risk categories like golf club manufacturers, eCigarette
vendors and nutraceuticals simply because they’re new. Fill out our business loan application in minutes and find out how much you qualify to borrow. Follow First Financial on Facebook to get smart cash flow, marketing and business growth tips online, too!

9 Smart Steps to Choosing Small Business Merchant Services

ff1
 Industry research confirms what we all suspect and even have experienced: consumers using credit cards spend from 20% to 250%[i] more than those who rely on checks or cash.

The average cash payer at McDonald’s spends $4.50 while those using debit or credit cards part with $7.00. The theory goes that those handing over dollar bills want to conserve them, but those using credit cards focus more what they’re getting from their purchase.[ii] In short, this second set focuses more on that steaming burger than the money in their hand.

American consumers love convenience of credit cards. Where 66% use credit and debit cards to buy both items and services, just 27% use cash. Further, experts expect the number of cash-using consumers to drop another few points to 23% by 2017.[iii]

These statistics lead to one conclusion: even the smallest business needs to accept credit cards to maximize sales. While a large corporation can put a team on finding the best merchant services provider for their needs, small business owners must evaluate competitors in the minutes between running their marketing program, taking calls and re-stocking shelves. It’s not easy juggling so many tasks. We well understand the saying,

“It’s great having a small business.
You get to choose which 100 hours per week to work!”

If you are looking to accept credit cards while maintaining solid creditworthiness for your business, finding an ethical merchant services provider who will be your partner in success is critical. These steps will shorten and clarify your research process.

1. Understand that to be able to accept credit cards you need to create a merchant account with a third party so that the money can move from the customer’s account to the merchant or business owners.

2. Determine your monthly sales volume. This step will weed out the merchant service providers that have a monthly minimum higher than your volume.

3. Determine whether you’ll be processing transactions online or at a bricks and mortar location. Equipment and software options will vary depending on this factor. You may need to integrate your account with third party services that also charge monthly fees.

4. Determine how many times each day will you run cards. Estimating this keeps you from over-buying features you don’t need.

5. Determine whether you’d prefer to rent equipment ($20 to $50 per month) or buy it (several hundred dollars). If you’re not sure about the business viability, renting for the first few months could be your best option.

6. Create a comparison sheet with these features listed down the leftmost column.

• Transaction rates: the majority of small business costs
• Equipment and setup costs
• Customer service: critical for small business owners who are not finance or technology experts
• Contracts and service terms: make sure you have clear confirmation
• Funding and processing time
• EMV capability: for smart cards that read data from integrated chips rather than magnetic strips. Credit card companies switched to this method in fall of 2015.
• Customization
• Simplicity of setup and use
• Possible third-party disintegration
• analysis and reports: to make your costs clear
• Types of processing
• Types of payments they accept: Visa, Mastercard, giftcards, debit cards and more
• Service constraints: what your merchant service provider WON’T provide
• Any additional features and benefits

7. Call the merchants you’re interested in and fill in the details.

8. Make sure the new merchant services integrate with any other ecommerce or other accounting software you currently use. Ask your tech people about the merchant services provider you’re considering.

ff6

A+ Rated First Financial’s Small Business Merchant Accounts
Accept Revenue-Boosting Credit Cards to Ensure Your Business Longevity

First Financial is the nation’s leading provider of merchant accounts, particularly for the highrisk borrowers. Apply for a small business merchant account here. We know that lots of reputable businesses exist in high-risk categories like e-cigarettes, Information Technology, Nutraceuticals simply because they’re new. Fill out the application in minutes. Follow First Financial on Facebook to get smart budgeting and saving tips, too!

Get Cash Advance and PayDay Loan Merchant Accounts in a Tough Environment

payday loan service merchant account

Organize for Approval! 

 PayDay lenders have been getting quite a bit of attention recently, and not much of the good kind.

In August of 2013, New York Attorney General Eric Schneiderman charged Western Sky Financial with requiring interest rates of 300%, many times the state’s cap of 25%. More, several large e-check processors cut ties with all payday clients, making it impossible for check cashing, cash advance and payday businesses to serve customers.

The recent crackdowns have sent payday lenders scrambling for ways to keep their doors open. A+ rated First Financial has the reliable cash advance and payday loan merchant account services that keep you in business. We’re proud to help both brick and mortar and online cash advance and payday loan providers service their customers efficiently. Our fast approvals at competitive rates are the best in the industry.

 Fast Approval:  Just a Matter of Document Organization

Here is everything you need to get in business (or BACK in business if you’ve been dumped by another processor) as a payday loan or cash advance service:

  • last six months of processing statement from your current processor if you have one.
  • 3 months of business bank statements
  • business’ articles of incorporation, corporate resolution for officers and bylaws
  • Fictitious Name Statement or copy of Proof of Publication
  • Customer loan agreement
  • Business marketing materials
  • Owner drivers’ license of passport
  • Recent utility bill displaying owner address
  • List of states in which your business operates
  • Business most recent BSA/AML review

As you can see, it’s just a matter of pulling up some files. Possibly you have them all in one place anyway.Once these documents are reviewed, we may request the business’ tax returns, statement of information and fee schedules for finalization.

A+ Rated First Financial Gets your PayDay Loan Service Going Again

Whether you’re just getting started, looking for a new merchant account to replace an existing one or scrambling madly after being dumped by your current processor, First Financial has the solution to stabilize your business. Apply online in minutes. Don’t forget to follow us on Facebook, Google Plus and Twitter for the frequent tips that will help your business thrive!

 

Business Services & Rewards

Reward points can be redeemed for merchandise, gift cards, or air rewards that can be used anytime, anywhere, on any airline.  Rewards Credit Cards Get more with a rewards card.  Rewards Credit Cards Earn points toward rewards of all kinds every time you shop with one of the credit cards from this category.  Reward credit cards have just recently been launched by credit card companies to make consumers enjoy rewards after making purchases or payments using their credit cards.  Rewards come in the form of frequent-flier miles, goods, and sometimes free services for the customer.  Rewards are typically earned by accruing points that can be redeemed for something of value.  Rewards Program: This is a student credit card with cash back rewards.  Rewards, $0 fraud liability, 0% APR for the first 12 months and online account servicing are only a few.  Reward points can also be used for travel or hotel stays.  Rewards Cash Back Travel Trade Terms Spending power built for business-sized needs.

Benefits of business rewards cards.

Businesses and professionals can benefit by earning unlimited cash back, rewards and frequent flyer miles. Business Rewards Credit Cards. Business can get cash-rebates of up to 5% on business related expenses like office supplies and computers. Business Best credit cards to earn rewards on every day business expenses. Business owners can get benefit from Business Credit Cards will help regulate their business expenditures and get rewards: Frequent Flyer bonuses, cash rebates on office equipment and many others. Business credit card merchant has details about this top card application. Business rewards program redeemable for travel, cash, gift certificates, and more; generous credit limit for all your business expenses More Info Intro APR Intro Period Intro Applied To Annual Fee Rewards n/a $0 Yes Capital One® Business Platinum card with Preferred No Hassle Miles(SM) Earn 3 miles per $1 on purchases in a category of your choice 0% on purchases and balance transfers until Jan 2010. Business Credit Card with WorldPoints® Rewards offers lower rates with WorldPoints® Rewards and is a great expense management tool for your business. Business Credit Card with WorldPoints® Rewards Promotional 0% APR (on balance transfers)†Earn 1 point for each dollar your spend on the card*Redeem your points for cash, travel or with popular merchants Combine points from your Business and Personal WorldPoints® Credit Cards Online access to account information. Business Credit Card Business credit card Payday loan on-line cash In advance loan can be an US resident of full age.

First Financial Business Services

apply

Business solutions are provided for pre-production and production commodity hardware servers and desktop platforms deployed within hosted and in-house infrastructures.  From the customer’s point of view, this attribute makes it difficult to evaluate or compare business services prior to experiencing the business services.  As a business owner you may have commercial mortgage calculator limited time shopping around to compare business services and products.  And as an added bonus, it also could transform how companies price and compare business services online and off.  compare, cheap, business, insurance, services, compare insurance, compare services, cheap insurance, cheap services, business insurance, business services, insurance services, compare cheap insurance, compare cheap services, compare business insurance, compare business services, compare insurance services, cheap business insurance, cheap business services, cheap insurance services, business insurance services, compare cheap business insurance, compare cheap business services, compare cheap insurance services, compare business insurance services, cheap business insurance services, compare cheap business insurance services, rate quote, free online insurance quotes, commercial insurance, company, company insurance, firm insurance, small business, small business insurance, insurance services for businesses, insurance services for small businesses

Could I benefit from a business advance?

Managing finance is arguably the most important component of any business. It is essential to make business grow and in capitalizing on investment opportunities. The challenge that companies face is in actually acquiring the money, and in repaying the debt that they owe. Keeping that in mind, banks have come up with products like Business Loans.

Business Loans are used for expanding, modernizing or improving small to medium scale businesses. It can be secured or unsecured.

Secured business loan means that the entrepreneur keeps something as collateral against the loan amount taken. Collateral can be anything from raw material to finished products, land and building of the business to plant and machinery. If you have the collateral for the cash advance, you can have the money at relatively cheap rates and with much more flexible repayment options. This happens because your collateral is able to stand guarantor for your repayment.

Unsecured Business Loan, as the name explains is a type of loan that doesn’t require collateral. It is typically at a higher rate of interest and is taken for a comparatively smaller tenor. Business Loan can also be explained from the point of view of the tenor:

• Short-term loans are usually used for short-term working capital for a business temporarily in need of cash. These loans may be based upon seasonal fluctuations, and other short-term problems that a business may encounter. Usually, these loans are paid within 1 year.

• Intermediate loans are often used for businesses that are starting up. These loans may be used to build inventory, buy equipment, or increase working capital. Working capital is money needed for business purposes such as paying employees, maintaining good over-head, and other business needs.

• Long-term loans can be given to business owners that are well established and wish to increase their fixed assets, for related business acquisitions, and for expansion. Long-term loans may also be given to start-up businesses, usually for purchases of land or buildings, construction efforts, and long-term working capital, these loans have terms that run 3-5 years.

Keeping a business plan and following a schedule can often make the difference between failure and success. When borrowing funds, take a second and think of how much you will need and why. The cost of borrowing money can be very high in the end. Some things to think about include:

• How badly do you need the money? Will it be to startup or expand your business? Or is it just to ensure things go smoothly?

• Are you in great risk if you don’t receive the loan? Will your company fall without this boost in funding?

• What state is your business currently in? Growing, stable, falling? Businesses that are not fairing as well will not have as good funding terms.

• How capable is your management? Without a key focus on what you are going to do with the money it may not be easy to get a loan. Lenders are very keen on knowing what is going to be done with the money, and how you plan on repaying it.

We hope that the information provided will help you make an intelligent decision with regards to your business. Business Advance will review the last four months of your merchant statements to determine your average monthly Visa/MasterCard sales volume, and project your future sales based on that average.  Business Advances are the most popular method of small business financing.  Provide best rate credit card processing and high risk instant merchant account services for small businesses.  Provides merchant accounts and credit card processing services for small businesses.  As a business owner you may have limited time shopping around to compare business services and products.

  • Recent Articles

  • First Financial
    5.0
    powered by Facebook
    David Mitchell
    David Mitchell
    2017-11-17T20:18:57+0000
    Tara Rae Doran
    Tara Rae Doran
    2017-11-09T01:40:05+0000
    I was in a really tough situation and First financial was able to help me out quickly without effecting my credit score.
    George Gill
    George Gill
    2017-11-07T23:07:32+0000
    Kate Hughes
    Kate Hughes
    2017-10-25T23:50:10+0000
    First Financial was extremely friendly and took a lot of time to explain the entire process, making it much less daunting from the beginning. Thank you!
    Bill Burns
    Bill Burns
    2017-10-18T16:32:57+0000
    My Friend Amber recommended me and Im glad she did these guys are great! I would recommend my friends too!
    Lara Lu
    Lara Lu
    2017-10-14T02:49:18+0000
    First Financial made me feel welcomed, comfortable and answered all of my questions. They are very professional and willing to help others. I would highly recommend them!
    Justin Petix
    Justin Petix
    2017-10-11T20:00:21+0000
    First Finacial was really there for me when I need a small loan to start my business. Thank the staff especially for me! Fast and easy, made me feel like family.
    George Jordan L
    George Jordan L
    2017-10-11T18:04:04+0000
    Seems like a great service for people in need of emergency money.
    Kenneth Bolam
    Kenneth Bolam
    2017-10-07T20:00:54+0000
    First Financial is awesome. Helping people find loans for bad credit and low credit score borrowers.
    Amber Dawn
    Amber Dawn
    2017-09-28T05:39:51+0000
    First financial have been flexible and accommodating to my needs . When I lost my job they were very understanding and assisted me with lower payments until I was back on my feet financially, it really made life easier . I would highly recommend First Financial to anyone for not only their very competitive interest rate but unbeatable customer service !!!!
    Fernanda Moreno
    Fernanda Moreno
    2017-09-25T19:41:09+0000
    **** Thank you **** First Financial is a great company, excellent. I will recommend friends and family to your company.
    Ana Sandoval
    Ana Sandoval
    2017-09-25T19:00:40+0000
    Loved this company!!! It gave me a quick answer and help !!! Thank you
    Monique Saldana
    Monique Saldana
    2017-09-25T17:27:04+0000
    This company is awesome. If you want money fast and easy this is the place to go. Keep it up First Financial !
    Mercado Campestre
    Mercado Campestre
    2017-09-25T17:14:55+0000
    We love this company "First Financial" Thank you very much for you excellent service!
    Norma Rodriguez
    Norma Rodriguez
    2017-09-25T16:53:38+0000
    We have had a great experience with your company, they really help you when you need money on time !
    Nohemi Salas
    Nohemi Salas
    2017-09-25T16:38:13+0000
    Great & professional company! Quick to respond and not based on credit score! Thanks first financial!
    Festy Glam
    Festy Glam
    2017-09-25T06:25:32+0000
    We have had a great experience with your company, they really help you when you need money on time. Thank you !!!
    Monica Saldana
    Monica Saldana
    2017-09-25T06:21:45+0000
    First financial is such a great company! Easy and fast!!! I recommend!!! �
    Stephanie Saldana
    Stephanie Saldana
    2017-09-25T03:23:27+0000
    Thanks First Financial for my loan. I'm so happy with the the company for approving me so fast and easy. Had a great experience with you.
    Carol Casas
    Carol Casas
    2017-09-25T01:32:03+0000
    First Financial helped me get a loan with no hassles and very honest company, try them out
    Joe Saldana
    Joe Saldana
    2017-09-25T01:27:28+0000
    Thanks for the money First Finacial it was a fast and easy to work with your company.
    Cynthia Castañeda-Collazo
    Cynthia Castañeda-Collazo
    2017-09-25T01:20:12+0000
    I got my cash fast in my bank account applying online you guys are great!
    Karla Gomez
    Karla Gomez
    2017-09-25T01:07:18+0000
    Alex Salbar
    Alex Salbar
    2017-09-25T00:58:02+0000
    3. My family is happy that First Financial gave us home loan approval, now we can start looking for our dream home thank you god bless.
    Victor Berumen
    Victor Berumen
    2017-09-25T00:45:27+0000
    1. Thanks First Financial for geeting me approved for my auto loan fast and easy. �

First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217

 

First Financial® is a Federally Registered Trademark

©1994-2017 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies.