Indivisible is transforming how businesses grow and creating an experience that puts our small business members first. We form a true partnership by absorbing the upfront capital risk and getting paid … Continue reading “Transforming Business Growth Through Technology, Data and Design”
Indivisible is transforming how businesses grow and creating an experience that puts our small business members first.
We form a true partnership by absorbing the upfront capital risk and getting paid only for the performance we generate. Our all-in-one approach combines capital, strategy, talent, and execution.
Buy equipment, reach new customers, optimize your supply chain with no up-front costs.
Retain full ownership and control. We don’t take equity, board seats, collateral or personal guarantees.
Advice & Execution
Equip your team with industry-specific operating experts to drive significant & measurable results.
Repay the investments plus a pre-agreed return. No surprises or hidden
fees, just simple & fair.
Being serious about your financial future is a nice step to make. Many people are just drifting in their lives, not thinking about the implications of their spending habits. They also borrow money relentlessly and sink in the quagmire of debts. If you’re getting tired of your cash runs out, then perhaps it’s time to boost your finances.
Here are four simple methods that you can try:
Raise Your Monthly Income
Your financial future can be determined by how much you make each month. If you barely scrape by, then you need to raise your income level. There are countless ways to do this – you just need to be patient and creative. With the help of the Internet, you can take numerous online jobs and freelance projects. Each project you accomplish can definitely raise your income. You can also try selling stuff if you want to control your time, resources, and cash flow.
Repay All Debts Quickly
Debts are boulders that will stand in your way. Therefore, you must do everything to repay all of your debts and get rid of them. It won’t be easy, but you have to plan ahead and start today. Don’t apply for loans unless you truly need them or you can use them as capital.
Invest First Then Save
While many people are focused on saving, the wise ones understand the power of investment. You can save bills and a few coins, but do your best to acquire investments like paper assets, online assets, and other valuable items. Savings do not beat inflation – investments do.
Be a Smart Spender
Yet, even if you managed to raise your income, your poor spending habits can still drag you down. So, you need to be a smart spender. Instead of buying that designer shirt you want, try considering other cheaper options. You should ask yourself if you need to buy a specific item instead of spending it on food or necessities.
Your financial independence depends on the strategies that you’re willing to apply. At first, it’ll be difficult to make good financial decisions, but you need to press on. Once you managed to boost your finances significantly, your life will take a positive turn.
A business credit card can bring a lot of advantages for a business. It can help in keeping track of the employee’s expenditure and monitoring if they are going beyond what is allowed to a point where the business takes advantage of the reward points it generates for all the expenditures the company and its employees take.
Fast cash loans or business credit cards are also becoming a necessity that can be used in conveniently paying for services or purchasing goods from suppliers. But how do we identify if a business is ready to get a business loan or credit card? Here are a few points that the business may consider before getting one.
- The need to stay organized
When you identify that you need a more organized way of keeping track of your expenses, a business credit card can help. A business credit card comes with the use of an accounting software tool that will help you manage the expenses your business may have. And if you issue business credit cards to your employees, their company related expenditures will be tracked as well.
- The need to build credit
One good way for a business to build credit is to maintain a business credit card. This gives you an advantage of increasing the business’ credit scoring. A business credit card expenditure can be reported to a business credit reporting organization who will keep track of the business credit standing.
- The need to delegate spending
Issuing a business credit card to employees allow you to delegate and monitor spending for one person. This may be in the case of a group activity where avoiding multiple expense reports that need to be filed by each employee. Issuing a business credit card simplifies the expense reporting under a single account. Also, with the accounting software tool that comes with the business credit card, it simplifies the bookkeeping as well.
- The need to purchase protections
Finally, there are certain purchase protections that business credit card issuers offer. They may refund items that are purchased and damaged, extend warranties or even reimburse purchases even in cases where the merchants do not accept returns. Purchase protections can be advantageous to the business and its owners.
Before setting up a business, there are some questions that you need to answer first: Are you willing to finance your own business from your personal assets? Or is applying for a business loan a more practical approach? If you choose the latter, it is important to review your credit history first.
Having a bad credit must not stop you from setting up your own business, though it cannot be avoided for the credit history to be reviewed whenever applying for a loan. This review would play a role in determining whether your application for a business loan would be accepted or rejected.
A good credit history can help you qualify for a loan with great rates, terms, and conditions. On the other hand, if you have a bad credit history, you do not have any choice but to settle for a bad credit loan. A bad credit loan is designed to help people who have a bad credit history. Unfortunately, not every lender offers these kinds of loans. However, do not take that as an obstacle that you cannot overcome but it must motivate you to look for who are willing to offer bad credit loans.
It is natural for the lender to charge a higher rate of interest for people with bad credit history since these people are considered to be a risk factor in lending a loan. You must be prepared for the higher cost of closing costs, processing fees, and others as compared to a normal loan. However, you will be assured that your application will be accepted even if you have a bad credit score; this is a definite advantage despite the high rate of interest. If you review and compare the loans, almost all of them are similar to substandard ones, but you must understand the reality that because of your bad credit score, these loans are the only chance you have. There is no other lender who would accept your application.
You have the option of applying for a secured loan to help improve the chances of the application to be accepted. In a secured loan, the borrower is required to pledge a type of security when he or she applies for a loan. By doing so, the lenders would not be at risk. In the event that the borrower defaults on the payments, the lender can easily retrieve the amount. There are several lenders who are more open to the subject of a secured loan and it might not pose a difficulty for you to convince a lender in spite of your bad credit rating.
You can also improve the chances of your application to be accepted by building credit worthiness before applying for business loans. You can do this by never defaulting on payments, keeping your banking transactions and others free of errors. I have done all of this, then you can apply for a loan. This only shows that despite your bad credit history, the recent pattern in your transactions is developing healthy payment habits. Creditworthiness is the most important determining factor regarding the issue of the chances of your loan getting approved.
Finally, once your loan has been accepted, the last thing you are required to do is to always make sure that you make your payments on time. Doing so would somehow clear your bad credit history and allow you to apply for proper loans and not on bad credit loans.
There are more Software-as-a-Service (SaaS) tools available for small businesses than ever. This is why many business owners get overwhelmed on which SaaS to use. From accounting to customer relationship management, there is a software to help you out.
Here are some must-have SaaS tools for your business.
Your team members need to collaborate. Slack is more than just a regular chat app. It makes file sharing and app integration easier for everyone to catch up especially if your project involves other software platforms.
This app is an online scheduler that lets your offshore team members, clients, stakeholders, or partners to select the time slots they prefer to meet with you. It can be served in a wide variety of situations and professionals such as consultants and freelancers. You can even embed it on your website.
Customer Relationship Management (CRM)
There is a myriad of CRM and many of them are excellent too. Your choice must depend on how your business operates and your budget. CRMs are applications that let you communicate and build the relationship with your clients based on customer data from multiple interaction channels.
Email service providers are now more user-friendly than they used to. Most companies also give you access to autoresponders. This gives allows you automate certain responses to the customer in a certain buying stage.
Time is money and as a business owner, you will want every member of your team to work as they are accounted for. This way you can keep track of their productivity and keep tabs on how much you have to charge them on every project.
Zoho Social tool can help you grow your brand’s presence in social media as it lets you reach the right audience at the right time. You can manage multiple social networks, monitor keywords, and schedule posts from a single dashboard.
Small, medium and big enterprises are getting more dependent on SaaS to keep up in the competitive industry. From the 24% of small to medium businesses using SaaS, the number has grown to 94% by the end of 2017.
Companies with at least 10 employees to firms with 100-249 employees have expressed that they animate the number of SaaS applications they are using will increase within their organizations or within the small business.
SaaS is often utilized to access and edit documents, to store data, and bring better customer service and messaging. And each year, more SaaS becomes available to give more convenience and automation to businesses.
With SaaS, you can even automate inventory management, Enterprise Resource Planning, customer service, and Customer Relationship Management. SaaS will just continue to become more popular especially that it is cheaper, flexible and more accessible.
SaaS is also known as “web-based software,” “hosted software,” or “on-demand software.” The payment is based on the subscription and hosted in the cloud. There is no need to buy a software that you have to install in your PC. You can access SaaS anytime, anywhere and with any device. It has the flexibility that the traditional software can’t provide.
Since small business owners only pay for the subscription, then you don’t have to pay for an installed software that you end up not liking at all. There are also SaaS tools that offer free trials for a month.
SaaS can provide more major benefits. If you don’t get satisfied, then you can just shift to another SaaS tool. This way, once you purchase a software, you already know how to use it and if it really fits the purpose.
If you like the SaaS, you can adjust your subscription. The larger the package or the longer your subscription, the more discount you can also get.
Creating a budget for your digital marketing campaign is not a simple feat. You have to consider multiple factors and metrics in order to have a flexible budget that won’t compromise your progress.
Here are some of the best strategies that can help you formulate an excellent digital marketing budget:
Create a Detailed Plan
One of the common faults of business owners is lack of a concrete digital marketing plan. This plan should cover important budget issues and other areas that need some active spending. As much as possible, there should be enough room for adjustments in the plan.
Digital marketing is always shifting, and strategies might change every now and then. With a change in strategy, there will be a change in the budget as well. If your plan is detailed and flexible, you’ll have minimal problems later on.
Set Important Milestones
In every plan, milestones should always be included. A milestone determines that your team has reached a specific goal, and it’s time to aim for the next one. Milestones will also let you calibrate budgeting strategies accordingly. If a certain milestone was compromised by poor budgeting, then you can make amends for the next one. To properly set milestones, everyone in your team must be aware of the campaign’s overall direction.
Focus on Effective Strategies
The realm of digital marketing is confusing, especially if you’re new. There are so many things to worry about and too many metrics to cover. Every now and then, strategies rapidly change, depending on the state of the market. A good example is Facebook ads monitoring.
Nowadays, it’s almost ineffective to use Facebook ads if you don’t have a large budget. Priority has shifted to external social media marketing strategies and other tactics. To get the most from your digital marketing budget, you should focus on effective strategies. These are strategies that really matter.
Review the Plan Constantly
Once you already have a strong digital marketing budget plan, you should review it prior to implementation. A constant review process will help you and your team in foreseeing any major changes down the road. If ever you need adjustments, reviewing the plan is essential. Don’t be afraid to make changes, especially if it will boost your digital marketing campaign twofold.
By allocating your company’s digital marketing budget properly, it’s easier to get efficient and measured results. Expenses will also be tracked easier, and you don’t have to worry about budget miscalculations.
Digital marketing trends will always be on the limelight. Every now and then, professionals spot trends that are very useful for campaigns. But how about tactics? Basically, tactics are maneuvers that you can use for the advantage of your business. Trends, on the other hand, are powerful business-changing events.
Here are the significant points about trends and tactics:
Most Tactics are Evergreen
You probably heard about the benefits of evergreen content strategies. Actually, being evergreen is not just useful in the field of content. It’s a general benchmark which can measure how valuable your campaign is. If your campaign is focused too much on trends, you might miss some special milestones. This can lead to overlooked KPIs which – in turn – is translated to lost sales. Most, if not all, tactics are evergreen – nothing can change this fact. One tactic has the potential to work for a long time, and another one must be properly revised. Trends are your guidelines for revising tactics.
Trends Are Risky
Take a quick glance at the boom of Facebook ads. When the ads were peppered all over the social media platform, businesses thrived, consumers connected, and everyone is happy. Now, ads have become less effective due to the ever-changing arena of digital marketing. By focusing on Facebook ads alone, you’re embracing risk. Implement trend-based strategies one at a time, and do not bank on them! If you understand that trends are risky, your campaign will become more flexible.
You Can Adjust a Tactic
Trends are beautiful, even if they’re not. Once a certain group suffers from the upswing or downswing of a trend, another group benefits from the change. It’s just the flow of life. But this strengthens the shaky impression that trends are uncontrollable. Tactics, however, will give you a larger degree of control. You are the head honcho who calls the shots. With trends, you’re just a proud speculator, but that’s not totally a bummer.
Trends Are Short-Term
Some may argue, but we can’t deny the fact that trends are short-term. Whenever someone discovers a magic bullet, you’d feel its effects – then it would fizzle after a month or two. You should be prepared for this; otherwise, you and your team will be shocked with the after-effects. It’s like a tremor that couldn’t have broken down your walls, but it did because you were poorly prepared. Pro tip: list down the short-term trends that you know, and then devise strategies on how to tap them.
If you’re going to look at the big picture, balance is the main factor that would make digital marketing tactics and trends work. By combining these things, your digital marketing campaign will have greater effects, thus benefiting your business as a whole. So, meet up with your team and start discussing possible trends and tactics!
Infopreneurship – the combination of information and entrepreneurship – is becoming a powerful business model over the years. There are many factors that are attributed to this rate of growth, such as malleability, dynamics, and strategies, ease of access, client engagement, and market status. Many ‘inforpreneurs’ who entered the business began by selling eBooks and premium content to their readers. Now, most of them have moved to coaching.
If you’re planning to enter the exciting world of infopreneurship, you should ponder about the products that you’re going to sell.
Ebooks and Content
It’s advisable to start in writing eBooks and other kinds of content. This is the phase where you will build the popularity and client base of your business. You can try writing and selling eBooks about the skills and experiences that you have; eventually, people will see the value of your writing and they will subscribe to your business. To have them completely hooked, try making monthly newsletters about interesting stuff.
In the Web, you can find numerous video creator programs that will allow you to make your training and consultancy videos. Once you have your videos ready, you can now sell them to interested subscribers. You can also give out free videos to your subscribers as token of your gratitude. You can learn more about this method by visiting the websites of popular infopreneurs and online coaches.
Training programs are advanced products and modules that may need years of experience before you can actually sell them to people. You can choose to sell your programs to anyone in the demographic, or you can settle for group training sessions – it all depends on your business strategy. Keep in mind that training programs will take time, effort, and discipline. You may also need the help of other people to give honest assessment of your programs.
Like any other business, infopreneurship will require long-term planning for it to become successful. You also need to know the level of competition within your niche. In this way, you can gauge the proper strategies that you need to apply every now and then.
If you need a Singapore business loan, yet you worry that you can’t repay the interest rates, I assure you that you have come at the right place. Cash Mart is a competitive moneylending firm that makes sure your loan interest rate is as low as it can get.
Cash Mart is known for helping people get back to the good financial track. They can do the same for you while they guarantee that you can afford our low-interest rates with your current salary.
In Cash Mart, they aim to help you with your temporary financial set back without giving future worries on repayments. They not only let you have cash when you need it, they also offer low-interest rates that fit your income level.
As a licensed moneylender who had been in the industry for more than 45 years, they know that interest rates are one of the borrower’s main concern. Let them take that off your mind as they are also competitive, making sure that the interest rates are low enough to pay while still being able to make ends meet.
Professional and confidential
When it comes to the confidentiality of your credit and other transactions, be assured that everything will be kept in private. One should value the fact that you had chosen their services so in Cash Mart they treat their clients with the utmost professionalism and they are even willing to put our clean track record on the line. Let them prove that they are worthy of your trust.
Being in the money lending business for a long time, Cash Mart can boast its well built reputable name compared to its competitors in microbusiness and personal cash loans at the Philippines and in Singapore.
Be assured that your personal information will be kept confidential just like the thousands who enjoyed the service. They always value your confidence, this inspires us to safeguard your information at all cause.
Cash Mart devised various choices on repaying your loans. You can choose from different repayment schemes and start paying though online, banks or our office. Repayment has never been this easy, especially for working parents.
They have a lot of specially made services that can fit your needs and wants. They also understand that another concern with loans is the repayment.
Our team developed a repayment scheme that can be done anywhere like in a bank or in the comfort of your own home with a personal computer or a laptop. You can now repay loans at ease.
With Cash Mart, experience topnotch service and pampering. They can approve your loans in a jiffy, and you can repay at ease. They value your time and effort, so they have devised repayment schemes that are easy to follow. Not only are the scheduled repayments light for the budget, you can also pay through banks, online or personally in our office.
Unlike the traditional way of processing loans, this licensed money lender does not require a collateral. The loan may be smaller than others but the interest rates are lower too.
Despite having no collateral needed, potential borrowers may expect high valued service from our team. They do not ask for your ATM cards or valuables to get your loan to approve, but they can give you loans for emergency needs.
Since they are already in this business for a long time, they know that not all can provide a good collateral. Do not worry. Though they have flexible loans that do not require a collateral, you can still expect high-quality service and quickly approved loans.
Cash Mart is a competitive licensed moneylending firm with confidence that they can help out clients with any income level. If you thought that it would be hard to get a loan with a low income, they are willing to give a hand and loan as much as 8 times your monthly income. Just present your positive credit score and you are good to go.