The 5 C’s of credit are character, capacity, capital, conditions, and collateral. Together, these serve as a way for lenders to evaluate the creditworthiness of potential borrowers. Banks and lenders generally look at your ability to repay, level of debt, how you plan to use the funds, and the collateral you have to offer. The…
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Hard Money Loan Rates, Points, & Costs
Hard money loan rates can range from 7.5% to 15% with three- to 36-month terms. Points to close on hard money loans typically fall between 2% and 10% of the loan amount. Pricing is primarily based on risk, equity, and borrower experience (if a fix-and-flip). Unlike conventional underwriting, hard money lenders develop their own guidelines….
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Is a Corporate Credit Card Right for Your Small Business?
A corporate credit card is best for businesses that have $4 million+ in annual revenue and $250,000+ in annual card expenses. The primary benefit of a corporate credit card is that company owners have no personal liability. Since the balance must be paid in full each month, there is no APR. If your business isn’t…
5 Types of Customer Satisfaction Surveys + Free Templates
A customer satisfaction survey is a questionnaire that businesses send to shoppers after they have made a purchase or received a service from your business. There are five different situations in which businesses would want to measure customer satisfaction. Each serves a different purpose, so it is important to ask the right questions. Free Customer…
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What Is an HRIS/HRMS: Definition, Cost, Features & Providers
HRIS stands for human resources information system, which is also sometimes called a human resources management system (HRMS). An HRIS/HRMS centralizes employee-related information, helping businesses keep track of employee data, job data, and many other employment and HR compliance records. Costs for these systems vary widely based on features offered and your employee headcount. Payroll…
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What is a Lien on a House or Property
A lien is an unpaid debt attached to a property that complicates the sale of the property until it’s resolved. While mortgage liens are voluntary and expected, other types of liens can keep you from having clean title to your property. Mechanics lien, tax lien, and a judgment lien are involuntary and must be resolved before…
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BombBomb: Pricing, Features & How to Make Stellar Videos
BombBomb is a video editing and marketing tool that helps you create and share videos with leads via email, text, and social media. BombBomb plans are priced between $468 and $1,499/year and offer a range of video and email marketing tools. Choose the BombBomb Prompt plan for real estate-specific video tools and comprehensive email marketing…
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How to Use Pinterest for Business in 13 Steps
Businesses use the Pinterest platform to communicate with customers and prospects and grow an engaged following. Companies typically do this through a combination of organic posts and paid ads that drive users off-platform to a specific piece of content or landing page. Businesses that are visual brands should strongly consider using Pinterest. Once you add Pinterest…
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How to Create an Ad Using Facebook Ads Manager in 6 Steps
Facebook Ads Manager is an advertising platform where businesses build and manage ads that display on Facebook and its advertising network. Advertising on Facebook is a cost-effective way to find and connect with your ideal customers, helping you increase brand awareness and drive sales. How Facebook Ads Manager Works Facebook Ads Manager lets you create…
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Mutual Funds: What They Are & How to Invest
A mutual fund is a professionally managed investment fund that holds a diversified basket of stocks and bonds. Using mutual funds, investors get more diversification, which lowers investors’ risks of losing money. Mutual funds are also more cost-efficient than buying individual stocks and bonds, making them ideal for investors who don’t have millions to invest….
Irrevocable Life Insurance Trust (ILIT) & Succession Planning
An irrevocable life insurance trust (ILIT) is a trust that serves as the owner and beneficiary of a life insurance policy. A life insurance trust helps wealthy individuals to protect assets and avoid estate taxes, and is a succession planning tool for small business owners who want to transfer a business to heirs or partners….
6 Best Real Estate Direct Mail Services
Real estate direct mail marketing (sending printed postcards or brochures through the mail) helps real estate agents reach potential new clients. Direct mail campaigns also build awareness, reinforce online marketing, and help agents stay top of mind with buyers and sellers. We reviewed 14 services and rated six the highest based on price, delivery, and…
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