Using a personal credit card can seem complicated, especially if you’re working to build credit. It’s a balance between spending enough to build your credit history, but not overspending and going into debt. Challenging? Sure, but definitely not impossible. Here are our five tips for using your credit card responsibly.
The U.S. Small Business Administration (SBA) helps small businesses lock in funding by setting guidelines for loans and reducing lender risk. SBA loan programs provide financial support to small businesses by helping build capital, recover from disasters, purchase real estate, and more.
Before you can begin to control expenses en route to lowering them, you must know where your money is going. Numerous financial management programs are available to help you keep track of your expenses, but they won’t help unless you or your business manager enters the proper information.
Cybercriminals are targeting small businesses with increasingly sophisticated attacks. “Corporate account takeover” is a form of identity theft of a business. Criminals send phony emails pretending to be someone you know to trick you into clicking on links or attachments that can lead to malicious software being installed on your computer. Once this happens, they will ask you to enter credentials where they will gain access to your email account. At that point, they will send emails to the bank appearing to be from you to initiate ACH and wire transactions.
Ransomware is a type of malicious software that locks up your files so that you no longer can access them and demands you pay a ransom to unlock the files. Paying in Bitcoin or cyber currency gives the cybercriminal anonymity and cannot be traced.
Unfortunately, email hacking is one of the most common instances of cybercrime these days and something that probably has affected all of us at one point or another. Fraudsters are becoming increasingly virulent in their ability to hack into your email.
Selecting the proper loan product for your business depends on what you need the money for and how you intend to pay it back. Here are some quick facts about each product.
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