Interesting Reads

Decision Making – There’s a 10 Percent Chance You’re Wrong

Theodore Roosevelt once declared, “When faced with a problem or dilemma, the best thing you can do is the right thing. The next best thing is the wrong thing. The worst thing you can do is to decide to do nothing.”

You must make a decision one way or another and be prepared to deal with the circumstances or fall out. People will follow a leader, a decisive leader, because – in reality – most people are afraid of making a decision on their own, unwilling to accept blame and responsibility for their actions.

Making decisions and living with the results of said decision will always keep you ahead of the curve and in front of the pack.

Yes, the possibility exists that you may fail spectacularly, but great courageous men realize that you must saddle up anyway, launch out into the deep, and do what other lesser men refuse to do.

Be wise. Use all available resources and sage advice to mitigate the damage of a bad decision, but decide anyway.

After reviewing all available options, go with your gut, believing in your heart that you are right and if proven wrong, resolve in your mind to live with the consequences and move on.

Winners and survivors do not tarry long in the valley of shambles caused by a bad decision.

They get up, they stand up and continue moving forward, because life only flows one way–forward.

Pastor T.D. Jakes of the Potters House in Dallas, Texas frames it:

“When confronted with a decision, be prepared after you decide that there is a 10 percent chance that you may be wrong, a 50 percent chance that you may be betrayed by a trusted confidante, but a 100% commitment in your heart to survive it all.”

You will win if you decide to survive today, so that you can thrive tomorrow.

TiffaniDecision Making – There’s a 10 Percent Chance You’re Wrong
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Why You Need a Business Checking Account

After incorporation, you need to open a business checking account separate and apart from your personal checking account.

This is done by taking your articles of incorporation to your local bank with all potential signers on the account.

For small businesses, it is advisable that you have at least two signers on the account in the case of illness or unavailability of one party.

As your business grows, it is advisable that you require two signatures on each check to guard against fraud and mishandling of funds.

It is suggested that you do business with a major national bank like Bank of America, Chase or CitiBank. These companies have the financial resources and strength to address your needs as your business grows more so than regional banks and credit unions.

It is also invokes a good mental image for a potential investor or customer.

Resist the urge to deal in a lot of cash transactions because, first of all, it draws of the attention of IRS and bank auditors. Secondly, cash is always subject to be mishandled either by theft or error. A documented paper trail is what investors will want to see on bank statements when they underwrite you for a loan.

Finally, you should always maintain a sizable bottom line balance in your checking account because it protects you from overdraft charges, possible closure of your account for too may returned items and ensures the bank manager that you are a viable, established entity.

Even though it may be inconvenient, you also should verify the validity of each check before depositing into your account. This will prevent headaches for you, your bank and your bookkeeper.


TiffaniWhy You Need a Business Checking Account
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Post-Hurricane Business Survival Loans

Greetings to you all!

As our region was just pummeled by one of the strongest storms in Florida history, we – at Global Business Lending– have recovered and our South Florida office has been restored to full power.

musical-notes-763192_960_720Ain’t no mountain high enough.

Ain’t no valley low enough.

Ain’t no river wide enough.

Can keep us from funding your business.



But, seriously, as a Florida-based business, we too know the struggle of our business being out of commission for days – whether it be due to power loss (like ourselves), closed roads because of fallen trees, building or equipment damage, gas shortage or employees unable to make it to work.

We are Florida. Yet, we are #FloridaStrong. Thus, Global Business Lending remains committed to our mantra – we are the true advocates for the small business owner. Subsequently, we would like to assist as many businesses who have been victims of Hurricane Harvey in the Houston, Texas area and Hurricane Irma in Florida in securing working capital this season.


Here are 3 ideas for you to obtain fast capital that should help out during this tough period in business:

  1. Have a Set Plan on How you Can Grow Quickly in 0-4 Months

We specialize in fast funding and we can secure emergency funds for your business within 48 hours of your request. The only catch is these funds must be used for things that will bring an immediate return on your investment. This is short-term financing which you must see as jump-start capital for your post-hurricane needs. Here are some examples. Fix a piece of equipment that was damaged due to flying debris. Fix a leaky roof in your restaurant so you can re-open in a few days. Hire or enable your human resources to manage an overflow of business due to the hurricane aftermath.  Whatever it is, ensure you have a clear, set plan to use these funds. This way, our investors are encouraged to lend you the funds you need as quickly as you need them.

  1. Demonstrate Strong Revenue Before the Hurricane

Whether your business may have had to shut its doors several days before the hurricane and/or several days after the hurricane, we definitely know your current revenue has been impacted by the storm.

Still, in order to be pre-approved for alternative loans like the ones we offer, your business must demonstrate a minimum of $6,000 in deposits monthly (at least for the last three months), very few negative days and a stable average daily balance in your business checking account. This may be hard to do since the storm because your clients haven’t paid you, your store had to remain shut, or you had to dip into your bank account more than usual to pay for unforeseen expenses.

If this is the case, we can still help you if you can 1) demonstrate consistent revenue in the months prior to the storm (whether that be 3-6 months before or even this time last year), 2) keep your current daily bank balance at least over $500 or 3) do anything to demonstrate income for the current month even if you have to make cash deposits yourself into your business bank account. Do these things and we will work hard on your side to get an investor interested in funding your business quickly.

  1. Be Okay With a Starter Offer

For some of you mid-sized businesses, we would genuinely love to offer you large amounts of capital to get you through this rough patch. However, as sad as it is to say, our investors and partners view hurricane victims as very high lending risks at this time. Therefore, in this lending environment, they just aren’t doling out cash to Houston and Florida businesses as they were in months past. Some are even shutting their doors on you.

Florida Strong - Global business Lending - Hurricane IrmaStill, we know your potential to bounce back because we’re in the same boat (forgive the pun ;-). And, because of that, we won’t stop fighting on your behalf as long as you meet us half way.

Every Houston business owner, every Florida business owner, it is our commitment to still get you an offer – BUT are you willing to accept a lower-than-average offer JUST FOR NOW?

Our advice: Take what you can get now. And, once you get over this hump, we will work hard to renew your loan a few months from now for something much larger. This way, at the very least, you’ve got your emergency funds now so you can keep trucking along like Hurricane Harvey or Irma never happened.

Bottom-line. We’re on your side. Let us help you help yourselves!

TiffaniPost-Hurricane Business Survival Loans
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10 Biz Facts for Small Business Week

This week marks the start of the official Small Business Week courtesy of the U.S. Small Business Administration. Here are 10 facts you may or may not have known about small businesses in the United States.

  1. Small businesses account for about half of all private-sector jobs in the United States, employing almost 58 million Americans.
  2. Miami is the No. 2 city for minority entrepreneurs in the United States.
  3. We fund small businesses in United States and Canada anywhere from $2,000 to $ 3 million.
  4. This year, the Small Business Administration named Florida Business of the YearSouth Dade Air Conditioning and Refrigeration of Homestead, Florida.  President is Paul Morrow.
  5. We love to fund AC sales and repair companies. Those companies have very consistent cash flow in Florida and are easy to predict their future receivables, which is what we use to factor funding amount, payback and terms.
  6. Every year since 1963, the President of the United States has issued a proclamation announcing National Small Business Week, which recognizes the critical contributions of American’s entrepreneurs and small business owners. Donald Trump was no exception, as he proclaimed the week to span from April 30 to May 6, 2007.
  7. A family-owned steel and manufacturing firm,QMF Steel, Inc., from Campbell, Texas and IO Environmental and Infrastructure, Inc., a service-disabled veteran-owned environmental remediation and construction firm from San Diego, California, have been named the National Prime Contractor of the Year and National Subcontractor of the Year by the U.S. Small Business Administration.
  8. Our favorite clients at Global Business Lending are construction companies and contractors. They are clients who need quick working capital who we can fund in less than 3 days. They even pay us back early sometimes due to the high-profit margins they have for their services.
  9. One of New York’s fast-growing small businesses was started by an ex-con who used his prison workouts to launch a small fitness studio called Con Body. Even tragedy can result in triumph for a small business owner.
  10. We love small businesses here at Global Business Lending…like ice cream loves cake, like sushi loves wasabi, like Prince William loves Kate. See if your small business can score a pre-approval with us today.



Tiffani10 Biz Facts for Small Business Week
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VCs and Crowdfunding Run Out of Gas in 2017

sharktankLast August, we posted a blog entry about the 3 Top Alternative Lending Sources for Small Businesses in 2016. However, a great deal has happened in the alternative lending space within the year which has knocked two of our top sources from their ranks…

In our blog post last year, we named venture capitalists and crowdfunding as two of the leading sources of alternative funding for small businesses. Just so you know. The rationale for using alternative funding sources such as these is that instead of applying for funding with banks – which have become far more discriminating since the recession in 2008 – a new small business with a clear business model can receive quick working capital without having to jump through hoops for a bank’s underwriter.

Now, in 2017, here’s why venture capitalists and crowdfunding are floundering within the alternative lending space.


  1. Venture Capitalists Are Pickier Than Ever

While many caught the Shark Tank bug within the past decade, small businesses were eager to pitch their “next big” idea, invention, product or service to venture capitalists like billionaire tycoon Mark Cuban or Canadian Mr. Wonderful Kevin O’Leary. Yep! But, if you didn’t get picked up a VC in the past year, then it doesn’t look good for you right now.

According to an April 24 article in, “in 2014 and 2015, mutual funds, hedge funds and other investors dropped billions into companies that these days seem a little too quirky to ever get to an IPO or buyout.”

Sadly, as of 2017, investors have shown more interest in a business that they can predict will make money going forward. As a result, the stats are in — investment in U.S. tech startups plummeted by 30 percent in dollar terms last year from a year earlier.

“It’s not that no one is getting funding — it’s just that everyone is no longer getting funding,” the article stated.

What great about venture capitalists is that they can flood a new company with millions for a stake in said company’s future earnings. However, what if the business never earns? The VC loses his/her shirt.

“There’s going to be a shakeout” for companies that can’t show a profit, said James Beriker, the chief executive of meal-delivery service Munchery.

And, what if the equity ask is too much of a sacrifice for the business owner? Working with a VC can be a raw deal for a new entrepreneur.


2. Crowdfunding Is a Hassle for the Small Investor

Crowdfunding uses a website and an email campaign to persuade individuals to each give a small business donation, either for the joy of seeing the business take off or for a profit share in the business.

Last May, Title III of the JOBS Act went into effect, making it legal for anyone to invest in a private company, opening up investing in willing startups to any American, according to Fast Company.

Over 600 crowdfunding websites like Indiegogo and The Lending Club cropped up to make the dreams of millions of aspiring entrepreneurs come to life around the world.

Mark Lynn is the co-founder of L.A. apparel brand startup DSTLD who raised $1.75 million from 1,698 investors through equity crowdfunding on SeedInvest.

Individuals could invest in DSTLD for upwards of $500, with the largest being $50,000, so Lynn viewed it as a viable alternative to venture capital fundraising.

“Let’s be clear, it’s not an easier way to raise money. It’s just a different way to raise money,” he told Fast Company.

It’s not easier, Lynn said, because like any fundraising, it involves many man hours in marketing the company, interfacing with potential investors, and filling out paperwork to meet regulations. In fact, companies looking to raise more than $500,000 must undergo a financial audit by an independent third party.

Payment methods were also very limited. DSTLD and SeedInvest signed on with FirstData, a credit card processing and payments company, to accept their first batch of investments on the site. However, FirstData froze the transactions.

“They had never seen anything like that before, transactions for an equity crowdfunding site. So we were in limbo for a month because we couldn’t process the payments,” Lynn said.

For a community of small investors, they don’t want their payments being held for a whole month. They don’t have the money to spare.


3. Why Merchant Cash Advance is the Answer

The industry of merchant cash advance has been around since the 1980s but truly took off during the last decade due to the recession in the United States. Small businesses who need loans can receive funds as low as $2,000 and as high as $3 million.

A business can be approved for a merchant cash advance at firms like Global Business Lending with the following minimum requirements:

  • Having been in business for at least 3 months
  • Having at least $6,000 in regular gross monthly deposits
  • Having an active U.S.-based business checking account
  • Having a clear vision and purpose for the funds to prove an investor will be paid back within the given term

The ironic thing about the switch in the lending environment is that MCA’s investors are the same hedge funds and private lenders who backed tech startups as VCs. Today, however, they are using their money to back the programs offered by merchant cash advance companies. The difference is that they don’t want equity. They want a shorter payback term.

It mitigates the risk for them because the pressure is on the new business to perform. No pipe dreams. No pie-in-the-sky business models. No top-heavy staff. Nice and lean operations are what business owners are encouraged to do with an MCA investment.

Last big difference: QUICK TURNAROUND.

While it might take months for a VC to make up their minds about your pitch or 60 days for a crowd to send in their donations, with an MCA, your business can be funded in as much as 5 days or in as little as 48 hours. It all depends on a business owner’s readiness and cooperation with an MCA underwriter who is train to work at lightning speeds.

TiffaniVCs and Crowdfunding Run Out of Gas in 2017
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Microlending: Is That Like a Merchant Cash Advance?

thumb8When you think microloan, you may think of funding a small shoe store in Kampala, Uganda or a grocery store in Phnom Penh, Cambodia?

And, while that may be true, you may not realize that small businesses in the U.S. and Canada can qualify for something very similar. It’s called a merchant cash advance.

TiffaniMicrolending: Is That Like a Merchant Cash Advance?
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Top 5 Ways to Prep your Small Business for the Holiday Rush

Sleighbells. Cranberry sauce. Christmas trees. Dreidels. The holidays are fast approaching and, for a small business, they are technically already here. If you’re just reading this, you literally have days to get in to gear. Act now!

TiffaniTop 5 Ways to Prep your Small Business for the Holiday Rush
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M&M Custom Cabinets Highlighted in Hispanic Heritage Month

joseAs we round out Hispanic Heritage Month in America, we look to the growing number of Hispanic entrepreneurs in the country, which stands at 3.1 million today. One of our clients – M&M Custom Cabinets – is a part of that growing segment.

Jose Mancillas, the founder of 4-year-old M&M based in Pasadena, Texas, has been working in carpentry for 18 years and always knew that he had a knack for it.

“Whatever comes to my mind, I can draw it right off the bat. I can make a rough sketch and make a rendering of the exact cabinet to scale,” he said.

Although born in Pharr, Texas, Mancillas lived between the United States and Mexico until he was in the fifth grade. He remembers watching his Mexican grandfather construct homes from the ground up and was always fascinated by fabrication.

“He was uneducated but he was totally self-taught, measuring, brick-laying, everything. He would put together a crew and they’d build houses in the area,” said Mancillas.

white cabinetAfter working in some of Pasadena’s plants as a teenager, Mancillas wanted to pursue something with growth potential – he tried his hand at mill work and carpentry at age 18. He was a natural and his maestros gave him the most intricate work to perform.

“For me, it was in my genes. What was hard for other people in this business was always easy for me. I always tell people, when you love what you do, it’s not work,” he said.

He said after 10 years of making another company millions of dollars each year, he made the decision to strike out on his own. That was 2013.

“I saw how my boss was living and I told him, ‘I want a piece of that,’” said Mancillas, just one of many Latino employees in America who decided in recent years to become an employer.

In fact, according to the 2015 State of Latino Entrepreneurship report published by the Stanford University’s Graduate School of Business, between 2007 and 2012, the number of Latino-owned businesses grew by 46.9 percent compared to just 0.7 percent for non-Latino owned businesses.

Mancillas claims that his unique style stems from, one, his ability to craft multiple-piece cabinet units for ease of rough sketchmobility of said unit and, two, the fact that he expedites assembly and installation due to careful planning.

“I provide exact dimensions and the client signs off on it. It expedites everything. I can come in and tell the plumbing and the HVAC guy where and what I want. I need the water here, the power here. When I come in, it’s not guessing. It takes a lot of thinking out of it for them,” he said, hoping to grow into a bigger shop with more staff by next year.

Unfortunately, though, one of the main reasons Latino businesses remain small is access to capital, revealed the Stanford study.

About 70 percent of Latino entrepreneurs claimed that their most common source of capital is personal savings, credit cards, personal bank loans and “friend’s loans.”

And sadly, according to the 2013 Kauffman Index of Entrepreneurial Activity, the failure rate for Latino-owned start-ups is higher than those founded by white or Asian entrepreneurs.

cabinet and sinkLatino-Owned Businesses Aren’t Well-Funded

There are a few factors for why Latino-owned businesses find it difficult to survive.

1) Latinos have lower median incomes compared to the median household income of all Americans.  The median Latino family has $13,730 in wealth, compared to $134,230 for the median white family.

2) Less than half of Latinos are home owners, while the national average is 65 percent.  This lack of capital and assets can impair an entrepreneur’s ability to invest in said business and procure traditional business loans.

dark wood cabinetThus, it is no surprise that only 6.1 percent of Latino-owned business in the Stanford study had financed their business with a commercial loan and about 2.4 percent had financed their business with a government loan.

In the face of this unfriendly lending environment, Mancillas worked with Global Business Lending back in August to help secure a loan for M&M Custom Cabinets.

He did not require a credit check to be qualified and he was approved for an uncollateralized loan.

“He had a healthy business and that was all that mattered to our underwriters,” said Dart Reed, account executive at Global Business Lending.

Mancillas said that with his loan he plans to purchase a new formaldehyde-free wood that is healthier for his clients and – with it – he can attract higher-end clientele who desire a home free of toxins.

“We let our customers know that we have this wood available as an option,” he said. “When they sell their house, it adds value to it.”

closewhitecabinetHe claims that for a growing business like M&M Custom Cabinets, “having the new material makes you first in line, a leader in the industry.”

From the outset, he said that Reed helped stay on top of everything until he was funded, crediting Global Business Lending with a fast turnaround – “it took two days and it was done.”

“We’re trying to be leaders in our industry and Dart is a leader in his,” he said.

For more information about M&M Custom Cabinets, visit their Facebook page here.

Use #HispanicHeritageMonth #gblsuccess #m&mcustomcabinets to post on social media

TiffaniM&M Custom Cabinets Highlighted in Hispanic Heritage Month
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Lifetime Jewelry Highlighted on National Business Women’s Day

Karen and LizaToday, more than 9.4 million firms in the United States are owned by women, so it is most apropos that the U.S. marks Sept. 22, 2016 as American Business Women’s Day.

To join in the festivities, we pause to highlight one of our star clients – Lifetime Products Group, owned and operated by two vivacious women Karen Kueter and Liza Mossing.

Lifetime is an online retailer of high-end crafted gold fashion jewelry, which they manufacture and package out of Silicon Valley, California. They use a special proprietary formula to overlay semi-precious metals, making each item look like real gold.

“We plate it enough for it to last for a lifetime,” said Kueter, who has been in the jewelry business for almost 30 years. “But, if it does wear, we replace it as many times as necessary, no questions asked.”

The company has only had to replace less than one percent of their merchandise to date and has maintained 4.9 stars over the past few years on Amazon because “we really take care of our customers,” said Kueter.
Much of the reason for their success is that instead of plating metals such as steel, copper or nickel, which may cause allergic reactions or turn green over time, Lifetime uses real 24-Karat gold to plate a semi-precious blend of higher quality metals – their trade secret.

From bracelets to chains to earrings, Lifetime began selling their wares on Amazon just two years ago and is now one of the top 10,000 Amazon USA sellers. Their products range in price from $25 to $120.

“We want people to pay for something that looks beautiful without having to spend a million dollars,” said Kueter.

This month, Kueter and Mossing received a business loan through Global Business Lending, which they are using to prepare merchandise for the holiday rush.

“We need 2 months to make it happen. It’s going to be very large volume this year. We were caught flat-footed last year and we didn’t want that to happen to us again,” said Kueter.

IMG_2685She and Mossing own a company that employs 20 individuals at the factory level and 6 at their packaging office, contributing toward the 14 percent of employment generated by women-owned firms in the United States.

In fact, as of last year, women-owned firms produced $1.5 trillion in sales, accounting for 12 percent of all revenues.

“I have to be honest. I never wanted to be a business woman. I always disliked business as a kid. I thought it was dispassionate and not human. I never wanted to go to bed saying, ‘I made all this money,’” said Kueter. “I just like that people love my product and I do everything I can to make them happy.”

She recalls the story of a woman who ordered a rosary from her company, but in their conversation, she sensed that something wasn’t quite right.

“I asked her what was wrong and I found out that her son had been murdered. We ended up having a heart to heart talk. I made sure things were all right and we became friends,” she said. “I like to do business that way. It’s about people instead a big corporate thing.”

She saw much of the same affirming traits in her account executive Tracy Chatman when she first applied for working capital through Global Business Lending.

“I was expecting to be dealing with a person who was not so friendly or helpful.  The relationship is actually completely opposite.  She treated me like a human being…with kindness and the intention of helping me because she could see I needed it,” said Kueter.

Kueter sent Chatman samples of her rope chain necklace, valentine’s heart locket on chain and other best-sellers for her to get a closer look.

“Her samples were beautiful and they gave me a better understanding of Lifetime’s products and the potential the company has; I was very impressed, and at that point, I was able to envision the company goals and scout the best loan offer for the business,” said Chatman.

It wasn’t simply the fast turnaround, approval amount and terms that won Kueter over in the end, but it was Chatman’s winsome personality and genuine interest in her as a client.

“[Tracy] is actually the reason we went with Global Business Lending – because she is personable and a real joy to work with. I like to do business with people who care and I can see she does,” said Kueter.

For more information about Lifetime Jewelry, visit their Amazon storefront here.

Use #AmericanBusinessWomensDay #gblsuccess #lifetimejewelry to post on social media.

TiffaniLifetime Jewelry Highlighted on National Business Women’s Day
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9 Apps to Solve my Small Business’s Ninety-Nine Problems

block_1A small business can go in and out of binds and lurches daily; however, in 2016, these problems can be solved more and more by the use of integrative digital devices and technology applications. We’ve compiled 9 of the most common problems we have heard voiced by small businesses with which we work and…today’s your lucky day…we have found a solution for each by employing 9 very useful applications. They all can be downloaded on computers, tablets and smart phones.

Here are the 9 apps to solve a businesses’s most common 99 problems:

1. You need a digital copy of my biz docs? What?   CamScanner or Scannable for IOS platforms are great mobile apps designed to make high quality document scanning easy for you using your smart phone. Say, you need to take a quick scan of your social security card, your business ownership docs or your W2s, these apps are much better than just taking a mere photo with your phone. These scanning apps are really quite sophisticated, making it easy to scan multiple pages into one document or to auto-crop the image to exactly what you wish to keep. Cost: FREE


business problems2. I have a really hard time communicating with my staff.  Download Slack. It’s best when you can use an internal messaging system for your team that they can download onto their desktops and smart phones and use on the go. Slack is just that! You can invite your staff to join your work team and can remove them if they ever separate from the company. Sharing documents is also as easy as 123. Slack enables you to share all types of files, even those stored outside of the solution itself. Cost: FREE


3. I don’t have an accountant. You may not have an accountant on staff yet, but that doesn’t mean you’re not empowered to do your own bookkeeping. If you’re looking for an easy way to track your sales and expenses or balance your bank accounts, QuickBooks’s accounting software will help and it’s easy.  You can also use it to view profit-and-loss reports, pay your employees and vendors and track unpaid invoices. It connects directly to accounts like your business bank account, credit cards, PayPal and Square and uploads the data from these sources right onto its platform. COST: Free Trial $13/month


4. I need to check RIGHT NOW if my account has gone negative. Then, you definitely need to download one of the mobile banking apps provided by the 100+ U.S. banks for their customers. Some of the banks that have some of the better mobile apps are Capital One, Wells Fargo, Bank of America, Chase, CitiBank, TD Dank, USBank, BB&T, SunTrust and PNC. With these apps, you can check your balance in seconds, transfer funds, verify if a deposit was made and contact a customer service agent at the touch of your fingertips. It’s super beneficial when applying for a merchant cash advance or when you need to verify financial records quickly. Time delays business. So, the amount of time it may take you to get in front of a computer to go online, or worse yet, walk into a branch, your mobile app could have saved the day. COST: FREE


5. I don’t have a record of all my kajillion passwords.  –  Evernote helps keep them all in one place. Which super genius is going to remember his password for Capital One and for AT&T and for Apple ID and for LinkedIn and for all other online portals that keep his life together? With Evernote, you can clip bits and pieces of information from the web, tag them for easy searching, and alter any of them by adding to it, condensing it, or embedding pictures, tables, audio, video, and the like. COST: FREE


6. I need to scale my biz by hiring qualified staff quickly.Indeed. Nuff said. With over 100 million unique visitors per month, Indeed is the quickest and most affordable job advertisement site around. If you’re looking for quick responses from quality candidates, it definitely beats LinkedIn, Monster, Careerbuilder and even Craigslist. It has an easy-to-use interface, info on company and industry trends, and it’s free to post on their site. Indeed posts your openings on Twitter and Facebook also at no cost. It offers a pay-per-click service that posts your job on over 25,000 partner sites, charging you only when a candidate clicks to view your post. COST: FREE to post


7. I need some quick cash in my business account and my credit card is all I have.  Venmo is your answer. While you may have to pay upwards of 20 percent to get a cash advance from your credit card when you’re in a bind, Venmo is a new online payment system similar to PayPal but works MUCH faster. While you may have to wait for 3 days for a PayPal transaction to hit your account, Venmo payments hit next day. Here’s a trick: Request the cash you need from your business partner. Have them pay you with your business credit card. The cash hits your account the next day and you only get charged 3% by Venmo. COST: FREE 


8. I wish I could update my social media by ONLY going to one place. Well, HootSuite is the tool of choice for many social media professionals and small businesses. Using HootSuite, you can send out the exact same message to every platform – Facebook, Twitter, LinkedIn, Google+ and others – at one time. Whether that means a particular sale, promo or company announcement, you’d like to make across social media, it saves loads of time for a busy business owner. Cost: FREE for 5 social profiles


9.Rats! I left an important doc on my work computer.  TeamViewer is your first option. It gives you access to a computer from another device. Just download it on that computer and leave it running. Remote desktop access, hands down, is a necessity to keep in touch with the files on your desktop and manage them from any possible location. It also helps your IT guy help you troubleshoot your issues remotely. Being able to log into your office computer when you’re at home or on-the-go makes an entrepreneur’s life so much easier. Just use your tablet or phone and you have access to all of your work docs and then can email them to yourself or another. COST: FREE


Here’s the infographic for you to share:


Tiffani9 Apps to Solve my Small Business’s Ninety-Nine Problems
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