Credit cards are fast becoming a business necessity. They’re flexible, easy to use, convenient and offer users the ability to track and make purchases instantly, anywhere in the world.

We’ve spent some time analyzing credit cards aimed at businesses and have put together a list of our top 8 reasons to use a company credit card, but first compare this real time updated assortment of business credit cards.

Top 8 reasons to use a company credit card.

        • Easy tracking of expenses and purchases – Using a credit card for business purchases makes it easier to track expenses. The majority of credit card providers offer comprehensive expense reporting (both online and off) which can save you countless administration costs and a lot of hassle.

 

        • No more petty cash – Petty cash used to be the most popular way to pay for small, incidental purchases but the days of the petty cash tin are well and truly over. These days it’s more common for companies to make purchases online or over the phone. Providing key staff members with a credit card that’s attached to a business account means you can make instant purchases and reconcile expenses quickly and easily. 3. Rewards and incentives. The majority of business credit card programs offer rewards and incentives for users. Organizations can save money on a variety of goods and services from petrol to air travel, insurance and other professional services.

 

        • Build business credit – One of the most important reasons for applying for a business credit card is to build your business credit. This will come in handy if you need to take out a business loan in the future. Responsible use and a consistent payment history will be great assets to your credit rating.

 

        • Separate business and personal finance – If you’re a small business owner you’ll know how important it is to separate business and personal finance. Having a business credit card will help with this division and will come in especially handy around tax time. Remember to keep your accounts separate and don’t be tempted to make personal purchases on your business credit card (or vice versa).

 

        • Large purchases or unexpected expenses – There may come a time when you need to buy supplies, make a one-off payment or pay a large bill. Business credit cards help you to make these one off payments quickly and are more convenient than applying for a business loan.

 

        • Embrace the quiet times – Cash flow is a major concern for all businesses and even more so if you have employees or creditors that rely on your payments. A business credit card can help you cover the quiet times and the seasonal lulls.

 

        • Say goodbye to cash – Having cash on-site or carrying it around with you is not a good idea. Business credit cards reduce the need for ready cash making your business less of a target for theft or loss.

 

  •   If they’re used responsibly, business credit cards can help you run your business more efficiently and even save you some money.  Why send an employee across town to pick up an item?  With a business credit card  you can buy online and get the item delivered or express mailed the next day.
Find more info at the credit card comparison website; Credit Card Researcher, including  business credit cards. Australia’s best credit card comparison website. Article from articlesbase.com


Alternatives to Business Credit FacilitiesCredit cards are fast becoming a business necessity. They’re flexible, easy to use, convenient and offer users the ability to make purchases instantly, anywhere in the world.

We’ve spent some time analysing credit cards aimed at businesses and have put together a list of our top 8 reasons to use a company credit card.

Easy tracking of expenses and purchases – Using a credit card for business purchases makes it easier to track expenses. The majority of credit card providers offer comprehensive expense reporting (both online and off) which can save you countless administration costs and a lot of hassle.
No more petty cash – Petty cash used to be the most popular way to pay for small, incidental purchases but the days of the petty cash tin are well and truly over. These days it’s more common for companies to make purchases online or over the phone. Providing key staff members with a credit card that’s attached to a business account means you can make instant purchases and reconcile expenses quickly and easily. 3. Rewards and incentives. The majority of business credit card programs offer rewards and incentives for users. Organisations can save money on a variety of goods and services from petrol to air travel, insurance and other professional services.
Build business credit – One of the most important reasons for applying for a business credit card is to build your business credit. This will come in handy if you need to take out a business loan in the future. Responsible use and a consistent payment history will be great assets to your credit rating.
Separate business and personal finance – If you’re a small business owner you’ll know how important it is to separate business and personal finance. Having a business credit card will help with this division and will come in especially handy around tax time. Remember to keep your accounts separate and don’t be tempted to make personal purchases on your business credit card (or vice versa).
Large purchases or unexpected expenses – There may come a time when you need to buy supplies, make a one-off payment or pay a large bill. Business credit cards help you to make these one off payments quickly and are more convenient than applying for a business loan.
Embrace the quiet times – Cash flow is a major concern for all businesses and even more so if you have employees or creditors that rely on your payments. A business credit card can help you cover the quiet times and the seasonal lulls.
Say goodbye to cash – Having cash on-site or carrying it around with you is not a good idea. Business credit cards reduce the need for ready cash making your business less of a target for theft or loss.

If they’re used responsibly, business credit cards can help you run your business better and even save you some money.

If you are finding it difficult to obtain a business loc or other type of revolving credit facility then you may want to solicit potential angel investors, friends, family, or other private investors for capital. As has been the common theme throughout this website, the current economic climate has made it more difficult to obtain business loc as banks and finance companies have pulled back on their lending activities. If you find yourself in this situation, then you may want to turn to private investors (often called “angel investors”).

Angel investors and private investors can provide your business with a capital infusion. Unlike business lines of credit, these investors typically provide the capital in one lump sum in exchange for a percentage of your business. This is the draw back from raising capital from a private investor. You will have to provide some level of oversight, a percentage of your business, and a certain amount of control to your company to a third party. This third party may have drastically different ideas about the direction of the business. As such, if you decided to raise capital through private investment rather than a business LOC then you should hire an excellent attorney to make sure that you are not giving up a significant amount of your business in exchange for the requisite capital required.

One of the positive aspects to raising capital in this manner rather than obtaining a business LOC is that you will not be held personally liable for the capital should the business not succeed. This is, of course, assuming that the private investor is providing you with an equity investment rather than a private loan. Additionally, this investment will not appear on your credit report. In the future, should the business grow, you can then apply for business credit lines when it is more appropriate or when the economy has improved.

Business LOC is a specially designed website for entrepreneurs that are seeking to raise capital for their startups, small businesses, and expanding existing businesses. The focus of the site is on Business Lines of Credit.
Article from articlesbase.com

Business Credit Card Offers – Things To Consider

Credit cards are fast becoming a business necessity. They’re flexible, easy to use, convenient and offer users the ability to make purchases instantly, anywhere in the world.

We’ve spent some time analysing credit cards aimed at businesses and have put together a list of our top 8 reasons to use a company credit card.

Easy tracking of expenses and purchases – Using a credit card for business purchases makes it easier to track expenses. The majority of credit card providers offer comprehensive expense reporting (both online and off) which can save you countless administration costs and a lot of hassle.
No more petty cash – Petty cash used to be the most popular way to pay for small, incidental purchases but the days of the petty cash tin are well and truly over. These days it’s more common for companies to make purchases online or over the phone. Providing key staff members with a credit card that’s attached to a business account means you can make instant purchases and reconcile expenses quickly and easily. 3. Rewards and incentives. The majority of business credit card programs offer rewards and incentives for users. Organisations can save money on a variety of goods and services from petrol to air travel, insurance and other professional services.
Build business credit – One of the most important reasons for applying for a business credit card is to build your business credit. This will come in handy if you need to take out a business loan in the future. Responsible use and a consistent payment history will be great assets to your credit rating.
Separate business and personal finance – If you’re a small business owner you’ll know how important it is to separate business and personal finance. Having a business credit card will help with this division and will come in especially handy around tax time. Remember to keep your accounts separate and don’t be tempted to make personal purchases on your business credit card (or vice versa).
Large purchases or unexpected expenses – There may come a time when you need to buy supplies, make a one-off payment or pay a large bill. Business credit cards help you to make these one off payments quickly and are more convenient than applying for a business loan.
Embrace the quiet times – Cash flow is a major concern for all businesses and even more so if you have employees or creditors that rely on your payments. A business credit card can help you cover the quiet times and the seasonal lulls.
Say goodbye to cash – Having cash on-site or carrying it around with you is not a good idea. Business credit cards reduce the need for ready cash making your business less of a target for theft or loss.

If they’re used responsibly, business credit cards can help you run your business better and even save you some money.

If you are finding it difficult to obtain a business loc or other type of revolving credit facility then you may want to solicit potential angel investors, friends, family, or other private investors for capital. As has been the common theme throughout this website, the current economic climate has made it more difficult to obtain business loc as banks and finance companies have pulled back on their lending activities. If you find yourself in this situation, then you may want to turn to private investors (often called “angel investors”).

Angel investors and private investors can provide your business with a capital infusion. Unlike business lines of credit, these investors typically provide the capital in one lump sum in exchange for a percentage of your business. This is the draw back from raising capital from a private investor. You will have to provide some level of oversight, a percentage of your business, and a certain amount of control to your company to a third party. This third party may have drastically different ideas about the direction of the business. As such, if you decided to raise capital through private investment rather than a business LOC then you should hire an excellent attorney to make sure that you are not giving up a significant amount of your business in exchange for the requisite capital required.

One of the positive aspects to raising capital in this manner rather than obtaining a business LOC is that you will not be held personally liable for the capital should the business not succeed. This is, of course, assuming that the private investor is providing you with an equity investment rather than a private loan. Additionally, this investment will not appear on your credit report. In the future, should the business grow, you can then apply for business credit lines when it is more appropriate or when the economy has improved.

Business Credit Card Offers – Things To Consider

Sometimes it is overwhelming to calculate business expenses, especially if you are a new business owner. But today’s business owners know that there are convenient and flexible approaches in dealing with their expenses, and one of these modern approaches is through business credit cards.

You will be able to save time in tracking your expenses, such as necessary purchases for your company, with the use of these cards. However, prior to your credit card application, you need to consider a number of factors that will help your company over time. Credit card offers are just among the many enticing techniques that most card companies use.

Business credit card offers generally vary from one credit card provider to another. And like other services, you need to know if there is any catch. Numerous business credit card offers include rewards of various types such as gasoline rewards, frequent flier miles, purchase points, loanable credits, fixed-rate cash credits and others. It is possible that these rewards may have hidden charges or fees connected to the interest rate. So be very mindful of rewards offers and always read their terms and conditions.

One other factor to consider is your business’ specific needs. With many business credit card offers, you should look for one or a few that will complement your business. It is possible to get multiple offers from only one card, so it’s best to stick to only one credit card for easier management of payables.

Offers such as credit transfers can be enticing, so many business owners fall for this trick of changing one credit card to another. However, you need to consider the terms as well as any finance charges that go with the credit transfer facility. Some cards may require you to pay up some fees as well as add up a percentage on your interest rate. Verify the offer’s catch by knowing the terms and conditions.

It’s possible to get persuaded when there are many business credit card offers available. But still, it’s your business that matters above all. As much as possible, try not to be persuaded right away by various business credit card offers that you see. It is best that you concentrate on offers that will give your business the advantages as time goes .

Tips To Help You Select The Right Business Credit Card For Your Company

There are lots of credit card companies out there that offer business credit cards with attractive features. A study of these companies shows that utilizing such cards is beneficial for business owners in many ways.

One of the most noticeable benefits that you can get from a business credit card is low APR or yearly percent rate, that can start at approximately 8%. Standard business credit cards may also have 0% APR for the initial one-year term.

Another benefit is that you can possibly get a number of rewards. You may get frequent flyer miles, 50% to zero annual fee for the first year of subscription, or rewards points, among others. You may use the rewards to reduce your credit balances or your bills, or depending on your company’s current needs. You simply need to look for an ideal card that will match your business’ requirements.

Here are some tips to help you choose the right business credit card:

Aside from rewards and benefits, you should also look for a card that offers low interest rate. This can help you pay small interest charges in case you have a loan or credit.

Many credit card companies offer no spending limits to business owners. You will appreciate this facility because there are no purchase limits. You can ask to the credit card company that you are dealing with if they offer this facility, if not, you should search for other companies that do.

You may also look for a credit card company that provides flexible pay back. This allows you to pay your balances without worrying too much on your interest and other fees. This feature may also be in the form of flexi-payment programs like loans with low interest charges, convertible regular credits into loans, and such.

It is also possible to get expense reports generated by business credit cards. These reports can help you in keeping your company’s expenses on the right track . You may also have the benefit of having group rate discounts which can be further passed on as employer benefits.

You need to evaluate different cards and their features to help you get the ideal one that will work best for your company. No need to rush in searching for the right business credit card because you’ll need all the benefits you can get according to your business’ needs. Check on the APR, facilities, features, rewards and other offers.

Spend some time in searching for the right credit card for your business because you will definitely benefit from it over time. And always communicate with the card company to get the latest updates that you can apply for your business.

Tips To Help You Manage Small Business Credit Cards

If you own a small business, you’ll generally need a stable financial back-up for expenses and other payables. While your business grows, you will surely need other sources to fund your bills and purchases. This is when you have to take a look at small business credit cards.

Having small business credit cards will also need you to become mindful of your utilization. It is easy to get a credit card for any use – may it be for your personal use or for your business. It’s also quite easy to use whenever you need to spend on something; but like many folks, you might fall into a financial debt trap and get stuck with it for a long period of time.

Managing your credit card is not that difficult especially when your business priorities come first. Here are some tips to help you out:

Apply locally for small business credit cards – You should consider applying from your existing bank since your relationship with can help in the approval process. Having an established business relationship with a local bank is crucial especially when you need to apply for a credit card loan or when you need a line of credit.

Steer clear of card hopping – Numerous individuals fall for this especially those who are just enticed by the deals and offers. It is difficult to manage multiple small business credit cards and it can also have negative impact on your credit score.

Make your payments online – You will find banks and credit card companies that permit subscribers to pay on the net. This is an extremely convenient facility that ties up your current bank with your credit card company by allowing transactions via internet. It is also more beneficial if your small business credit card is owned by your current bank.

Avoid cash advance – Cash advance is just a credit in the form of cash and not purchases. The same terms apply but it is also possible to get higher interest rates. The same terms apply; however, it is also possible to obtain higher interest rates. Only use the cash advance feature for emergency purposes and such.

Avoid making late payments – There are charges such as late fees and higher interest rates when you make late payments . Always pay your dues on or before the due date to prevent the extra fees. You can save a lot of cash if you pay on time.

Small business credit cards are like any financial tools that you can use in improving and maintaining your business. Appropriate management and usage are essential to keep your financial situation in order and your company in good condition.

You many also want to check with a bank that you have an existing bank checking account. They tend to give their customers better deals.
Article from articlesbase.com

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