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Small Businesses Blog Posts

By First American Merchant

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How Small Businesses Can Lower Credit Card Transaction Fees

Accepting credit cards is crucial to your business success. However, you must pay for this since credit cards come with transaction fees. Importantly, you should be careful about these fees. This article will help you be smart about transaction costs associated with small businesses. Credit Card Transaction Fees for Small Businesses Small business owners are well aware of how accepting payments online is important for their growth. As you know, card transactions come with associated fees. On average, processing fees vary from 1.5% to 2.9% for swiped credit cards. Thankfully, you can use several ways to save on fees. Before, […]

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Get Hassle-Free Funding with No Credit Check Financing

New businesses and those struggling often continue to build their credit or have credit scores that have taken beatings. Bad credit or a lack of credit can make it impossible to borrow money from banks. Traditional lenders do not want to take risks on businesses that may not pay back the money they borrowed. However, all hope is not lost. As a business, you just have to be willing to consider alternative options, like applying for no credit check financing from a third-party lender. Read on to find out how to find a no credit check financing lender and other […]

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Myths About Small Businesses in America

It’s shocking how a lot of propaganda is floating around concerning small retail shops (commonly known as mom-and-pop stores) these days. Honestly, all myths surrounding the experience as a startup business owner are often exaggerated. These myths can scare you from venturing into a niche that could be very profitable or, equally, convince you into going after opportunities that don’t really exist. Discover the most common myths about mom-and-pop shop and the truth about small business. Mom-and-pop stores are fading away Truth: While startup businesses are not always at par with established business all the time in terms of revenue […]

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How Small Businesses Owners Can Restore Their Companies after a Hurricane

My commiserations to all merchants who commit themselves to establishing great companies only to have them destroyed by natural disasters like the most recent Harvey and Irma Hurricanes.  While one may argue that business owners should prepare earlier for such phenomena, most startups lack the capital to invest on disaster recovery and continuity strategies. To provide such victims with a stepping stone to revival, here’s a useful list of benefits available together with links to get your on the provider’s websites and make the most out of them as fast as possible. Low Interest Loans:  SBA and USDA both provide […]

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Get a Business Loan With Bad Credit

All small business owners know how difficult it can be to get access to working capital. This is especially true of those businesses that are tabbed as high risk or have bad credit. The important thing is that these businesses shouldn’t let bad credit or lack of business experience keep them from the loan money necessary to make their business grow. What Is Bad Credit for a Business? As you know, for years, bad credit could damage a business before it even began. Bad credit could make it impossible for a merchant to obtain a bank account, a plastic card […]

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What Small Businesses Need to Know About Accepting Credit Card Payments

Credit card processing seems simple enough: Get a merchant account and set up your equipment, and you’re good to go. But for very small businesses — such as mom-and-pop shops, one-person operations and home-based sellers — the decision to accept credit cards means having to consider some very unique needs. From the difficulty of getting approved for a merchant account to losing money from fees and facing the challenges of using the same technologies as large corporations, the road to accepting credit cards can be rough. Nevertheless, small businesses don’t have to be at a complete disadvantage. Just because you’re […]

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Should You Use a Merchant Cash Advance for Small Businesses Funding?

Many business owners shy away from merchant cash advances, not fully understanding what they are or how they stand to benefit from them. Even if they are aware of what this product is, they might still be unsure if they should use it as a small business funding option. If you’re still trying to decide, the following information will help you. What is a merchant cash advance? Contrary to popular belief, a merchant cash advance is not a loan. It is simply a sale. The alternative lender offers your business a lump sum of cash in exchange for your business’ […]

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Why Banks Deny Loans To Many Small Businesses

Growing a small business is not easy and may be rather challenging sometimes. Business owners regularly face problems that may put their companies at risk. Of course, to take their business off the ground and start growing, entrepreneurs should secure business financing. Though there exist a wider variety of funding options, finding one can be rather problematic. Below you can read important statistics concerning the fact why you may get refused when applying for a bank loan or credit line. According to the Small Business American Dream Gap Report, about 3 out of 10 small businesses had more difficulty to […]

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3 Key Pointers to a Business Loan Scam

There’s a growing number of funding options available for small businesses that traditional banks are often less willing to finance. Unfortunately, scammers are coming in to take advantage of the situation with the aim of duping unsuspecting small business owners. These illusory characters operate both within the United States and from outside the country. They can steal money or personal information from innocent businesses by posing as legitimate loan brokers, lenders or other small business funding services willing to help out. Admittedly, it can be challenging to single out these unscrupulous individuals and companies from the plenty of reputable, legitimate […]

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SEO Tips For Your Small Business

You can use a number of ways to promote your business online. You can do it through search engine optimization (SEO), pay-per-click advertising, social media marketing, display advertising, or email marketing. Often, small businesses and startups choose SEO as their online marketing tactic. If budget is a problem for you to turn to an SEO specialist, consider following useful SEO tips to make your search rankings rise. Merchants interested in small business funding should consider applying to First American Merchant (FAM) is a reputable payment processor that specializes in the high risk sector. SEO Tips for Your Small Businesses […]

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