It’s never been easier to start a business with no capital at all. It’s also never been easier to raise millions of dollars for an idea. But what about the businesses that fall somewhere in-between? Whether you’re opening a restaurant, salon, dental office, or auto shop, you’re probably going to need outside financing. There are plenty of options, but a lot of them are very unfriendly to the business owner. The Business Backer is a Cincinnati, OH based company that “is helping small business owners flourish and grow by re-inventing relationship-based lending for the 21st century.” The company is built on the idea of True Relationship Financing, which a unique underwriting process that evaluates risk and customizes a deal in a way that is very different from most other financial institutions.
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While non-profits may not be businesses, they still have to worry about financials. In fact, non-profits can often be more financially complicated than a lot of companies. Some organizations have accounting teams to manage the finances, and others rely solely on specialists. Whether a non-profit needs a little help with accounting or wants someone to do it all, they can go to Kiwi Partners. They are a New York, NY based firm that “gives the nonprofit leader the ability to focus on their mission, and provides clarity to the donor, giving them confidence to give.” They may not be a non-profit themselves, but they’re helping all kinds of organizations make the world a better place.
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I’m currently in Colorado on a vacation with my wife’s family. Few things make me happier than getting away from the city and enjoying the outdoors. Unfortunately, it seems as though more and more people prefer to stay inside. This seems nice at first because it means less traffic in all of our favorite places, it’s a really big problem on the conservation front. If there isn’t a critical mass of people who care about our natural resources, they’ll be very hard to protect. That’s why The Mountaineers exists. They’re a Seattle, WA based non-profit that has “been teaching skills, sharing adventures, creating volunteers, and conserving land” for more than a century. For The Mountaineers the focus is on the Pacific Northwest, but that’s only because it’s their backyard. They want to teach people how to “enjoy the lands and waters” there and beyond.
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The last time that Amy and I reserved a rental car, they didn’t have a car for us when we showed up. It was straight out of Seinfeld’s The Car Reservation, except the agent didn’t even try to help us. We ended up having to spend $250 on an Uber to get us to the wedding on time. I wish I could say that it’s the last time that I’ll ever use a rental car company, but it won’t be. However, I am tempted to try something new like RelayRides. They are a San Francisco, CA based company that connects “vehicle owners whose cars would otherwise be idle with people who need a car.” It’s a model that makes sense, even if it feels a little uncomfortable at first.
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Hiring the first few employees is one of the most exciting parts of starting a business. It means that you’re taking off, but it’s also a very scary responsibility. Every week or two you’re going to have to pay people who are depending on you for their livelihoods. What makes it even harder is that managing a payroll distracts from important activities that will actually help grow the business. That’s where ZenPayroll comes in. They’re a San Francisco, CA based company that has created “the easiest way to pay your employees.” It’s software-as-a-service that removes the need for “unnecessary layers of complexity, manual tasks and numerous fees.”
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Earlier in the week we took a look at Balboa Capital, a company that helps businesses finance equipment. While they offer a great service to companies that need help making capital expenditures, their motive is profit driven. Some businesses need a different kind of help by utilizing the right technology to improve your business, and that’s what Mission Asset Fund offers. They’re a San Francisco, CA based non-profit that is “transforming the financial services sector with the best tools for finances so that all hardworking families have a shot at achieving their dreams.” How do they do this? It ranges from conducting groundbreaking research to social lending.
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You can do almost anything with someone else’s money–build a house, buy a car, go to school, shop ’til you drop, start a business, etc. Sometimes it’s a good idea, and sometimes it’s a really bad idea. One of the smartest times to borrow money is for upfront business expenses that will pay back over time. This is the kind of lending that Balboa Capital does. They’re an Irvine, CA based company that “has been providing equipment leasing and working capital loans to US businesses for over two decades.” They are in the business of keeping other businesses in business.
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I don’t listen to talk radio very often, but on long drives when I get bored of music, I switch over to the AM band. If it’s on, I’ll listen to Dave Ramsey. He’s “an American financial author, radio host, television personality, and motivational speaker” who is mainly focused on helping people get out of debt and stop paying the “stupid tax.” His company is called The Lampo Group (but they smartly use the DaveRamsey branding when it comes to posting jobs), and it’s based in Brentwood, TN. The Lampo Group’s mission is to provide “biblically based, common-sense education and empowerment that gives HOPE to everyone in every walk of life.”
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We’re right in the thick of graduation season, wedding season is just picking up steam, and Father’s Day is just around the corner. Chances are that you’ll be buying someone a gift in the next few weeks. Hopefully you’ll find something perfectly personal for your grad, Dad, or favorite couple, but in the event that you don’t, you can still offer something personalized. That’s what Things Remembered specializes in. The Highland Heights, OH based company is “the nation’s largest and most prominent retailer of personalized gifts.” If it can be engraved, Things Remembered probably sells it (they also do some embroidery).
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Many of America’s great apparel brands started out by catering to a specific sporting lifestyle. Some, like Filson and Orvis, have largely stayed true to their roots. While others, like Abercrombie & Fitch, have moved far away from the brands that they once were. Lands’ End got its start as a yachting supply company in Chicago, but today it is based in Dodgeville, WI and is “an international apparel brand synonymous with timeless American style.” The company is certainly still inspired by its nautical heritage, but they definitely had to broaden their horizons a bit to get where they now are–generating well over $1 billion in revenue annually.
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Have you ever seen an article in the middle of the day explaining that a stock’s price was rising on specific news and then seen essentially the same article in the evening saying that the same piece of news caused the price to fall? There are rare occasions when it actually works out that way, but often it’s just lazy journalism. The truth is that it can be pretty hard to explain why a stock’s price moves up or down; however, we all know that specific products can have a huge impact on how a business performs. That’s why Trefis has developed a set of tools that “helps you understand how a company’s products impact its stock price.” The Boston, MA based company “was founded by MIT Engineers and former Wall Street analysts who realized that most people do not understand the seemingly familiar companies around them.”
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You’ve probably looked at thousands of ads already today, but chances are that you haven’t thought about how they got in front of you. Behind all of those ads is a group of people who made a complicated set of decisions to get that specific message to you in a specific place at a specific time. Managing those kinds of decisions at scale is really hard. Centro makes it easier. They’re a Chicago, IL based company that works “to improve the lives of those working in the advertising industry by building media management software that helps marketers engage with audiences across all digital channels in the most successful manner possible.” The goal is put all of the options in one place so that advertisers can make the best decisions for themselves or for clients.
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Travel decisions are almost always open to outside influence. If you know where you’re going, you may need help figuring out how to get there or what to do once you get there. If you don’t know where you want to go, the possibilities are truly endless. That’s why marketers love the travel market (it helps that travelers are often exceedingly willing to spend money to travel). Just like in every other industry, marketers in the travel space are getting much more sophisticated. Sojern is a San Francisco, CA based company that is leading that trend. They have developed a “robust audience engagement platform [that] is powered by machine-learning technology, enhanced programmatic buying (real-time bidding), and data insights.” The goal is to engage travelers and affect their decision-making process, and it seems to be working.
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It’s Tax Day! I’ve always done my own taxes, but Amy has always worked with an accountant. Since we’re filing jointly this year, we went with the accountant–and he saved us a good amount of money. Doing my own taxes was easy because I have a pretty solid system for tracking all of my business’ financial transactions (and I have a pretty simple business). When things get a little more complicated, software is usually the answer, but most software is built for individuals or huge businesses. inDinero is a San Francisco, CA based company that fills the middle ground. They are a virtual back office, which means that they’ll “take care of your accounting, file your corporate tax returns, and manage your payroll.” It’s exactly what I would want if my company was a little bigger.
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I used to like golf, but I quit playing about ten years ago. It started when I signed up for P.E. Golf during my Freshman year of college. To pass I had to play ten rounds of nine holes during the semester. I didn’t play my first round until October 1st. The course closed on October 31st, and it was a really cold fall. The last few rounds were played in a face mask and gloves. After that experience I started to realize that I’d rather catch the fish in the ponds on the course than hit a little white ball around. Then I broke the head off of my driver at a driving range and decided never to play again. It happened to be a Callaway Big Bertha. The Carlsbad, CA based company aims “to deliver the best performing products the game has ever known—products that perform so well, they literally put the joy of the game in your hands.” It didn’t quite work out for me, but it has definitely worked out for lots of other golfers.
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I love shows like The Wire, Breaking Bad, and The Sopranos. One common theme in all of those shows is money laundering. When you earn a lot of money illegally, you have to find a way to make it “clean.” While pop culture has made me well aware that money laundering happens on a large scale domestically, I had no idea how big the problem is for developing countries. Not only do these nations have to deal with the initial problem of criminal activity, but they also have to deal with the fact that these activities are sucking money out of their economies. Global Financial Integrity is a non-profit organization that is working to stop this. They are based in Washington, DC, and they promote “national and multilateral policies, safeguards, and agreements aimed at curtailing the cross-border flow of illegal money.”
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Right now I have a shot at winning $1 billion. My bracket is 100% correct… though no games have been finished yet. In case you haven’t heard, Quicken Loans has put up that amount for anyone who gets a perfect bracket (and Warren Buffet backed it with one of his insurance businesses). It sounds like March Madness until you crunch the numbers. There is essentially zero chance that someone will win the prize, yet millions of people entered… and shared their information with Quicken Loans. That’s exactly why the Detroit, MI based company sponsored the contest. New leads are the lifeblood of a mortgage business, even if you’re already the “#1 online retail lender.”
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I’m definitely not a chocoholic, but I think that a good piece of chocolate is the perfect dessert for when you want something sweet but don’t want to loosen your belt after. The fun thing about chocolate is that it has a ton of range. Some people are completely happy with a Hershey’s bar, and others want something with a little more thought put into it. One of my favorite chocolate companies is Taza Chocolate. They are a Somerville, MA based company that makes “stone ground, organic chocolate” that is “perfectly unrefined, minimally processed with bold flavor and texture, unlike anything you have ever tasted.” Their Mexicano discs almost have a cookie like texture, and that’s why they’re one of my favorites.
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One of my cooler life experiences was being picked up by a friend after landing at the airport in El Salvador. Instead of driving to the airport, he flew there. We hopped in his plane and took a tour of the country at a few thousand feet. Then we landed at another airport and drove to his house (it was almost as long a drive as it would have been from the original airport). While most of think of people who “have a plane” as billionaires with private jets, the reality is that a lot of normal people have and fly plaines. That’s why the Aircraft Owners and Pilots Association has hundreds of thousands of members. It’s a Frederick, MD based non-profit that “is the largest, most influential general aviation association in the world.” The organization acts as a “beacon for those who cherish the freedom to fly.”
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Raise your hand if you’ve come to the realization that college didn’t prepare you for the job market. I see a lot of hands. I’m not knocking college, but the skills that I’ve developed from starting a business are way more marketable than the ones that I developed in the classroom. So what do you do if you realize that you don’t have what employers want (or you want to start your own business)? You can hustle and develop the skills on your own, or you can speed up the process by enrolling at General Assembly. They are a New York, NY based company that is “creating a global community of individuals empowered to pursue work they love, by offering full-time immersive programs, long-form courses, and classes and workshops on the most relevant skills of the 21st century.”
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Do any of you remember Flip cameras? They were all the rage for a few years, and then they got completely crushed by smartphones. Who would buy a standalone consumer level point and shoot or video camera when you already have something that offers comparable quality in your pocket? The only good reason that I can think of is that you’re worried you might destroy your phone. That’s where GoPro came in. They’re a San Mateo, CA based company that has built a huge business by offering “the world’s most versatile camera.” While other manufacturers were killing each other with battles over megapixels and size, GoPro was focusing on a niche market of users who wanted to be able to take their cameras on adventures. It turned out that it was a really big niche.
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The original idea behind employer funded health insurance was that it was supposed to improve productivity by keeping employees healthy. That’s still generally the point, but today it seems that health insurance is mostly about fixing problems after they happen instead of prevention. Corporate wellness programs are the answer for employers who want to keep employees healthy (and lower insurance costs). Limeade is a Bellevue, WA based company that is aiming to “measurably improve well-being in the world through happy, healthy, high-performing workforces.” How do they do this? By offering software that makes rolling out a wellness program a snap for employers.
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There are generally two ways to market to people. You can build your own audience, or you can rent somebody else’s audience. That’s why a lot of companies are built around building audiences to rent to other businesses. FierceMarkets is a perfect example. They are a Washington, DC based company that specializes in business-to-business media, publications, and marketing. The end goal is to “connect companies with the right audience and ensure each campaign generates the highest possible return on investment.”
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A few years ago I got a lot of free stuff from Bonobos and Gilt Groupe by referring people. It was certainly out of self interest, but it’s hard not to refer a product or service that you love when they’re giving both referrers and referees free stuff. Referral marketing is tremendously effective, but it can be hard to implement a system that works. Extole is a San Francisco, CA based company that specializes in helping “brands acquire new customers at scale by rewarding existing customers.” Why build out your own software to reward customer referrals when you can use Extole’s platform instead?
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Think about one of your favorite brands. Your fond memories are most likely based on experiences. Maybe it’s a time when you used the company’s product or the feeling when you walk into one of their stores. Advertising can make you think about those experiences, but it can’t recreate them. Experiential marketing is a field that is all about getting you to experience the brand instead of getting you to think about the brand. That’s what Escalate is all about. They’re a New York, NY based experiential and word of mouth marketing agency that escalates “customer relationships to the point of brand advocacy, with measurable results.”
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Have you ever sat around and waited for a phone call? It sucks. Believe it or not, there are a lot of businesses in which you sit around and wait for customers to call you. A plumber is a great example, but there are much more sophisticated businesses that have the same problem. They can invest in marketing that drives more calls, but why do that when you can invest online and track every step of the conversion/sales process? Because people who pick up the phone are often much better leads than people who inquire online. That’s why Invoca is bringing online analytics to phone calls. They are based in Santa Barbara, CA, and their “inbound call marketing tools empower you to generate better leads, higher conversions, smarter spends and greater revenue.”
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Our federal, state, and local governments do a lot of things that are bad for their constituents, but one of the worst has to be state-run lotteries. They are great at generating income for things like schools, but they are a massive regressive tax that disproportionately harms lower-income individuals. It’s almost as if people see lotteries as a savings account instead of a long shot bet. For a long time I’ve had an idea that state lotteries should be transitioned into an investment vehicle. Imagine how much better off people would be if a one dollar scratch off ticket contributed 50 cents to savings account, 40 cents to prizes, and 10 cents to education or something similar. You could even engineer it so that people win “prizes” out of their own savings accounts. To my surprise I recently learned about a non-profit that is working on similar ideas. It’s called Doorways to Dreams Fund, and they’re based in Allston, MA. They work “with the financial services industry, government agencies, national non-profit groups, grassroots community agencies, and public policy organizations to generate promising ideas, pilot test financial products and services, build awareness of the needs and potential of low-income communities, and advocate inclusive social and economic policies.”
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There’s no doubt that health and fitness are the most popular categories for New Year’s resolutions, but many people also want to improve themselves in the areas of education, finance, and careers. It seems easy at first–if you make better decisions, you’ll be better–but good decision making can be really hard. Tree.com is a company that aims to be the place “where good decisions start.” The Charlotte, NC based company operates a portfolio of brands and businesses that can help you whether you’re “buying or selling a home, financing a new car, sending a child to college or shopping around for a new credit card.”
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I got my wife an Airport Express for Christmas. I’m not the typical male idiot portrayed on many American sitcoms–it was a good gift idea. The whole point was that I could hook up our wireless network to the fifteen-year-old wired speaker system that came with our apartment. The speakers were working when I started (I had the radio playing in all of the rooms), but after three hours of frustration, I ended up with the music from my iPhone playing in one room, and no music whatsoever in any of the other rooms. I’m going to have to find a way to fix this, and I think Sonos might be the answer. They are a Santa Barbara, CA and Cambridge, MA based company that set out in 2002 “to reinvent home audio for the digital age.” Their products certainly look a lot better than the circa 1997 sound system that my landlord left behind.
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When Amy and I were looking for a new place, we had a lot of trouble sifting through real estate listings. Between the junk, spam, and properties that were of no interest to us, it was really hard to zero in on the kind of places that appealed to us. Working with a real estate agent helped us narrow things down, but the software that they used to show us listings was pretty terrible. One trick that I figured out for searching mainstream sites like Zillow and Redfin was to use very specific, high-end keywords (I bet you could adapt this to job searching). It’s almost as if the people who built RealScout had my exact experience. They’re a Sunnyvale, CA based company that “leverages over 500 datapoints to make home search more personal for clients and more efficient for Realtors.” By focusing on the little things, they help people look at the right kind of properties.
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