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How to build a website: What you need to get started

Welcome to our guide to what it takes to get started with an online presence.

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I’ve been building websites since 1995. Courtesy of the Wayback Machine, you can even see the slightly cringe-worthy first one I ever put up. You’ll need to make your browser much narrower because it was designed in the days when screens were only 800 pixels wide.

With 26 years of experience making sites, it’s fair to say I’ve been asked, “So Dave, what do I need to do to get my own website?” a few hundred times, minimum. In this article, we’re going to answer that question. To get started, let’s define our terms.

What is a website?

From a website visitor’s perspective, a website is someplace online you visit to get information or to do something. But from a site operator’s perspective, a website is, fundamentally, one or more directories of files, possibly accompanied by one or more databases of tables.

You may have heard terms like HTML, CSS, JavaScript, Java, PHP, and more. These are all, more or less, computer languages in that they follow a specifically defined syntax and, when processed, produce a result of some kind.

HTML (Hypertext Markup Language): This is a text file containing formatting commands for constructing a webpage. You can control the text style, add headings, lists, and place media content. Most HTML pages also embed or include content from other web languages as well, like CSS.

CSS (Cascading Style Sheets): These are files that help format the webpage. They contain positioning and styling information that gives a page its pleasant look.

JavaScript and Java: These are programming languages, initially developed to run in the browser to modify a page’s behavior on the fly. Now, there are server-side versions, like Node.js for JavaScript and Enterprise Java Beans for Java. Almost all web applications, like Gmail and Facebook, use Java and JavaScript (or a modified dialect) to make the pages more dynamic.

PHP, Python, Ruby, etc: These are server-side programming languages that run web applications on the server. For example, an online store will need to call out to a payment processor. Most of that payment processing is handled server-side in a web programming language.

Back in 1995, when I got my start on the Web, there were no web builders or content management systems. I had to hand-code all my HTML. Today, unless you’re writing custom functionality, you probably won’t have to know any of these languages in detail to create a successful site. But you might want to have a passing awareness of them and to understand basic HTML and CSS at the least, because little bits of customization in terms of how your site looks may require CSS or HTML tweaking.

A webpage is essentially a single document. A website is a collection of related webpages. Many websites, using web programming languages, also work with databases (which provide fast search and retrieval). These sites build the webpages dynamically, constructing all the elements as a user visits the page, and then transferring that cluster of elements as files to a user’s browser.

Although we hand-crafted our pages — HTML tag by HTML tag — back in the mid-1990s, that’s no longer a preferred practice. Today, you’re almost always going to use some sort of page builder or content management system (CMS), which will do most of the super-tedious page formatting and assembly work for you.

Content site vs. web application?

According to Internet Live Stats, there are 1.8 billion websites live right now. Each site is different (except, of course, for those sites cloned by scammers who hope to get web traffic from the stolen work of others). But even though there are millions of variations in what constitutes a website, right now we’re going to lump them all into two categories: Content site and web app.

Even here, there’s some wiggle room. Many apps have content as well. And many content sites have sections that are web apps. Any site that has a forum, for example, is hosting a web app.

From a “Dave, what do I need to do to get my own website?” point of view, if you’re reading this article or asking that question, let’s agree you’re looking to build a content site. You’re asking because you want to present information about the goods and services you offer, or about a topic of interest, or some other site that’s mostly information-based.

Web applications, although incredibly valuable (see all our writing about the cloud), usually require skilled programmers to create. If you’re looking to set up your first site, you’re not ready to worry about coding. For the rest of this article, we’ll assume your site is mostly content-based, although you may have some app features (like e-commerce or a forum).

Build it yourself or hire a consultant (or get your nephew to do it)

If you run a large corporation that can hire a web team, sure, go out and hire a consultant. And while there are many web developers out there (freelance and with agencies) that do a wonderful job, they can increase complexity considerably. For now, I’m going to tell you a few reasons why I don’t recommend you hire someone. After, I’ll show you some tips for succeeding if you do.

Let’s start with the reasons you might want to avoid hiring someone. At the top of the list is cost. Building a custom website is a lot of work. While it’s possible to crank out cookie-cutter sites where only the logo and colors change, anything built with more of a personal touch will take days to weeks to months.

I volunteer with a nonprofit. I agreed to build their site. It had just a few highly custom features (a tweaked membership list and member-only access). Even with just a few custom features, it took me a couple of weeks to put it together. Even the cost of hiring the least expensive developer, billing for 80 to 100 hours of time, is going to add up.

Beyond cost, however, is the loss of control. I also maintain a free donations app, again as part of my pro bono work. At least once a week, someone contacts me telling me that they lost their developer (or they have no idea who the original developer was) and they need to know how to modify their site.

You are unlikely to have access to the same developer for the entire life of your site. Consultants move on, get new jobs, move away, die, or get fired. If you are solely reliant on someone else to keep your site alive, you’re at serious risk. It’s incredibly valuable, especially for your first few sites, to build them yourself. Learn about hosting. Learn about your content management system. Learn about backups.

If you build up these basic skills, you’ll be able to jump in if your developer is unavailable. At the very least, you’ll have a better chance of understanding whether the consultant’s asking price is reasonable or over-inflated.

If you do want to hire a consultant, my biggest piece of advice is to keep each job simple, with clear objectives and a measurable set of guidelines. Rather than hiring someone to develop your entire site, you might hire someone to configure your e-commerce plugin — and teach you how to maintain it. Rather than having someone design the entire site, you might hire someone to help you choose your site’s colors and tweak your CSS to display them.

You get the idea. Keep the jobs simple, tangible, and objectively measurable. It’s much easier to convince a vendor to make a fix because payments aren’t processing than it is to try to convince a consultant to redesign because you didn’t get the light and airy feeling you were hoping for.

Getting ready to get ready

Up until this point, you’ve been getting ready to get ready. You’ve learned about the different kinds of files a website uses. You’ve learned to think about the difference between content sites and web apps. You’ve looked into hiring consultants and (at least if you follow my advice) you’re going to try to build your first site on your own.

You have a couple of more decisions to make about what web technology to use and what hosting provider. But before you jump into the logistics, you need to think through more about your site itself.

We know it’s going to be content rather than mostly code. But beyond that, what are you trying to accomplish? If you want to take orders, you’re going to need to look into payment gateways and payment processing. If you ship physical goods, you’re going to need your cart software to manage shipping and fulfillment tracking. If you ship digital goods, you’re going to need your cart to manage licensing, expiration, renewal, downloads, and registration.

If you plan on building a mailing list, you’re going to need a mailing services partner to manage your list and deliver your mail messages. And you’ll also want to decide how tightly you want to integrate your mailings with your web content. Do you want a mailing automatically triggered for each new blog post, or do you want to write your own mailer when you’re ready to do a promotion?

Also: Best email hosting in 2021

You’re also going to need a domain. Do not let any of the web hosting providers try to convince you to use something like yourname.theirname.com. It’s better to have yourbrand.com as your domain name. Domain names cost about $10 a year and you go to a domain registrar to buy one. The only challenge, like with vanity license plates, is finding one that hasn’t already been used.

Here’s a caution: Most registrars also offer some form of domain marketplace, where those who own domain names try to sell them to others who want them. Stay away. I have an acquaintance who decided he wanted a very specific name and spent thousands to buy it. Yes, the name of your company might have already been taken. Be creative. There are still many great combinations of letters out there. Don’t spend hundreds, thousands, or even tens of thousands of dollars on a domain name. Just be creative and choose one that’s available.

These decisions will help you look into the features that you’re going to choose when you look for a web builder or content management system. Let’s talk about that now.

Choosing a content management system

There is a wide spectrum between writing every bracket around every tag in every HTML file when coding a site completely on your own, and dumping text and photos into Facebook or Medium and being at the mercy of some walled-garden corporate algorithm.

We’re going to focus in the middle of that spectrum. There will be some configuration and setup decisions and a lot of design decisions, but it isn’t really a choice between writing all your own code or letting Facebook dictate who sees your message. You’ll be able to build a site that’s your property, with your look, feel, and identity.

Here, too, there are decisions. You can go the website builder route. You can sign up to Wix or Squarespace or an equivalent service, and they’ll take care of both hosting and constructing your webpages. All you’ll need to do is choose a theme, and then fill the site with your content.

Also: The best website builder for 2021: Your step by step guide

Depending on your budget, going with a website builder is a very simple and practical solution, especially if the themes provided are appropriate for the kind of work you’re doing. There is, however, a substantial downside: Lock-in. Most web builders are proprietary, so if you want to switch to another service, you’ll have to rebuild your site either mostly or entirely from scratch. At the very least, there will be a ton of cutting and pasting between services.

For smaller sites, that’s not much of an issue. Rebuilding five or 10 webpages is no big deal. But if your site is 50, 100, or even thousands of pages, that’s a lot of copying and pasting (or, if you’re very lucky, exporting and importing). Think about this: If you do one blog post every weekday, you’ll have at least 261 pages by the end of a year. Content expands very quickly.

The other approach is to run a non-proprietary content management system on a hosting provider. That way, you can switch hosting providers and your CMS can move with you. If you run an active website for any number of years, you WILL switch hosting providers. Whatever you start with will become unreliable, more costly, offer less quality support, or give you some other reason where you’ll want to leave. It’s rare to stick with one hosting provider unless you simply have no way out. So planning to be able to switch is useful.

The sweet spot: WordPress

I’m going to go out on a very safe limb and recommend you consider WordPress as the foundation of your website. According to tracking service W3Techs, WordPress now runs 40% of all websites and has a 64.3% market share of all sites based on a content management system.

WordPress is an open-source CMS you install on your hosting provider’s site. Usually, WordPress comes pre-installed, or you need to run a quick installer to create the site. The installation process involves answering a few basic questions. To just get WordPress up and running, it rarely takes more than about five minutes or so.

Also: Best WordPress hosting in 2021

It’s the customization of WordPress that can take a while. That non-profit I told you about earlier was a WordPress site that took weeks to build. Some of that time was spent on getting the non-profit to decide on a logo, gathering all the names of the members, and agreeing on wording and messaging. But the bulk of the time was spent choosing and configuring the plugins, themes, and layouts that best fit the group’s mission and provided the professional look and feel that was desired.

Speaking of plugins and themes, let’s talk about them. Plugins extend WordPress’s capabilities. There are thousands upon thousands of them. I consider plugins the great strength of WordPress because they allow you to customize WordPress to do almost anything. Many are free, many more are paid add-ons. Many offer a free core plugin but sell either a pro version or add-on capabilities.

The second great strength of WordPress is its enormous themes library. There are some very nice free and default themes, and a tremendous number of excellent commercial themes available. This, too, is one of the reasons I confidently recommend WordPress.

But… keep in mind that once you integrate a bunch of plugins and themes into WordPress, you’re going to have something of a lock-in situation as well. It’s not the same as being stuck on one hosting provider, but you may have data formatted just to work with your chosen plugins, or pages formatted to work with just the theme you’ve chosen.

The difference between module-level lock-in and hosting-level lock-in is that you can often find replacement themes and plugins, and you can almost always move your entire WordPress site (including all those plugins and themes) to another host without too much work.

Also, you may have heard about security problems with WordPress. Don’t let that scare you away. Keep in mind that 40% of the internet is running WordPress, so millions of websites run it. That makes a very large target of opportunity for bad guys and opens up a wide range of errors people can make in configuring their sites. But if you do the simple practices of backing up your sites and applying updates as they come out, you’ll almost always be in the clear.

One other benefit of WordPress: Because it’s so huge, there’s an enormous user community and almost unlimited amount of training, help, and support, and a virtual cornucopia of resources, sites, and helpful people out there who know WordPress.

Choose a hosting provider

If you go with one of the all-in-one web builders like Wix or Squarespace, you won’t have to choose a hosting provider. But if you go with some other CMS or WordPress, you’ll need to contract with a company to deliver your webpages to your visitors.

Also: The best cheap web hosting in 2021

I wrote about the hosting provider business model in Best free web hosting in 2021: Cheap gets expensive fast, so click over there and give it a read-through. You’ll learn a ton about how to think about hosting, what services hosting providers offer, and some of the pricing tricks hosting providers try to foist upon their customers.

Another article to check out, on our sister site CNET, is How to choose a web hosting provider. There, I wrote about the different types of hosting and servers to take into consideration.

Also: Best web hosting in 2021: Find the right service for your site

Here’s a quick tip: You can probably get by with shared hosting if you don’t have a ton of pages or a complex site. But stay away from the bottom-of-the-barrel pricing plans. You get what you pay for. Look for a plan that’s roughly about $10 per month if you’re running WordPress or anything with a basic CMS. If you’re running complex e-commerce, expect to spend more.

The reason for this is that you’ll need a base level of performance to be able to feed pages with any responsiveness. The super-cheap sites will have terrible performance and often lax security. If you’re creating your first impression on the Internet, make it count. Spend a few bucks — way less than we used to spend mailing out brochures back in the pre-Internet dark ages — to get a decent quality but still affordable offering.

Final thought

There’s a lot to learn, but it’s not unreachable. More to the point, if you go through the learning curve, you’ll never be completely at the mercy of expensive consultants who may cost a lot and still leave you unsatisfied. I’m not saying consultants are bad, but taking control by learning how to set up your own site will help you become an informed site operator.

You can follow my day-to-day project updates on social media. Be sure to follow me on Twitter at @DavidGewirtz, on Facebook at Facebook.com/DavidGewirtz, on Instagram at Instagram.com/DavidGewirtz, and on YouTube at YouTube.com/DavidGewirtzTV.

Source: https://www.zdnet.com/article/how-to-build-a-website/

how-to-build-a-website:-what-you-need-to-get-started

ZDNET

Crackonosh malware abuses Windows Safe mode to quietly mine for cryptocurrency

The malware is thought to have generated millions of dollars in just a few short years.

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Researchers have discovered a strain of cryptocurrency-mining malware that abuses Windows Safe mode during attacks.

The malware, dubbed Crackonosh by researchers at Avast, spreads through pirated and cracked software, often found through torrents, forums, and “warez” websites.

After finding reports on Reddit of Avast antivirus users querying the sudden loss of the antivirus software from their system files, the team conducted an investigation into the situation, realizing it was due to a malware infection.

Crackonosh has been in circulation since at least June 2018. Once a victim executes a file they believe to be a cracked version of legitimate software, the malware is also deployed.

The infection chain begins with the drop of an installer and a script that modifies the Windows registry to allow the main malware executable to run in Safe mode. The infected system is set to boot in Safe Mode on its next startup.

“While the Windows system is in safe mode antivirus software doesn’t work,” the researchers say. “This can enable the malicious Serviceinstaller.exe to easily disable and delete Windows Defender. It also uses WQL to query all antivirus software installed SELECT * FROM AntiVirusProduct.”

Crackonosh will scan for the existence of antivirus programs — including Avast, Kaspersky, McAfee’s scanner, Norton, and Bitdefender — and will attempt to disable or delete them. Log system files are then wiped to cover its tracks.

In addition, Crackonosh will attempt to stop Windows Update and will replace Windows Security with a fake green tick tray icon.

The final step of the journey is the deployment of XMRig, a cryptocurrency miner that leverages system power and resources to mine the Monero (XMR) cryptocurrency.

Overall, Avast says that Crackonosh has generated at least $2 million for its operators in Monero at today’s prices, with over 9000 XMR coins having been mined.

Approximately 1,000 devices are being hit each day and over 222,000 machines have been infected worldwide.

In total, 30 variants of the malware have been identified, with the latest version being released in November 2020.

“As long as people continue to download cracked software, attacks like these will continue and continue to be profitable for attackers,” Avast says. “The key take-away from this is that you really can’t get something for nothing and when you try to steal software, odds are someone is trying to steal from you.”

Previous and related coverage

Have a tip? Get in touch securely via WhatsApp | Signal at +447713 025 499, or over at Keybase: charlie0

Crackonosh has been in circulation since at least June 2018. Once a victim executes a file they believe to be a cracked version of legitimate software, the malware is also deployed.

Source: https://www.zdnet.com/article/crackonosh-malware-abuses-windows-safe-mode-to-quietly-mine-for-cryptocurrency/

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South Australia splashes out on space, defence, and cybersecurity in 2021-22 Budget

The South Australian government believes tech-focused sectors such as defence, space, and cybersecurity will have a key role to play in the state’s future.

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In taking a forward-looking approach into what the future of South Australia will look like, the South Australian government has announced it will bolster investment in tech-focused sectors such as defence, space, and cybersecurity as it hands down the 2021-22 Budget [PDF].

“This Budget is our blueprint for a stronger South Australia, creating jobs, building what matters and delivering better services to further secure our growing global reputation as one of the safest and most attractive places in the world to live, work, and raise a family,” Treasurer Rob Lucas said on Tuesday.

Some of the specific funding announcements include AU$20.8 million to upgrade the existing buildings at Lot Fourteen to make way for the expansion of space, digital, hi-tech, and cyber companies, with a particular focus on companies involved in small satellite development.

Separately, AU$6.6 million will be contributed over five years to assist with the SASAT1 Space Services Mission, which will see a local manufacturer launch a small satellite in mid-2022 as well as deliver space-derived services to the state.

South Australia’s Defence and Space Landing Pad program has also received a boost, with the state government saying it will deliver AU$860,000 over three years for the program that is used to support international defence and space companies that bring new, sought-after capability to South Australia.

Local artificial intelligence and health technology companies are set to receive additional support through a AU$1.6 million allocation delivered over four years. Under this investment, AU$985,000 will be used for grants to support AI and health technology companies through matching co-funding for health application pilots, and $589,000 to deliver project support activities, including investment concierge services.

Meanwhile, AU$2.6 million will be earmarked to support small businesses developing digital and cyber security capabilities as well as other capabilities to enter the national market.

The Budget papers also indicated AU$21.1 million over three years will be dedicated towards the implementation of stages three and four of the South Australia Police Shield project, which involves linking South Australia Police’s data and records management system directly with other justice sector agencies. The state government touted the move will improve collaboration and data sharing capabilities.

In a bid to boost bushfire response, the 2021-22 Budget revealed that it will contribute AU$7.7 million over four years towards the ongoing management, support, and maintenance of automatic vehicle location systems (AVL) used by the emergency services sector. AVL provides real time location information of firefighting and other emergency response vehicles during incidents. AVL is expected to be installed in approximately 1,400 vehicles at a total cost of AU$12.7 million.

Additionally, the 2021-22 Budget indicated support for the state government’s commitment to improving digital services for citizens remains ongoing through its AU$120 million Digital Restart Fund, noting that AU$4.3 million in 2021-22 will be put towards the South Australian government’s online services portal, AU$5.5 million over two years for the expansion of the residential aged care enterprise system, AU$1.3 million over two years for the child and family services information systems, and AU$500,000 in 2021-22 for the Safeguarding smartphone app.

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Source: https://www.zdnet.com/article/south-australia-splashes-out-on-space-defence-and-cybersecurity-in-2021-22-budget/

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How to build business credit

Business credit is vital for businesses that need to borrow money to grow. Building business credit is not impossible; it just takes time and dedication.

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The face of business continues to change. Even before the pandemic of 2020 hit, business market trends suggested that the growth of e-commerce would continue to be the big wave of the future. Businesses are learning to adapt to changes in the digital marketplace and stay ahead of changes by adopting the innovations of e-commerce.

As consumer spending continues to rise, businesses will have to invest to compete. This will require working capital and cash flow to purchase the software and technologies needed to survive in the digital economy.

For those businesses without large amounts of working capital or wealthy investors — like many small businesses and startups — it has brought up the idea of building business credit.

Below, ZDNet has all the information you need on how to build business credit.

What is business credit?

At some point, entrepreneurs and business owners consider borrowing money. Many have not accumulated enough capital and cash to hit the ground running right out the gate when starting a business.

Business credit allows a business owner or company to borrow money to build their business, pay for the necessary purchases, or expand their business. Of course, they must pay this money back with interest.

Some businesses do get to the point where they can maintain their working operations off of profits, but most require constant cash flow — good business credit affords this.

However, it isn’t as simple as walking into a bank and getting large amounts of cash. Businesses must first work hard to build business credit to qualify for needed loans. It takes patience and the right knowledge to build business credit the right way.

How to build business credit the right way?

Most people are familiar with building credit for personal use — applying for loans, purchasing homes or vehicles, or getting credit cards — building business credit is not much different in principle.

How to choose a business structure?

Unless you plan on being a sole proprietor, you must first establish your business as an entity separate from yourself. Not doing so leaves you open to assuming personal liability if legal issues were ever to arise.

In addition, separating yourself from your business also brings advantages at tax time. The most common business entities are limited liability companies (LLC) and corporations.

How to register your business?

Once the proper business structure is chosen, you need to register your business and apply for a federal tax ID from the IRS — known as an EIN. Without an EIN, you will be unable to open business bank accounts or apply for business lines of credit.

How to establish a business credit profile?

Once your business entity is filed and registered, you can begin the task of building your business credit. To establish a trusted financial reputation among lenders, you will need to have a working business credit file.

Every lender will check your credit profile when you apply for a loan or line of credit. The lender must establish trust with the borrower, making sure money borrowed will be repaid. This is referred to as “creditworthiness.”

One way you can begin to develop this trust is by opening a business bank account.

Begin building business credit

There are numerous business bank accounts for traditional banking and online banking. You must find one that suits your business needs.

Consider these when choosing a business bank account:

  • Is it trusted and secure? Make sure you establish a bank account with a trusted bank, one that is registered and insured by the FDIC. As time goes on, you will also want to ensure your bank is an equal opportunity lender in good standing; all reputable banks are.

  • Explore the services and management tools. Chances are you will want to apply for a business credit card; if so, what are the APR rates? What type of management tools do they offer for business accounts?

  • Check the investment rates and maintenance fees. If you’re looking to earn interest on your money, what are their APY rates? What are the required minimum balances to take advantage of those rates? Most banks have monthly maintenance fees, another factor to consider.

  • How are the help and support? New business owners will profit from a bank with professional help centers and financial advisors on-site or within reach. If you’re always on the go, does the bank have an app for mobile banking?

Get a business credit card

Another way to help establish your business credit profile and build your business credit is by getting a business credit card. Business credit cards allow business owners to pay for necessary expenses without massive amounts of cash flow while also helping to build a business credit history.

Most come with higher credit limits and bonus rewards that you won’t find with personal credit cards.

Here are a few advantages:

  • More spending for business tools: Business owners, especially startups, can use higher credit limits to invest in the necessary software and business tools they may need. Business credit cards allow you to build business credit as you boost cash flow.

  • Protection on purchases: As opposed to cash-only purchasing methods, business credit cards often come with protection on purchases — if lost, stolen, or damaged.

  • Rewards and cashback: Many credit card companies offer rewards for spending, e.g. points or miles to travel. Some offer cashback bonuses after meeting certain spending thresholds.

  • Building business credit history: Perhaps the most significant advantage for our purposes is the ability to build a business credit history. It is essential to make your credit card payments on time or early to establish a trusted credit history. This will boost your business credit profile and score with credit bureaus.

Explore other forms of business credit

In addition to business credit cards, there are other ways to establish and build business credit. These include different forms such as supplier credit, vendor credits, and service or retail credits.

  • Supplier credit: Supplier credits are a great way to establish a reputation of trust with your business. Most businesses need a steady stream of supplies and inventory to maintain operation. Supplier credit is an agreement between you and a supplier allowing you to defer payment for supplies. This helps conserve working cash flow and allows you to build credit as you make your payments.

  • Vendor credit: Like supplier credits, vendor credits allow you to purchase services (or products) from vendors with short-term financing. These payments can be made with a business credit card, allowing you additional time until profits roll in. Again, making payments before or on time is critical.

  • Service credit: Service credits are usually the simplest form of building credit outside of business credit cards. Services providers — internet, phone, TV, or other utility services — allow business owners to build credit as they make service payments.

  • Retail credit: Business owners can also establish relationships with their preferred retailers; most offer store credit cards for businesses. This is yet another avenue to build credit as payments are made.

  • Pay early (or at least on time): Again, it is important to pay these entities on time, but preferably early. It is equally important that these entities report payments to credit bureaus. This will ensure that your business credit profile gets a boost.

Keep building and monitoring your business credit

Once your business credit profile is established, and in good standing, you will have a better opportunity to branch out into other forms of lending — lines of credit and business loans.

Again, it is vitally important that these lenders report to credit bureaus so that your business credit profile and history continue to rise.

It is also essential to monitor your business credit profile to ensure your record is up to date and free of errors. Unfortunately, fraudulent activity happens, and if you are not watching your credit profile regularly, this can have a detrimental impact on your business credit.

Currently, three major companies handle business credit reporting — Equifax, Experian, and Dun & Bradstreet. Each varies slightly in their reporting, but each offers ways to monitor your business credit score and standing and allows you to update business information if the need should arise.

Building business credit is not complicated, but it does take time and dedication. Doing so will ensure that your business is equipped and prepared for whatever the future may hold.

At some point, entrepreneurs and business owners consider borrowing money. Many have not accumulated enough capital and cash to hit the ground running right out the gate when starting a business.

Source: https://www.zdnet.com/article/build-business-credit/

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