Author: Maria Jackson

Dover (YC S19) is hiring our first Growth Product Engineer

Article URL: https://www.dover.com/open-roles/growth-product-engineer

Comments URL: https://news.ycombinator.com/item?id=26640412

Points: 1

# Comments: 0

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Private Business Lenders

What are Private Business Lenders and Private Business Funding?

Real estate investing is big money. But not every entrepreneur qualifies for loans from big banks, and other traditional sources. Not to worry, there are private lenders out there, willing to lend money. Private money business loans just might be the solution you’re looking for – from private business lenders.

What are Private Business Lenders?

Private business lenders are generally funded by investors, or by banks, or both. Private lenders are in the business of taking funds from private investors. They make private business purpose loans with those funds.

Investors expect a decent return from their investments, and interest rates from money borrowed from banks is significantly higher, than the banks are being charged for the funds. These factors raise the private lender’s expenses. Those expenses are then passed on to the ultimate borrower. Unlike with angel investing or venture capital, the borrower isn’t giving away a percentage of ownership.

Why Work with Private Business Lenders?

Apart from possibly not qualifying for traditional lending, there are other reasons why it may be better to work with a private lender. Banks are often tougher to deal with than private lenders. Banks are subject to significant state and federal regulations. They must work within governmental and quasi-governmental agency programs, like Fannie Mae, Freddie Mac, the VA, and HUD. These regulations often dictate which businesses a bank can lend to, and what borrower profiles should look like.

Private business lenders, while still subject to state and federal laws, are significantly less regulated. They can be more flexible in the types of loans they make, and who their customers are.

Hence is it generally easier to get approval from a private lender, versus a traditional bank. Private lenders can customize each loan based on a set of internally set criteria, like credit scores, loan to value ratio, and debt to income levels.

Learn business loan secrets and get money for your business.

Bank Approvals are Different

In contrast, bank approvals are program or computer driven. The lender only has a little discretion. Private lenders tend to take a more common sense approach, to understanding borrower issues and overcoming them.

Banks tend to look at financial histories and credit through easily traceable and documented income sources. This makes it very difficult for self-employed borrowers, for example, to qualify for bank loans.

Private lenders will be more creative, and investigative in qualifying income. They may be willing to overlook background flaws upon explanation. See rehabfinancial.com/real-estate-investment-strategy/financing-real-estate-investments/private-lender-vs-a-bank-mortgage.

Consider Private Lenders and Hard Money LoansPrivate Money for Business Credit Suite

A hard money loan is a type of real estate loan. It is issued by a private lender for non-owner occupied property. Hard money loans are usually short term. They tend to be between six and 36 months. They have a higher interest rate than traditional bank loans.

Let’s look at Hard Money Loan Approvals

You get approval for hard money loans based on the value of the real estate, rather than the creditworthiness of the borrower. These loans are often used because they have an exceptionally fast approval time. They are often closed within two to four weeks.

What is the Difference Between Hard Money Loans and Bank Loans?

The main difference is the lender. Hard money loans are almost always given by a private lender. This is so whether that’s an individual or a private lending company. These loans are used for non-owner occupied real estate. So they aren’t regulated like consumer mortgages. As a result, hard money lenders can charge higher interest rates and fees, and they can get away with terms that wouldn’t be allowed with traditional loans.

The Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) don’t often apply to commercial mortgages. But there are still regulations traditional financial institutions must follow. Federally insured banks are still regulated by the FDIC. Credit unions are regulated by the National Credit Union Administration (NCUA). But hard money lenders don’t have any regulations placed on them.

What Sorts of Real Estate is Covered by Private Money Financing?

A hard money lender may loan on any type of non-owner occupied real estate. This includes all sorts of real estate investments. But they’re often looking for situations with a fairly quick exit strategy, so they know they’ll get paid by the end of the loan term.

Let’s look at Private Small Business Loans for Fix and Flip Properties

Hard money loans are very common with fix and flip properties. In fact, many lenders will even finance the repairs. These types of deals are ideal for the lender because flips tend to be completed within six months.

If the lender is also financing the repairs, they will estimate the cost of the repairs, and issue draws as the borrower needs them to pay for the work being done. This ensures the funds are being used for the repairs. It also limits the lender’s exposure, since they’re only giving out a small amount of money at a time.

Learn business loan secrets and get money for your business.

Check out Hard Money for Repairs

Many hard money lenders prefer to finance the repairs. This way, they know the project will be completed. If the borrower gets through the demolition and runs out of money, the value may become less than the purchase price. By financing the project, they don’t have to worry about the borrower not being able to finish the job due to a lack of funds.

Consider Hard Money for Rentals

Hard money lenders will also provide short-term loans for residential real estate investment properties. The goal here is often to refinance the property in 12 to 36 months, to be able to pay off the hard money loan. Investors may use a hard money loan for a rental property if they need to be able to close the deal quickly, and don’t have the time to go to a bank. Or they may need a private loan if the rental property needs repairs before a bank will finance the deal.

Let’s look at Hard Money for Multifamily Properties

Like loans for rental properties, investors may need capital quickly to close on a multifamily property. This is the case if there’s not enough time to go through the traditional lending process. Private money lending is just plain faster.

An investor may also be buying a multifamily property with little to no tenants that needs a lot of repairs. This type of property would be hard to get financed with a bank, so they may seek out a hard money loan. Investors can get the necessary work done. And they can lease the property before refinancing it with a long term loan.

Consider Hard Money for Commercial Real Estate

A common situation with commercial real estate is an investor having a tenant to lease space to, but no property to put them in. The investor will find a vacant property that the tenant will lease out, but they have to buy the property and get it ready for the tenant first.

A bank may not want to finance a vacant property intended for use as an investment if the borrower doesn’t have the assets to secure the loan. A hard money loan can be useful in this situation to get the deal done. The investors can accomplish the tenant improvements and get the property leased. Once the tenant is in place and paying rent, a bank will be more willing to finance the real estate.

Check out Interest and Fees on Hard Money Loans

The convenience and easy approval with a hard money loan comes at a cost. Lenders will charge higher interest on hard money loans. This is because they are higher risk loans. It is also because these loans are short term.

Longer term loans will earn interest for several years from processing one loan. But the money invested in hard money loans must be reinvested every six to 36 months. There’s added cost and new risks each time that money is invested in a loan. Interest rates for these loans tend to be a few percentage points higher than traditional bank loans.

Learn business loan secrets and get money for your business.

Check out Hard Money Fees

The lender will charge upfront fees to cover the cost of processing the loan, plus any commissions being paid. This also ensures they still earn a profit; in case the borrower pays off the loan before the end of the term.

Common fees for a hard money loan include origination fee, broker fee, application fee, underwriting fee, document prep fee, processing fee, and funding fee. These fees can add up to thousands of dollars.

Consider Credit Checks and Property Values

In general, private lenders are going to be all right with average credit. Their main concern is the value of the property. Plus a lender wants to know the market the property is in. This is due to higher risk. The lender wants to be able to recover their costs in case of foreclosure. See fool.com/millionacres/real-estate-financing/hard-money-loans/5-best-hard-money-lenders.

More Details on Private Small Business Loans and Hard Money Loans

There is a balloon payment at the end of the short term. For fix and flip, the lender knows the borrower can afford the balloon payment. But in the case of a borrower looking to refinance the property by the end of the term, the may not be as willing to lend to someone with bad credit. They will look closer at the borrower’s credit and personal finances in this case. The lender may also require a higher down payment to limit their risk in case the borrower can’t pay the lender off at the end of the term.

Private lenders for business loans will look into a borrower’s experience. For a fix and flip, private business lenders will want borrowers who have completed at least a few other deals. Smaller lenders usually stick to markets they know and states that have a strong real estate market. They often don’t like rural properties and provide a lower loan to value for them.

Private Money Financing: Takeaways

Private money financing is a way for real estate investors and house flippers to get funding. Also called hard money loans, private money financing tends to have fast approvals, but higher interest rates and no regulation to speak of. Experienced flippers in urban areas with good real estate markets are more likely to get approval.

The post Private Business Lenders appeared first on Credit Suite.

New comment by heythisisom in "Ask HN: Who is hiring? (October 2020)"

Dive | Sr. Backend Engineer | India | Remote | Full Time |
https://www.letsdive.io/

Dive is a fun space for remote teams where team members can socialize. You can see who’s online, call a group, play games, watch movies together, or bond on common interest areas. You can talk, screen share, and do video chat with a click.

We are growing rapidly and are looking for Sr. Backend Engineers to join our early stage engineering team. We are seeking someone who has experience building robust backend applications and can solve complex engineering problems at scale. The role is fully Remote. You can be anywhere in the world to apply to this position

We’re a relatively small team of about 4 people – meaning your work will have a lot of impact. We truly encourage being yourself at work and it shows in the creative code we write 🙂

Our Customers love us. We have given access to the product to a very limited set of companies which includes Facebook, Google, Gitlab, Rippling etc. who absolutely love using Dive.

We use: AWS, Kubernetes, Docker, gRPC, Django, Go, Node.js, Cassandra, MariaDB, Redis, React, Redux, Javascript

If you are interested in joining our small and passionate team drop me an e-mail to om[at]letsdive[dot]io – come chat about what we’re doing, or if you have questions!

More Info: https://www.notion.so/letsdive/Careers-Dive-c75d4d1ee8c9486f…

Contact Us Page Tips: Move From Blah to Yeah!

A visitor hits your website and wants to talk to you. What does that person start searching for?

Your Contact Us page.

It’s a page on your site that pushes visitors from browser to buyer.

Contact Us pages are among the most underutilized and misunderstood resources on the web today.

Some companies don’t use them at all, and those that do have them often push these critical pages to the back burner during website revision projects.

That stops today.

I’ll share a step-by-step plan you can follow to strategize and revise this lowly web page. And I’ll use plenty of examples to spark your creativity.

Let’s get started.

What Is a Contact Us Page?

Think of a Contact Us page as a sort of digital business card. Sure, it’s short and concise. But if someone wants to reach out to you, they’ll use this page to do so.

Contact Us pages often get lumped in with other critical website resources, including:

  • About Us pages: Use this resource to explain your company’s history, goals, and direction. If someone wants to know how you became a leader in your field, the data is ready to go.
  • Help pages: Customers with critical product or service questions lean on this page to get their answers.
  • Employment pages: Job seekers need private, protected spaces to learn more about open opportunities.

A Contact Us page is different because you’re telling people more about getting in touch with you.

Your page should also embody your brand and entice that click. If your Contact Us page is the blandest one on your website, you’re not alone. The best contact us pages contain some value proposition, even when they don’t have a lot of text.

Do You Need a Contact Us Page?

A Contact Us page can’t be skipped because it is a trust signal. Share location information and highlight your phone number and email, and you’ll demonstrate to wary consumers that they can reach you at any time.

Trust and transparency matter in marketing. Contact Us pages start the process.

Five Key Contact Us Page Elements

You know you need a Contact Us page. But you have no idea what to put on the page. Push past the writer’s block, and follow this recipe for success.

A converting Contact Us page contains these critical pieces:

  1. Your company name: Don’t beat around the bush. Use your full company name.
  2. Your physical address: This can get tricky for multi-location companies. Maps often solve the problem (and more on that in a minute). If you share only one address, use the one associated with your corporate headquarters.
  3. A map to your location: Google Maps hold immense power for marketers. When customers know where you are, even when they’re looking at a mobile device, your conversion rates can skyrocket. Boost that power by adding a Google Map to your Contact Us page.
  4. Your contact information: Include a phone number, email address, and a quick data-collection form. Customers need plenty of calls to action. Fight off spam with a CAPTCHA as well.
  5. Links to relevant pages: If you know customers have product questions, show them to your Help page. If you have plenty of job seekers, highlight that Jobs page.

Don’t be tempted to clutter up the page with more details and data. Keep things clean and streamlined with this list.

Build the Perfect Contact Us Form

If you’re looking for a way to streamline customer conversations, forms are key. If you build forms correctly, routing questions is a snap.

Your form could include several fields, including:

  • Name
  • Location
  • Current customer (Y/N)
  • Question
  • Email address
  • Phone number

You might be tempted to add all of these fields to your form. The more data you have, the better, right?

Not always.

When customers face a sea of questions, they tend to click away. Form completion rates and added fields are inversely related.

To keep those conversion rates up and deliver exceptional user experience, only ask critical questions.

10 Exceptional Contact Us Page Examples

I’ve talked a lot about what should and shouldn’t go on a Contact Us page.

These ten companies have lessons anyone can apply.

Streamlined and Simple: Scorpion

Scorpion offers internet marketing services to law firms, hospitals, franchises, and more. The company shows off robust design skills on all other web pages. But this one is remarkable in its simplicity.

Customers answer one simple question with a dropdown. The answer routes them to an appropriate secondary form.

Scorpion contact us page example

Customers can also skip the hassle of forms altogether, call the number in the top-right corner of the screen, or visit one of three locations listed at the bottom of the page.

Brand Promise First: BarkBox

A subscription service for happy dogs should have a dog’s photo on a Contact Us page. And that dog should look happy. BarkBox has that element covered.

barkbox contact us page example

Customers have three different contact options sitting below that big image. They can search FAQs, start a live chat, or send an email. It’s a simple, streamlined interface made for busy dog lovers.

Personality Plus: Kick Point

This Canadian marketing firm kicks off the About Us page with a chatty, conversational tone.

Keep scrolling, and that clever voice keeps speaking. When you reach the bottom of this page, you know just how these employees talk and write.

kick point contact us page example
another kick point contact us page example

The cleverness doesn’t impede clear communication. You’re told the company’s address, email address, phone number, and more.

Crisis Communication: Powell’s Books

Powell’s puts customer communication front and center on this Contact Us page. Timely content about shipping delays comes first. Keep scrolling, and you’re taken to email addresses and phone numbers.

powell's contact us page example
powell's books contact us page example

Typically, converting Contact Us pages are short. But you can break the rules when the unexpected happens.

Arresting Graphics: Parker Lee

People hire Parker Lee to design logos, websites, and other branded elements. He puts those skills to work on this visually arresting Contact Us page. The page begins with a brand statement, but scrolling past that is a snap.

parker lee contact us page example
parker lee contact us page example map

A simple form with just four fields appears, and a clever map rounds out the page.

Forms Do the Hard Work: Six Leaf Design

This company emphasizes sales on this Contact Us page. A three-field form, with a tiny multiple-choice quiz, gets potential customers a price quote.

sixleaf contact us page example

A blue button for anxious customers leads right to a 20-minute consult appointment. For companies hoping to emphasize lead generation, this is a smart model to follow.

Friendly Faces: Byte

Who will customers talk to when they reach out? Byte answers this question with photos of real-life customer service reps ready to respond to questions.

byte contact us page example

Choose from multiple contact formats, including text, email, Facebook message, and email. All of this data is streamlined, so white space surrounds the page.

Product Photography: Freshly

Freshly offers meal-kit delivery services, and an enticing product takes up about half of this Contact Us page. Putting the product first could attract customers to jump into a purchase.

freshly contact us page example

The contact box is the clever bit. Customers can chat, call, text, or skip to email.

This is a simple, friendly interface that puts the product first.

Multi-Location Mastery: Wendy’s

How do you handle inquiries when customers have dozens of locations to choose from? Wendy’s handles this question with a “Find Wendy’s” button at the top of the page.

wendys contact us page example

Customers with questions can text or call a number displayed in big, black text. It’s nearly impossible to miss. A clever, short form rounds out the page.

Short and Sweet: My Own

I put best practices to use on my website’s Contact Us page. I use a drop-down to route questions, and I ask customers to fill out just three fields.

I keep the branding light on this page, but the colors remind my guests that they’re still on my site.

neil patel contact us page example

I also link to relevant social media sites to follow me through those platforms. My digital marketing consulting contact form is similar. Short and sweet with just the information I need to know.

Contact Us Page Do’s and Don’ts

We’ve walked through several examples of pages that convert. And we’ve shared quite a few tips you can put to use right now.

But there’s more to learn.

As you’re working on your Contact Us page, be sure to:

  • Be a good journalist. Put the important stuff first. Your visitors are there to connect with you. Make those opportunities easy to find and deliver an exceptional user experience. Save the rest for last.
  • Promote your page like a pro. Put a link to your page in your email signature and link it to your social media accounts. Make sure customers know you’re interested in a connection.
  • Link to your page. Customers look in the top-right corner of a page for Contact Us links. Make sure each page on your site connects to that critical page.

Before you publish your Contact Us page, be sure to avoid:

  • Cluttered design. Don’t fill the space with tons of graphics, jokes, or text blocks. Respect what your consumers are there to do – contact you.
  • Overconfidence. Use A/B testing to find the design your customers want. Don’t be overconfident about your design prowess — you might be surprised by what works!
  • A desktop-first mentality. Test your site on mobile devices. Try out the form fields. Plenty of customers will visit you on the go; make sure their experience is a good one.

It takes time to design a Contact Us page that converts. Don’t be afraid to slow down, test, and head back to the drawing board. You can’t afford to make mistakes on such an essential piece of your website.

Conclusion

Your Contact Us page is one of the most critical assets on your website. People head here when they want to reach you. Make that communication as quick and painless as possible.

Publish with confidence, and watch those conversion rates. If you don’t see the response you want, change it!

With experimentation and vigilance, you can develop the right Contact Us page that works for your customers, your company, and your community.

Is your current Contact Us page lacking? What can you change to make it more effective?

The post Contact Us Page Tips: Move From Blah to Yeah! appeared first on Neil Patel.

New comment by elxavicio in "Ask HN: Who is hiring? (May 2020)"

Specter | REMOTE | Software Engineering Intern (data)

Specter is looking for a software engineering intern to change the way VCs and investment funds use data to invest in startups. Our customers manage $60BN in assets.

You’ll be working remotely directly with our CTO on taking our engineering efforts to the next level, improving our data sourcing, quality assurance, scalability and performance so we can provide the best data to our customers. Ideally you have worked with NodeJS, Python, MongoDB and PostgreSQL although if you know another technology that can be applied to solve our problems please let us know! For us the “who you can become tomorrow” is more important than the “who you are today”.

So if you are a motivated individual, can work independently, you like to wear many hats and it excites you to create great products. Send us your CV and pitch us why you’d love to work with us at javier at tryspecter dot com

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New comment by tripurari001 in "Ask HN: Who wants to be hired? (May 2020)"

Location: Gurugram, India

Remote: Yes

Willing to relocate: Yes, preferred

Technologies: JavaScript, React, Node, Express, HTML, CSS/SCSS/LESS, VIM I like to write JavaScript ( Front-End/Back-End ) and love to try new Technologies currently learning Rust

Resume/CV: https://www.linkedin.com/in/tripurari-shankar-91907189/, https://github.com/tripurari001, https://twitter.com/tripurari001

Email: tripurari@protonmail.com

Hi, I am a Front-End developer with 3.5 years of experience in ( mostly but not limited to ) JavaScript( and UI library/frameworks like React ), NodeJs, Express, HTML, CSS

New comment by tankshelton in "Ask HN: Who is hiring right now?"

Caption Health | Full-time | Onsite (currently all remote) | SF Bay Area | https://captionhealth.com/careers/

You will become an integral member of a team that is working in AI for Healthcare. Specifically, Caption Health is empowering healthcare providers with new capabilities to acquire and interpret ultrasound exams using A.I. After recent FDA approval, we have begun working with several hospital systems and already have great testimonials during this hectic time. Apply via the link. I am the recruiter for all roles, feel free to ask general questions about any of them here.

Deep Learning Research Engineer: https://jobs.lever.co/captionhealth/c3ac8da0-0b48-4e2e-876f-…
Backend Tech Lead: https://jobs.lever.co/captionhealth/5c1b293f-41c4-48ea-beb8-…
Senior Backend/API Engineer: https://jobs.lever.co/captionhealth/7efd1ccd-02d8-46af-afb2-…
Senior Application Developer: https://jobs.lever.co/captionhealth/3f960434-d9ed-44c6-b895-…

Inexpensive Web organizing

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New comment by brianglow in "Ask HN: Who is hiring? (July 2019)"

Glow | Seattle, WA | Senior Software Engineering | ONSITE | https://www.glow.fm/

Glow’s mission is to help podcast creators thrive by providing them the tools to establish direct relationships with their listeners. We will enable audio creators to become audio entrepreneurs, so they can make a living doing what they love. Our goal is to create a sustainable model for high-quality content.

We are a spinout of Pioneer Square Labs, a startup studio based in Seattle.

We are looking for a Senior Software Engineer to be one of the early members of our customer-driven team. We offer an important creator-driven mission, a fun and creative culture, competitive salary and full medical/dental benefits, and unlimited podcasts.

Does this sound like you? You love podcasts. You are excited about helping creators thrive and build a living around their content. You love delivering for customers, with strong customer empathy and a track record of building customer-facing products. You work iteratively, shipping often and measuring results. You enjoy a small team where bureaucracy is low but great communication and collaboration is essential. You don’t get hung up on the boundaries of front-end, back-end, dev ops – you do whatever it takes to deliver. You think in terms of architecture and love to stitch together all elements of the software lifecycle to deliver great software. You thrive in the ambiguity and activity of a startup environment.

https://www.glow.fm/job?gh_jid=4267798002