Transaction Expert Podcast

Transaction Expert

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Transaction Expert is dedicated to your success as a business owner. We want to help you compete in this corporate economy.

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    Podcast Details
    Mar 20th, 2015
    Latest Episode
    Apr 9th, 2015
    Release Period
    No. of Episodes
    Avg. Episode Length
    6 minutes

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    \\n\\n\\nThe post How a Merchant Cash Advance Works appeared first on Transaction Expert.\",\"rating\":null,\"user_data\":{}},\"386180\":{\"air_date\":\"2015-04-07 22:30:03\",\"podcast\":7557,\"audio_url\":\"\",\"length\":363,\"review_count\":0,\"guid\":\"\",\"image_url\":null,\"slug\":\"is-your-website-mobile-friendly\",\"rating_count\":0,\"list_count\":0,\"creator_summary\":[],\"highlight\":[],\"weighted_rating_alltime\":3,\"podcast_id\":7557,\"title\":\"Is Your Website Mobile-Friendly?\",\"id\":386180,\"creator_count\":0,\"description\":\"Recently, the answer to this question became extremely important. Google has decided to block websites from the search engine results that are NOT mobile-friendly. Now, how important is Google search for your business?\\nWell if you think about it, no one is looking through the yellow-pages or even paying much attention to billboards. What customers want to do is pull out their smart-phones and go to their Google App to search for whatever they are looking for. Personally, I pull up my Google App up to 10 times a day and search for whatever I need. For example, if I want to go out to eat somewhere and I am in an area that I’m not familiar with, I just look up, “restaurant in _____,” and get results instantly to choose where I will eat or even shop.\\nGoogle has discovered an important fact.  If someone goes to a website on their smart-phone and it is not mobile-friendly, the user will simply leave your site right away. Meaning you may be losing a valuable customer. Patience runs very thin now a days, and in order to keep the focus of a user, you must prevent them from hitting that dreaded “back” button before they click on the next result and find someone else. When this happens, Google considers you to be an irrelevant site. Therefore, you’re blocked.\\n\\nWhat can you do about this?\\n\\n Get a FREE Web Grader Report.If you go to, we have a FREE Web Grader Report. All you need to do is fill out some information about your site, and then one of our online presence experts will check to see if your website is mobile-friendly. We also go through your competitors’ sites as well as Google to check SEO ranks. After, we will give you back the report that has about 10 categories about how your website is doing. I would suggest doing this ASAP to check or double check if your site is mobile friendly because if not, you will be in some big trouble with Google.\\n Find a Website company with ongoing support. We offer our clients customize design for their mobile site. We don’t provide one of those packages where they cram your desktop site into a mobile setting. A mobile site and a desktop site are different. Certain features on the mobile site need to be a certain size or in a specific place so you’re content can be seen. Through our report, you can actually see what is happening with your mobile visitors compared to your desktop ones. You can see if users are bouncing from the website, how long they are staying, and even what pages they are visiting. This will give you insight on how to change and adjust your mobile-site to be optimized so visitors can come to your mobile-site and navigate through it efficiently and successfully.\\n\\nGet a  FREE Web Grader Report at to make sure your website is mobile-enabled and also to cover a few other topics to help improve your online presence. Then, be sure to speak to your local transaction expert so they can help you take the next step. Our dedication is helping local businesses increase the number of transactions that happen in their business. A major part of that is your online-presence, and your mobile website is a major part of that.\\nJames Shepherd\\n \\nThe post Is Your Website Mobile-Friendly? appeared first on Transaction Expert.\",\"rating\":null,\"user_data\":{}},\"386181\":{\"air_date\":\"2015-04-06 22:30:04\",\"podcast\":7557,\"audio_url\":\"\",\"length\":451,\"review_count\":0,\"guid\":\"\",\"image_url\":null,\"slug\":\"4-sources-of-cash-to-grow-your-business\",\"rating_count\":0,\"list_count\":0,\"creator_summary\":[],\"highlight\":[],\"weighted_rating_alltime\":3,\"podcast_id\":7557,\"title\":\"4 Sources of Cash to Grow Your Business\",\"id\":386181,\"creator_count\":0,\"description\":\"Today, I will be discussing 4 different sources of capital for your small business to help you grow and expand. Also, I will be talking about our exciting upcoming event,“How to Find Capital,” on Monday, April 13th at 4 p.m. EST.\\n Register HERE.\\nHere are 4 different sources of cash to grow your business. \\n1. Traditional Financing \\nTraditional financing is where you would take a trip to your local bank. Usually, this would be for some larger projects where there is a business plan or you are a business who has been around for a longer period of time with some personal credit, business history, and have acquired assets. The two main factors that are considered during this process are business performance and personal credit. The pros to this kind of financing are the low interest rates and the longer time frame to pay the money back. However, once you are approved, it takes about 60 to 90 days to secure the financing you need.\\nFor my upcoming live event, I will have Steve Koval, who is my personal financing consultant for Transaction Expert as well a partner at B2B CFO Services, as a special guest. Steve has over 34 years of experience dealing with banks and other financial institutions. He will be giving us more specific information about traditional financing and exactly what these banks are looking for.\\n\\n2. SBA Loans \\nEven though these are similar to traditional financing, there are lower requirements because you are going through the government. During our live event, we will cover how to qualify for an SBA loan and what the next step would be in order to receive it. We will also be discussing different types of government funding that are available such as tax credits.\\nThese next two sources are more for short-term working capital needs whether its an opportunity to grow your business or a situation where you can purchase something for your business at a discounted price.\\nMy other special guest, Hellen McQuain of Strategic Funding, will be covering some of the non-traditional loans available. Strategic funding has given out over $500 million to small business owners. With her vast experience, Hellen will go over when it would make sense to look into a non-traditional loan and the requirements to receive one of these loans.\\n3. Merchant Cash Advance \\nA cash advance is a form of short term working capital that our merchant services company offers to clients. It’s pretty simple. You are actually selling your future credit card processing sales. The benefits are that you receive the money quickly, there aren’t many requirements other than having some credit card processing volume, and you do not need any personal guarantee. You do need to make sure your credit card processing volume is steady. A cash advance is usually funded within only 3 to 5 business days which is much faster than the traditional loan. However, the interest rate will be significantly higher because of the greater risk.\\n4. Non- Traditional Financing\\nNon- traditional financing involves something like a receivable loan or a ACH loan. These are revenue based financing. For example, a company like Strategic Funding will look at your over-all revenue or if you have recurring revenue. Even if your business may not be processing much credit card volume, it is raking up a lot in revenue, which is what these types of financing focus on. Like the cash advance, this is not based on personal guarantee, but the revenue based financing can benefit those who have more of a business to business approach. Once again, there are less constraints for business owners and interest rates are increased.\\nNo matter where your business is at right now, it is important to be aware of all 4  types of financing because during the life of your business, you may need both types of financing. As your business grows, you will end up going toward the more traditional route, but when unforeseen situations happen, there is the non- traditional option.\\nDon’t miss  out our special live event Monday, April 13th at 4 p.m. to learn even more about these sources so your business can grow and expand to it’s fullest potential. Register HERE!\\nJames Shepherd\\n \\nThe post 4 Sources of Cash to Grow Your Business appeared first on Transaction Expert.\",\"rating\":null,\"user_data\":{}},\"386183\":{\"air_date\":\"2015-03-31 22:30:00\",\"podcast\":7557,\"audio_url\":\"\",\"length\":251,\"review_count\":0,\"guid\":\"\",\"image_url\":null,\"slug\":\"are-you-set-up-to-accept-emv-transactions\",\"rating_count\":0,\"list_count\":0,\"creator_summary\":[],\"highlight\":[],\"weighted_rating_alltime\":3,\"podcast_id\":7557,\"title\":\"Are You Set Up to Accept EMV Transactions?\",\"id\":386183,\"creator_count\":0,\"description\":\"It’s very important that a small business owner is prepared to accept all different kinds of payment:  Apple pay, Mastercard, Visa, Discover, American Express, Google Wallet, etc.  Although EMV transactions may comprise as much as 30% of transactions in countries as close as Canada, they are new on the U.S. market.  EMV is often called “chip n pin” cards.  There are new credit cards coming out that are smart cards.  Instead of using a magnetic stripe and swiping the card, the EMV card contains a chip  which requires insertion of the card into the machine and entering a pin number to complete the transaction.  The EMV transaction offers better security so people can use their credit cards more responsibly.  Whereas the magnetic stripes are easy to duplicate, the smart chip is almost impossible to duplicate.  The chip and pin code necessary for EMV transactions makes it very difficult for someone to fraudulently take payment information.\\n\\nBy the time you read this, EMV is probably going to be very prevalent in the U.S. market.  You’ll be hearing more and more about it.  EMV transactions will help prevent data breaches such as the ones publicized about Target and other businesses.  The important question for a small business owner then is how to accept EMV?\\nThere are two necessary components in order to accept EMV payment.  First, there must be a slot in your credit card machine into which the card may be inserted instead of swiped, similar to an ATM machine.  The card must go in far enough for the chip to be recognized.  Second, there must be a pin pad that’s encrypted in order for a pin number to be entered.  Many machines have a slot and a pin pad but are not prepared to accept EMV transactions.  Probably less than 3% of small business owners are set to accept EMV today.\\nCompanies such as VeriFone, Hypercom, Omni, Ingenico who put the machines on the market may say the machines are EMV ready.  However, these companies didn’t consider that technology would advance quickly; the necessary software doesn’t fit into the terminal.  For instance, the VeriFone VX510 and VX570 were made with a slot for the card in preparation for EMV transactions, but the software isn’t included.  Preparing these machines for EMV transactions would be similar to putting Windows 8 onto a five year old laptop.\\nMake sure you are set up for all types of transactions, like EMV, so your business and revenue can continue to grow.\\nJames Shepherd\\nThe post Are You Set Up to Accept EMV Transactions? appeared first on Transaction Expert.\",\"rating\":null,\"user_data\":{}},\"386185\":{\"air_date\":\"2015-03-26 22:30:36\",\"podcast\":7557,\"audio_url\":\"\",\"length\":160,\"review_count\":0,\"guid\":\"\",\"image_url\":null,\"slug\":\"what-should-you-pay-for-non-qualified-transactions\",\"rating_count\":0,\"list_count\":0,\"creator_summary\":[],\"highlight\":[],\"weighted_rating_alltime\":3,\"podcast_id\":7557,\"title\":\"What Should You Pay For Non-Qualified Transactions?\",\"id\":386185,\"creator_count\":0,\"description\":\"Many small business owners only notice the qualified rate or transaction fees on their statement. Unfortunately, the large percentage of fees on your statement are for mid-qualified or non-qualified transactions. So, it is important to notice these fees and understand them. Today, I will quickly cover what you should be paying for non-qualified transactions. \\n\\nThe non-qualified rate (or “non-qual”) is going to be about 1.5% higher than your qualified fees. If your qualified rate on the statement is 1.5%, you should expect your non-qualified rate to be 3%.\\nOn your statement you will probably see qualified, mid-qualified, and non- qualified fees. However, be aware that some credit card processors may list these charges differently. For instance, some may list all transactions as qualified then add 1.5% as a surcharge.\\nIf you need some questions answered, go to Send a photo of your statement to us, and next day we’ll email back a free Excel spreadsheet with your complete cost analysis. Also, we will get you in touch with a local transaction expert to better explain and answer any other questions you may have.\\nJames Shepherd\\nThe post What Should You Pay For Non-Qualified Transactions? appeared first on Transaction Expert.\",\"rating\":null,\"user_data\":{}}},\"failed\":{},\"by_podcast\":{\"7557\":[386179,386180,386181,386181,386183,386185]}},\"favourites\":[]},\"category\":{\"categories\":{\"loading\":{},\"entities\":{\"business\":{\"id\":11,\"text\":\"Business\",\"slug\":\"business\",\"relevance\":500},\"management\":{\"id\":273,\"text\":\"Management\",\"slug\":\"management\",\"relevance\":400},\"marketing\":{\"id\":172,\"text\":\"Marketing\",\"slug\":\"marketing\",\"relevance\":300}}}},\"rating\":{\"ratings\":{\"loading\":{},\"entities\":{}}},\"tag\":{\"tags\":{\"entities\":{},\"loading\":{},\"autocomplete\":{},\"failed\":{}}},\"creator\":{\"creators\":{\"entities\":{},\"failed\":{}},\"credits\":{\"entities\":{}},\"suggested_credits\":{\"entities\":{}},\"roles\":{\"entities\":{}},\"loading\":{},\"editing\":null},\"merch\":{\"merch_products\":{\"loading\":{},\"entities\":{},\"failed\":{}}},\"claiming\":{\"feed_details\":null,\"claim_status\":{\"claimed\":false,\"validate_error\":null},\"podcasts\":{},\"user_data\":{\"claimed\":[],\"pending\":[],\"loading\":false,\"loaded\":false}}}";