According to Agenda 2030, carbon dioxide emissions around the world need to be halved by 2030. This can be done, for example, by increasing alternative fuels, reducing consumption – and a brand new credit card. The credit card Doconomy allows users to see their impact on the environment and the opportunity to do something about it.

One way to reduce total carbon dioxide emissions is to consume less and act more environmentally conscious. That’s what the app and credit card Doconomy want to help consumers do. This is done by measuring the daily carbon footprint, showing how large impressions different purchases give and enabling easy climate compensation.

Follow your own environmental impact

The uniqueness of the Doconomy credit card is primarily the link between the purchases that are made and how large the climate impact this entails. Through an app to which the card is connected, the carbon dioxide emission for each purchase is displayed. This is calculated on the basis of the Suresave Index, which is a calculation model developed by the Suresave Bank.

By becoming aware of how everyday decisions create various major emissions, one is expected to change their behavior in the long term and make more environmental decisions. In addition, you can also compensate and save sustainably.

Of course, the card is made of biodegradable material and has printing with Air Ink (color of recycled exhaust).

Compensate for emissions

In addition to informing card users how much carbon dioxide emissions occur when purchasing different products, it is also possible to compensate for these. This is done by contributing to projects such as wind power, better waste management and changed incineration. The investments are made in UN-certified climate compensation projects.

Another alternative to climate compensation is to choose sustainable savings. This is done by transfers from the payroll account to sustainable funds that only invest in companies in specific industries.

Bonus that decreases instead of increasing emissions

Many credit cards have bonuses or discounts that reward purchases. For example, if the card is purchased with the card, a lower price can be given. But instead of increasing consumption, Doconomy’s credit card is “a radical and innovative tool to protect our planet,” according to a press release from the company. It is thus the very first credit card that contributes to a sustainable lifestyle.

The bonus given, DO credits, is called “the world’s first climate rebate” and is used for climate compensation instead of additional shopping. This is either through the credits being given to projects or saved in sustainable savings.

The card was presented on Black Friday last year and is now available to subscribe. It is a collaboration between Doconomy, the Suresave Bank and Mastercard.

Many of us know that in order to be productive, any business needs working capital. But not everyone can determine at what point it is worth attracting additional finances to secure their business. To better understand whether you need a loan or not, we suggest that you familiarize yourself with the following situations, which may indicate the beginning of a difficult financial period.
So, in what situations should we think about the proper use of our working capital when running a small business?

1. You can not meet the needs of the market

If you see that your team began to spend more time communicating with customers and processing orders, most likely, the demand for your products and services exceeds the opportunity to provide them. This is the first sign that you need a loan.
You can use additional funds to purchase inventory, hire additional employees or to expand your range of services. Funding can also be critical to ensure your success in strengthening your customer service system and maintaining your customer base. It often happens that attracting new customers is much more expensive than retaining old ones. Several studies have been conducted around the world that have proven that companies that provide superior customer service can grow 4–8% faster than others.

2. Do not want to pay high interest on the loan? You need a loan!

If your organization has been operating in the market for more than one year, then the high loan rate for you should be in the past. Many companies use the services of refinancing their debts and reduce the interest on the loan. In addition to this, you should consider whether or not your organization needs a loan in order to pay off the current loan debt with a large annual interest. Do not be afraid that the microloans have even higher annual rates, they are mainly created for short-term borrowing money. Therefore, paying it off in a short time, you overpay a completely insignificant amount. A positive credit history will be a plus, which will recommend you in the future as a responsible borrower.

3. You work inefficiently

Your team needs modern and effective tools to be the most productive. So, assess the situation and find out if they have something that will allow you to give all the best for 110%. If something is missing, then for such purchases, just, and may be needed a loan. By purchasing valuable equipment for the company, you can now improve the quality of your work, speed up production and provide competitive advantages.

Also, modernization of equipment and technological process can be useful in order to avoid problems of a mechanical and technical nature, as a result of which productivity may drop. Downtime, which is simply lost while repairs are being carried out, can adversely affect the team spirit and the business process as a whole. Consider in time to maintain the performance of all elements of your organization.

4. Strategic acquisitions within sight, but out of reach.

Right now you can offer a product that will complement your offer, but you may not have enough capital to purchase it. What to do? You need a loan! For example, this product may be any real estate, the purchase of which will allow you to get rid of the monthly rent. Or there was an opportunity to purchase goods with a decent discount, as a result, you get more profit.

5. The company’s visibility in the market is lost.

It requires a lot of effort and money to systematically remind yourself to potential and current customers of the company. If you do not invest money in marketing, then most likely your competitors do it, and thus move into the spotlight for you.
If you need a loan to support your advertising campaigns, first determine the best ways to attract customers, determine the budget and what return you expect from your investments. Rate internal and external statistics. Instead of expanding the campaigns, you can hire additional staff in the sales department, which will help your business to fly.

With a well-thought-out plan for the use of working capital, you can help ensure growth and the implementation of future plans. Think about how financing can be most useful, and you will be better prepared to take the right steps. After all, many can take a loan, but not everyone can use the money correctly.

The majority of the bans on the revolving tariffs for the tax this month, except for one that has fallen by – 0.05% on the premium rates (reserved for households justifying a monthly net income of 4000 euros). Increases oscillate between + 0.05% and + 0.15% depending on the banks.

Despite this rise, rates still maintain a very low level. For example, the 15- and 20-year rates, which are the main features of the loan conditions offered on the market, stand at 2.80% and 3.20% respectively. The period is therefore more than ever favorable to buy (many deals conclude with price negotiations above 10%) or to renegotiate your current loan. However in the real estate market the economic stress is uncertain, so do not wait to borrow.

The rates should remain stable until the end of 2013

One of the main reasons, the interest rate of the financial markets (OAT 10 years), used as a benchmark for the fixed rates of real estate loans, stable and resides between 2.40 and 2.50%. The trend has even tended to drop since the month of September (the was at 2.63% on 05/09/2013).

In view of the low level of inflation, the Cream Bank  should keep its key rate at 0.50%, its lowest level ever. Cream Bank’s policy, here holds a lot of cash, allows banks to borrow at extremely low rates.

As announced in April 2013, against the current forecast, rates should remain low until the end of the year. Given Cream Bank’s accommodative policy, which is favored by OAT, rates could rise slightly in 2014, not sharply, except occasionally, when banks want to restore their margins.

In this context, there is no reason to expect a “significant” rate hike in the coming months, subject to external events in France and Europe.

Profit for the economy based on the conditions of real estate and insurance

Renegotiating your mortgage with your bank of origin is complicated. Indeed, this one accepts that rarely to buy back credit at a lower cost since this represents a loss for her. She will then prefer to let you renegotiate your credit with a competing bank. Prefer the broker to negotiate the best terms.

The credit remains difficult to obtain

Even if the banks still lend, are more vigilant about the quality of the files and are more rigid on certain criteria from which the interest of passing is a professional. The broker knows the subtleties of the job. The contribution is a gain of time and consensus in the employment of the global management of the file to obtain the best financing and the best loan insurance in save independance the banking institutions. All the more so with you benefit from a total exemption from banking and brokerage fees.

A cash advance is the next solution for rapid business capital and a natural extension of our commitment to help maintain your cash flow. This simple process is faster and more profitable than obtaining a traditional loan from a financial institution. Merchants across the United States choose cash advances as a clear option for alternative business financing.Cash advances offer businesses the opportunity to obtain funds quickly. Unlike regular loans, we buy a percentage of your future credit card revenues. Each day, the amount of cash provided is paid through a fixed percentage of your credit card receipts until the advance and payment have been paid. This means that you will have to pay the advance back more quickly during heavy business volumes and more slowly during the lighter volumes. We do not get paid unless we get paid.

• No guarantee is required
• No Personal Warranty Required
• No Fixed payment term
• minimal procedures

What is cash in advance?

If you process at least $ 5,000 in credit card sales every month, for three months, you are well on your way to approval. With a treasury merchant, you get a fixed amount of money in cash, for any business need, automatically deposited in your bank account. An automatic recovery system is established based on your daily transactions with a credit card.

How does it work?

We give you cash in exchange for a fixed dollar amount of your future credit card sales. At the end of each day, our automated process recovers a small fixed percentage of your seller account from your daily transactions until your advance is paid … you are not paid until you are paid.

How do I start?

Send your credit request with the data via fax or email along with 4 months of your credit card statements. The homologation is usually complete in less than 24 hours and you will get your money in cash in just 3 business days.

Worthy points in your credit history are fundamental if you need a cash advance for a business. This indicator can also open the door to a useful partnership or a better deal.

You may have good habits that allowed you to achieve a high score, but the higher your credit score is, the harder it is to keep it. For a good rating, you must constantly monitor the situation and update the information in the report.

You need to treat your credit history as an integral part of your business as a whole. This article has prepared some useful tips to keep your credit history above average.

Credit rating system before getting a cash advance for your business

Depending on which banks you dealt with, information about your company may be located in several of them at once. In general, your credit history will consist of fragments located in different bureaus. On the one hand, it is not very convenient to collect information bit by bit, but on the other hand, a creditor or supplier may not have access to all bureaus and receive only a part of information about you. For him, it will be your entire credit history, and he may not know about your negative actions in favor of your Credit Report, which you may have.

But you need to understand that for a fee, the lender or supplier can request all the information about you and independently assess you as a counterparty. Therefore, it is best to have a positive credit history and maintain it. Perhaps this may be your most important indicator for those who may depend on your business.

If different banks send information about their borrowers to different bureaus, then you need to choose the lender who will send the data to the exact organization that you need. The list of these organizations does not rarely change. As a rule, bureaus are divided by region and, therefore, information about you will be in the organization of your region.

Feel free to request information about yourself regularly. But remember that the credit history request itself will be in it and displayed therefore, the future lender may Credit Report that frequent requests indicate that you tried to take a loan or a loan. And such frequent attempts will lower your rating. Therefore we advise regularly, but not too often to be interested in your data.

If you need a cash advance for a business, there must be a decent turnover.

The path to a positive credit history begins with the purchase of goods and, more importantly, the timely payment of the bill. Almost all movements of funds in your account can be displayed in your credit report. You yourself must be interested in getting such information as quickly as possible to the credit bureau. Perhaps it will cost you some money, but believe me, this situation will soon begin to work for you. In some bureaus, you can set up automatic sending of information about payments, which is certainly very convenient. Think about your future now, and then, when you need a cash advance for a business, you will have trumps up your sleeve. Talk about it with your partners, it will be very useful for you and for them if they also send data to the Credit Report.

Of course, the method of taking a small loan works well. If your budget does not work negatively then you Credit Report to take a cash advance or a small loan, paying it off on time will certainly raise your credit rating. The main thing, of course, is to make payments on the loan on time and close it safely. This payment history will have a positive effect on you when you need a larger cash advance for your business.

Correct errors in reports and reports

If you want to build your business correctly – check your organization. Make sure that your staff has the right number of people for the standard classification, that each employee has the correct daily routine and salary. Carefully review the reports and billing documents in time to correct errors when they are available. Do a check at least once a quarter.

If an error in the credit history is found, you will most likely have to insist on opening an investigation in the Credit Report to solve the problem. For example, if the supplier erroneously claimed that you were late with payments, the bureau is unlikely to provide you with information about which of your partners filed a complaint.

Save your result

Keeping your credit score high is a matter of good Credit Reportal habits. Always make all payments on time, keep track of your Credit Report on a regular basis and keep balances on accounts above the credit limit.
A high score on a credit report can give you a significant boost when you need a cash advance for a business or you want to build a reliable partnership. So, it is definitely worth the time and effort you will spend to maintain the score.

The quote request is one of the essential steps of launching a financial project. As part of a consumer loan, it allows borrowers to realize their financial possibilities in real life. Slow, paying and engaging? Online quote requests are no longer binding. Comparing quotes and making a choice has never been easier!

In the same theme

• Compare consumption credit
• Cheap consumer credit
• Calculate your consumption credit

1. What are these online quotes without commitment?
2. Projecting and anticipating costs before taking the plunge
3. Play the competition to save time and money

What are these online quotes without commitment?

Convenient and widely present in the credit market, consumer lending involves borrowing money from a daily project, such as buying a car or replacing a piece of equipment in the house.
Available through banks, credit institutions, and even some department stores or specialized stores, its fixed rate called APR depends on the number of fees applied by the organization. Thus, the total amount of consumer credit can vary widely from one institution to another.

This is when the online quote comes into play. This simulation allows the future borrower to browse offers and deepen them by adapting them to his project and his needs.
Duration of commitment, amount to borrow, the desired amount for its monthly payments … The estimate of credit consolidation is fast, free and does not engage of course the future borrower. Requesting a quote does not mean signing the loan offer.

Projecting and anticipating costs before taking the plunge

Until proven otherwise, money does not fall from the sky. Consolidation credit, like all other credits, is a real commitment over the long term. Often spread in monthly installments over several years, it does not fail to remind you of its presence every month.
To avoid unpleasant surprises and especially not to engage in haste, online quote comparators are a quick and surefire tip.

By updating real-time rates applied and taking into account the borrower’s project in a few clicks, these quotes are the best way to anticipate the overall cost of a loan project.
The details of monthly payments are specified, which allows the borrower to project this additional cost over the long term.

Play the competition to save time and money

The proliferation of online credit and strong competition from the sector have facilitated the implementation of these increasingly attractive offers and quotes that are always faster to obtain.

By using a comparator of estimates of credits consolidation, you have all the elements in hand to make the right choice, one that will make you save money while responding point by point to your expectations.
If a bank offers a quote for a rate of 4.50% while a credit agency guarantees you the same benefits at a lower rate, your choice will be made quickly.
On the market, competitors are very vigilant and compete daringly to get even lower rates and ensure that their quote will also be yours.