E-Commerce In The 21st Century

The realm of payment technology is undergoing visible transformations, prompting businesses to adapt accordingly. In the United States, companies are bidding farewell to physical storefronts and embracing digital stores and online shopping. Automation and artificial intelligence are also rapidly gaining traction among businesses nationwide. However, amidst these trends, business-to-business (B2B) payment methods have faced challenges in keeping up.

B2B transactions involve recurring or one-time deals between two companies, such as manufacturers, distributors, wholesalers, and retailers. These transactions often involve bulk purchases and can be more intricate and costly compared to typical customer-to-business (C2B) transactions. The efficiency of a B2B deal depends on various factors, including purchase volume, transaction history, and the buyer-seller relationship.

While paper-based payments still serve a purpose and continue to play a crucial role in daily business dealings, their prominence is diminishing rapidly. Both B2B buyers and suppliers seek to streamline their transaction processes and ensure timely payments as they transition into the digital era of business.

Following the COVID-19 pandemic, 68% of small businesses have taken steps towards adopting an all-digital system, leaving behind cash and checks. It is projected that by 2025, 80% of B2B transactions could be conducted digitally. Currently, 45% of transactions still rely on manual processes, but this percentage is steadily declining.

For comprehensive insights into B2B payment methods and emerging trends, please refer to the accompanying resource provided by CardConnect.

Visit CardConnect’s website for more on ISV payments

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How Marketing and CSR Alignment Drives Positive Change

In a world where consumers increasingly prioritize ethical and socially responsible companies, aligning marketing and corporate social responsibility (CSR) strategies has become imperative for businesses. This powerful combination allows companies to create a meaningful impact while simultaneously achieving their marketing goals. In this enlightening infographic, we explore the symbiotic relationship between marketing and CSR, showcasing how companies can drive positive change.

The alignment of marketing and CSR enables companies to communicate their values, mission, and impact to a broader audience. By integrating sustainability initiatives, philanthropic endeavors, and purpose-driven campaigns into their marketing efforts, companies can connect with consumers on a deeper level, fostering loyalty and trust.

Our infographic highlights the key steps in aligning marketing and CSR strategies, including conducting a values audit, developing shared objectives, and embedding sustainability into the core business practices. We also delve into the importance of transparent and authentic communication, showcasing real-life examples of companies successfully aligning marketing and CSR to make a difference.

Infographic provided by Points of Light, an employee engagement program provider
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What Is An Invoice Factoring Company And How Can You Choose The Best?

If your business provides services to other organizations, you’re probably familiar with the process of issuing invoices and waiting for payments. While it is common for invoices to have different payment terms, it can create some issues for your business’s cash flow. This is where invoice factoring companies come in. They purchase unpaid invoices at a discount, so you get the funds you need for your business sooner. Keep reading for more details.

What is an Invoice Factoring Company?

An invoice factoring company specializes in buying a business’s unpaid invoice at a discount. In this case, your business gets a significant percentage of the invoice within a few days, while the factoring company assumes ownership of the unpaid invoice and the payment process. Once your clients pay their invoices to the factoring company, you get the rest of the money minus the factoring company’s fees.

What Should You Consider When Choosing an Invoice Factoring Company?

Getting cash for your invoices immediately rather than waiting for clients to pay boosts your cash flow, helping you meet expenses and grow your business. However, you need to choose an ideal invoice factoring company to avoid inconveniences in the long run. The following are important things to consider.

The Type of Factoring Services Offered

When applying for factoring, you need first to understand the services offered by the company. It will help you choose a factoring company that best suits your needs. There are two primary factoring services: non-recourse and recourse factoring. Recourse factoring means you’re responsible for buying back invoices that clients fail to pay to the factoring company. Non-recourse factoring means that the factoring company buys invoices outright and provides a credit guarantee on your clients. This eliminates the risk of bad debt and non-payment for clients.

The Terms and Rates

When considering invoice factoring, you should be clear about rates, terms, and conditions. Every factoring company has unique rates depending on your industry, size of your invoices, the number of invoices, customers’ credit history, and the time your clients take to pay. You should also understand whether a company charges variable or flat fees. Variable rates mean that the longer your clients take to make payments, the higher the fees. However, flat rates require you to pay a fixed fee upfront for factoring.

The Industries the Factoring Company Specializes In

Factoring benefits almost every business. However, it is crucial to work with a factoring company that understands your industry’s aspects. These include how the billing works and your client base. Such factoring companies know what is best for your business.

The Quality of Service

You cannot ignore the quality of service when choosing a factoring company. A good company will provide a dedicated team to work with you regularly and understand you and your business. This way, you can rest assured of consistency and reliability.

Work with Exemplary Professionals Today!

Business Factors & Finance has been providing factoring services to businesses in multiple industries for decades. We are a full-service company committed to playing a vital role in your business’s development. Contact us today for more information.

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Quality Content Is Being Overlooked: An SEO Trend

If you want to maintain a strong presence online in the current environment, you need to prioritize SEO. Search engine optimization is just as important as it has ever been, but a lot of people are overlooking the importance of quality content. If you run a small business, this is an opportunity for you to separate yourself from the crowd. Furthermore, you can rely on a professional SEO firm right here in Dallas that can help you make sure you have quality content on your website. What does quality content look like, and why is this being overlooked by so many businesses? Learn more about this below.

Businesses Are Falling Prey to Tech

The biggest reason why quality content is being forgotten is that businesses are falling prey to technology. It is true that you need to use advanced tools that can help you optimize your content, but you need to remember that your content is for visitors as well as search engines. If you focus all of your energy on search engines, You may not realize that your content is not readable. Yes, you need to make sure you put the right terms in the right locations, but you also need to make sure your content is attractive to your visitors.
With this in mind, what does quality content look like?

Quality Content Is Critical

Quality content comes in many shapes and forms, just like the websites they go on. There are a few important themes you need to think about if you would like to produce quality content.

The first thing you need to do is make sure your content is interesting to the reader. While you need to have a focus keyword, you also need people to stay on the page once they arrive. You can keep them interested by answering a common question. What are some common questions your readers ask? Answer them in a post.

Then, keep your sentences focused. Do not waver from the topic. Break up your content with headers to make it easier to read. You might also want to include images and videos to supplement your content and make it more interesting. Proofread your content to remove any errors that might make your content harder to read. Then, collect feedback from your readers on what they liked or didn’t like.

Trust a Professional SEO Team

If you want to have a strong online presence, you need to think about putting quality content on your website on a regular basis. Of course, you have a lot to do to keep your business running, and you might not have time to do this on your own. For this reason, you should trust a professional team that has the experience necessary to produce quality content for your site as well as the tools to track your rankings accordingly. If you want to save time and maximize the results of your SEO campaign, you need the help of experts.

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Why You Need Quality Business Advisory Services

In today’s dynamic environment it become very important for an organisation to evolve themselves in improving their overall performance and adopt different strategies for the long-term success and sustainability of an organisation.Various opportunities and challenges always come along the way for an organisation and with proper strategic planning they will be able to grasp these opportunities and increase the overall performance of the business. The right strategic planning makes an organisation make various decisions related to technology platform, new product development, manufacturing and supply chain as well as sales and marketing.

With the help of business advisory services, an organisation will be in an advantageous position as they will assist and advise their clients with strategic initiatives that help them to enhance their business value. These Agencies provide the right advisory support to a new business or an ongoing business that enable them to improve their performance and also support them to manage their risk and bring great financial transformation.

The business advisory services offerings include the following:

  • Consultation related technology and risk involved.
  • Various business Consulting including operation, strategy and market research
  • Provide transaction advice including economic analysis, valuations, due diligence and many more.
  • Analytics and intelligent automation
  • Process Consulting and financial advisory.

Most of the business advisory services offered structure services to address companies end to end business needs that further help them to achieve their mission and vision in the best way possible.They offer the right comprehensive services for the businesses that support them to leverage the right strategy while driving people, processes and information according to the need and requirements of the business for optimum utilisation of resources and people.

Business strategy

These advisory boards provide a roadmap to the company that helps a businessman to understand the customer insights and develop a vision and strategy to gain a more competitive advantage.

Program management and Enterprise portfolio

The business advisory services include the execution of a strategy along with the value realisation. They’ve worked their best to deliver the right Strategies and initiatives that align with the vision of the organisation and the professional team of staff helps the business organisation in the most efficient way to achieve their mission in the best possible manner.

The professional and experienced team of business advisory services help a business to adopt today’s market dynamics and make a strategy accordingly to compete in today’s cut-throat competition by facing various threats and grasping most of the business opportunities. These advisory services support the change to the organisation and provide tactical improvements that further helps in the large scale transformation of an organisation. The advisory boards are having experienced and professional practitioners and leaders who are experienced in their field and hence deliver excellent driver strategy that further helps the business to manage complex projects and work effectively towards the achievement of long term objectives of an organisation.

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The Many Benefits of Renting a Virtual Office

One of the great truisms about the world of business today is that it is becoming ever more globalised. As we continue to embrace and shift to accommodate the world that globalisation brings, some of the main tools in meeting those challenges are online ones. More and more leading companies – both tech startups as well as more traditional businesses – are taking advantage of online opportunities to expand their business and hire expert personnel around the globe. That being said, while you might wish to employ an international staff, and while there are certainly advantages to doing so, the logistics of meeting and planning things together can prove tricky. If your staff consists of members in Sydney, San Francisco, Shanghai, and St. Petersburg, finding a “common” meeting spot is going to prove difficult.

That is, of course, unless you use those same online tools to solve this same problem. Virtual offices are taking off in popularity for just this reason. They afford companies the opportunity to do business globally, while still retaining online and, at times, physical office space which all members of an international company can access.

Here’s how you can accomplish all that and more with the best virtual office in Sydney.

Call Handling Packages

One of the most important aspects of any business is being able to handle calls as they come in. Your call handling services are some of the first aspects of your business’s conduct and degree of professionalism that clients are going to experience, and you want to make sure that they start off with a good experience. That being said, even the best-trained office staff can be overwhelmed by a lot of calls coming in at once, especially around the holidays. What’s more, if you work online, or feature an international team, you may not have a call staff that is hired to work for one or more of your time zones, if you have one on payroll at all.

That’s why the best virtual offices offer bespoke call handling packages. Their trained team of call handling experts can answer your calls, forward them, take messages, and assist customers. What’s more, because they work remotely, you’ll be able to ensure that you have polite, diligent virtual office staff on call 24/7.

Renting out Office Space

While you and your team may predominantly work online, you may wish to sometimes use a physical location for meetings. Virtual office packages can allow you to rent out bespoke conference rooms for either one-time or regular meetings, which will allow you to use these spaces when you need them without having to pay full-time rent for a space that you’ll only use a fraction of the time.

Other Virtual Office Perks

There are many other virtual office perks, as well. For example, you can tweak those call handling and boardroom renting features to suit your company’s specific needs. What’s more, you’ll also be able to use the property’s address as your own on your website, which will allow you to get mail delivered to a professional business address.

Discover the benefits of virtual offices in the Sydney area.

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Top Reasons Why You Need a Serviced Office

There are a lot of aspects that come with running a business, such as the way it looks and your location. As a business owner, you will end up spending a lot of time speaking with people and meeting large teams for various purposes.

Having the right office space for your business operations doesn’t just help with making your business grow, but it also helps with its reputation and a myriad of other features. When a business is just starting out, though, it isn’t always easy to buy an office space, fully furnish it, and do all the things needed to make it run smoothly.

There is a solution to this problem. Renting out a serviced office means that you get to save your money and get an office space that comes with all of the things needed to run your business smoothly.

Don’t Worry Furnishing Your Office

Moving into an office often means taking all of your items from an old office and transporting them to a new one. If you don’t have any old items, you often have to spend a large amount of money on furnishing your office with the latest equipment, which may not be in your budget. Things get even more expensive if you have other employees that you have to get equipment for, as well.

With a serviced office, all of the tools that you need to run your business are provided. In fact, there is no setup required. Your serviced office even gives you the internet connection and other administrative requirements needed to make sure that everything works well from the moment you step into your office space.


Purchasing an office space usually means that you have to sign into an agreement that lasts for upwards of five years. It’s difficult for any small business owner to plan that far ahead, which is exactly why getting serviced offices in Sydney are a much more valid option. Rent the serviced office for as long as you need. If you need to hold onto the office a bit longer than intended or leave after only using it for a few months, then you’re free to do so.


Getting an office space that is in a prime location can be both expensive and time consuming. People spend tons of money trying to get an office in an ideal location. You can get the same benefits of being in a great location without any of the expensive requirements that come along with it.

Not only does having an office in a good location help with impressing potential clients and business partners, but it also gives you the opportunity to converse and communicate with other professionals in the area.

Focus on Your Business

There is so much work that comes with making a business successful. Getting a serviced office takes a lot of the burden away from you to maintain your workspace, and you are able to dedicate that time to focus on making your business more successful instead.

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Keeping the Books Balanced Truthfully

Doing business anywhere in the world can be hard enough, keeping compliant with all of the various rules and regulations, which impact every industry, but it gets even harder of course, when you start doing business in a different country, with different laws, customs and taxes. This is even more important where finance is concerned, and making sure that your trading activities comply with all of the necessary regulations, because obviously being seen as a trustworthy company is of absolute necessity. When the company books are being prepared and audited, investors want to be comfortable that the results they are reading, are indeed accurate.

Auditing in the UAE

In December of 2014 the UAE began to address some serious misgivings that were present in the market, when just about anybody could set themselves up as an auditor, even using a degree from a totally unrelated industry, with which to do so. Federal Law number 12 of that year, signed by Sheikh Khalifa, President of the UAE, set new and stricter guidelines for licensing of auditing companies and individuals, who subsequently were obliged to hold a minimum of a Bachelor’s degree in accounting, or an equivalent qualification. It was a move which was welcomed by senior accounting and auditing bodies, which was believed would be beneficial for the country’s economic growth. In addition to holding the correct degree, auditors were also required to take ongoing education and training to be able to remain qualified. A further aspect was that publicly listed companies were required by law, to change their auditors every four years, with a view to prevent ongoing fraud and preserve auditors’ independence.

The Importance of Auditing Veracity

A company’s audited finances are right at the centre of the credit assessment undertaken by lending institutions and for loan proposals from the banks, so the need for their genuine accuracy can’t be stressed too highly. Around the world the industry is very heavily regulated, with demanding criteria on the firms who are able to register, and the nature of the companies to whom they can audit. The performance of such firms are regularly and carefully monitored, to ensure their performance and quality of work. Any suggestion or complaint of suspected fraud or malpractice is very seriously investigated and highly professional standards are maintained. This is not to say that fraud has been totally stamped out, as cases do occur continuously, pretty much everywhere.

Licensing and Regulating

While the market in the UAE is licensed, so that only people with the correct financial qualifications are able to register, it is currently unregulated, leaving the auditing industry to self-regulate themselves, which is clearly a less than admirable situation. Self-regulation is all very well for those with a high reputation, who wish to maintain the highest standards and their good name, but it leaves those with lower moral values in a position to essentially do as they please. The quality of audited financial statements is not being questioned, common standards are not being set, or adhered to, and nobody is keeping track of auditors who are regularly found in error. There is no body keeping any control, no discipline is being enforced and punitive options for offenders are non-existent. If we look back to the financial crisis that occurred in the UAE between 2015-17, a fair chunk of the blame can be laid squarely at the door of some poor performances by sub-standard auditors, which unfortunately happened to be a significant majority of them. Obviously it is the owners and financial officers of companies who fabricate their statements who create the initial problem, though whether the auditing on such books is complicit in the fraud, or just simply incompetent, still leaves us in the same position, with lenders finding it very difficult to ascertain who is a safe proposition to lend to and who is not.

Finding a Good Auditor

There are plenty of totally respectable, qualified and professional auditors and accountants in Dubai, who are providing an excellent service for their clients, though they are being undermined somewhat by the growing number of less than reputable firms, who find the licensing criteria too simple and undemanding. Based upon the old tenet that the labourer is worthy of his hire, so too a professional auditing company is going to charge consummate levels of fees. When you combine this with the fact that there is no such thing as a free lunch, if you are offered auditing services for a pittance of what you should expect to be paying, or offering you the finished work in an amazingly short period of time, you probably want to cease considering such a firm immediately. To perform their task correctly, an auditor should not only verify the accounts that they are certifying, but look at the underlying methods which determine how those accounts were actually produced by the client.

Avoiding Conflicts of Interest

Your auditor should be totally above board and beyond reproach, which means there are certain activities which they should not be participating in on your behalf. For example, an auditor who is checking your accounts should never be involved in any way with assistance in finding finance for the company, as it could be construed that they might subsequently produce inaccurate and misleading accounts. It is not possible for your bookkeeper to also be your finance management, while providing audited statements, without having very serious conflicts of interest, a practice seen all too often at the moment.

Industry Regulation is Required

The situation today should probably have seen intervention already by the UAE Banking Federation, or at minimum, seen the banks adopting a unified approach on matters, which has not yet manifested itself. Neither the banks nor anyone else, seems to have any way of rating auditors, or identifying which are reputable and professional and which are a bunch of incompetents or crooks. Bad auditors can just carry on regardless, when they would have been blacklisted in more sophisticated and regulated markets.

It is important for the country as a whole to see this market properly regulated, which will provide much confidence in the market and help to drive further growth. Until such time as it happens though, you should choose your company auditor with the most extreme level of care.

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Benefits of Obtaining a Small Business Loan from an Online Lender

Do you need additional funds for your small business? If you have bad credit or need funds quickly, online lenders provide the most efficient solution. You simply need to visit a website to get started on the application process.

Get Approved for a Loan Quickly

When you apply for a loan through an online lender, you do not need to leave the office and travel to a bank to meet in person. Instead, you complete a simple online application process that typically takes five minutes or less. This saves you time that is better spent on other tasks.

The streamlined approach of obtaining a loan through an online lender is easier for business owners who do not want to deal with the hassles of working with a traditional lender. This same streamlined approach applies to your payments. Online lenders allow you to set up payment plans that work for you.

Transfer Funds within the Same Day

When you apply for a loan from a traditional lender, it is highly unlikely that you will get approved and receive your funds within the same day. With online lenders, you can typically receive your funds the same day that you get approved.

Within 24 to 48 hours, you may transfer money to your business account and begin covering your expenses. This allows smaller businesses to remain competitive and act on business opportunities quickly. These options may be essential to the success of your business.

Multiple Types of Business Loans

Online lenders such as Max Funding provide multiple types of loans to give businesses options to suit their specific financial needs. These loan options include fast business loans, equity loans, and unsecured business loans.

If you have yet to build a solid credit history, you may have trouble getting approved by a mainstream lender. Pre-approval for a fast business loan is typically completed within minutes even for those with bad credit.

Equity business loans also provide a convenient solution for business owners with bad credit. However, collateral is required to establish this line of credit. Without collateral, an unsecured loan may be obtained, ensuring that all businesses have an option for receiving additional funds.

Select Terms That Meet Your Needs

Short-term loans from online lenders allow you to develop a business plan that does not leave you with substantial debt that will take years to pay off. These loans often have a maximum duration of 36 months, depending on the type of loan that you obtain.

If you are having difficulty obtaining a loan from a mainstream lender, do not forget that there are other solutions. Online lenders provide fast loans to business owners who lack collateral or who have bad credit. You may even receive the funds that you need the same day and get approved within minutes.

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European Company Incorporation – Marrying Your Objectives right EU Country

European company incorporation continues to be appealing to overseas along with other non-EU residents for several years as well as for a lot of reasons. Some business proprietors desire to escape an oppressive tax structure. Some seek use of geographically favorable trade routes that match the requirements of their current business. And a few seek a company entity that was already ready-made, created, and passed all rules, to allow them to meet some stringent time deadline. Whatever your need, using the incredibly diverse corporate structures and incentives provided by the numerous countries from the Eu (EU), there is the right situation for the business somewhere within the EU, and European company incorporation delivers it.

The bottom line is in matching your objectives using the prospective rewards from the different EU countries. For example, an experienced European company incorporation specialist which uses local European attorneys and accountants can tell you just how all earnings and capital from your Estonian business of non-EU residents could be repatriated without any charges. Which small Baltic condition provides an atmosphere of regulatory freedom for move that is considered the most liberal on the planet. You will find without any tariffs you incur. However, if you want to staff a workplace or business, Estonia is most likely not perfect place, as skilled labor is within low supply.

By having an entirely different group of advantages and disadvantages, Ireland provides a world’s-best % corporate tax for that first 3 years of the European company incorporation, but additionally has among the greatest employment levels of all of the EU countries. What this means is, like Estonia, you’ve got a harder time staffing an actual office, however a virtual office could be ideal there.

And regardless which country you select for the European company incorporation, if speed is an excuse for meeting putting in a bid deadlines or any other time limitations, a ready-made company within the right EU country means the complete minimal turnaround time, and instant European business respectability and cache. These businesses happen to be registered and shelved, and already show a vintage history, ideal for virtual offices and absentee possession.

You will find 27 EU member states or countries, but not every one of individuals now utilize aggressive, liberal attitudes toward attracting non-EU residents as business proprietors. Your European company incorporation specialist that actually works with EU local company pros respected within their fields can make sure you marry the right EU business vehicle to your demands and goals, and provide the fastest effective EU corporation possible.

Company Formations Limited is really a United kingdom based company, who arrange all kinds of worldwide and European company formations.

We provide a genuine and repair orientated approach, which depends on effective communication. This will make the entire process as relaxed as you possibly can for you personally.

Venture Haven believes that good and proper accounts enable the clients to maintain their standards of daily work. As a result, they would offer you with perfect and suitable company incorporation package to suit your needs and requirements in the right manner.

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