enterprise (8)


How to buy a new car with bad credit to drive for Lyft and Uber?

If you’re struggling with employment, bad credit, or transportation, you may want to consider ridesharing.   Although, you need a car you have several options to get that transportation like the following:

1. Buying a car

Buying a car is a big challenge for a person with bad credit.  However, you still have options to own a car and build a business through ridesharing.  If you’re employed but have bad credit you can buy a car from a buy here pay here car company.  They do not look at your personal credit which is perfect if you have bad credit. You may also have the option to borrow a car from a love one that has multiple cars and making payments to them.  Understanding buying a car is no small purchase, however, having the opportunity to up $16 an hour ridesharing it may just be worth the investment.

2. Express Drive

Lyft has partnered with General Motors to provide rental cars via the Express Drive Program, with weekly rates between $135 and $250. Drivers are eligible for $0 weekly rates when they hit 75 rides a week.

You’ll need to drive most of the week to bank that many rides, so it’s best for people who are looking to test the full-time driver lifestyle but don’t want to commit to buying a car.

3. Hertz and Enterprise

Hertz has partnered with Lyft and Uber to provide rideshare rentals. Lyft's deal starts at $165 for weekly rentals of compact sedans. After a certain number of rides per week, which varies regionally, drivers can earn a Power Driver Bonus to cover the rental cost.

Uber’s deal with Hertz is similar to Lyft Express Drive, but the two programs are offered in different cities. The Uber program has a $180-per-week base rate, which drops to zero after 75 rides a week.


Enterprise’s rentals, specifically for Uber, are a pricier $215 a week.

Renting is typically more expensive than buying a car and making monthly payments, but if you're a high-volume driver it basically can become free. Plus, if you don’t like rideshare driving, you can quit after a short trial period.

4. Uber Xchange

Uber Xchange offers short-term car leases from partnering car dealerships. Drivers pay a $250 deposit to start and make weekly payments over three years. Xchange leases to people with poor credit, but monthly totals and interest rates are much higher than with conventional financing.

For example, a 2013 Toyota Camry L Base leased through Uber Xchange may cost 156 weekly payments of $130, or $520 monthly. Comparatively, leasing a 2017 Camry through a Toyota dealer is only $199 a month — though you need a good credit score.

Xchange saves drivers money by including maintenance and insurance, but this means full-time drivers are dependent on Uber servicing their cars quickly.

“My car was in a shop over a month while a claim was investigated, and the people in the Xchange office had no willingness to work with me on payments since I was generating no income,” says James Taylor, an Uber driver from Los Angeles.

However, Xchange offers unlimited mileage, whereas traditional leases typically start charging extra after 12,000 miles. It also allows members to return the car and back out after 30 days – minus the $250 deposit.


Consider Xchange only if you’re driving 40-plus hours per week, want a car for personal use and can’t get other financing because of your credit. Remember, some lenders may be able to help you buy a used car at a better price.

5. Hyrecar

Hyrecar is a peer-to-peer rental service specifically for ridesharing. Uber and Lyft drivers connect with car owners to use their vehicles at varying daily, weekly and monthly rates. There are no contracts or sign-up fees, and daily rates are as low as $35. Weekly rates float around $200 to $300.

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Business Credit America has done it again. This time, their taking on the credit industry to prove to Americans it is still possible to build business credit. Their offering a free business credit forum and BUSINESS training teaching entrepreneurs, small business owners, internet and online marketers how to properly structure themselves for the best asset protection.

As the banks and other financial institutions still refuse to help the American economy rebuild itself, Business Credit America has decided, they will not wait until after an election to help revive the economy. A spokesperson for the company, said “they feel the American Economy should not be struggling when you have so many multimillionaires that are able to help small business owners keep their business going and help start new businesses”.

Business Credit America is offering a Free Business Credit Forum and Business Training to the American public. Learn some of the Basic things most business owners miss in order to have a successful business

• Learn, How to properly structure your business for the strongest asset protection
• Learn how to properly order you EIN number
• Learn about current trade vendors that offer business credit on net terms, such as ShareDaLuv.com, AZSnaxks.net, TradeSmartProducts.com, VipElectronicsCenter.com, SNS.com, these are just a few trade vendors.
• Learn the difference between a Paydex score and a Business Credit Score
• Learn how to properly file a Ucc-1 financial statement to help your business or personal credit
Business Credit America offer so much business information to help get the American Economy get back going. Check them out at BusinessCreditAmerica.com and join their free business credit forum today, IT’S FREE http://BusinessCreditAmerica.com

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How to get Business Credit Cards Without a Personal Guarantee? http://BusinessCreditAmerica.com 1-888-821-6408x2
How to get a Business Credit Card with out a Personal Guarantee is a step by step process. First you have to see what business is more favorable to banks, which is called SIC CODE. Once you know and understand this step then you can continue on with the proper step to get business credit cards.

Here are the necessary steps to get a Business Credit Card with out a Personal Guarantee.

Know you Sic Code for what type of business your looking to Start.
Call and get your EIN#/TAX ID# over the phone not online and please make sure you use Incorporated at the end of your company name.
Incorporate your business to a C-Corporation Banks love this entity.
Get your Dun and Bradstreet Number from their website. DandB.com. You want the number thru the CCR Government program. This way you get the number for Free and within 48hrs instead of 30 days.
You need to have Projected Financials submitted to Dun and Bradstreet in order to a Clear complete file this is very important.
You need to file Ucc-1 lien against your business for the money and equipment, you invest in the business to get it started. This is very important to creditors.
Once these steps are completed then you need at least 6 to 9 Net30 Accounts such as http://www.sharedaluv.com/, http://vipelectronicscenter.com/, http://www.tradesmartproducts.com/index.html, http://www.azsnacks.net/, http://ucc-1credit.com/, https://www.stntsol.com/, Grainger, Uline, Seton, nebs, deluxe and so on. Remember Dun and Bradstreet does not report your credit limits, they report the amount you spend on purchase, so the more you spend on products the better the tradeline looks on your business credit file.

If you follow this step by step, you're guaranteed to get Business Credit cards with out a Personal Guarantee.http://www.businesscreditamerica.com/services.html

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Help Me Win A Trip


I would like to solicit your comments on my recent interview with Alfred Edmond, Jr. , SVP/Editor-at-large of Black Enterprise Magazine.  I was given 10 minutes to interview Mr. Edmond about the challenges facing minority/women entrepreneurs.  Please review the video link below and add your comments to the website.  In the next few days, your comments will be tallied and the blogger with the most comments will be given a pass to the Black Enterprise Conference.  It is conferences like this that have allowed me to grow my own business as well as introduce new trends to clients.  I would be greatly appreciate it if you would share with friends and encourage them to comment as well.



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Get Up!

I ran across this article this week and thought I'd share. It's called:

"Young Bosses: 6 Successful Brand Builders Who Got An Early Start Learn from these business leaders how to take charge at an early age and change the game."


This article was great motivation to read how these business owners (although young when they started) started and grew their businesses to successful multi-million dollar businesses because of an IDEA. I think we sometimes forget that that's all it takes. An IDEA. If you have an IDEA  that you think would make you successful, then run with it! See what happens with it. The worse thing that could happen is that you have to tweak it here and there so you can make your millions.


After reading the article, answer these questions...What ideas have you been thinking about for YEARS but just haven't put into fruition?

What's holding you back? What are your fears?

What would happen if you DON'T put this idea into action? How much would you beat yourself up if someone else did it, just like you wanted to?

How do you get started? Well, I have an answer for that! Sometimes we need an objective person to bounce ideas off of  and answer questions we don't know the answers to. I can help you. Contact me today!

GET UP and stop sitting on these great ideas and letting time pass you by. If you don't do it now, then WHEN? Take the first step today.





If you need help staying focused and motivated to be the best you and gain a profitable business to increase your finances let me help you. Subscribe to my blog today and receive a FREE 30 minute consultation and 1 follow up appointment. ONLY FOR A LIMITED TIME, SUBSCRIBE TODAY!
Let us feature you on PeopleWhoProsperTV! Click here for more information...

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15seconds-300x132.jpgElevator Pitch Competition

For the past few weeks, I've been squawking about how amazing the 2011 Black Enterprise Entrepreneur's Conference turned out to be. One of the most exciting events was the Elevator Pitch Competition.  The winner took home a whopping prize of $10k (congrats to our home town hero Brandon Butler of The Website Shop).   Contestants were first given 60 seconds to pitch their product or service, and finalists were allowed 30 seconds to re-pitch.  This competition was geared towards investors, and I couldn't help but think that a pitch to an ACTUAL prospect should be much shorter and sweeter.

15 is the New 30

For the last 4 years, I have been training clients to perfect a 15-second pitch.  The premise is to make the pitch feel more like a conversation than a used car salesman's chatter.  One trait of a successful brand is the ability to remain acutely aware of trends. Ever notice how quickly people get distracted or bored these days?  As we embrace the trend of the 'microwave' age (age of  instant access), its pretty clear that Attention Spans have become shorter and shorter. ThatCompany.com recently posted an article siting that the 15-second commercial is becoming increasingly more popular (READ FULL ARTICLE).   So if major brands are limiting their message to 15 seconds, why shouldn't you?

Potential clients only give you their undivided focus for about 3-7 seconds before they decide to stay plugged in or check out.  If they remain plugged in, then you have a good chance of connecting within the 15 second window.  I know what you are thinking.  How can you possibly say everything relevant in 15 seconds?  The short answer is that you can't, nor do you need to.  If the client is interested after the first 15 seconds, they will engage you and ask for more information. Often times you can squeeze in another 15-30 seconds of your spiel. And if your pitch resonates, you can get in up to 1 or 2 minutes of your sales pitch without making the client feel bored or anxious.

Part 1: Key Content for the First 15 Seconds

  • Clearly state the company name
  • Identify the primary service
  • State the clear results that you deliver
  • You may also include a secondary service or unique selling proposition of time permits.
See this example below.  It is delivered in about 14.5 seconds (un-rushed)
"My company is The Brand Coach, based in Atlanta. We offer business, personal and celebrity brand development services.   We help our clients build  solid brands that they leverage LONG term, to increase their brand equity. "
If the prospect is interested they will ask for more details, like "So who have you worked with?" or "I could use some help, explain the services you offer?".    That is your queue to launch the second half of your pitch.

Part 2:  Beyond the First 15

The second half of your pitch should focus on your Unique Selling Proposition, and success stories.  It is important for prospects to understand the difference between you and your competitors.  People also relate more to stories than sales strategy, it creates a comfort zone when one feels like they are speaking to an old friend.  However, be sure your stories are something your listener might relate to.

Lastly, it is important to practice the pitch to perfection while maintaining flexibility with it.  Prospects might interrupt you to find out more about a service or to interject a specific need that they have.  You should be prepared to take any direction with the conversation.  It is also a good idea to have multiple versions of your pitch, just in case you need an alternative.

Note: If there are multiple members of your sales team.  They should have have the same content in their elevator pitch, but personalized to fit each person's speaking pattern.  The parroting effect will allow consumers to formulate a clear snapshot of your brand no matter where it is encountered.

Bowing Out

Sometimes the listener will give you a flat "Ohhhh I see."  That is a clear sign that their interest has not been peeked.  At that point I would encourage you to ask about them. Listen intently for a need that you might be able to fill.  But stay focused on the quality of the conversation.  When prospects like you, they will exercise more patience in getting to know you and what you have to offer.  But everyone you engage won't have an interest, sometimes you should simply bow out and find a better connection.

Addition Credits: See video spotlight of Brandon Butler at The Website Shop (Atlanta)

Happy Branding Everyone…

You can continue this conversation on Twitter @brandcoachllc or on Facebook.com/TheBrandCoach
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JUNIQUES MULTICULTURAL CONNECTIONS IS PROUD TO ANNOUNCE THE INTRODUCTION OF THE AFRICAN AMERICAN CONNECTION E COMMERCE. HERE IS LETTER FROM THE CEO OF E BUSINESS SOLUTIONS"Epiphanysoul"Black Visionary and Activist; Charles Bowlds breaks the "Code" to the Financial Failures In the African American Community".Introducing the AAC's EBusiness Solution's CEO; Carolyn Simmonshttp://www.jusmcc.orgclick here to check out AACBorn in Beaufort, SC to a single mother who was the first black school bus driver in the county and a woman who always put education first, I was anointed and blessed to have such a strong-willed,powerful and loving women who gave me everything.My mother left Beaufort at an early age to better herself and to pursue her education. She moved to Portland, MA and she sent for me four years later. My mother was determined to show me that independence would carry me many days in my life. I can say that I truly had the best and went to the best public schools.My mother involved me in music at an early age as well as many other activities. Although we lived in the north, economic slavery and discrimination were still very real for most Blacks. Even though my mother faced a lot of racism, she never brought her sorrows and frustrations home to me. She was and still is today the strongest women I know even with her disability. As a small child I never knew what discrimination was even though there were days when incidents would occur. It wasn't until moving back home to Beaufort in the seventies did I begin to realize what the great migration to the north was about.We Blacks have always been last in having the freedoms, rights, justice, and the so called "American Dream". So my life trials and pains of watching and understanding what my family and others have went through for so many years, molded me and gave me determination to a lifelong dream of empowering my people. I have always had a love for and always sought to find the vehicle that would help us break the generational curse of poverty, hopelessness and financial death. After going through and being in many different companies, groups, organizations that I thought would break the "Code", of financial disparity in the black community and watching the collapse of Wall Street, I had received a call from Charles about the company I watched him grow five years ago.That vehicle is the African American Connection. http://www.jusmcc.orgclick here to check out AACWe often complain about and debate about the forty acres and a mule and why blacks our always last to succeed but no one really broke the "Code". One thing we as blacks must realize is that for to long we have looked to others to in some way confirm who we are as a people. We've measured ourselves not by the characteristics of who we are and what God has blessed us with but we believe we are not worthy unless other cultures validate us. Not only am I humbled and grateful but I'm truly excited about the capability and the sureness of this company to be one of the pillars that will help us through the toughest of times.Charles has showed that in the AAC we don't have to be politically correct and we should be proud of our Afro Centric Views and Values. The African American Connection in my opinion demands and requests the true spirit and values of the Black community. It stirs in us a sense of pride, strength and worthiness’, as well as empowers the entrepreneurial spirit that is a part of our DNA. It allows us (without penalty), to learn the value of having our own business.It is the vehicle to which the prerequisite is to be accountable for your culture, your children and your legacy. It is one of the most powerful visions that has been brought to life by a man not just seeking a monetary fix but a long-lasting legacy that will reshape our destiny as African Americans.Understand this, the energy that will fuel this vehicle is the solidarity of the Black community and the responsibility we have to lift up all black businesses and admonish our owners who choose to with (courage and a strong sense of urgency), take their place in history.I encourage you all to partake of this wonderful opportunity to embrace our economic power, build our financial freedom and secure entrepreneurship for the future. Know that it is then and only then that we will assure the survivability of our children for generations.Welcome all to the African American Connection's E-Business SolutionsSincerely,Carolyn Simmons CEOE-Business Solutionshttp://www.jusmcc.orgclick here to check out AAC
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Look Who's In Who

The Easiest Black Business Online
The June, 2009 issue of Black Enterprise Magazine will feature a one-third page advertisement promoting the Black Business Builders Club -- an online organization created to promote Black business awareness through networking, entrepreneurial training, education and cooperative economics.The ad is one of many projects initiated by the independent Black Business Builders Worldwide Advertising Cooperative (BBBW1) which is bringing together members of the Black Business Builders Club to buy shares for the advertisement in the upcoming June issue.The Black Business Builders Club is brainchild of Lee Green, chairman of the National Black Business Trade Association (NBBTA). Established in 1993, the NBBTA’s stated mission is to “uplift, inspire, educate, empower and promote the benefits of Black business ownership and entrepreneurship to consumers, businesses, foreign entities and governments worldwide.”After the 2007 launching of Black Business Space, a successful social network targeting entrepreneurs and consumers, Green established the Black Business Builders Club in March, 2008, to continue his life’s work of promoting Black business awareness, as well as offer a funding program which pays members for sharing information about the organization’s mission and benefits.The Black Business Club members who are coming together as BBBW1 have developed this latest initiative with Black Enterprise Magazine because it “maximizes our ability to reach a very large national market targeting our business niche.”.
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