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Online loans, they’ve become the new fad in lending. Loans have always been popular for many reasons, whether it was for personal, business, auto or mortgage use, loans have always been a way for people who need it to get funding fast. In the past, it was at banks that people generally sought the funding they needed, but in today’s computer and smart phone age, online loans have become the method of funding of the future.If you have average, fair or poor credit, online loans can still be a great option. While it’s true that a more traditional lender, like a bank or a private financial institution operating online may not approve your loan, there is still another great option out there when you’re searching for funding, peer to peer lending.Peer To Peer Lending As online loans became more and more popular about six or seven years ago, someone came up with a brilliant idea, why not let people invest in others? Why not let people invest in people? This is how peer to peer lending was born. Peer to peer lending sites are websites which offer people the chance to invest in people.If someone needing a loan goes to a peer to peer lending site and lists that loan, once they decide the amount they want, they can list the loan and give a few details about the reason they would like the loan they’re asking for. Whether it’s for business, personal or other use, once they’ve decided on the reason, they can add any details they like, and list their loan for free. Once investors see the loan, they have the option to invest in it or not. The loan is listed anonymously, so the “investors” never really know the name of the person who is getting the loan.Let’s say a person needs a loan for $10,000, if they list it on a peer to peer lending site, some people might invest $25, the minimum for most peer to peer lending sites, and some might invest $1,000. This gives people the option to invest a little or a lot in others and their loans, a great option for having multiple people invest in one particular persons loan.Credit ScoresCredit scores are rated on a scale from AA to F. This works out great because although people with an AA credit score may seem more likely to get a loan, it’s not always the case. See, this is where the amazing idea of peer to peer lending works wonders. Those with a supposedly better credit score are going to have a lower interest, and investors are going to earn less money off of the interest when this particular borrower pays off their loan.For people with credit scores that are in the C, D & F as well as E ranges, the person is going to have a slightly higher interest rate on their online loan. This is an advntage for the investors once that person goes to pay off their loan, as the investors have the potential to earn slightly more money off of a loan with a higher interest rate because the credit score is slightly lower.How does this work out? It gives people with all types of credit scores the opportunity to get great loans anonymously. We’ve compiled a list of benefits to peer to peer lending sites for borrowers, benefits that help offer people a chance to get a great loan online with a lot of time to pay it back.Benefits To Peer To Peer Lending Sites1.) Anonymous BorrowingWhen listing your loan and borrowing money, there are many things you can include. The amount of your loan, the reason for your loan, any details you would like to add such as comments and any reasons why you would be a good borrower. When you actually list your loan, you remain anonymous to borrowers. People don’t know your name, they don’t know anything about you, you’re anonymous to the lenders.2.) The Interest RatesOne of the most important things to talk about is the interest rates. The interest rates from peer to peer lending sites can really be great because their competing with other traditional loan sites, as well as other peer lending sites to get the best interest rates possible from their borrowers. How does this help you? Well of course lower interest rates from the website.3.) A Great Alternative To Many Other OptionsPeer to peer lending sites offer a great alternative to payday loan or installment websites for online loans. Generally these websites tend to charge insanely high interest rates, and with payday loan & installment loan websites you usually have to pay your loan back within a couple months, not the case with peer to peer lending websites as we’ll outline in our next point.4.) Long Time To Payback The LoanOne of the best aspects to peer to peer lending websites is that you have a long time to pay back the loan, generally two to five years. By making monthly payments over a long time, your monthly payments will be much lower than they would be otherwise, say if the payback time was only a couple of months or a year. By having a much longer time to payback the loan, you have a lot more options and of course, very importantly lower payments when paying back the loan.5.) Speed Of Getting A LoanWith many banks as well as other loan sites, it can be a long time until you have your account funded with the loan. This can really put people in a jam because when people need the funds fast, waiting a long time isn’t really the best option. With peer to peer lending sites, online loans are generally funded very fast once they are funded and approved. This is a great aspect to peer to peer lending sites, having the money in your account fast and not having to wait a long time really helps people use the loan for what they want or need.

With the emergence of the Internet and social media platforms with the audience of thousands and thousands of people, the concept of crowd marketing is seemingly a better marketing solution for a lot of companies.What is Crowd Marketing?A popular marketing technique in which a business connects to an influencer, who is in direct contact with the target market of the product that the business is marketing. The proliferation of social media networks including the Facebook, YouTube, Twitter, Google+ and many other, crowd marketing has gained increased popularity among marketers as being a cheap, effective and the easiest way to reach target consumer. Unlike many other marketing strategies, the target market reach of can be monitored in terms of measurable indicators such as likes, shares, reviews, retweets, feedbacks etc. In essence, crowd marketing techniques are focused on increasing website traffic, lifting search engine rank and strengthening the brand position. The main difference between techniques like Social Media Marketing (SMM), Search Engine Optimization (SEO) and the crowded marketing technique is that the later technique directly approaches to target consumers rather than focusing on the general public. One of the good examples of crowd marketing may be the celebrity endorsement technique. In this technique, a business identifies celebrities that already have a large fan base among the target market niche of the business; the business pays the celebrity to endorse its product among its target consumers. It is an effective way because people tend to be influenced by celebrities, their lifestyles and what they recommend. Such marketing technique is also used to approach the target market directly as long as the influencing celebrity personality, as well as his fan base among the target market population, are properly selected.Crowd Marketing TechniquesThe most popular techniques most recently rely on the social media platform and utilize the power of content marketing to enhance target market reach. Since social media has become an integral part of people’s lives, one of the most effective platforms is Facebook, which has over 1,500 million active users. Targeting Facebook as a platform to reach the target market has been popular these days. The technique is straightforward -leveraging content marketing method to attract the target market population among Facebook users. In this method, the business creates a compelling content, mostly product or brand-related videos, and finds an effective way to publish it over the Facebook that will ensure most return on investment. Usually, celebrity pages, celebrity accounts where many people keep their attention and the paid advertisement that is boosted by the Facebook to help reach increased customer base are utilized as crowd marketing technique over the Facebook. The number of likes, shares, and comments can be used as a measure of the success of the campaign. The most effective way to reach target market is to utilize the key influence of the business niche. Identifying target consumers, their behaviors and whom or what they follow can make the difference. If the key influencer of the target audience can be identified and can be used to endorse the product or brand, the success of convincing the audience about the reliability and superiority of the business goes higher.The Power of Social MediaAnother effective technique that warrants success is to use tools that help the business with key insights of the marketing as related to social and content marketing wings of crowd marketing. For example, few web applications help the business identify the target audience of a product, their key influencer, their position and location within web domain and provides with the best crowd marketing strategy starting from content recommendation to target markets locating. These tools make implementation of your marketing strategies easier and more effective.The Lego Group, children’s toy builder company, has been leveraging the concept of crowd marketing since the 90′s; it has used the Internet effectively to transform website traffic into effective customers and revenues. The key idea to engage target customers from around the world is novel and simple – it asks toy builders and idea-makers to share their ideas about new toys. These ideas are published on the website and are open to million enthusiastic audiences. Any builder can upload his unique design built out of the combination of thousands of different block pieces. The models are placed to audiences for marking and the models that get highest marks are chosen for the award. Moreover, the company uses fans’ ideas and models to build its toys from. Recently, it has created builds from the theme of the movie “Star Wars” and “Lord of the Rings”, which are the most popular builds from the company for years. The company has been adopting social media-based marketing campaign to increase its audience reach and enhance revenues. Last year, the company has earned about $4 trillion in revenue, most of which can be attributed to the crowd marketing strategy. Crowd marketing has also enabled it to become a global brand. The success of the company may be set as an example for all businesses who wish to adopt crowd marketing strategies.

Not every online business strategy works for every business. Unfortunately, many Solopreneurs will continue to force themselves into one standard. Don’t let that be you. Learn some PROVEN tactics to help you avoid these common pitfalls of assumptions and set your brand up for profitable success.With over 4 Billion+ active online businesses, and all of them fighting for attention, the Internet has made it possible for companies of various sizes to compete on a level playing field of sorts. The main issue remains that most of these companies are unsure how to gain the buying attention of potential clients for their products or services. Creating a Power Crew will be essential to your success as a Solopreneur because you will have to trust someone to help you handle day-to-day tasks. Check out these 10 common assumptions made in online business that you should avoid in order to have a successful head start.

Skimming on Investing. There is a large difference between spending smart and just being cheap. The Cheap Comes Out Expensive (“Lo Barato Sale Caro” – Judge Marilyn Milian). Reciprocity goes a very long way and helps you build a secure and trusted network. Everyone wants a deal when spending their hard earn money. Most business people have heard the saying, “you have to spend money to make money.” Actually when you take your brand seriously enough to invest in it, be it time or money, you will ensure that everyone on your Power Crew is properly compensated. This could be financially or through barter systems. Either way, you should be willing to give as much or more than you take from others.

Remaining Blissfully Ignorant. Are you leaving clients under-serviced because you refuse to explore new opportunities and creative possibilities? Put some investigative action behind your motives. Ask your Virtual or In-House Assistant to check out some new avenues. Hire someone to manage these new avenues for you and add them to your Power Crew. They would usually be focused on these tasks for at least 5 hours a week; 1 hour a day. Ignorance is not bliss, especially in business. there are too many opportunities out there for Solopreneurs to get on track and dominate some corner of their market.

Financing Blindly Without Reason. How can you properly guide your brand into financial success or at the very least avoid bankruptcy if you cannot track how much money is flowing throughout your business? If you are shocked at the amount of money you have spent over a one-year span, are constantly hunting down all of your expenses at tax time, and/or are always living in the red then you’re doing everything all wrong. Don’t become accepting of your business being a financial burden on you. You should have a budget in place to help you remain on track. Remember, you started this for FREEDOM not to trade on pair of frustration created shackles for another.

Maintenance Is An Option. I see many clients who believe that paying someone to manage their website is a waste of time, yet these are the same people who’s websites are constantly outdated behind the scenes and left vulnerable. Your carelessness is a hackers dream key to your Information Buffet. So much of these items can and should be automated, but you have to remain vigilant in protecting your online business. If you are collecting customer information, there is no room to be casual about Website Security and Maintenance.

Keeping Up with the Joneses. Doing all you can to follow what the crowd is doing rather than taking stock in what will work for your brand is ultimately a waste of time for you. This is not to say that watching your competition and friendly peers cannot be a learning experience. you simply have to learn to take the learning knowledge and map out your own destiny.

Online Businesses Don’t Need A Budget. As an extension of financing your business blindly, you need to realize that just because you have an online business, you are not exempt from having a budget. many believe that because they don’t have the rent of a brick-and-mortar establishment, they are free to spend wildly. That is not the case. Your “rent” is your hosting provider, your domain name, and your SSL Certificate. Your “utilities” are your financial manager (accountant/apps), email automation services, payroll, and anything else that helps you run your business. You MUST track these and be sure that you are not using up all of your resources without turning some type of profit to pay the rent or mortgage AND put food on your table.

Disconnected from Reality of Running A Business. Remain grounded and connected to the roots of your business so that you are aware of what is happening and are ready to rework any strategies accordingly. Even when people consider themselves “successful” they know there is continuous work involved in maintaining the level of success they enjoy or want to excel to. Taking into account everything we’ve discussed, these pieces all come together to help you face, head-on, the realities of running a business.

Blaming Others for Your Failures. The Blame game is a waste of time. Don’t allow Accountability to become some passive catchphrase in your business. Live up to how you would want clients and another business to treat you. If you or your brand fell short or messed up, take that as an opportunity to improve and get back on track. Ask for feedback. Failure is not a bad thing if you don’t allow it to become a stumbling block or a crutch. Boss up and take responsibility while showing others working with you that they need to do they same. Showing is way better than Telling!

Being Online Is An Automatic Success. No online business is an automatic success and anyone who tells you different is lying to you. I thought that once my website was up and running I would be set. Well, not exactly set, but the bulk of my work would be complete. I was so wrong and didn’t even realize how wrong I was. I had to become a quick study on e-marketing, copywriting, and product creation to really get my business going. Not an expert, but I had to get my rump in gear fast so that I could manage just enough to get things where I wanted them to be. Automation can make things easier for you, but without you putting ACTION behind the KNOWLEDGE you collect, your brand is dead in the water.

Misinformation. Stay as informed as possible. “He said, She said” doesn’t work when you need to share information with your Power Crew and customers. Never allow yourself to miss out on innovative moves occurring within your industry, or in other industries. If an app or software was not compatible of your business in 2011, check back and see if things have changed. If you didn’t think Twitter, Pinterest, or Instagram were a good fit for your business and your customers would not be interested in a company blog, rethink these moves. Try things out. You may be surprised at the results and new information that flows in from these various options.
Boss UpOnce you have figured out what causes your business to thrive like a well watered plant, you’ll begin to reap the benefits of a profitable business and brand overall. I think of my business as a well-watered plant because there is energy tied to it. It needs my care in order to survive. My emotions affect my business and I need to maintain them both.Clients want to know that you, as a business owner, care enough to pay attention to small details while maintaining the overall picture of success.The RundownPut your all into your business. After all, most of us are not here for a one-night stand. Instead, we’re in it to win it! So get yourself out there and arm your brand against these 10 common assumptions most Solopreneurs make in online business.To Your Continued Success & Learning!