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Michelle Adams

Business Consultant

Michelle worked at a teller at her local bank while she was earning her degree in economics. Then, after completing an MBA, she came back to the bank as a loan officer. As a result, Michelle is uniquely suited to providing advice to small businesses when it comes to selecting the best loan and credit products.

Michelle loves to focus on local businesses. She believes that local and small businesses are the backbone of the American economy, and a large part of the reason why America is such a wonderful country. That means she always aims to ensure that a business establishes a good basis for continued growth, rather than setting up a business to run from one crisis to the next.

Michelle Adams’ experience helping small business owners in the past 6 years has made her well-known in the industry. She consults with business owners in developing an effective business plan for growth and expansion. Her articles have been insightful for all types of businesses, regardless of the industry.

Michelle's Blog Posts

How Various Credit Card Actions Impact Your Credit Score

How Various Credit Card Actions Impact Your Credit Score

  More Articles   There’s a lot of confusion out there regarding how various credit card actions impact your credit score. This is important information to know, as your credit score plays an outsized role in many aspects of life. A good credit score can...

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Getting High Credit Card Limit Increases

Getting High Credit Card Limit Increases

  More Articles   Credit cards are an incredibly powerful financial tool. However, they can also be tricky to work. After all, there’s so much fine print and mystery involved with credit cards that many people just try to keep their head down and pay their...

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How to Get a Cash Advance From a Credit Card

How to Get a Cash Advance From a Credit Card

  More Articles   Credit cards are an extremely versatile financial tool. Many people use credit cards for every-day spending and shopping. They get benefits from using their credit cards like cash back, reward points, and more. See more on the best cash...

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Best Credit Cards With Travel Insurance

Best Credit Cards With Travel Insurance

  More Articles   Traveling is a ton of fun. But it can also be incredibly stressful. Many people don’t realize that one of the benefits of having a credit card is travel insurance. Travel insurance can help reduce the stress associated with travel and let...

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Best Credit Cards With Rental Car Insurance

Best Credit Cards With Rental Car Insurance

  More Articles   Best Credit Cards with Rental Car Insurance: Overview Credit Card Ideal For Editor's Rating Our Top Pick for 2020 United℠ Explorer Business Card Bonus Miles Chase Sapphire Reserve Card Rewards United℠ Explorer Business Card Editor's Rating...

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Best Secured Credit Cards 2020 [Bad Credit Ok]

Best Secured Credit Cards 2020 [Bad Credit Ok]

More Articles Best Secured Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® Secured MasterCard® Build or Rebuild Credit OpenSky® Secured Visa® Credit Card No Credit History Capital One® Secured MasterCard® Editor's Rating...

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What is a Good APR on a Credit Card?

What is a Good APR on a Credit Card?

More Articles If you’re in the market for a new credit card, you’re probably looking at a variety of different interest rates. Credit cards are a form of unsecured debt – they typically have much higher interest rates than traditional loans or mortgages. If you’re a...

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Top Major Credit Card Companies List & Stats

Top Major Credit Card Companies List & Stats

More Articles If you’re new to credit cards, the different terms and concepts can often be quite confusing. It’s important to understand the very basics of credit cards if you’re considering applying for a new card. Most credit cards aren’t the products of one company...

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Accounts Receivable Financing vs Factoring

Accounts Receivable Financing vs Factoring

It’s hard to run a business. Surprisingly, one of the hardest parts of running a business is getting paid for the goods or services you provide. Most consumers don’t think about this. But there’s actually a lot of steps between doing business and getting paid.

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Paying for Business Operating Expenses

Paying for Business Operating Expenses

As the old saying goes, you have to spend money to make money. Business operating expenses prove that’s true. In order for your business to run smoothly and turn a profit, there are certain expenses you need to cover.

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Calculating Operating Cash Flow

Calculating Operating Cash Flow

There are many ways to measure the financial health of a company. However, advanced accounting techniques and innovative ways of generating revenue can make some ways of assessing a business’s health inaccurate. That’s what so many business operators and investors use operating cash flow.

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Purchase Order Financing

Purchase Order Financing

Whether you own a startup or medium-sized business, you can benefit from exploring various funding options. One type of funding solution that may help you meet your short-term funding goals is purchase order financing.

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Starting a Small Business

Starting a Small Business

If you’ve decided to start a new small business, you may be surprised about how complex the process seems. But starting a small business is much easier if you know where to start.

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Registering Your DBA

Registering Your DBA

One of the most important contributing factors to the way consumers view your business is your business name. You want to be sure that you have a business name that conveys your brand and that is easily recognizable.

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Finding the Right Name for Your Business

Finding the Right Name for Your Business

If you have a business idea in mind, you probably want to get the ball rolling as quickly as possible. And while the most important component of any business is execution, you still need to worry about a few peripheral issues as well.

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Credit Card Reviews (Compare 2020 Side by Side)

Credit Card Reviews (Compare 2020 Side by Side)

More Articles Credit Card Reviews: Overview Credit Card Ideal For Editor's Rating Our Top Pick for 2020 Blue Cash Preferred® Card from American Express Cash Back Rewards US Bank Cash+ Visa Signature Card Cash Back Rewards Blue Cash Preferred® Card from American...

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How to Apply for an EIN

How to Apply for an EIN

If you’re just starting a new business, there are a host of different administrative tasks you need to undertake. It may seem like you have a mountain to climb in terms of paperwork. But the entire process can be made much easier if you have a good roadmap to begin with.

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Compare Small-Business Lenders 2021

Compare Small-Business Lenders 2021

If you’re exploring the different options to help fund your business, there are a range of practical solutions. Term loans and business lines of credit are often the best types of finance to apply for if you need financing.

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SBA Loans Explained

SBA Loans Explained

If you’re looking at different ways to help finance your business, you’ve probably come across SBA loans at some stage. Small Business Administration Loans (SBA Loans) are loans backed by the U.S. Small Business Administration.

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How to Get a Business Loan: 6 Steps

How to Get a Business Loan: 6 Steps

If you own or operate a business, you probably understand how important getting the right finance can be. Almost every business on the planet has obtained some form of financing at some stage – it’s a necessary part of starting or expanding operations.

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Best Airline Miles Credit Cards [2020 Picks]

Best Airline Miles Credit Cards [2020 Picks]

More Articles Best Airline Credit Cards: Overview Credit Card Known ForEditor's Rating Our Top Pick for 2020 United℠ Explorer Card Reward Points Southwest Rapid Rewards® Priority Credit Card Bonus Opportunities United℠ Explorer Card Editor's Rating Credit Score...

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Best No Interest & 0% Apr Credit Cards [24 Months]

Best No Interest & 0% Apr Credit Cards [24 Months]

More Articles Best Zero Interest Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® SavorOne® Cash Rewards Credit Card Cash Back Rewards and Perks Wells Fargo Cash Wise Visa® Credit Card Cash Back Capital One® SavorOne® Cash...

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Best Fair Credit Cards [High Limit Offers]

Best Fair Credit Cards [High Limit Offers]

More Articles Best Credit Cards for Fair Credit: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® Quicksilver® One Cash Rewards Credit Card Cash Back with Fair Credit ABOC Platinum Rewards Credit Card Balance Transfer and Other Rewards...

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The Problem of Subprime Credit

The Problem of Subprime Credit

More Articles Subprime credit is a major problem in the United States. It means that a lot of Americans are unable to improve their financial situations. This puts them at risk of being victims of predatory credit card issuers who are offering their credit cards at...

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Best First Time Credit Card [Good for Students]

Best First Time Credit Card [Good for Students]

More Articles Best First Time Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Journey® Student Rewards from Capital One® Cash Back for Students and First Timers Capital One® Secured MasterCard® First Timers with Low Credit Score...

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Best Credit Card Offers 2020 [New, Fair & Bad Credit]

Best Credit Card Offers 2020 [New, Fair & Bad Credit]

More Articles Best Credit Card Offers: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® Savor® Cash Rewards Credit Card Cash Back Rewards The Platinum Card® from American Express Membership Rewards Capital One® Savor® Cash Rewards...

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Best 0 Balance Transfer Credit Cards 2020

Best 0 Balance Transfer Credit Cards 2020

More Articles Best Balance Transfer Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Chase Freedom Unlimited Cash Back Capital One® Quicksilver® Cash Rewards Credit Card Cash Back Chase Freedom Unlimited Learn More 🔒 Editor's...

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Best Cash Back Credit Cards 2020 [2 to 5%]

Best Cash Back Credit Cards 2020 [2 to 5%]

More Articles Best Cash Back Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 HSBC Cash Rewards MasterCard® Credit Card Cash Back and Bonuses Fidelity® Rewards Visa Signature® Card  Cash Back HSBC Cash Rewards MasterCard® Credit Card...

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Best Travel Credit Cards 2020 [International Rewards]

Best Travel Credit Cards 2020 [International Rewards]

More Articles Best Travel Credit Cards: Overview Credit Card Ideal For Editor's Rating Our Top Pick for 2020 Chase Sapphire Preferred Card Travel Rewards Capital One® Venture® Rewards Credit Card Frequent Travelers Chase Sapphire Preferred Card Learn More 🔒...

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Best Rewards Credit Cards 2020 [Travel, Cash etc.]

Best Rewards Credit Cards 2020 [Travel, Cash etc.]

More Articles Best Rewards Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Chase Sapphire Preferred Card Bonuses and Rewards Capital One® Venture® Rewards Credit Card Travel Rewards Chase Sapphire Preferred Card Learn More 🔒...

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Best Low Interest Credit Cards 2020 [Fixed Rates]

Best Low Interest Credit Cards 2020 [Fixed Rates]

More Articles Best Low Interest Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® VentureOne® Rewards Credit Card Rewards and Bonuses Wells Fargo Propel American Express Card Earning Points Capital One® VentureOne® Rewards...

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Best Small Business Credit Card 2020 [Bad Credit Ok]

Best Small Business Credit Card 2020 [Bad Credit Ok]

More Articles Best Business Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Chase Ink Business Cash Credit Card Cash Back for Small Businesses Capital One® Spark® Cash for Business Cash Back Rewards Ink Business Cash Credit Card Learn...

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Credit Cards for Average Credit Score [2020 Picks]

Credit Cards for Average Credit Score [2020 Picks]

More Articles Best Credit Cards for Average Credit: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Capital One® Platinum Credit Card Cash Back for Average Credit Milestone® Gold MasterCard® Average Credit Capital One® Platinum Credit Card Editor's...

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Best College Student Credit Cards 2020 [No Credit]

Best College Student Credit Cards 2020 [No Credit]

More Articles Best Student Credit Cards: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Journey® Student Rewards from Capital One® Cash Back for Students Deserve Edu Card College Students Journey® Student Rewards from Capital One® Editor's Rating...

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Best Credit Cards to Rebuild Credit [Secured]

Best Credit Cards to Rebuild Credit [Secured]

More Articles Best Credit Cards for Rebuilding Credit: Overview Credit Card Ideal ForEditor's Rating Our Top Pick for 2020 Credit One Bank® Unsecured Visa® for Rebuilding Credit Rebuilding Credit and Cash Back Milestone® Unsecured MasterCard® Rebuilding Credit Credit...

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Building Your Business's Credit Profile

Building Your Business's Credit Profile

Creating a strong business with an outstanding profile doesn’t only help with securing a loan; it’s also crucial when attracting new customers. Unlike a personal credit report, anyone can see a business’s credit profile.

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