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If you’re trying to decide between Capital One vs Discover credit cards, you’re not alone. Both are popular choices for people looking to build credit, earn rewards, or get great perks. But which one is better? Whether you’re comparing Discover vs Capital One, or specifically looking at Discover it vs Capital One cards, this guide will break down the key differences to help you make the right choice.

Capital One or Discover: Which One Is Better?

Choosing between Capital One and Discover depends on your spending habits, credit goals, and what you want from a credit card. Here’s a quick look at what each offers:

Capital One Highlights

• Wide range of cards for all credit levels, from beginner to premium.
• Simple rewards programs, often with flat-rate cash back or miles.
• No foreign transaction fees on many cards, great for travelers.
• Easy-to-use mobile app and solid customer service.

Discover Highlights

• Known for its cashback rewards, especially the popular Discover it card with rotating categories.
• Cashback Match feature: Discover matches all the cash back you earn in your first year — a big plus for new cardholders.
• No annual fee on most cards.
• Strong customer service and free FICO credit score monitoring.

Discover vs Capital One Credit Card: Rewards and Benefits

If you want to maximize rewards, the Discover it vs Capital One debate often comes down to how you spend:

• Discover it offers 5% cash back on rotating categories like groceries, gas, or restaurants (up to a quarterly max), and 1% on everything else. Plus, your first-year cash back is matched.
• Capital One’s popular cards, like the Capital One Quicksilver, offer a flat 1.5% cash back on all purchases — no need to track categories.

If you prefer simplicity, Capital One’s flat-rate rewards might be easier. But if you’re willing to plan your spending around categories, Discover’s rotating rewards can earn you more.

Fees and Interest Rates: What to Watch For

Both issuers generally offer competitive APRs, but they vary by card and creditworthiness. Here’s what to know:

• Neither Capital One nor Discover charge an annual fee on many of their entry-level cards.
• Capital One cards often waive foreign transaction fees, while Discover’s acceptance outside the U.S. is more limited.
• Late payment fees and penalty APRs are similar, so always pay on time to avoid extra costs.

Which Card Is Best for You?

• If you want simple, straightforward rewards and travel perks, Capital One might be your best bet.
• If you want to maximize cash back with rotating categories and a first-year match, Discover it is a strong contender.
• For beginners building credit, both offer cards with no annual fee and helpful credit tools.

Final Thoughts on Capital One vs Discover

Both Capital One and Discover provide solid credit cards with unique benefits. Your choice depends on what fits your lifestyle and financial goals. Want to travel internationally? Capital One’s no foreign transaction fees are great. Looking to boost cash back quickly? Discover’s cashback match is hard to beat.

Before applying, compare specific cards on their official sites or platforms like NerdWallet or Credit Karma to see current offers and rates. And remember, always check your credit score before applying to increase your chances of approval.

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XRP just crashed below $1.50 — what’s next? Is this a deeper downtrend or a chance for a rebound?

If you're a small business owner wondering what banks do SBA loans or who does SBA loans, you're in the right place. SBA loans are a popular financing option backed by the U.S. Small Business Administration, but the loans themselves come from approved lenders like banks, credit unions, and specialized financial institutions. Choosing the right SBA lender can make a big difference in your loan approval process, interest rates, and overall experience.

In this detailed guide, we’ll cover the best SBA lenders for 2025, explain how SBA loans work, and give you tips on finding the best banks for SBA loans that fit your business needs.

What Are SBA Lenders and How Do SBA Loans Work?

SBA lenders are financial institutions authorized by the SBA to offer loans partially guaranteed by the government. This guarantee reduces the lender’s risk, allowing them to offer more favorable terms such as lower down payments, longer repayment periods, and competitive interest rates.

The SBA doesn’t lend money directly; instead, it partners with these lenders to help small businesses access capital. SBA loans come in various types, with the most common being:

• SBA 7(a) loans: The most popular loan type, used for working capital, equipment, real estate, and debt refinancing.
• SBA 504 loans: Designed for purchasing fixed assets like real estate or large equipment, often involving a Certified Development Company (CDC) alongside a bank.
• SBA Microloans: Smaller loans (up to $50,000) offered through nonprofit intermediaries to help startups and small businesses.

Who Are the Best SBA Lenders in 2025?

Based on loan volume, approval rates, and borrower experience, here are some of the top SBA lenders to consider:

1. Newtek Bank

Newtek Bank is currently the most active SBA lender by total loan amount, having issued over $1 billion in SBA 7(a) loans in fiscal year 2025. They serve U.S.-based, for-profit businesses with at least two to three years of tax returns. Newtek offers personalized service with a dedicated lending specialist who guides you through the entire process.

2. Huntington National Bank

Huntington approved the most SBA 7(a) loans in fiscal year 2024 and continues to be a top lender in 2025. They offer loans up to $5 million with down payments as low as 10%, along with SBA Express loans for faster access to smaller amounts. Huntington also runs the Lift Local Business Program, supporting minority-, women-, and veteran-owned businesses with financial education and SBA loan assistance.

3. Northeast Bank

Northeast Bank is a top lender by number of loans approved and total loan amount. Based in Maine, it offers SBA 7(a) loans up to $500,000 and streamlines the application process through online tools, making it easier for borrowers to apply with fewer documents.

4. Readycap Lending

Readycap Lending, a subsidiary of Ready Capital, has issued over $550 million in SBA 7(a) loans in 2025. They provide loans ranging from $350,000 to $5 million for business expansion, equipment purchase, working capital, and refinancing.

5. Live Oak Banking Company

Live Oak Bank is the second-most active SBA 7(a) lender by dollar amount and offers an online-based application process nationwide. They provide loans up to $5 million with up to 90% financing and typically require a 10% down payment. Live Oak also offers SBA 504 loans for larger projects.

6. JPMorgan Chase Bank

JPMorgan Chase, one of the largest banks in the U.S., offers SBA 7(a) loans up to $5 million and SBA Express loans up to $500,000. They provide SBA 504 loans for equipment and real estate purchases, with dedicated loan officers to assist borrowers.

7. Lendistry

Lendistry is a minority-led community development financial institution that focuses on underserved communities. They offer SBA 7(a) loans between $25,000 and $5 million with an entirely online application process and personalized customer support.

8. TD Bank

TD Bank ranks among the top SBA lenders by loan approval count and offers SBA 7(a) loans up to $5 million, SBA 504 loans, and SBA Express loans up to $350,000.

9. BayFirst National Bank

BayFirst offers a fast funding SBA Bolt Loan program with amounts up to $150,000 and funding within days. They also provide standard SBA 7(a) loans up to $5 million.

10. Celtic Bank

Celtic Bank offers SBA 7(a) loans up to $5 million, Express loans up to $150,000, construction loans, and SBA loans over $5 million. They are a preferred SBA lender headquartered in Utah.

How to Choose the Best SBA Lender for Your Business

Finding the right SBA lender depends on your business needs and preferences. Here are some tips:

• Start with your current bank or credit union: Existing relationships can speed up approval.
• Use the SBA Lender Match tool: Answer a few questions on the SBA website to get matched with lenders suited to your needs.
• Compare loan terms: Interest rates, fees, repayment terms, and down payment requirements vary by lender.
• Ask about the application process: Does the lender assign a dedicated loan specialist? How long does approval typically take?
• Check if the lender is SBA Preferred: Preferred Lenders can approve loans faster without SBA review.

What Do SBA Lenders Look For?

To qualify for an SBA loan, lenders typically require:

• A credit score of at least 640.
• A solid business plan and financial statements.
• Proof of ability to repay the loan.
• Collateral for larger loans.
• Usually two or more years in business (some exceptions for microloans).

Final Thoughts on SBA Lenders

SBA loans can be a lifeline for small businesses, offering affordable financing with flexible terms. Choosing the right SBA lender is crucial to getting the best deal and a smooth application experience. Whether you go with a big bank like JPMorgan Chase or a specialized lender like Live Oak Bank, make sure to shop around, prepare your documents, and understand your options.

The Day I Tried to Buy TikTok Stock—and What I Learned

A few years ago, TikTok was everywhere. My friends were making viral videos, my feed was full of dance trends, and every business was asking, “How do we go viral on TikTok?” As someone who loves investing in tech, I wondered: Can I buy TikTok stock? I opened my brokerage app, searched for “TikTok,” and… nothing. No ticker, no price, no way to invest directly. That moment launched my deep dive into the world of TikTok stock, and what I found might surprise you.

Does TikTok Have Stock? Is TikTok Publicly Traded?

Let’s answer the biggest question right away: TikTok does not have its own stock.
You can’t find a TikTok ticker symbol or a TikTok stock price on Nasdaq or the NYSE because TikTok isn’t a public company. Instead, TikTok is owned by ByteDance, a massive private tech company based in China. ByteDance has attracted billions in investment and is one of the world’s most valuable startups, but as of June 2025, it has not gone public.

Why Isn’t TikTok Public?

• ByteDance Ownership: TikTok is just one part of ByteDance’s global empire, which includes Douyin (the Chinese version of TikTok), Toutiao, and other digital platforms.
• Regulatory Scrutiny: Ongoing concerns about data privacy, international regulations, and potential US bans have made a public offering complex.
• IPO Rumors: There have been rumors of a ByteDance IPO for years, but nothing official has happened yet.

Can You Buy TikTok Shares? Here’s What’s Possible

Even though you can’t buy TikTok stock directly, there are a few ways investors try to get exposure:

• Private Equity Markets: Accredited investors sometimes buy ByteDance shares through secondary markets, but these are high-risk and not available to everyday investors.
• Indirect Investments: Some global mutual funds and venture capital funds hold ByteDance in their portfolios. If you invest in those funds, you might have indirect exposure to TikTok’s parent company.
• Competitors and Partners: Consider investing in public companies that benefit from TikTok’s rise, such as social media rivals (Meta, Snap), digital ad agencies, or hardware brands that trend on TikTok.

TikTok Stock Price and Market Speculation

Since TikTok isn’t public, there is no official TikTok stock price. However, ByteDance’s estimated valuation has soared above $200 billion in private markets. If ByteDance ever launches an IPO, analysts expect massive demand and a potentially sky-high opening price.

What Would Happen If TikTok Went Public?

• Major Media Buzz: Expect headlines, hype, and intense trading on IPO day.
• New Ticker Symbol: A ByteDance or TikTok ticker would become one of the most-watched stocks in tech.
• Investment Opportunities: Everyday investors could finally buy shares directly—if they act fast and are ready for volatility.

TikTok Stock vs. Other Social Media Stocks

Key Takeaways: What I Learned About TikTok Stock

• You can’t buy TikTok stock directly (yet).
• ByteDance owns TikTok and is still private as of 2025.
• Indirect exposure is possible, but complicated and risky.
• If ByteDance ever goes public, it could be one of the biggest IPOs in tech history.

Closing Thought: Should You Wait for a TikTok IPO?

If you’re excited about TikTok’s growth and want to invest, keep an eye on ByteDance IPO news. For now, focus on other tech and social media stocks, and remember: sometimes the best investment is patience. When (or if) TikTok stock finally hits the market, you’ll be ready to make an informed decision.

Want more updates on TikTok stock news, IPO rumors, and the latest in social media investing? Subscribe for alerts and never miss a beat!

Are you looking for a simple way to earn money daily or stay updated with the latest news and entertainment? If yes, then daily telegram channels are your go-to solution. Whether you want to complete daily tasks and earn money on Telegram or find links to your favorite shows like The Daily Life of the Immortal King in Tamil or Hindi, Telegram has it all. In this blog, we’ll explore what daily telegram channels are, how you can earn money through daily tasks, and where to find the best telegram links for news and entertainment.

What is Daily Telegram and Why Should You Care?

Telegram is more than just a messaging app; it’s a hub for communities and channels where you can get everything from news updates to money-making opportunities. Daily telegram channels focus on providing daily content that helps users stay informed or earn money by completing simple tasks.

If you’ve been searching for “daily task earn money telegram” or “daily task earn money telegram link,” you’re not alone. Many users worldwide are tapping into these channels to generate extra income without needing special skills or large investments. Plus, if you’re a fan of popular shows, you can find The Daily Life of the Immortal King Tamil dubbed telegram link or the Hindi version easily shared on these channels.

How to Earn Money with Daily Task Earn Money Telegram Channels

Earning money on Telegram through daily tasks is straightforward but requires caution. Here’s how you can get started:

1. Join Trusted Channels: Look for verified or highly recommended daily telegram channels that offer daily tasks.

2. Complete Simple Tasks: These might include joining other Telegram groups, watching videos, sharing posts, or filling out surveys.

3. Use Official Links: Always use the “daily task earn money telegram link” provided by the channel admins to avoid scams.

4. Withdraw Earnings Safely: Many channels pay via PayPal, UPI, or cryptocurrency. Choose the payment method that suits your country and preferences.

Remember, avoid unverified bots or channels promising huge returns with no effort. Stick to channels with good reviews and active communities.

Stay Updated with Daily Newspaper Telegram Channels

If news is your priority, daily newspaper telegram channel options are perfect for you. These channels deliver the latest headlines, breaking news, and important updates directly to your Telegram app. This is especially useful for users who want news in real-time without switching between multiple apps or websites.

Find Your Favorite Shows: The Daily Life of the Immortal King Telegram Links

Fans of The Daily Life of the Immortal King can find dubbed versions shared on Telegram. Whether you’re searching for the Tamil dubbed telegram link or the Hindi telegram link, these channels provide easy access to episodes without complicated subscriptions.

Why Use Daily Telegram Channels?

1. Convenience: Access everything in one place—news, entertainment, and earning opportunities.

2. Free to Join: Most channels are free and open to all.

3. Community Support: Engage with like-minded users and get tips on earning and content.

4. Safe and Fast: Telegram’s encryption ensures your data and transactions remain secure.

Final Tips for Using Daily Telegram Channels

1. Always verify the authenticity of the channel before joining.

2. Avoid sharing personal or financial information unnecessarily.

3. Use official links and avoid clicking on suspicious URLs.

4. Engage actively but cautiously to maximize your earnings and entertainment.

Ready to start your journey with daily telegram channels? Join trusted groups today and unlock new ways to earn and stay informed!

Managing your money can feel overwhelming, especially when bills pile up and expenses sneak up on you. That’s where a budgeting app comes in handy. But with so many options out there, you might be wondering, “What’s the best budgeting app?” or “Is Goodbudget free?” In this guide, we’ll explore some of the best apps for budgeting in 2025, share insights from financial planning app reviews 2019 to now, and help you find the best bill tracker app to keep your finances on point.

Why You Need the Best Budgeting App in 2025

Whether you’re a college student in the U.S., a freelancer working remotely, or a family managing household expenses, a budgeting app helps you track your spending, save money, and plan for the future. The right app can sync with your bank, send reminders, and even help you stick to your financial goals without stress.

In 2025, budgeting apps have evolved with smarter AI features and better security. Plus, many apps now support multiple currencies and integrate with popular platforms like Binance or BYDFi for those also interested in crypto investing.

What’s the Best Budgeting App? Top Picks You Should Know

Here’s a quick look at some of the best budgeting apps that stand out in 2025:

• Goodbudget: A popular choice for envelope budgeting, Goodbudget has a free version that covers basic needs and paid plans for advanced features. It’s great for couples and families who want to share budgets easily.
• YNAB (You Need A Budget): Known for its proactive approach, YNAB helps you assign every dollar a job. It’s a paid app but offers a free trial and is praised for helping users break the paycheck-to-paycheck cycle.
• Mint: A free app that automatically tracks your expenses and bills. Mint is perfect if you want a hands-off approach with alerts for bills and overspending.
• PocketGuard: This app shows you how much you can safely spend after bills and savings, making it ideal for those who want quick insights.
• EveryDollar: Created by financial expert Dave Ramsey, it’s simple and effective for zero-based budgeting.

Is Goodbudget Free? What You Need to Know

If you’re asking, “Is Goodbudget free?”, the answer is yes, but with limits. The free version lets you manage up to 10 envelopes and two devices, which might be enough if you’re just starting out. For unlimited envelopes and accounts, the paid plan is affordable and adds features like debt tracking and priority support.

Why a Financial Planning App Review from 2019 Still Matters

You might wonder why we mention financial planning app reviews 2019. Well, many of the top apps have been improving steadily since then, adding features like bill tracking and investment integration. Looking back at trusted reviews helps you see which apps have stood the test of time and user satisfaction.

Best Bill Tracker App: Never Miss a Payment Again

Late fees can wreck your budget fast. That’s why the best bill tracker app is a must-have. Apps like Mint and Prism excel in this area by sending reminders and showing all your bills in one place. This way, you avoid surprises and keep your credit score healthy.

How to Choose the Right Budgeting App for You

• Consider your goals: Are you saving for a house, paying off debt, or just want to stop overspending?
• Look for features: Sync with your bank, bill reminders, multiple device access, and security are key.
• Try before you buy: Many apps offer free trials or free versions. Test a few to see what fits your style.
• Check compatibility: If you’re into crypto trading on platforms like Binance or BYDFi, find apps that integrate or at least don’t conflict with your other financial tools.

Final Thoughts

Finding the best budgeting app in 2025 means balancing your needs with the features offered. Whether you pick Goodbudget’s free plan or upgrade to a premium app like YNAB, the important part is taking control of your finances today.

Avoid unverified apps that promise quick fixes—stick to trusted platforms with good reviews and security. Start small, track your spending, and watch your financial confidence grow.

Ready to master your money? Download a budgeting app today and take the first step toward smarter financial planning!

Who Is Steve Will Do It and Why Is He So Popular?

Steve Will Do It is a well-known internet personality who rose to fame through viral challenge videos and his close association with the Nelk Boys and the Full Send brand. His bold content style, combined with large giveaways and high-energy stunts, helped him build a massive following across platforms like YouTube, Instagram, and newer creator-friendly networks. Even after facing platform restrictions, Steve has managed to stay relevant by adapting his content strategy and expanding his presence elsewhere.

Steve Will Do It Net Worth and Main Income Sources

As of 2025, Steve will do it net worth is estimated to be in the multi-million-dollar range, driven by several diversified income streams. These include sponsorship deals, merchandise sales tied to the Full Send brand, paid partnerships, and revenue from alternative video platforms. In addition, Steve has publicly shown interest in investments and digital assets, including cryptocurrency, which may contribute to his overall financial growth. This diversification has allowed him to maintain strong earnings even during periods of social media uncertainty.

Lifestyle, Investments, and Future Outlook

Steve Will Do It’s wealth is reflected in his luxury lifestyle, which includes high-end cars, real estate, and frequent travel. However, his spending habits are often balanced by strategic investments and business collaborations. Looking ahead, the long-term outlook for Steve will do it net worth depends on his ability to continue evolving with the creator economy, leverage new platforms, and capitalize on emerging trends such as Web3 and digital finance. If he maintains audience engagement and smart financial decisions, his net worth could continue to grow in the coming years.