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Telecom plus, operating as the Utility Warehouse Discount Club, resells discounted telecommunications and utilities services to more than 530,000 residential

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Wi-Fi mesh networks are a fast growing area in the home networking arena.

Traditional WI-Fi networks use a central access point to connect the wireless nodes together and to the Internet.

Dead zones and slow connections can be overcome by extending the network using Wi-Fi extenders, cables or home plug adaptors. See extending a home network. for more details.

The main disadvantage of extending a network using wireless range extenders and access points is that you create several wireless networks (separate SSIDs) which means that when moving between them you need to log off from one and then log on to the other.

There are many different network topologies and a mesh topology is very common.

In a mesh network all or most the network nodes are connected to each other.

This makes the network very resilient to failure but can become impractical due to the number of connections.

Meshed Networks can be full or partial as shown in the diagram below:

Wi-Fi mesh kits from Google, BT, Amazon etc make creating a large extended network very simple and usually don’t involve using cables.

They comprise 2 or more Wi-Fi nodes that work together to offer a single Wi-Fi network (one SSID), and devices can hop seamlessly across the nodes as they move within the network.

Note: not all end devices support this.

There seems to be two design approaches to these systems.

The Google approach is to replace the existing WI-FI network and home router with the Google Wi-Fi discs or access nodes.

The other approach taken by BT, for example, is to keep the existing internet router and replace the Wi-Fi network.

The important thing to understand is that the access nodes need to be able to communicate with each other.

They do this over what is known as a backhaul network.

This can be Wireless or Ethernet.

All Wi-Fi mesh providers provide wireless backhaul capability but not all provide Ethernet capability.

This video gives good overview of the problems mesh networks try to solve and how they work.

The video assumes a wi-Fi backhaul network but this is not always the case and not always the best option.

Wi-fi operates on two frequency bands 2.5GHz and 5 Ghz. These are used by clients (laptops,tablets etc) to connect to the network. Older devices only support the 2.5GHz band.

The mesh nodes also need to communicate with each other to pass data and network traffic as shown below:

One approach uses a dedicated Wi-Fi network used solely for the nodes to communicate with each other (BT approach).

The communications path is hidden from view and the approach is called tri-band as the node provides a 2.4GHz network and a 5Ghz network for the devices as per standard WI-Fi access points, and another 5Ghz network for inter node communication.

On a network with many clients this would be faster than using the shared mode where the inter node connection and the client connections share the frequency bands/channels.

The other approach used by Google for example is to use a dual band access point 2.4GHz network Plus a 5Ghz network.

The inter node messages use the same networks as the end devices.

Generally having a dedicated back haul network offers faster connections than shared.

Wi-Fi  6 is the latest Wi-Fi standard offering higher speeds and greater distances than Wi-Fi 5. The only problem is that only very new devices support it.

Using a wired Ethernet connection for the back haul network provides the fastest connections provided this is provided by a wired network and not homeplug adapters.

Although they are called wireless mesh networks the actual topology  of the backhaul network maybe mesh, star, or daisy chain.

Generally a mesh is preferred but if not possible then a star topology and lastly a daisy chain.

A star network topology is preferred as it has lower latency and faster connection speeds than using a daisy chain topology.

Star and Daisy chain topologies are illustrated in the diagram below:

When using wireless backhaul  the nodes must be placed in a position that they can receive a signal from the adjacent node just like when using Wi-fi Extenders.

Having too great a distance between nodes results in slower connection speeds.

See Understanding home network speeds to see how networking speed is affected by distance in a Wi-fi network.

You can expand an existing Wi-Fi mesh network by adding additional nodes, but you must use equipment from the same manufacturer as the existing system.

The TP link deco series has a recommended 10 unit limit when using Wi-Fi Backhaul and no limit if using Ethernet backhaul See here.

You might also find these network diagrams Interesting

In addition to providing Wi-Fi connectivity they also provide advanced features, not available on standard home Wi-Fi networks; like:

Popular systems are

This Google WiFI review by Engadget will give you a good idea of what these systems do.

If you currently require a range extender for your home then you can justify a Mesh Network.

However if you don’t, and have good connectivity with the existing central Wi-Fi router then you don’t need to install a mesh system.

Generally the larger your home or coverage area then the more a Wireless Mesh system will be justified.

If you are wondering how difficult it is the install and setup and mesh system then these videos should give you a good guide

What is the best home Wi-Fi mesh system for providing whole house Wi-Fi?

There are many reviews on the Internet comparing different brands. Some very biased and others less so.

Personally I don’t have the time to review all of the available systems on the market. My normal approach is to look at products offered by the network equipment supplier that I mainly use which is TP-link.

I then look at the features,cost and reviews before deciding.

To save you some research I’ve listed the 5 most popular and affordable mesh systems I found on Amazon USA below.

I’ve ordered them by the number of reviews which should reflect the overall popularity. All of the systems received top ratings and are in the affordable price range.

Chart Updated December 2021

In the UK the TP-Link deco M5 was  the most popular

I came across this review video which compared Wi-Fi 6 mesh systems with different price points.

You might be interested to know that the performance difference between the least expensive to most expensive wasn’t really that great.

A- A system that uses Powerline or Ethernet for the internode connections

Q- I have a dead spot in the house would you recommend installing a Mesh System.

A- No I would use a homeplug with wi-fi as my first choice or a range extender as second choice.

Q- I’ve just moved into a new house should I install a mesh system.

A- Yes That would be my choice

Q- Can I use Wired connections in a Wi-Fi Mesh

A- Yes most nodes in a mesh network  provide LAN ports

Q- Can I use my existing router with my Wi-Fi mesh network.

A- It depends on the system so you will need to read the documentation before you purchase.

Q– Can I increase the number of nodes to increase coverage?

A- Yes but the node must be from the same manufacturer

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Coronavirus Resources for Small Businesses

CARES Act Explained

Most small business owners consider a variety of funding and credit options at one time or another. If you run a small business, you may have already heard about or considered Small Business Administration loans, also known as SBA loans.

For many reasons, SBA loans are a great choice for some businesses. To help you decide if they’re the right choice for you, we’ve collected the benefits, drawbacks, application information, and other things you may need to think about when considering an SBA loan.

Small Business Administration loan programs are drafted in agreement between lenders and SBA agencies. Borrowers use these programs when looking for lenders for their small businesses. Lenders appreciate SBA loan programs because the SBA shoulders some of the risk for the lender by guaranteeing a portion of the loan amount. Because of that guarantee, lenders are able to offer more flexible payment terms and lower interest rates than most small businesses would otherwise be able to get.

SBA loans and SBA Express loans are a useful option for many SMBs, but they do have several drawbacks that you should consider before applying. Here are some to think about before you make a decision.

By now, you’re getting pretty familiar with SBA loans.

Next, you need to decide if these are the right choice for you. If you’re an entrepreneur looking for the best way to fund your growing business, you might be wondering if an SBA loan will help you get where you want to be.

Do SBA loans work? Have they helped others? For many businesses, the answer is yes.

We went right to the source for more information and exchanged emails with the SBA Office of Communications and Bill Manger, associate administrator for the SBA’s Office of Capital Access. Manger relayed a few impressive true SBA loan success stories:

There are several different kinds of SBA loans, so choosing the one that works best for your business can be a bit tricky. How do you find the right loan for your specific situation? You’ll want to understand the options before you decide what’s right for you.

“Small businesses seeking financing should speak with their lender about their individual needs,” Manger advises. “The SBA provides guarantees on loans that lenders would not make on a conventional basis."

To help make your decision easier, we’ve put together a list of eight of the more common forms of SBA loans at the time of this writing. That said, the SBA does change its offerings from time to time as the market dictates, so always check with them to be sure.

“The SBA modernizes its loan program periodically to reflect the current market,” Manger says.

When offerings change, the SBA provides updated information to lenders, who then provide it to the applicants, according to Manger.

“Applicants can reach out directly to one of our 68 field offices or find information available on the SBA.gov website, which has the standard operating procedures for our loan programs,” Manger explains.

To expedite your loan application, start with a look at the list of SBA-approved lenders here. For the fastest results, be sure to have all of the necessary documentation on hand before you apply.

The most common loan available through the SBA is a 7(a) loan which provides $30,000 to $5 million to small business owners. Qualified companies can use the funds to fund startup costs, purchase equipment, buy new land, repair existing assets, expand an existing business, acquire a new business, refinance debt, purchase inventory and supplies, and more.

To qualify for financing, business owners need to have good credit and good business history. In most cases, borrowers will have to put up collateral in order to secure financing.

Generally speaking, repayment terms do not exceed 10 years for most loans and 25 years for real estate loans. Interest rates can fall anywhere between 5–10 percent.

Small businesses that need long-term loans for fixed asset acquisitions—like buying property, buildings, or heavy equipment—can find the funding they need through the SBA 504 Loan program.

If approved, they can qualify for up to $5 million in financing. In most instances, owners are required to guarantee at least 20 percent of the loan.

“These loans are made available through Certified Development Companies (CDCs), which are the SBA’s community-based partners,” Manger explains. “The advantage of this program is that it provides terms of 10 years, 20 years, and 25 years, which helps free up cash flow for small businesses.”

To qualify for funding, businesses can not be worth more than $15 million and they must have an average net income of $5 million or less after taxes over the two previous years, according to the SBA. Nonprofits and businesses engaged in passive or speculative activities can’t get 504 loans.

SBA 504 Loans have fixed rates attached to them. You can use them in a variety of ways, including:

The 504 program, however, comes with some restrictions. You can not use these funds to buy inventory, consolidate debt, or as working capital.

According to the SBA, businesses usually need to create or retain one job for every $65,000 in financing they receive via 504 Loans; small manufacturers need to create or retain a job for every $100,000 in SBA funding.

In lieu of that, CDCs fund businesses that meet community development goals—like improving or stabilizing the economy, stimulating the development of other businesses, or bringing new income into the community. CDCs also fund businesses that help them meet their public policy goals, including revitalizing a community, expanding exports, increasing businesses owned by women, veterans, or minorities, and aiding rural development, among other things. What’s more, CDCs are more likely to approve loans that help them update facilities to meet health, safety, and environmental requirements.

Each year, the government aims to give out at least 5 percent of all federal contracting dollars to disadvantaged small business owners. One of the mechanisms they use to achieve that goal is the SBA’s 8(a) Business Development program.

Businesses approved for the program can earn sole-source government contracts of up to $4 million for goods and services and $6.5 million for manufacturing.

To qualify for 8(a) financing, small businesses must be at least 51 percent owned by a U.S. citizen entrepreneur who is socially or economically disadvantaged. Owners must have less than $4 million in assets and a personal net worth of $250,000 or less; their average adjusted gross income over the previous three years needs to be $250,000 or less, too. Owners must also manage day-to-day operations and their business needs to have a track record of successful performance.

To find out whether you’re eligible for an 8(a) Business Development loan, click here to visit the SBA’s “Am I Eligible?” page.

The SBA microloan program—which was created to help minority, veteran, women, and low-income entrepreneurs—awards qualified businesses with anywhere from $500 to $50,000. Borrowers have to sign a personal guarantee and may have to put up collateral to secure financing.

“The SBA’s Microloan program is designed to provide access to capital to traditionally underserved communities through mission-oriented not-for-profit lenders,” Manger says. “SBA regulators place a limit on the interest rates and fees that can be charged."

In 2017, the SBA approved nearly 5,000 micro loans totaling almost $70 million; the average loan was $13,884 and carried a 7.5 percent interest rate. Repayment terms for micro loans can’t exceed 10 years.

According to Manger, 8 percent of micro loan borrowers return to the SBA when seeking larger amounts of capital.

In 2011, the SBA launched its Community Advantage Loans program, which is designed to support businesses that operate in underserved communities.

Under the program, up to $250,000 is available to startups and established companies that wish to expand. Funds are relatively flexible and you can use them to cover working capital costs, buy inventory, acquire assets, and more.

Qualified businesses generally have between seven and 10 years to repay the loan, plus interest, which usually hovers somewhere between 7 percent and 9 percent.

The SBA offers working capital loans to businesses that need to solve short-term cash flow problems or meet seasonal financing obligations.

The loans—which can reach as high as $5 million with a maximum maturity of 10 years—are perhaps best for businesses that need access to credit lines to ensure they’re able to meet their recurring operating costs and absorb unforeseen expenses.

“SBA CAPLines are a revolving asset-based line of credit,” Manger says. “Small businesses that buy and sell inventory or need to fund contracts would benefit from this type of financing.”

Today, there are four CAPLine programs:

While the cost of these loans will vary based on your specific financial situation, the lender you partner with, and how much money you take out, generally speaking, you can expect to pay somewhere between 7.25 percent and 9.75 percent in interest.

Since CAPLines are lines of credit, you only have to pay interest on the money you spend—not the entire credit line.

The SBA also offers financing for companies that need working capital advances on export orders, receivables or letters of credit under its Export Working Capital Program.

Businesses can apply for these loans prior to finalizing an export sale. If approved, you can use the funds to finance supplies, inventory, and the production of export goods, cover foreign accounts receivable, and as working capital during long repayment periods.

Under this program, up to $5 million is available; loan maturities are generally one year or less. To secure financing, you’ll need to provide a personal guarantee from all owners (20 percent or more).

According to Manger, the SBA has a dedicated team of 21 regional export finance managers located across the country that can help with SBA Export Loans. The agency offers three programs designed to help small business exporters:

If you’re unsure about which program is best for you, talk to your lender or a trusted financial advisor.

The SBA offers loans to businesses that have suffered from natural disasters. Typically, the SBA makes these comparatively low-cost loans available to replace or repair damaged property and offset economic losses in the wake of disasters.

If a natural disaster affects your business, you may be entitled to up to $2 million in relief to repair real estate, equipment, inventory and other fixtures. Loans can be issued of up to 20 percent more than the total loss if the funds are used to protect property against similar damages in the future.

Up to $2 million may also be available to businesses that lose revenue and are unable to meet financial obligations they would have otherwise been able to pay if the natural disaster did not occur.

In the event of a disaster, the SBA assesses damages to determine whether businesses are eligible for compensation under the Disaster Loans program. Interest rates won’t exceed 4 percent for businesses that don’t have credit elsewhere, or 8 percent for businesses that do. Repayment terms can extend to 30 years, depending on the finances of the business.

Before you apply for a loan from the SBA, it’s worth getting familiar with the loan application process so you know what to expect moving forward.

First things first: The SBA itself doesn’t actually lend you the money. What they do is guarantee a business loan from a lender, like a bank. This gives additional assurance and encourages banks to finance businesses they otherwise might not approve for a loan.

To begin the loan application process, you need to establish a dialogue with an SBA-approved lender either directly or through a broker. The right lender will be able to walk you through a number of different loan options and recommend the financial vehicle that makes the most sense for your unique situation. You’ll have to submit a pile of documentation and financial information—your credit score, personal and business financial statements, several years’ worth of tax returns, resumes, business plans, authorization for credit and background checks, your completed loan application paperwork, and more—to determine your eligibility.

Over the next few weeks, the lender will assess your qualifications across five categories: your ability to repay the loan, your business experience, the equity you’ve invested in your company, how much debt you have and how likely you are to repay it, and whether or not you need to put up collateral to secure financing.

Let’s say the lender approves your application. Hooray! Once the lender has made an affirming decision, the loan closing process begins. Expect to sign a lot of documents once again—like a promise to pay, security documentation, insurance forms, and several SBA documents, and more. This process can last as long as three weeks.

The bottom line? Applying for a traditional SBA loan is often a long, time-consuming process with multiple steps that can take months to wrap up. Several entities are involved in the decision-making process and each step takes time. Unless you can afford to wait several months to secure financing for your small business, you are probably better off looking for financing elsewhere.

Now that you’re aware of the different kinds of SBA loans, it’s time to figure out how to increase the chances of approval if you apply, and how to get started with an application if you choose to move forward.

“SBA resource partners offer training courses on how to develop a comprehensive plan,” Manger says. “Business plans need to demonstrate how a small business will use the financing to support the business. It is also imperative that the small business owner can clearly demonstrate their ability to repay the loan. Projections of future cash flow are a necessary component of any business plan.”

If you decide to apply for an SBA loan, the best place to start is right where you are: the internet. Go to the SBA website and fill out the loan application form. To complete your application, you’ll need to provide documents and information verifying your identity, legality of your business, personal and business history, and creditworthiness.

This information includes:

For more information about what’s required, start here. You can also visit your local district SBA office in person to ask about approved lenders who deal with SBA loans. This page is a good starting place for locating a local SBA resources.

Usually, lending institutions have their own evaluation process and eligibility criteria to accept SBA loan applications, even for applications that follow guidelines drafted alongside the SBA agencies.

Be prepared to spend some time on this. The whole process, from application to loan decision, may take several weeks. In recent years, SBA agencies have introduced the SBA Express loan process which business owners can complete in days instead of weeks. As you might expect, this is very popular with small business owners looking to secure loans faster, but it is also harder to obtain. You must have high personal and business credit scores in order to qualify for the SBA Express process. Check with the lender before starting the application to find out which path is appropriate for your business.

Most small business owners use SBA loans and SBA Express loans to accomplish several goals. Here are some uses for which an SBA loan might come in handy:

In short, many business owners will find uses for SBA loans. Borrowers can use the money from SBA Express loans and SBA loans for most legitimate business purposes, though there are some restrictions, making them less flexible than other funding sources.

SBA Loans and SBA Express loans are great options for business owners to consider, but they aren’t for everyone. Luckily, there are many other alternatives that you can use to acquire funding for you small business besides SBA loans. Let's take a look at a few of these next.

Online platforms are available where borrowers can link their accounts and apply for loans. Direct online lenders and online marketplace lenders are two different types of online sources of funding.

PROS

CONS

Whenever you think of loans, the first option that comes to your mind is probably “banks.” Yes, banks do provide conventional loans for small businesses. Here are a few of the pros and cons of working with banks.

PROS

CONS

If you invoice your customers on terms but need money while your customers are taking a long time to pay, then you can opt for invoice factoring. You can sell your invoices to the factor companies that will pay you a portion of the invoice value up front, and collect directly from your customers.

Want to learn more? Head over to our Guide to Invoice Factoring.

PROS OF INVOICE FACTORING

CONS OF INVOICE FACTORING

As you begin your search for financing available through the Small Business Administration, you’ll quickly find out you have several options. Most commonly, business owners need to decide whether to apply for a traditional SBA loan or try their luck at securing an SBA Express loan.

As the name suggests, you can potentially secure SBA Express loans faster than traditional 7(a) loans. In fact, borrowers can expect a decision on their loan application within two or three business days—which sure beats the two- or three-month long process typically associated with traditional SBA loan applications. This speed of financing is due to the fact that the SBA tends to give participating lenders more flexibility when it comes to loan approvals.

Beyond that, there are several other differences between traditional SBA loans and SBA Express loans:

Despite their speed, SBA Express loan applications still require a lot of paperwork and effort. They also tend to be much more difficult to obtain that a traditional SBA loan—particularly for young companies.

If all goes well, you may be able to secure fast financing with an SBA Express loan. But, due to lower odds of approval, it may not be worth your time to apply for an SBA Express loan unless your business has strong financials and a long track record of success.

SBA loans and SBA Express loans are especially designed for small business financing, making them attractive to small business owners. However, they do bring with them several potential issues that not every business owner will be able to overcome, such as high personal credit score requirements.

Yet, SBA loans are still a better option for many small business owners when compared to conventional bank loans, which require lots of paperwork and collateral before the loan is approved. The application and approval process can take many weeks--longer than many business owners want to wait. An SBA Express loan can allow you to get a loan decision in a matter of days or hours, but qualification is tricky and depends on several factors.