The broker channel has seen significant growth. According to Inside Mortgage Finance estimates, brokers accounted for 18.2% of first-lien mortgage originations in the second quarter of 2024. That was up from 16.9% in Q2 2023 and a substantial increase from the historic low point of 9.8% at the end of 2014.

Targeting LO compensation

As the broker channel expands, so does its exposure to regulatory scrutiny, according to some industry participants. Questions remain about certain regulations, which sources believe the CFPB audits will help to clarify. This is particularly true for rules surrounding lender-paid and borrower-paid compensation, a structure unique to the channel.

Jonathon Haddad, chairman and CEO of the Association of Independent Mortgage Experts (AIME), expressed support for the audits, calling them “a long time coming.” 

“The broker owners I’ve spoken to who are being audited are professionals of high integrity, dedicated to acting in their clients’ best interests, and we believe the audits will confirm this,” Haddad said. “As it currently stands, the primary focus has been on originator compensation structures — an area that deserves attention.”

The Dodd-Frank Act allows mortgage brokers to be paid by lenders, but these contracts are typically renewed every three months. Borrowers can also pay the fee themselves, creating room for negotiation.

Sources told HousingWire that borrower-paid compensation, which is often 50 to 100 basis points lower than lender-paid compensation, enables LOs to compete with the pricing exceptions offered by retail loan officers in a competitive market.

While regulations provide clear guidelines — such as prohibiting dual compensation from the borrower and lender, and banning compensation tied to transaction terms — they offer little clarity on when LOs can switch between lender-paid and borrower-paid compensation structures.

“I do believe that competition is always good for the consumer, and the CFPB should allow brokers to give credit to the consumer,” said Thuan Nguyen, CEO and founder of Loan Factory. “But the rule is not clear at all. It’s very muddy. That’s the risk of running a mortgage brokerage. We have to deal with it and don’t have a choice. We wish that the regulator can be clear on this.”

Colgate Selden, a founding member of the CFPB and an attorney at SeldenLindeke LLP, explained that some companies don’t allow LOs to switch from a lender-paid to borrower-paid compensation model after certain stages in the transaction — such as after disclosures or the loan estimate are issued — due to associated risks. He noted that this situation “hasn’t really been fully vetted.”

Sources said another issue on the CFPB’s radar is whether brokerage firms are directing most of their loans to a single wholesale lender while advertising that they are shopping around. 

This scrutiny comes in the wake of a class-action-seeking lawsuit against United Wholesale Mortgage (UWM), the largest U.S. wholesale lender. The lawsuit alleges that the company conspired with mortgage brokers to apply excessive fees and costs to borrowers. In response, UWM has called the accusations a “sham.” 

“If you broker 99% of your loans to one lender while marketing to people that you work with a bunch of lenders to find the best pricing, that has characteristics of what was happening before the meltdown in 2008, and the reasoning for the LO comp rule. That’s deceptive or a misrepresentation to the borrower,” Selden said.

Experts said a potential safe harbor for brokers is to work with at least three different lenders — not just three different products or scenarios.

“We’re starting to promote this approach as much as possible,” Sweeney said. “Most people operate in that manner, but there are times when one lender might have two different products viable for that consumer, and then your third option is from a second lender. It does sound like the CFPB is looking for three different lenders, not just three different products.” 

Requests for more lender options are growing amid increasing concentration in the wholesale lending market, where UWM and Rocket Mortgage dominate. Many brokers cite these two companies for their advanced technology, high-quality service and sometimes more competitive pricing.

At Loan Factory, Nguyen said his brokers work with 200 lenders and each loan runs through a pricing engine that compares offerings. But despite all of these options, 40% of Loan Factory’s loans are directed to a single lender.

“We have a big team of compliance staff to help. And of course we are planning to hire more now,” Nguyen said. “If the CFPB steps in, then it will be extra work, extra resources to be put into compliance.” 

Future of the bureau

Industry experts believe the CFPB could undergo significant changes under the second Trump administration. Elon Musk, the world’s richest man and the owner of Tesla, SpaceX and the social media platform X, has even called for the CFPB to be dismantled as part of his broader scrutiny of government spending.

“Traditionally, around D.C., if a regulatory agency starts an examination or enforcement action, the new incoming administration lets it proceed,” Selden said, adding that there was the case in the past when enforcement actions were shut down. “I would think that even the new administration may want to just continue gathering data, at least to monitor what’s going on in the market.” 

But McKay expressed caution.

“If any broker is sitting there crossing their fingers, hoping that the new administration solves their compliance problem, that’s a bad strategy,” McKay said. “There will definitely be changes within the CFPB, but even if there’s still the possibility it could all go away, this is more of a change within the broker channel than it is with the CFPB behavior.”

Building a strong team starts with a strong internal brand. Clear and consistent brand messaging articulates your company’s mission and values. A well-defined culture guides the behavior and decision-making of your current employees and helps attract candidates who share your company’s vision. Consistency in messaging helps ensure that everyone on your team, from new hires to seasoned employees, understands the organization’s culture and expectations.

A strong employer brand can reduce your cost per hire and attract the right candidates. Establish talent branding initiatives, such as defining your Employee Value Proposition (EVP), maintaining an active social media presence, and sharing employee stories, can help position your company as an employer of choice. These activities help showcase your organization’s culture, values, and work environment, making it easy for candidates to see themselves as part of your team.

Related: Considering franchise ownership? Get started now to find your personalized list of franchises that match your lifestyle, interests and budget.

Lead by example

The phrase “lead by example” has never been more important. It’s not just a cliché; it’s a critical building block for creating a strong, cohesive, and high-performing team. Leaders who embody the values and principles they expect from their team can significantly impact their organization’s culture and productivity. Setting high standards for your behavior and your team’s behavior is crucial to being a successful leader.

When you lead by example, you create a model that others will want to follow, and that can foster an environment of trust and respect. Consistency and fairness in decision-making are equally important. When leaders make fair and consistent decisions, they create a safe and supportive environment. This helps build trust and encourages team members to fully embrace their roles secure in the knowledge that their contributions are valued and rewarded fairly. This environment promotes loyalty and commitment, essential to a high-performing team.

Foster a culture of innovation

Cultivate an environment that thrives on innovation. A workplace that nurtures and encourages creative thinking empowers employees to generate novel ideas and solutions, driving the organization forward. This process begins with arming your team with the right tools and training. Investing in cutting-edge technology and providing continual learning opportunities keeps your team up-to-date and inspires them to venture into unexplored domains.

As a leader, you play a pivotal role in promoting a culture where your team feels safe to experiment and make calculated decisions. It’s about instilling a mindset that perceives setbacks as stepping stones to growth. When your team understands that mistakes are part of the journey toward innovation, they’re more inclined to challenge the norm and think outside the box. This kind of environment thrives on open dialogue and a supportive ethos.

Related: The Critical First 100 Days of Onboarding — What You’re Likely Overlooking That Could Make or Break Your New Hire

Clearly defined roles and potential growth

For each of your key leadership roles, detail responsibilities, expectations, and key performance indicators (and ensure that each manager uses the same approach downline). This clarity enhances individual accountability and builds a sense of purpose and ownership within the team.

In addition, offering training programs, mentorship, and coaching opportunities provide valuable tools that help employees develop new skills and take on different roles. Encouraging your team to step out of their comfort zones and tackle projects or tasks that challenge them will create a culture of learning and innovation. This benefits the employee and brings new perspectives and increased expertise to the team.

Promoting work-life balance

Balancing work and personal life is essential for a happy and productive workforce. Simply stated, it’s one way to demonstrate that you care about your team’s happiness. I have found that creating a work environment that supports the overall well-being of employees is essential. This can be achieved by providing wellness programs, mental health resources, and recreational facilities. Encouraging employees to take regular breaks, offering healthy food options, and organizing team-building activities can also help to create a positive work environment. These efforts can lead to increased employee satisfaction and a more productive workforce.

But remember, it’s not just about the perks. It’s about investing in the long-term success of your team. When employees feel valued and supported, they’ll stick around and give their all. Prioritizing these areas can help you build a high-achieving, happy, and committed team to your company’s vision.

Related: See The Entrepreneur 2024 Top Franchise Supplier List

Creating professional-looking photos feels like pulling teeth. Photoshop is too complicated for most, and Canva doesn’t have many of the tools you really want, so where else can you turn? Try this AI-powered photo editor instead.

With some help from artificial intelligence, anyone can achieve pro-level results with Luminar Neo. With this early Cyber Monday deal, you can get a bundle of the software’s lifetime download for Windows or Mac, a video tutorial, and packs of preset filters for $144.97 (a $752 value). Check out now before the bundles sell out.

Whatever felt impossible before is now at your fingertips

Your product photos, social media content, and headshots will never be the same now that you can give them the attention they deserve. Here’s a workflow you might follow in Luminar Neo:

1. Remove unwanted objects and details with AI.
2. Enhance the photo’s quality or your skin to perfection with AI.
3. Adjust the lighting, color, and contrast.
4. Save the preset for a consistent look across future photos.

When you buy the AI photo editor, you also get a video tutorial on how to use it. A professional photographer and editor walks you through the best way to use each tool, but you could simply click around yourself—it’s that simple to use.

Those wanting an even simpler photo-editing solution will appreciate the six packs of included photo presets. You could transform your pictures with Frosty Winter, Tranquil Dawn, or Tender Blushing Skies add-ons with just a click.

Head straight to checkout to get the Luminar Neo photo-editing lifetime bundle for $144.97 (reg. $752). You won’t find a better price anywhere else for Cyber Monday.

StackSocial prices subject to change.

For entrepreneurs, having the right resources isn’t optional — it’s essential. Microsoft Office 2019 offers tools you need to run your business efficiently, whether you’re working on a Mac or a Windows PC, which are priced at $39.99 and $32.97, respectively, for Cyber Monday.

Microsoft Office Professional Plus 2019 for Windows — compatible with Windows 10 or 11, but not compatible with Windows 7 or 8 — provides a complete suite of apps, including Word, Excel, PowerPoint, Outlook, OneNote, Publisher, and Access. From analyzing complex data to creating polished presentations, this version is ideal for professionals who need powerful tools to handle demanding tasks.

On the other hand, Microsoft Office Home and Business 2019 for Mac delivers a streamlined set of tools that are designed to work seamlessly with macOS 13, 14, or 15, and includes Word, Excel, PowerPoint, Outlook, OneNote, and Teams Classic.

Both licenses are a one-time purchase, offering lifetime access to these industry-standard tools. That means no subscription fees, just powerful software to help you grow your business.

Whether you’re drafting your next big pitch or crunching numbers to close a deal, Microsoft Office 2019 has you covered. Choose the version that fits your setup and get ready to take your productivity to the next level.

Take advantage of this Cyber Monday sale on two lifetime deals:

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Leveraging technology to stay ahead is no longer optional—it’s a necessity. Generative AI is already a cornerstone of modern business, and a recent Data Iku report even highlighted that 90% of business leaders are investing in AI.

Business owners must understand how AI can streamline operations, enhance customer engagement, and drive growth. Whether you’re managing a small enterprise or a growing company, equipping yourself with the skills to harness AI can transform the way you operate and innovate, and The ChatGPT and Automation E-Degree is how you get caught up. This 25-hour AI learning bundle breaks down the potential of AI for business owners in 12 courses, and the price just dropped for Black Friday: it’s just $29.99 for lifetime access (reg. $790).

How to use AI for your business

This comprehensive program teaches you how to integrate AI tools into various aspects of business, from automating workflows to creating impactful data visualizations. Featuring practical applications tailored to industries like marketing, operations, and client services, this program provides a comprehensive guide for implementing AI solutions that improve efficiency and decision-making.

Business owners will learn how to use ChatGPT for automating customer support interactions or how to analyze raw data to extract actionable insights. These skills empower businesses to enhance productivity while delivering tailored experiences to their customers.

The courses go beyond just technical knowledge, offering hands-on experience with real-world scenarios. Whether it’s optimizing resource allocation or crafting personalized marketing campaigns, business owners gain the confidence to apply AI strategically.

Study AI and change how you do business.

Get the ChatGPT and Automation E-Degree for $29.99.

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StackSocial prices subject to change.

Maybe you have a techie on your shopping list who could use an upgrade. Or maybe you need a low-cost, reliable laptop to take on the road. No matter who it’s for, you’ll pay a lot less than you normally would for an Apple machine.

For a limited time and with limited quantities, you can get your hands on a grade-A refurbished Apple MacBook Air 13.3″ for just $229.97 (typically $999) during Black Friday. This means it should arrive in near-mint condition with only the possibility of light cosmetic blemishes.

Enjoy a crisp 13.3″ widescreen display with a 1440×900 resolution, perfect for presentations, video calls, or streaming on the go. And with a 1.8GHz Intel Core i5 processor, you’ll experience smooth performance for multitasking, browsing, and running essential applications.

Weighing in at under three pounds, this MacBook Air is designed to slip into any carry-on, backpack, or tote for easy travel. Plus, it boasts up to 12 hours of battery life, making it a perfect choice for long flights, busy workdays, or keeping up with productivity away from the desk.

This model comes equipped with 128GB SSD storage—enough to keep important files, presentations, and media in one place. The Intel HD Graphics 6000 ensures smooth graphics for video calls, streaming, and more. And you can stay connected no matter where you are with Wi-Fi capabilities, while Bluetooth support lets you transfer files seamlessly from other devices.

This low price makes the refurbished MacBook Air 13.3″ an outstanding gift for anyone who values quality tech, whether a student, frequent traveler, or team member in need of a reliable laptop.

Or, if you’re simply looking for a work-ready device that fits in any bag, this lightweight MacBook Air could be your perfect travel partner.

Get a grade-A refurbished Apple MacBook Air 13.3″ for just $229.97 (typically $999) while inventory is still available. Act before this Black Friday offer ends December 1 at 11:59 p.m. PT.

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In the sizzling world of fast food, burger franchises reign supreme. From classic cheeseburgers to gourmet creations piled high with crave-worthy toppings, these franchises have mastered the art of leaving customers craving more.

In this article, sink your teeth into the top burger franchises according to the 2024 Franchise 500 Ranking, each flipping their way to fame with mouthwatering menus and a side of entrepreneurial flair. From nostalgic diners serving up comfort on a bun to trendy joints pushing the boundaries of burger innovation, these franchises cater to every palate and preference. With a winning combination of savory flavors, efficient service and widespread popularity, they’ve earned their spot at the top of the fast-food hierarchy.

So grab a napkin and get ready to indulge in the best burger experiences the franchising world has to offer.

Related: Considering franchise ownership? Get started now to find your personalized list of franchises that match your lifestyle, interests and budget.

1. Culver’s

• Founded: 1984
• Franchising since: 1988
• Overall rank: 7
• Number of units: 978
• Change in units: +21.0% over 3 years
• Initial investment: $2,800,000-$6,900,000
• Leadership: Rick Silva, CEO
• Parent company: Culver Franchising System LLC

Starting a Culver’s franchise can be a lucrative opportunity due to its widespread popularity and loyal customer base across 26 states. Culver’s offers quality fast food items like ButterBurgers, frozen custard desserts and cheese curds. Founded in 1984 in Wisconsin, Culver’s has grown to over 900 restaurants under the leadership of Craig Culver, making it an attractive option for ambitious franchisees. With a straightforward franchising system and a requirement for owner-operators, Culver’s offers hands-on business management opportunities for individuals with experience in the fast food industry.

Related: Culver’s Is Punching Way Above Its Weight In the Fast Food World, Thanks to This Unique Growth Strategy

2. Wendy’s

• Founded: 1969
• Franchising since: 1971
• Overall rank: 17
• Number of units: 7,282
• Change in units: +5.8% over 3 years
• Initial investment: $310,000-$2,800,000
• Leadership: Kirk Tanner, President & CEO
• Parent company: Wendy’s Int’l. Inc.

Starting a Wendy’s franchise offers numerous advantages, given its longstanding success and strong brand recognition since its founding by Dave Thomas in 1969. With approximately 94% of its locations franchised, Wendy’s presents ample opportunities for entrepreneurs in the fast-food industry. Known for its quality food and efficient service, Wendy’s menu includes hamburgers, fries and famous Frosty desserts, appealing to customers globally. Franchisees enjoy autonomy in pricing, operations and management decisions, along with extensive training and support from the franchisor. Although the initial investment can be significant, Wendy’s offers a pre-established customer base and a relatively affordable entry point compared to other franchises.

3. McDonald’s

• Founded: 1955
• Franchising since: 1955
• Overall rank: 18
• Number of units: 42, 406
• Change in units: +7.6% over 3 years
• Initial investment: $1,500,000-$2,600,000
• Leadership: Chris Kempczinski, CEO
• Parent company: N/A

McDonald’s, a global fast-food giant, traces its roots back to the 1940s when Dick and Mac McDonald opened a drive-in burger joint in San Bernardino, California. Streamlining operations and offering a simple menu of burgers, fries and shakes, the McDonald brothers expanded their business and introduced iconic elements like the golden arches and distinctive colors. In the 1950s, Ray Kroc joined as their franchise agent, leading the expansion eastward and internationally. McDonald’s growth was propelled by innovations like Hamburger University, Play Places and memorable slogans. Today, with over 40,000 locations in more than 100 countries, McDonald’s remains a dominant force in the fast-food industry.

Related: McDonald’s Made a Simple Change to a Cult-Favorite Menu Item. Now, the Sandwich Is a $1 Billion Brand

4. Burger King

• Founded: 1954
• Franchising since: 1961
• Overall rank: 38
• Number of units: 19,739
• Change in units: +4.1% over 3 years
• Initial investment: $2,000,000-$4,700,000
• Leadership: Chris Elias, Sr. Director, Business Development & Franchising
• Parent company: Restaurant Brands Int’l.

Burger King, a renowned fast-food chain, began as Insta-Burger King in 1953 before rebranding in 1967 and expanding globally. With a menu featuring iconic items like the Whopper, Burger King boasts widespread recognition and a strong customer base. Starting a Burger King franchise offers numerous benefits, including access to financial assistance through programs like DiversityFran, extensive franchise opportunities and comprehensive support from Burger King’s franchise team. Leveraging the brand’s global recognition and customer base, Burger King franchises can quickly establish themselves in their communities and generate revenue. For aspiring fast-food entrepreneurs, starting a Burger King franchise presents a lucrative opportunity for success.

5. Sonic Drive-In

• Founded: 1953
• Franchising since: 1959
• Overall rank: 50
• Number of units: 3,521
• Change in units: +0.6% over 3 years
• Initial investment: $1,700,000-$3,400,000
• Leadership: Jim Taylor, President
• Parent company: Inspire Brands

Sonic Drive-In stands out as a successful franchise opportunity in the dwindling drive-in restaurant industry, maintaining its popularity and serving millions of customers annually. With its enduring drive-thru business model and a menu featuring hamburgers, hot dogs and onion rings, Sonic has thrived for more than 60 years. As one of the largest drive-in chains headquartered in Atlanta, Georgia, Sonic offers franchisees the chance to capitalize on its established brand and expand into all 50 states. For aspiring entrepreneurs seeking a resilient and profitable fast-food franchise, Sonic presents a compelling opportunity to succeed in a competitive market.

6. Freddy’s Frozen Custard & Steakburgers

• Founded: 2002
• Franchising since: 2004
• Overall rank: 67
• Number of units: 531
• Change in units: +26.9% over 3 years
• Initial investment: $898,000-$2,800,000
• Leadership: Chris Dull, President & CEO
• Parent company: N/A

Freddy’s Frozen Custard & Steakburgers, established in 2002, offers a unique blend of freshly churned frozen custards and ground beef steakburgers. With nearly 500 locations across the United States and some internationally, the franchise’s appeal lies in its ease of operations, well-priced menu and focus on quality over quantity. By joining Freddy’s franchise, entrepreneurs can tap into its established brand and commitment to hospitality, making it an enticing opportunity in the competitive restaurant industry.

Related: See Where These Franchises Ranked in Our 2024 Franchise 500

7. The Habit Burger Grill

• Founded: 1969
• Franchising since: 2013
• Overall rank: 117
• Number of units: 382
• Change in units: +28.2% over 3 years
• Initial investment: $1,500,000-$1,800,000
• Leadership: Shannon Hennessy, CEO
• Parent company: Yum! Brands

The Habit Burger Grill, known for its delectable burgers, chicken and tuna sandwiches, offers a tempting menu for potential franchisees. Originating in 1969 in Goleta, California, it expanded to become a fast-casual dining experience, reaching its 300th location by 2021, including international branches in Cambodia and China.

8. Carl’s Jr.

• Founded: 1945
• Franchising since: 1984
• Overall rank: 123
• Number of units: 1,709
• Change in units: +3.0% over 3 years
• Initial investment: $1,500,000-$3,200,000
• Leadership: Max Wetzel, CEO
• Parent company: CKE Restaurant Holdings Inc.

Since 1941, Carl’s Jr. has grown from a single drive-in to a global franchise chain offering a diverse menu of American and Mexican cuisine. Through hard work and exceptional customer service, Carl’s Jr. expanded to over 1,600 franchises in the U.S. and internationally. Known for its signature charbroiled Black Angus beef burgers, Carl’s Jr. attracts a wide customer base with its breakfast, lunch and dinner offerings. Franchise owners benefit from ongoing product development efforts and a digital customer loyalty program, ensuring continued success and customer satisfaction.

9. A&W Restaurants

• Founded: 1919
• Franchising since: 1925
• Overall rank: 170
• Number of units: 865
• Change in units: -6.0% over 3 years
• Initial investment: $287,000-$1,600,000
• Leadership: Kevin Bazner, CEO
• Parent company: A&W Restaurants

A&W Restaurants offers franchise opportunities for those seeking to bring the taste of classic Americana to their community. Founded in 1919 and franchising since 1925, A&W is known for its root beer and a menu featuring burgers, hot dogs, chicken, sides and ice cream. The franchise prioritizes community connection, with decisions made by a franchise association board and corporate office staff required to work in a restaurant quarterly. Financial readiness for initial and ongoing fees, including advertising and royalty fees, is essential for prospective franchisees.

10. Jack in the Box

• Founded: 1951
• Franchising since: 1982
• Overall rank: 193
• Number of units: 2,191
• Change in units: -1.0% over 3 years
• Initial investment: $1,800,000-$4,200,000
• Leadership: Tim Linderman, CDO
• Parent company: Jack in the Box Inc.

Jack in the Box was founded in 1951 by Robert O. Peterson in San Diego as a drive-thru burger restaurant. It expanded outside California in 1960 and began franchising in 1982. Today, it offers a diverse menu including hamburgers, chicken sandwiches, breakfast items, tacos, salads, shakes and sides.

Related: See Who Made This Year’s Franchise 500 Hall of Fam

Right before the holidays, a Costco Gold Star Membership isn’t just a smart move—it’s a downright brilliant one. For $65, you’ll get a 1-year membership plus a $45 Digital Costco Shop Card*, making it easier than ever to stock up on groceries, access incredible deals on holiday gifts, and even grab some seasonal décor. With this Black Friday promotion, you’re saving money and opening the door to a world of value and convenience.

Here’s how to make the most of this offer. Purchase your membership through StackSocial and ensure your email address is valid. Within two weeks of redeeming your membership, you’ll receive your $45 Digital Costco Shop Card* via email. This can be used online or in-store, giving you even more flexibility. The catch? This deal is only for new Costco members or those whose memberships have been expired for over 18 months. Don’t worry—you have until January 31, 2025, to redeem it.

The benefits don’t stop there. Your Costco Gold Star Membership gives you access to members-only pricing at Costco Gas Stations, helping you save big on fuel whether you’re off to visit family or heading off for a work trip. The perks extend to in-warehouse optical centers and pharmacy services, so you can handle essentials in one convenient trip. Plus, with an additional Household Card included, someone else in your household (18+) can help split the shopping duties.

And let’s talk holiday shopping. Whether you’re looking for electronics, fine jewelry, groceries for that big family feast, or even festive decorations to make your space sparkle, you can find it all in one place—and usually at prices that make you do a double-take. This timely offer makes holiday prep a breeze while setting you up for savings year-round.

Grab this 1-year Costco Gold Star Membership plus a $45 Digital Costco Shop Card* for $65 to help make your holiday season run smoother when you purchase through December 22.

Costco 1-Year Gold Star Membership + $45 Digital Costco Shop Card* – $65

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2025 is right around the corner, and if you’re an entrepreneur with big plans, this could be your year to capitalize like never before. The economy, the political climate and the sheer momentum in the business world are all lining up to create a landscape that’s ripe for growth, innovation and opportunity.

Here are five compelling reasons why 2025 might just be the year you’ll look back on as a defining moment in your entrepreneurial journey.

Related: How to Create a Winning Strategic Plan for 2025

1. Lower interest rates mean cheaper capital

After years of navigating high-interest environments, entrepreneurs can finally breathe easier. With inflation easing and the Fed signaling lower interest rates, the cost of capital is on its way down. For those of us looking to expand or scale, this isn’t just a welcome change — it’s a game-changer.

Lower interest rates translate directly into more affordable loans, allowing you to invest more into the areas that count: expanding your team, refining your product or scaling your marketing efforts. Whether you’re using debt or equity, 2025 will give you access to cheaper money to fuel your growth, letting you focus on what you do best without being weighed down by hefty financing costs.

2. Investor motivation is through the roof

Cheaper capital doesn’t just impact entrepreneurs; it impacts investors, too. With the cost of borrowing down, investors will be hungry to make their money work harder. More than ever, venture capital firms, private equity funds and angel investors will be on the lookout for promising startups with visionary leaders at the helm.

In other words, 2025 will be an optimal year for entrepreneurs looking to attract funding. Whether you’re seeking seed money or a massive growth round, you’ll find investors with capital they’re eager to deploy. If you’ve been waiting to pitch that next big idea, now is the time to refine it, perfect it and prepare to sell it.

3. A business-friendly political environment

With a Republican-dominated government projected for the next few years, there’s reason to expect a favorable business climate for entrepreneurs. Historically, Republican administrations have been associated with policies that favor economic growth, reduced regulations and tax incentives designed to benefit businesses of all sizes.

For entrepreneurs, this could mean fewer regulatory hurdles and more resources to invest back into the business. Whether it’s relaxing labor restrictions, streamlining compliance or lowering corporate taxes, 2025 is poised to be a year where entrepreneurship isn’t just encouraged; it’s rewarded. This pro-business environment can open doors to faster growth and innovation, allowing you to stay focused on building rather than battling red tape.

4. Consumer confidence is on the rise

The stock market has shown no sign of slowing down, and if 2025 continues the upward trend, consumers will have more wealth at their disposal. When the market is bullish, people feel wealthier, which typically results in increased consumer spending — a powerful boost for businesses of all kinds.

For entrepreneurs, this means a ready and willing customer base eager to spend on the products and services they trust and value. With consumer confidence climbing, this is your chance to captivate your audience, build loyalty and tap into a market that’s actively looking for fresh, innovative solutions. The economy is only as strong as its consumers, and right now, consumers are feeling stronger than ever.

5. Tech innovation is exploding

We’re living in an era where technological advances are accelerating, and 2025 promises even more breakthroughs. From artificial intelligence and automation to new communication platforms and data analytics, technology is equipping entrepreneurs with tools that make starting, scaling and optimizing a business easier than ever before.

In 2025, you’ll have access to cutting-edge technologies at lower costs, allowing you to streamline operations, reach customers more efficiently and make data-driven decisions with unprecedented precision. Entrepreneurs who embrace these advancements will gain a powerful edge, letting them outmaneuver competitors, scale faster and deliver more value to their customers. Innovation is no longer a luxury; it’s a necessity, and 2025 is the perfect year to go all in.

Related: Top 10 Advanced Technology Trends to Watch in 2025

The stars are aligning for entrepreneurs in 2025. Lower interest rates, eager investors, a pro-business political climate, high consumer confidence and a wave of tech innovations are creating a unique and powerful environment that’s ready to fuel your growth. But the opportunity doesn’t mean anything unless you seize it.

For brands, the holiday season is more than just a shopping rush. It’s a time to connect with their audience in a way that feels relevant and memorable. And with competition heating up, you need to be creative and think of new ways to stand out and capture the magic of the season.

With that in mind, here are seven innovative holiday marketing ideas to help your brand stand out and create moments that stick with customers beyond the holidays.

Related: Ho-Ho-Holiday Marketing For Brands — 8 Strategies to Make Your Brand the Star of the Season

1. Themed content campaigns

Themed content is the spirit of the season and can help your brand be present in a warm and festive way across multiple channels.

Create a holiday-themed video series:

One great way to display your brand’s personality and connect with audiences is through short, engaging videos. These videos can make your brand feel approachable and fun, whether you’re sharing holiday tips, showing how your team celebrates or even creating mini tutorials. You can keep audiences coming back for more by sharing them on social media or including them in email newsletters.

Blog posts with holiday tips:

Seasonal tips in holiday blog posts are a win-win: You offer useful content, and you keep your products in the spotlight.

For example, a food brand might post something like “Top 10 Holiday Recipes,” and a home decor business might share “Holiday Decorating Tips.” This kind of content isn’t just informative; it makes your brand a helpful part of your customers’ holiday experience.

2. Social media specials

Festive energy is what social media is all about, and it is the perfect place to launch interactive holiday campaigns that will grab people’s attention and reward engagement.

12 days of giveaways:

Think about doing a “12 Days of Giveaways” campaign in the days leading up to Christmas, giving away a new product or service each day.

This not only increases engagement but also gets people to follow your account for updates and builds buzz for your brand. Each day’s prize can be different and give an opportunity to highlight different offerings of your business in a fun and interactive way.

Holiday countdown:

Another idea is to do a holiday countdown and post daily content up until Christmas or New Year’s Eve. Add urgency by including limited-time flash sales or promotions during the countdown.

This strategy keeps your followers engaged and excited to see what’s coming next, making every day an opportunity to create excitement and drive sales.

3. Personalized email marketing

The holidays are a great time to use email marketing to do more than just promote; you can make your customers feel valued and appreciated.

Seasonal newsletters:

Seasonal newsletters with personalized messages, special discounts or gift ideas based on past purchases make your emails more relevant and compelling. Add in holiday greetings, product recommendations or last-minute gift guides to let customers know you know what they’re looking for this holiday season.

Holiday cards:

A thoughtful touch can be a digital or physical holiday card to your loyal customers with a personalized thank you message. A nice bonus, including a discount or coupon for their next purchase, is a sign of appreciation that encourages repeat purchases.

4. Interactive website features

As a digital storefront, why not make your website feel as festive as the season?

Holiday-themed website overhaul:

Updating your website with holiday graphics, a special logo or animated snow will put the holiday cheer right on customers’ screens. These small touches can truly keep your site feeling fresh and engaging, enticing customers to browse and truly get into the holiday spirit.

Advent calendar on website:

An online advent calendar is a great interactive feature to drive traffic on a daily basis. Each day, customers could open each “door” to see what new product, discount code or exclusive content they could find.

This feature generates a feeling of anticipation and excitement, making visitors want to come back daily to see the next reveal.

Related: The Holiday Marketing Guide for Small Businesses

5. Event-driven promotions

Events are a great way to interact directly with customers while building memorable experiences that will both increase brand loyalty and attract new followers.

Virtual holiday event:

A virtual holiday event is a great way for brands with an online presence to connect with audiences. Host a live product demo, holiday cooking class or a virtual meet and greet with founders, influencers or special guests.

These are interactive events and can be streamed across social platforms to customers near and far. It’s a chance to present your products in a festive, engaging format that will stick with people.

In-store experiences:

If you have a physical location, have exclusive holiday shopping events. Give visitors something to do by offering live music, free gift wrapping or a holiday-themed photo booth. They give the shopping experience a bit of a unique and festive feel that will encourage foot traffic and make your business more likely to be one of your customers’ repeat stops.

6. Partnerships and collaborations

Collaborations with other businesses or influencers who align with your brand values and target audience can expand your reach and bring fresh energy to holiday campaigns.

Collaborate with other businesses:

Working with complementary brands can lead to exciting bundled deals, co-hosted events or joint promotions.

For example, a bakery could team up with a local coffee shop to offer holiday-themed treats or bundled discounts. Not only does this benefit both brands, but it also creates added value for customers, helping everyone get more into the holiday spirit while expanding brand exposure.

Influencer marketing:

Teaming up with influencers during the holidays is an excellent way to tap into new audiences. Influencers can give your brand a credible boost by featuring your products in their holiday content or promoting special deals to their followers.

This type of collaboration brings authenticity to your holiday marketing efforts and helps build trust with potential customers who may be discovering your brand for the first time.

7. Charitable giving

Aligning your brand with charitable activities during the holiday season is an impactful way to make a difference and foster a positive connection with customers.

Charity partnerships:

Consider partnering with a charity and pledging a portion of your holiday sales to support a cause that aligns with your brand values.

This approach not only benefits the charity but also enhances your brand’s reputation, as customers feel good about supporting businesses that give back. Publicize your charity partnership across your social media channels, website and newsletters to maximize awareness and engagement.

Sponsor a holiday drive:

Organizing or sponsoring a holiday drive — whether for toys, food or winter clothing — can bring the community together and increase foot traffic to your store or website. Provide an incentive, like a small discount for customers who donate, to make participating even more rewarding.

With this, customers will remember your business not only for its products but also for its dedication to making the holiday season brighter for others.

Related: 5 Examples of Brands Doing Holiday Marketing Right

The holiday season is a competitive yet valuable time to build your brand’s presence, foster customer loyalty and create lasting memories. With these seven creative marketing ideas, your business can stand out, connect with audiences and make a real impact.