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phildoyle.com



PHIL DOYLE
capital strategies

(415) 484-8661

business finance since 1988
helping businesses stay competitive™

Business Lending • Digital Commerce & Payments • Customer Financing

responsible straight-forward ethical business practices that put people first

How's your business?

Phil Doyle resume at bottom of page

I own a business finance agency based on my 30 years in business lending, payments solutions, and customer financing.  We help businesses stay competitive.  We represent the #1 sources.  We do not charge fees or add to the cost of finance.

What do you need for operations, expansion, or refinance?

What will you need to stay competitive in the Digital 2020s?

Expand and grow with confidence Access all three areas of business finance #1 for Online SBA / Bank Loans & Flexible Short Term Funding #1 Payments Platform in the World — Multi-Channel Digital Commerce #1 for Customer Financing       To stay competitive, you need to be with the #1 finance sources. They have unfamiliar new names after multi-billion $ mergers.  They are the oldest, safest, fastest, and biggest.  They eliminate resellers.  Their advanced finance tech (automation, artificial intelligence) means you take advantage of superior security, speed, risk scoring, simplified pricing, and high performance -- using your existing POS, if desired.  I can help you you compare and get what you need to stay competitive.  We do not charge fees.  Working with us is the same as working directly with the finance sources —only better because often we make things happen quicker, or bigger. Retain Customers & Improve Cash Flow 5% revenue lift .. 15% reduction in chargebacks .. 12% reduction in debit card fees Higher conversion rates .. Improved authorization & better acceptance of all payment methods Phil Doyle resume at bottom of page "Digital commerce is doing to POS/terminals what smart phones did to flip phones, what Google did to the Yellow Pages, what Windows did to DOS." Digital commerce (dCommerce) is what comes after electronic commerce (eCommerce) to help you stay competitive with omni-channel data to simplify operations, increase security, retain customers, and improve cash flow.

Please call me today for a competitive finance strategy.

(415) 484-8661

Using Data Intelligently to Drive Business Outcomes

Smart Insights for a New Future — Dec. 2021 SMB PACE Report

Gaining Lift from the Consumer Shift — CMO Council Dec. 2021

click for Special Reports
- secure link -

SmallBusinessReports.org

Small Business Reports
business journal for business owners

Access all three areas of business finance

Business Lending • Digital Commerce & Payments • Customer Financing

Online SBA / Bank Loans  •  Flexible Short Term Loans & Advances
Private Money  •  Unsecured Business Funding  •  Non-bank Lending
Omni-Channel Digital Commerce  •  Payments & Customer Experience
Real Time Settlement of Merchant Funds 24/7  •  Simplified Pricing
 Lines of Credit  •  Equipment Financing  •  Customer Financing
SBA Commercial Real Estate Loans

We eliminate resellers.

Compare your loan options.

A common mistake is focusing on the interest rate.

Six points to consider: the funds offered, additional fees, term length, collateral required, reporting restrictions, and any special rules about paying off the debt. Repayment terms are unique to each loan. Are you allowed to actually pay off this loan sooner? Are you paying interest and principal all the way along, or a large principal repayment at the end?

 

What sets us apart?

SMART MONEY

Digital Commerce & Payments Fuel Marketing & Management
 

What sets us apart is the consistent and seamless experience we provide in all three areas of business finance.  Working with us is the same as working directly with the source —only better because often we can make things happen quicker.      I grew up in this business when it was a small family business.  It was built on genuine business relationships —and still is. Now we work with the best people and companies in all three areas of business finance.      We serve businesses of all sizes in most industries:  insurance, real estate, automotive, manufacturing, distribution, retail, services, home improvement, contractors, construction, oil and gas, mining, technology, and pharmaceuticals.  Working with a business finance agency and sources that deal regularly with companies in your industry is a tremendous benefit. Phil Doyle resume at bottom of page Please call me today for a competitive finance strategy. (415) 484-8661        As an independent finance agency representing the #1 leaders (oldest, biggest, fastest, superior finance tech) and other sources, we help businesses stay competitive and support their continued growth.  We do not add fees or commissions.  We eliminate resellers.  Compare your sources today.      You will have a knowledgeable, competent business finance agent throughout every step of the process with innovative finance strategies, simplified pricing, competitive low costs, larger amounts, and flexible terms. The application, underwriting, and funding are very fast because of superior finance tech.

How Commerce Has Changed Forever

Omni-Channel Digital Commerce & Payments

5% revenue lift.  15% reduction in chargebacks.  12% reduction in debit card fees.

Higher conversion rates.  Improved authorization & acceptance of all payment methods.

Four security questions to ask your payments provider

click for Special Report

SmallBusinessReports.org

Small Business Reports
business journal for business owners

Stay Competitive in the 2020's

A Golden Era of Business Finance & Access to Capital

Omni-Channel Digital Commerce & Payments

click to play - scroll down for complete report below

     The starting point for better customer retention, improved cash flow, omni-channel commerce, superior security & service, simplified pricing, sales & customer data for individual marketing with targeted incentives, and integrated management efficiencies to streamline operations is your innovative payments platform.

OMNI-CHANNEL DIGITAL COMMERCE
Simplify operations, retain customers, and improve cash flow



A fully integrated payments platform with omni-channel digital commerce is an immediate profit center with secure cloud-hosted smart point-of-sale business managment of payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust intelligent reporting, and remote access — to acquire and retain customers 24/7, retail and wholesale, physical and digital.

"It's fast and easy to setup and run."

Omni-Channel Digital Commerce

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What's next?

Compare your sources in all three areas of business finance.

Business Lending • Omni-Channel Digital Commerce • Customer Financing

Let's compare finance strategies to get what you need.
We have helped thousands of businesses like yours.


Please call me today.  (415) 484.8661  
I do not charge fees.

Money is now a convenient business resource because of superior finance tech. Example - Short-term non-bank loan strategy:  $5,000 to $250,000, 1st or 2nd, 6-24 months, weekly payment. 100% online, 1 page application & 3 months bank statements, No broker fee or commission. No early payoff cost. No collateral. No upfront costs or fees. Professional service.

Four ways businesses can dodge loan scams and predatory lenders

1. BE WARY OF SPEED
2. NEVER PAY MONEY UPFRONT
3. EXPLORE ALL OF YOUR LENDING OPTIONS
4. SURROUND YOURSELF WITH THE RIGHT EXPERTS

Small Business Reports
business journal for business owners
SmallBusinessReports.org

Business owners say innovation is vital to stay competitive.     Dear Business Owner,       I have a business finance agency based on my 30+ years in business lending, payments platforms, and customer financing.  We help businesses stay competitive.  We represent the #1 sources.  We do not charge fees or add to the cost of finance.      What do you need for operations, expansion, or refinance? What will you need to stay competitive in the Digital 2020's?      Expand and grow with confidence.  Access all kinds of money quickly:           #1 for Online SBA / Bank Loans & Flexible Short Term Funding           #1 Payments Platform in the World — Omni-Channel Digital Commerce           #1 for Customer Financing         We are trusted leaders - oldest, biggest, fastest, advanced finance tech - with superior security, service, and pricing in all three ares of business finance.  We have served  thousands of businesses like yours.       If you are not staying competitive, you already may be years behind.  Compare your finance sources for business loans, payments solutions, and customer financing.  We eliminate resellers. Business Lending   — Online SBA / bank loans, flexible short term loans & advances    Q:  What do you need for expansion, operations, or refinance? Q: What's next?   Call me today for a competitive finance strategy.        Payments Platform  — Omni-channel commerce, real time settlement, simplified pricing    Q:  What percent of sales is digital with sales data for targeted incentives? Q:  How do you use your sales data for individual marketing to retain customers?                  Customer Financing  — Boost sales with the the right consumer lender    Q:  What percent of sales is from customer financing? Q:  How do you offer customers easy financing of their purchase?        Payments & Finance Tech fuel the new Marketing & Management Using Data Intelligently to Drive Business Outcomes Retain Customers & Improve Cash Flow with Omni-Channel Commerce & Payments 5% revenue lift .. 15% reduction in chargebacks .. 12% reduction in debit card fees Higher conversion rates .. Improved authorization & better acceptance of all payment methods Four Security Questions to Ask Your Payments Provider      Finance tech and artificial intelligence transformed security, service, and pricing. Four Ways to Dodge Loan Scams and Predatory Lenders      Capital is a now convenient resource because of superior finance tech. SmallBusinessReports.org — Small Business Reports  —  business journal for business owners How's your business?     Let me help you compare finance and get what you need. Phil Doyle   capital strategies     business finance since 1988 phildoyle.com   (415) 484-8661    helping businesses stay competitive™ Business Lending  •  Omni-Channel Commerce & Payments  •  Customer Financing Please call me today for a competitive finance strategy.

Money is a now convenient business resource because of superior finance tech. Example: short-term non-bank loan strategy:  $5,000 to $250,000, 1st & 2nd, 6-24 months, weekly payment. 100% online, 1 page application & 3 months bank statements, No broker fee or commission. No early payoff cost. No collateral. Safe. Quick. Flexible. No fees. No upfront cost. Next day funding. Professional service. As 'buy now, pay later' surges, a third of U.S. users fall behind on payments SmallBusinessReports.org Small Business Reports - business journal for business owners Let's compare finance strategies to get what you need. We have helped thousands of businesses like yours. Please call me today. I do not charge fees. (415) 484-8661 Expand and grow with confidence. Access all kinds of money quickly. Online SBA & Bank Loans  •  Flexible Short Term Loans & Advances Private Money  •  Unsecured Business Funding  •  Non-bank Lending Omni-Channel Digital Commerce Payments & Customer Experience Real Time Settlement of Merchant Funds 24/7  •  Simplified Pricing  Lines of Credit  •  Equipment Financing  •  Customer Financing SBA Commercial Real Estate Loans We eliminate resellers 100% digital. Easy, quick and safe. responsible straight-forward ethical business practices that put people first

REINVENT SMARTER

Today's finance leaders advance the ways businesses stay competitive.

All three areas of business finance suddenly transformed security, service,
and pricing which accelerated ahead five years with finance tech, artificial intelligence,
and machine learning to confidently reduce risk, increase speed, and simplify pricing.

Now, more than ever, it matters who you're with.
Many resellers lack finance tech for security and speed.
If you are not staying competitive, you already may be years behind.

"Simplify operations, retain customers, and improve cash flow with omni-channel commerce."

Let's compare finance strategies to stay competitive.
We have helped thousands of businesses like yours over the past 30+ years.

Call me today.  (415) 484.8661   No fees.

The key to staying competitive is superior finance tech from the #1 sources.
 

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The starting point for better customer retention, improved cash flow, omni-channel commerce & customer experience, superior security, service & pricing, customer data for individual marketing with targeted incentives, and integrated management efficiencies is your innovative payments platform.

 

1.    Digital payments continue to change how people pay in-store Mobile wallets like Apple Pay and Samsung Pay continue to spark change at the point of sale by making checkout faster, safer, and more convenient. While mobile wallets will be the leading POS payment method globally by 2023, North American consumers will still favor traditional payment methods such as credit and debit cards. But that doesn’t mean there isn’t wide adoption of mobile and digital wallets. Millions of consumers are using them on a daily basis, especially online. Activating acceptance of digital and mobile wallets is crucial to bridge consistency between the instore and online experience. 2.    The lines continue to blur between online and in-store Payments are often tracked between channels, but consumers are generally focused on the end result rather than the channel where they’re making the purchase. Convenience is typically the deciding factor for how a consumer prefers to shop. And they expect consistency and convenience whether they visit a store, stay online, or find a middle ground between the two. For instance, as buy online, pick up instore becomes more and more prevalent, consumers are looking for retailers to make it easy. That means the payment should be nearly invisible. With so many alternative payment methods available, it’s becoming easier to do just that. 3.    The next generation of shoppers are looking for personalization from brands Today’s teenagers and young adults are the first generation of digital natives, yet that’s only the beginning of what makes Gen Z distinctive. Gen Z shoppers gravitate to brands that are transparent about values, that seek to understand them as individuals, and that deliver exceptionally personalized service. We explore how enterprises that can individualize at scale can gain the trust and loyalty of a new generation of shoppers. 4.    Instant payment schemes will open up new doors for payment methods Alternative payment methods go beyond just mobile and digital wallets. Additional options like buy now pay later and bank transfer are also changing the payments world. Open banking initiatives are bringing a new wave of change to the payments industry and with it, an additional alternative payment method for retailers to consider: account to account payments. These payments have existed for a while in peer to peer relationships and the ACH network, but open new doors for retailers in the form of cost savings. Real time payments could set new habits in how consumers prefer to pay businesses. 5.    New technologies are advancing how AI is being utilized for payments Advancements in the interfaces that allow humans and computers to communicate are sparking change in how we can purchase items online and engage with some brands. Improvements to artificial intelligence allow us to literally interact with voice assistants; from having them tell us jokes, to playing music, to asking for our favorite coffee to be reordered. Smart speakers have become a part of our everyday lives. The rise of voice assistants has opened the door to making purchases using only our voices, but the commercial potential remains largely untapped. Further advancements in security and identifying what customers want from a voice only search will predict future success. Growing your business audience starts with understanding how best to connect with your potential customers. Shoppers engage with retailers at the most critical intersection—the payment. from   SmallBusinessReports.org     Small Business Reports — business journal for business owners

 Expand and grow with confidence

Let's compare finance strategies to stay competitive.
We have helped thousands of businesses like yours.

Call me today.   (415) 484.8661   No fees.

responsible straight-forward ethical business practices that put people first

Business Lending • Omni-Channel Digital Commerce & Payments • Customer Financing

We work with over a million merchants around the world
-- from local stores to global enterprises.

We have decades of focus on payments and customer financing.

Access one billion dollars of flexible private money
for small business innovation and growth.

We do not charge fees. We eliminate resellers.

responsible straight-forward ethical business practices that put people first

What's your strategy?
 

Let's compare finance strategies to stay competitive.  (415) 484.8661    No fees.
We have helped thousands of businesses like yours over the past 30+ years.

 Working together, we can achieve your business goals
- both now and for the future -
with innovative strategies and trusted finance sources.

Expand and grow with confidence

Access all kinds of money.

Online SBA & Bank Loans  •  Flexible Short Term Loans & Advances
Private Money  •  Unsecured Business Funding  •  Non-bank Lending
Omni-Channel Digital Commerce Payments & Customer Experience
Real Time Settlement of Merchant Funds 24/7  •  Simplified Pricing
 Lines of Credit  •  Equipment Financing  •  Customer Financing
SBA Commercial Real Estate Loans

We eliminate resellers

Money is now a convenient business resource because of superior finance tech.

Call me today.  Ask to see a non-bank flexible short term loan strategy with same day funding.
100% digital. No hidden costs or surprises. Easy, fast & safe. No collateral.

Innovation is Vital to Stay Competitive

100% committed to small business finance. 
No fees. No resellers.

Business Lending  •  Omni-Channel Digital Commerce Payments  •  Customer Financing

Who helps you stay competitive in all three areas of business finance?
How many sales reps does it take? How well do they know your business?
Do they work together as a team toward your goals?

Business owners do not have time to keep up with
fast-evolving finance tech business solutions, security, and service.

Expand and grow with confidence.  Access all kinds of money quickly.

responsible straight-forward ethical business practices that put people first
this professional site does not sell products or services -- no fees
this secure website does not track viewers or collect data

How's your business?

Businesses recognize they must embrace smart innovation
to retain customers, improve cash flow, and stay competitive.

Business Lending  •  Omni-Channel Digital Commerce & Payments  •  Customer Financing

Today's finance leaders advance the way businesses stay competitive with artificial intelligence and
machine learning to instantly interpret vast data to confidently reduce risk, increase speed, and lower costs.
Small businesses are no longer required to use resellers because many resellers lack security and speed.

Now, more than ever, it matters who you're with.

We eliminate resellers.

EXAMPLES

click to open the report:
"Closing the Cash Flow Gap with Real Time Settlement 24/7"

Fully integrated omni-channel digtal commerce payments platform for managing payments, inventory, pricing and discounts, sales tax, employees, targeted marketing with customer data, loyalty and gift card campaigns, robust reporting and remote access -- to run more efficiently with superior security, service, and pricing with frictionless transactions on any screen anywhere for physical and digital sales and automated customer service

A fully integrated digital store is a permanent
profit center for long-term competitive growth.
 

Businesses either grow or die.

54% of small businesses across the U.S. are at risk of financial difficulty.
-- Wall Street Journal

Omni-Channel Commerce Payments Platform & Customer Experience with fully integrated digital store is an immediate profit center with secure cloud-hosted smart point-of-sale data business managment for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to acquire, retain and serve customers 24/7, both retail and wholesale, both physical and digital -- on any screen anywhere.

- example only -

It's fast and easy to setup and run.

Click video above.   "Fully Integrated Digital Store"

Click video above.   "Murphys Motorcycle Company"

Click video above.   "WJ Doyle Wine & Spirits"

Click video above.   "Smart Point-of-Sale Business Management"

For example and comparison only -- 
Call me today for a Competitive Finance Strategy including a free 15-day fully functional
test drive of an innovative integrated online store with unlimited customer support.
No payment required. No risk. No obligation.  (415) 484.8661

responsible straight-forward ethical business practices that put people first
this professional website does not advertise products or sell services -- no fees

Business Finance

Business Lending  •  Payments Platforms  •  Customer Financing

Money is now a quick easy business resource because of finance tech.

Ask to see a short term loan strategy with same day funding.
100% online. No hidden costs or surprises. Fast, easy & secure. No collateral.

- for example only -

      Take advantage of a streamlined application process and superior customer service. Don’t waste time going from bank to bank. Advanced software matches your business with the bank in the network most likely to fund. It's much faster.

Term loans from banks in the network are generally faster to fund and require less documentation than a traditional SBA 7(a) loan. The 2-5-year term gives businesses an affordable low monthly payment. 

Details include:

• $30,000 to $500,000 loan amounts
• Wide use of funds 
• 2 – 5 year repayment terms
• Fixed interest rates as low as 7.99%
• Monthly payments
• No pre-payment penalties

     A term loan application consists of a basic business loan package (tax return, bank statements, debt schedule, financial statements). The underwriting team analyzes applications quickly before submitting to a lender through a bank-enabling technology platform -- the #1 online source for SBA loans under $350,000.

     Once the loan request is sent to a partner bank where we know it qualifies, loans can close in 5-7 business days.

• Multiple lenders offer a variety of loan products to meet each business’ unique financing needs.
• Term loans are fully amortized and carry no prepayment penalties.
• Bank term loans can refinance personal credit cards and personal debts used for business. Credit cards can remain open after payoff.
• Clients may receive competing offers with different terms and can choose the best solution.
• Banks build relationships with small businesses and are excellent resources for future financing. 

 

Expand and grow with confidence

Please call me today and compare finance strategies to stay competitive.

(415) 484.8661   I do not charge fees.

 

Access all kinds of money

Online SBA (7a) & Bank Loans  •  Flexible Short Term Loans & Advances
Quick Private Money  •  Unsecured Business Funding  •  Non-bank Lending
Fully Integrated Omni-Channel Commerce Payments Platform
Real Time Settlement of Merchant Funds 24/7  •  Simplified Pricing
 Lines of Credit  •  Equipment Financing  •  Customer Financing
SBA Commercial Real Estate Loans

responsible straight-forward ethical business practices that put people first


this professional website does not advertise products or sell services -- no fees

 

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EXAMPLES ONLY
this professional website does not advertise products or sell services -- no fees

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- examples only-

Business Loans

 

- examples only -

Expand and grow with confidence
Please call me today to compare finance.

(415) 484.8661   I do not charge fees.

Money is now a convenient business resource because of finance tech.

Quick SBA Business Loans

- examples only -

Why take out a SBA business loan?

It’s tough to beat the low cost rates and long repayment terms of a working capital SBA loan. However, the traditional process of applying directly at a bank can be quite cumbersome and often results in a 'no'. We changed that. We make it easy for you to apply for a working capital SBA loan and our online marketplace helps get you to a 'yes' because we match your business with the lender most likely to fund your loan. You can use the funds in a variety of ways:

• Purchase equipment
• Increase inventory
• Add marketing programs
• Operating expenses
• Hire additional staff
• Refinance high-interest debt, saving you hundreds or even thousands per month

Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.

 

Consolidate or Refinance

Why Refinance with a SBA loan?

Refinancing existing debt with a low-cost SBA consolidation loan is an important step to take if you want to expand and save big. Large or frequent payments can make it difficult to run day-to-day business operations. Additional funds may be used for working capital to help your business expand.

SBA debt consolidation loans can be used to refinance:

• Merchant Cash Advances
• Short-term Business Loans
• High Interest Funding
• Daily or Weekly Payment Loans
• Business Credit Cards

Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.

 

SBA Commercial Real Estate Loans

Purchase or Refinance Commercial Real Estate

With 25-year terms and interest rates ranging from 6.25% to 7.50%*, SBA 7(a) loans are a great option for small businesses looking to refinance an existing commercial real estate mortgage, buy an office building or other owner-occupied commercial space. The rent replacement option with minimal down payment, offered by our preferred SBA lending banks, lets you keep more of your cash to invest in growing your business.

 

Pre-qualify for an SBA 7(a) Commercial Real Estate Loan

Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you prequalify for an SBA commercial real estate loan from $500,000 to $5 million.

  

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 - not available from traditional sources -

  - examples-

Short Term Money

flexible terms and repayment options

 

 

 

responsible straight-forward ethical business practices that put people first
this professional website does not advertise products or sell services -- no fees

 

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- not available from traditional resellers -

  - examples only - 

Payments Platforms

Fully Integrated Efficiencies Everywhere

Omni-Channel Commerce Payments Platform & Customer Experience

5% revenue lift.  15% reduction in chargebacks.  12% reduction in debit card fees.

Higher conversion rates.  Improved authorization & acceptance of all payment methods.

SmallBusinessReports.org

Small Business Reports
business journal for business owners

 

 

Reliable low-cost smart point-of-sale business management for payments, inventory, pricing & discounts, sales tax, employees, marketing, loyalty, robust reporting, and remote access office for better informed decisions and increased efficiency.

 

Below are examples from 2020

 

 

 

 

- examples only - from 2020 -

Everything changed because of powerful finance tech platforms for security, service, and cost.
    Free up time with reliable smart point-of-sale tools to run more efficiently and make smarter decisions.

Special Report Product Review       Reliable Point-of-Sale Tools      

 

 

 

 

  - examples only -

 

 

- examples only -
 

 

 

 

 

 

 

 

 

- examples only -

responsible straight-forward ethical business practices that put people first
this professional website does not advertise products or sell services -- no fees

Customer Financing
mobile, contactless, easy, paperless. larger approvals, fewer declines, 100% digital

not available from traditional sources

Smart point-of-sale digital customer financing boosts revenue

this professional website does not advertise products or sell services -- no fees

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