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phildoyle.com

PHIL DOYLE
capital strategies

(415) 484.8661

business finance since 1988
helping businesses stay competitive™



  
 responsible straight-forward ethical business practices that put people first

Business Lending  •  Payments Platform  •  Customer Financing

How's your business?

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

I have a business finance agency.  We help businesses stay competitive.  It's based on my 30+ years in business lending, payments platforms, and customer financing.      As an independent finance agency, we represent the #1 leaders (oldest, biggest, fastest, superior finance tech) in all three areas of business finance.  We have financed thousands of businesses like yours in most industries. We also help retain customers and improve cash flow.      Working with us is the same as working directly with the source —only better because often we can make things happen quicker. We do not add fees or commissions to the cost of money.      Phil Doyle professional resume at bottom of page

"Call me today to see a competitive finance strategy."



Expand and grow with confidence

#1 for Online SBA & Bank Loans and Flexible Short Term Loans
#1 Payments Platform in the World
#1 for Digital Customer Financing



Access all kinds of money quickly

Online SBA (7a) & Bank Loans  •  Flexible Short Term Loans & Advances
Quick Private Money  •  Unsecured Business Funding  •  Non-bank Lending
Fully Integrated Omni-Channel Digital 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

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 and OMNI-CHANNEL DIGITAL COMMERCE

Payments & Finance Tech fuel the new 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 professional resume at bottom of page "Please call me today for a competitive finance strategy."      As an independent finance agency for the #1 leaders (oldest, biggest, fastest, superior finance tech) in all three areas of business finance, 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 fast because of superior finance tech.

How Commerce Has Changed Forever

Omni-Channel Digital Commerce Payments Platform

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

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

SOURCE:

SmallBusinessReports.org

Small Business Reports
business journal for business owners

Stay Competitive in the 2020's

Golden Era of Business Finance & Access to Capital UCLA Quarterly Forecast (09/29/2021)   California began recovering later than some other states because of its stricter public health measures, but those interventions will mean the state rebounds faster than the nation over the next three years, UCLA economists Jerry Nickelsburg and Leila Bengali suggest. https://www.latimes.com/business/story/2021-09-29/la-fi-california-economy-ucla-forecast-september-2021 U.S. Covid Recovery Spreads as Prospects Improve in 47 States (09/29/2021) (Bloomberg) -- The U.S. recovery from the latest Covid-19 wave is taking hold across the country, with cases dropping or poised to start falling in the vast majority of states. https://www.msn.com/en-us/money/markets/us-covid-recovery-spreads-as-prospects-improve-in-47-states/ar-AAOXxYj

click to play - scroll down for complete report below

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

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



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 for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to serve new and existing customers 24/7, any screen, 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.

Online Business Lending • Cloud Payments Platform • Digital Customer Financing

Let's talk and compare finance.
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.  We help businesses stay competitive.  It's based on my 30+ years in business lending, payments platforms, and customer financing.       What will you need for operations, expansion, or refinance?      Expand and grow with confidence.  Access all kinds of money:           #1 for Online SBA and Bank Loans & Flexible Short Term Loans           #1 Payments Platform in the World           #1 for Digital Customer Financing         We are trusted finance tech leaders - oldest, biggest, fastest - in all three areas of business finance with superior security, service, and pricing.  We have financed  thousands of businesses like yours in most industries.  We also help retain customers and improve cash flow.  Call me today to see a competitive finance strategy.       The key to staying competitive is superior finance tech & payments.  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.  We do not charge fees or add commissions. Business Lending   — SBA & bank loans, equipment financing, flexible short term loans    Q:  What will you need for expansion, operations, or refinance? Q: What's next?   Call me to see a non-bank short-term loan strategy with next day funding.        Payments Platform  — Omni-channel commerce, real time settlement, simplified pricing    Q:  What percent of sales is digital with customer data for targeted incentives? Q:  How do you use your customer data for individual marketing to retain customers?                  Customer Financing  — Boost sales with the right consumer lender    Q:  What percent of sales is from digital customer financing? Q:  How do you offer customers payment options to finance their purchase?        Payments & Finance Tech fuel the new Marketing & Management How Commerce Changed Forever to Help Retain Customers & Improve Cash Flow      Smart Omni-Channel Digital Commerce Customer Experience 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 Ways Businesses Can Dodge Loan Scams and Predatory Lenders      Capital is now a convenient business resource because of superior finance tech. SmallBusinessReports.org -- Small Business Reports  --  business journal for business owners Stay competitive in the 2020's.   How's your business?     Let's talk and compare finance. Phil Doyle   capital strategies     business finance since 1988 phildoyle.com   (415) 484.8661    helping businesses stay competitive™ Online Business Lending  •  Cloud Payments Platform  •  Digital Customer Financing Please call me today to see 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 talk and compare finance strategies to stay competitive. We have helped thousands of businesses like yours over the past 30+ years. Please call me today. I do not charge fees. (415) 484-8661 Expand and grow with confidence. 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 Digital 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 We eliminate resellers 100% online. Easy, quick and safe. responsible straight-forward ethical business practices that put people first

REINVENT SMARTER

Today's finance leaders advanced 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 the 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 digital commerce."

Let's talk and 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 trusted finance leaders.
 

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The starting point for better customer retention, improved cash flow, omni-channel digital 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 talk and 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.

responsible straight-forward ethical business practices that put people first

Online Business Lending • Cloud Payments Platform • Digital 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.

I do not charge fees. We eliminate resellers.

responsible straight-forward ethical business practices that put people first

What's your strategy?
 

Let's talk and 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 (7a) & Bank Loans  •  Flexible Short Term Loans & Advances
Quick Private Money  •  Unsecured Business Funding  •  Non-bank Lending
Fully Integrated Omni-Channel Digital 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

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 next day funding.
100% online. No hidden costs or surprises. Easy, fast & safe. No collateral.

Innovation is Vital to Stay Competitive

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

Online Business Lending  •  Cloud Payments Platform  •  Digital Customer Financing

Who helps you stay competitive in all three areas of small 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 business finance solutions.

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

responsible straight-forward ethical business practices that put people first
this professional site does not advertise products or sell 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.

Online Business Lending   •   Cloud Payments Platform   •   Digital 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.
 

A business either grows or dies, just like a plant.

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

A fully integrated Digital Commerce Payments Platform Customer Experience with digital store is an immediate profit center with secure cloud-hosted smart point-of-sale business managment for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to serve new and existing 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 Digital 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 -

* cost depends on loan term and the applicant's credit and financials.

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 Digital 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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