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phildoyle.com

PHIL DOYLE
capital strategies

helping businesses stay competitive since 1988


(415) 484-8661

FISglobal independent agent



responsible straight-forward ethical business practices that put people first



Capital Strategies  •  Fintech Payments Services  •  Customer Financing


How's your business?

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

How do you plan to stay competitive in the Digital 2020s?

 




Access all kinds of capital with competitive digital strategies:

Online Conventional Long Term Funding & Flexible Short Term Money
Omnichannel Global Commerce  •  Fintech Payments Services  •  Simplified Pricing

Real Time Settlement Merchant Funds 24/7  • 
Continuously Updated Predictive Security
 Lines of Credit  •  Equipment Financing  •  Customer Financing (BNPL) Buy Now Pay Later


Expand and grow with confidence.



 

 

Let's talk and get what you need.

 

Which of the following are most important to your business?


1. Absolute High Performance - simplified cash flow operations, reliable speed

2. Safety - Bank Security - continuously updated, predictive fraud protection

3. Customer Retention - target marketing using your data, low cost, effective

4. Customer Acquisition - gift card advertising, effective word-of-mouth, easy

5. Customer Financing - buy now pay later, boost sales

6. Business Funding - business loans & advances on demand, same day direct deposit

7. Robust Reporting - real time visibility and control of trends and opportunities

8. Fintech Payments - continuously updated programming, 1.5% transaction fee V MC

9. ALL OF THE ABOVE  (correct answer)
 

Most businesses have some of the above but it's in various places
or with third parties so all their sales data and customer information
seems scattered or inaccessible - offering no competitive advantage.

To stay competitive in the Digital 2020s, your data in all eight areas
must interact seamlessly all together in one easy safe place
in the fintech cloud with the #1 payments services provider.


Clients are surprised when the cost of powerful fintech payments services directly from the source
is about the same or less
than what they currently pay a reseller for a weaker competitive disadvantage.


 


To stay competitive in the 1960s:  "You need to accept credit cards to keep your customers."

In the 1980s:  "You need a computer with Windows to run your business."

In the 2000s:  "You need a smart phone with business apps to stay connected."

In the 2020s:  "Your cash flow operations, payments, and security need to interact in the fintech cloud."


 


Retain Customers.  Improve Cash Flow.  Simplify Operations.

  

       Small business owners have a positive outlook for their business in 2023 as revenue expectations continue to rise and expansion plans have sharply increased, according to Bank of America.

 

December 18, 2022
https://newsroom.bankofamerica.com/content/dam/newsroom/docs/2022/Women%20+%20Minority%20Business%20Owner%20Spotlight%20ADA.pdf

 


        

Two-thirds of small business owners expect revenue to increase in 2023 while more than half plan to expand their business.  They’re planning new marketing initiatives, implementing tech upgrades and spending their time and energy tackling operational challenges.



Payments modernization is quickly becoming a top priority for businesses72% of corporate executives say modernizing payments infrastructure — including the addition of new payment gateways and processing capabilities — could be groundbreaking for their businesses over the next three years. Thirty-seven percent of merchants agreed with this analysis, saying that they plan to make payment processing investments over the next year.


83% of business owners plan to obtain funding
for their business over the next 12 months.



Bank of America small business survey - December 18, 2022

 



 

 



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


Easily access all kinds of capital.




Online Conventional Long Term Funding
and Flexible Short Term Money


"We have all kinds of money for operations, expansion, or refinance."


Carefully consider your 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?





How do you plan to stay competitive in the Digital 2020s?

Run your cash flow operations with continuously updated

payments programming and predictive security in the fintech cloud.



 

Fintech Payments Services are to POS Terminals
what Smart Phones were to Flip Phones,
what Google was to the Yellow Pages,
and what Windows was to DOS.

 

 

 

Let's talk and get what you need.



 



Eight Essential Strategies for Staying Competitive in the Digital 2020s


-- all together and interacting in one easy safe place

see letter from Phil Doyle - below

compare checklist with your current sources

 

 




 Omnichannel Commerce  •  Fintech Payments Services  •  Simplified Pricing

Continuously Updated Predictive Security
 

     Clients average 5% increased revenue, 15% decreased chargebacks, and 12% reduced debit card fees -- with higher conversion rates, improved authorization, better acceptance of all payment methods, smarter use of sales data and customer information with continuously updated predictive bank security to protect customer information and cash flow operations data. Speed. Reliability.

    
Cash flow operations -- sales data, customer information, bank security, inventory control, business funding, loyalty rewards marketing, gift card advertising, targeted personalized promotions, digital store, shopcart, omnichannel commerce, customer financing, robust real-time reporting, and payments processing -- all need to interact seamlessly in one easy safe place in the fintech cloud for continuously updated predictive security, absolute high performance, efficient simplified operations -- and better use of your data to improve customer service and inform you of sales trends, growth opportunities, and problems.



"We add measurable value to clients' businesses in three ways;

increased customer retention, improved cash flow, and simplified operations.

We do not charge fees or add to costs."





PHIL DOYLE
capital strategies

helping businesses stay competitive since 1988

your independent agent in alliance with FIS




FINTECH THE FINANCE WORLD IS BUILT ON








FIS Ranks First in 2022 IDC FinTech Rankings

https://www.businesswire.com/news/home/20220912005124/en/  (FISglobal video)





FIS is to finance tech what Google is to information tech:

#1






We are three times larger than our closest competitor.

We support 95% of the world's leading banks.

We attract the best people.



 View two videos to discover why:


worldpay from FISglobal
click to view video

You do not need to contact sales online to request a phone call.
You already have me. I am your authorized FIS agent

Payments at the Speed of Light
 click to view video


Trusted by more than 1 million merchants globally




Clients are surprised when the cost of powerful fintech payments services directly from the source
is about the same or less
than what they currently pay a reseller for a weaker competitive disadvantage.
 









Access a trusted network of long term conventional lenders
and short term fintech sources
for operations, expansion, or refinance

 


Bank Security.  We support 95% of the world's leading banks.

 

 

 

Unlock your access to capital & lending sources

47% of business owners applied for non-bank loans in 2021

 


How's your business?


Phil Doyle resume at bottom of page

 Hello Business Owner,
   
I have an independent agency with a network of trusted conventional and private finance sources based on my 30+ years in business lending, payments services, and customer financing.  We help businesses stay competitive. 

     We do not charge fees or add to costs. 

    
We represent the #1 sources (safest, fastest, oldest, biggest) in all three areas of business finance.  We are 100% finance tech for digital safety, efficient simplicity, absolute high performance, low cost, and reliable speed with continuously updated payments programming and predictive security to protect customer information and sales data.

Let's talk to compare finance and get what you need,
 
PHIL DOYLE
capital strategies

helping businesses stay competitive since 1988
FISglobal independent agent
(415) 484-8661

 

Eight Essential Strategies for Staying Competitive
in the Digital 2020s -- all together and interacting
in one easy safe place

Look at payments, security, and cash flow operations in a different way for increased customer retention, improved cash flow, simplified operations -- and more:


1.  Absolute High Performance, superior visibility, and tighter controls with all your payments, security, and cash flow operations interacting in one easy safe place with all your sales data and customer information

2.  Bank Security provides safety for all your payments processing and cash flow operations to prevent fraud and chargebacks with continuously updated payments programming and predictive digital security to protect sales and customer data. We support 95% of the world's leading banks.

3.  Customer Retention with customer data targeted promotions, measurable results, low cost, easy effective marketing

4.  Customer Acquisition with targeted gift card marketing to existing customers for word-of-mouth referrals of friends and family  - easy effective low cost advertising

5.  Customer Financing through your payments processing  - not a third party - you keep your customer data -- low merchant cost -- Buy Now Pay Later  --  boost sales

6.  Business Funding on demand - based on revenue - same day funding direct deposit - faster more flexible than a Line of Credit - near instant access, larger offers, more attractive terms

7.  Robust Reporting of cash flow operations and payments -- sales data and customer information interact in real time to highlight trends and opportunities - and problems.  Superior visibility and control. Simplified operations.

8.  Fintech Payments Services
1.5% transaction fee -- our cost -- for network access fees - V MC
Bank security for your sales data and customer information
Completely new simplified payments pricing
Omnichannel global commerce
Continuously updated predictive security & payments programming


Look at Payments, Security, and Cash Flow Operations in a Different Way:
5% increased revenue
15% decreased chargebacks
12% reduced debit card fees
Higher conversion rates
Improved authorization & better acceptance of all payment methods


Cost
Clients are surprised when the cost of powerful fintech payments services directly from the source is about the same or less than what they currently pay a reseller for a weaker competitive disadvantage.

Compare with your current sources.

Payments services and cash flow operations need to interact in the fintech cloud.

 


You may choose to contact a sales employee directy at our trusted online business finance sources, but your cost will be the same, and you would miss out on other ways we add value to clients' businesses to help them stay competitive.  Clients often receive larger offers and more attractive terms when we are involved to help compare finance, and we make things happen faster most of the time.

If you search the Internet for finance tech, cloud payments or online funding, you might not know if you can trust what you find. 

 




 
"Fintech Payments Services are to POS Terminals
what Smart Phones were to Flip Phones,

what Google was to the Yellow Pages,
and what Windows was to DOS."

 

 






Trusted by more than 1 million merchants globally

 

 

 

 

 

 

 

We support 95% of the world's leading banks.

 We have decades of experience securely moving payments and vast sums
around the globe for banks and large companies.  Because of finance tech,
we now serve small businesses directly -- resellers no longer required.

 

Global enterprises and major banks have trusted FIS for 50 years.
FISglobal.com    (new name after two oldest biggest leaders merged) 
See how worldpay from FISglobal helps small businesss stay competitive.

 

 

 

Look at your Payments, Security & Cash Flow Operations in a Different Way

5% increased revenue  ..  15% decreased chargebacks  ..  12% reduced debit card fees
Higher conversion rates .. Improved authorization & better acceptance of all payment methods



Clients are surprised when the cost of powerful fintech payments directly from the source
is about the same or less
than what they currently pay a reseller for a weaker competitive disadvantage.


Your independent agent in alliance with FIS

Phil Doyle  (415) 484-8661


 



"If you are not staying competitive,
you already might be years behind."


 

 


The #1 finance sources now serve small businesses directly after decades of requiring costly resellers.  Access to capital has shifted and works very differently -- to your advantage in many ways including cost.

If your cash flow operations, payments, and security do not interact in the fintech cloud,
you may be with a reseller.  If you need to download updates to your POS, you are not in the fintech payments cloud.  Don't be the last one to move up.  We can help you today.

Resellers are being eliminated and replaced by independent business finance agencies.  Resellers are no longer required because of finance tech and payments tech.  Don't let a reseller hold back your performance and security. 

Today you need digital accounts directly with trusted finance sources. 






Welcome to the Digital 2020s.
Resellers are no longer required.
Are you with a reseller? ...or the reseller of a reseller?




We add value and invest time in clients' businesses in multiple ways. 


We help businesses retain customers, improve cash flow, and simplify operations -- with continuously updated predictive security to protect your business data and customer information. 

click to view two videos

You do not need to contact sales online to request a phone call.
You already have me. I am your authorized FIS agent.




Easily access all kinds of capital



 Capital Strategies • Fintech Payments Services • Customer Financing

 

Access all kinds of capital with competitive digital strategies



   
 
You may choose to contact a sales employee directy at our trusted online finance sources, but your cost will be the same, and you would miss out on other ways we add value to clients' businesses to help them stay competitive.  Clients often receive larger offers and more attractive terms when we are involved to help compare finance, and we can make things happen faster most of the time.

If you search the Internet for finance tech or payments or funding,
you might not know if you can trust what you find. 


Resellers are being eliminated and replaced with independent business finance agencies.





Compare your options.


Please call me today to compare strategies
and get what you need to stay competitive.

Your independent agent in alliance with FIS,
Phil Doyle  (415) 484-8661



 







"We believe we're at the start of the Digital Roaring 2020s
—the greatest economic recovery in history
beginning now with small businesses.

Whether we are or not, how do you plan to stay competitive?"









all kinds of money for all kinds of businesses.


manufacturers & suppliers, distributors & wholesalers, retailers & services 


To stay competitive in the 1960s:  "You need to accept credit cards to keep your customers."

In the 1980s:  "You need a computer with Windows to run your business."

In the 2000s:  "You need a smart phone with business apps to stay connected."

In the 2020s:  "Cash flow operations, payments, and security need to interact in the fintech cloud." 

    

 


 

We add value and invest time
in clients' businesses in multiple ways. 



We help businesses retain customers, improve cash flow, and simplify operations -- with continuously updated predictive security to protect your sales data and customer information. 




Easily access all kinds of capital



Your independent agent in alliance with FIS,
Phil Doyle  (415) 484-8661





Let's talk and get what you need.

We can work together to solve your business goals.


No fees to apply.  No effect on your credit.
100% digital online.  Easy and quick.  Safe.



Compare worldpay from FISglobal designed specifically for your business.
Call me today. I am your independent agent for worldpay from FISglobal.



Global enterprises and major banks have trusted FIS for decades.
FISglobal.com    (new name after two oldest biggest leaders merged) 
Today, worldpay from FISglobal helps small businesss stay competitive.

No reseller required.



     We’re far more than payments processing.  Easy to use, proven effective and trusted, worldpay from FIS is a leading provider of finance technology solutions for businesses of all sizes and across any industry globally. With unmatched scale, flexible architecture, trusted innovation and absolute performance, we’re the recognized leader of emerging fintech that influence the payments ecosystem. 
 

 









 

 

It pays to offer flexibility.
Buy now, pay later gives your customers a budget-friendly way to pay.
And your business could see 50% higher average ticket sales
and 30% higher average conversion rates.

 

 


 

Businesses can now use their data to better understand and meet their customers' expectations thanks to smartphones, social media accounts, search history, and transaction data. While all this data is a treasure trove to leverage, it's also an important responsibility for a business to protect it.

Protecting customer data and privacy is one of the top three trends that will have the greatest impact on businesses.


Competitive highly secure high-performance strategies
specifically for your business operations, expansion or refinance


Retain Customers.  Improve Cash Flow. 
Simplify Operations.



5% increase in revenue   15% decrease in chargebacks   12% reduction in debit card fees
Higher conversion rates    Improved authorization & better acceptance of all payment methods





Do your payments and cash flow operations interact in the fintech cloud for efficient simplicity, continuously updated programming with predictive security, and precision high performance?

Cash flow operations -- sales data, customer information, inventory, loyalty marketing, gift card advertising, targeted personalized promotions, digital store, shopcart, omnichannel commerce, robust reporting, and payments processing -- all need to interact seamlessly in the fintech cloud for continuously updated predictive security, high performance, and efficient simplicity -- and better use of your real-time data to improve customer experience and better inform you of trends and opportunities faster and more clearly.



"We help businesses run their secure cash flow operation like a precision vehicle with a competitive high-performance engine."

 

As an independent agency, we may receive fees from trusted sources for recruiting and developing new clients with direct accounts at the source.  We assist as your agent to help you submit applications directly online, and as your professional expert guide we will advise and help you understand and compare offers so you can negotiate directly with sources.  My independent fintech agency receives a portion of the fixed cost of client acquisition which finance sources pay whether the new client comes from their sales employee or from an independent agency.

We do not "shop your deal around."  We do not add to costs; our clients often receive larger offers with more favorable terms.  Using us as their fintech agency, our clients enjoy clear benefits and competitive advantages -- at no extra cost.





 
Traditional resellers eliminated by finance tech



It costs nothing to use our knowledge, efficiency, experience, and business fintech sources.

We add value to our clients' businesses in multiple ways.

You will be in close contact with us and expert trusted sources regarding your direct account -- with us as your independent agent available anytime.  Your cost will be the same because we are an independent representative; we do not add to costs -- no fees, no hidden surprises.  Payments tech is not simple or self-service so you need a professional expert guide.  When you search online for business fintech services, you do not know if you can trust what you find.  Business owners do not have time to research sources because of constant innovation and fast change in fintech for access to capital
, payments tech, and customer financing.



 

 

Finance tech totally reinvented payments services.  

    
Fintech payments pricing is completely different now.  Resellers are no longer required.  Updates to your POS terminal are no longer needed. 

     Your cash flow operations -- customer information, sales data, digital store, shopcart, omnichannel commerce, reporting, rewards marketing, customer retention and payments processing -- all need to interact in one place in the fintech cloud for continuously updated predictive security & payments programming, high performance, and efficient simplicity -- and smarter use of your data.  High-performance precision cash flow operations with continuously updated payments security and programming are required  now to stay competitive in the Digital 2020s. It is low cost, probably about the same or less than you are paying now with a reseller.

The #1 sources in payments tech now serve small businesses directly  -- resellers no longer required or needed
     After several mega-billion dollar mergers ($20B to $43B), they are the oldest, largest companies - industry pioneers -  with unfamiliar new names.  We represent all three.  Accelerate growth and protect your business and customer information with smarter use of your data and security. 

    
If you are using a payments services reseller (if your payments programming and security reside on your POS equipment and require you to download and install updates periodically) you may have a big competitive disadvantage.  Cash flow operations, payments programming, and digital security need to interact in the fintech cloud for efficient simplicity,  high performance, and continuously updated predictive security for fraud protection.  Compare sources today. Stay competitive in the digital 2020s.

    
 

  Retain Customers.  Improve Cash Flow.  Simplify Operations.

competitive high-performance strategies
specifically for your operations, expansion, or refinance

5% increase in revenue ..15% decrease in chargebacks ..12% reduction in debit card fees
Higher conversion rates .. Improved authorization & better acceptance of all payment methods

 

Capital strategies specifically for your business.
No fees. No effect on your credit to apply.

Call me today.

Phil Doyle  capital strategies since 1988  (415) 484-8661






As ‘buy now, pay later’ plans grow, so do delinquencies

NEW YORK (AP) — Americans have grown fond of “buy now, pay later” services, but the “pay later” part is becoming increasingly difficult for some borrowers.

 

 


Four ways businesses can dodge loan scams and predatory lenders

1. BE WARY OF EXCESSIVE 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



 

We help businesses run their secure cash flow operations
like a precision vehicle with a competitive high-performance engine
.

Retain Customers.  Improve Cash Flow.  Simplify Operations.

Strategies specifically for your operations, expansion, and refinance.

No fees. No effect on your credit to apply,

Please call today.  (415) 484-8661

 





 

click for complete report - secure pdf
SmallBusinessReports.org

Small Business Reports
business journal for business owners


 






click to view short video








Fintech Payments

Turn customer transactions into smarter connected experiences

click for complete report  secure pdf








click for complete report
SmallBusinessReports.org

Small Business Reports
business journal for business owners







Retain Customers. Improve Cash Flow. Simplify Operations.

Fintech Payments / Omnichannel Commerce / Predictive Security

5% increase in revenue  •  15% decrease 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

Call me today for a competitive finance strategy.

(415) 484-8661

"Fintech Payments are to POS Terminals
what Smart Phones were to Flip Phones,

what Google was to the Yellow Pages,
and what Windows was to DOS."

      


 



Using Data Intelligently to Drive Business Outcomes

Smart Insights for a New Future — PACE Report

Gaining Lift from the Consumer Shift — CMO Council

click for Special Reports
- secure link -

SmallBusinessReports.org

Small Business Reports
business journal for business owners

 


 

 


manufacturers & suppliers, distributors & wholesalers, retailers & services 


           

           
       
           
 
    
    

most business categories

 

 


How Commerce Has Changed Forever


 

 Fintech Payments / Omnichannel Commerce

5% increase in revenue.  15% decrease 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 Digital 2020's


Golden Era of Fintech & Access to Capital



The key to staying competitive is leveraging fintech payments from the #1 sources.
If you are not staying competitive, you already may be years behind.



Omnichannel Commerce / Fintech Payments


click to play - scroll down for complete report below

     The starting point for better customer retention, improved cash flow, omnichannel payments, digital 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 fintech payments.


 

 


OMNICHANNEL COMMERCE
FINTECH PAYMENTS

Simplify operations, retain customers, and improve cash flow



Omnichannel digital commerce with fintech payments services powers 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."

Omnichannel Commerce


click to play


click to play



click to play



 


What sets us apart?



SMART MONEY

Fintech Payments & Omnichannel Commerce 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 company when it was a small family business.  It was built on genuinely authentic 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
Call me today for a competitive strategy.

(415) 484-8661



Do you go to a restaurant to cook your own meal?
Would you go to a website to arrange your own business finance strategy?
No. You need their experience, service, and speed for the best results.
 
     As an independent fintech agency representing the #1 sources (safest, fastest, biggest, oldest), we help businesses stay competitive and continue to support their growth.  We do not charge  fees or add to costs.  Resellers are no longer required. You will have a direct account. We will help you apply and compare costs and negotiate directly with trusted fintech sources as your expert guide and independent agent. It costs nothing to use our experience, and often our clients receive larger offers and more favorable terms.

     You will have a knowledgeable, competent business tech partner throughout every step of the process with innovative strategies, simplified pricing, competitive low cost, larger amounts, and more flexible terms. The application, underwriting, and funding are fast because of superior fintech.

 


What's next?

Compare your sources in all three areas of fintech.

 Capital Strategies • Fintech Payments • Customer Financing

Compare fintech strategies and get what you need.
We have helped thousands of businesses like yours.

 

      Is all your customer info and sales data from every transaction—from every sales channel—available and accessible all in one place with robust reporting to inform and manage payments processing, marketing, inventory, pricing & discounts, sales tax, accounting, and employees so you can make smarter decisions faster that simplify operations, retain customers, and improve cash flow? 

 

     Stay competitive with omnichannel fintech payments for superior security for your customer data, sales reporting, increased customer retention, and improved cash flow.  Increase efficiency and performance with superior service and security—with no reseller—using your existing POS hardware, if desired. 

 


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

 


 

examples only below - info not updated - for educational only


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

Example - Short-term non-bank finance 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.

 
EXAMPLES ONLY







 


Business owners say innovation
is vital to stay competitive.


   

Dear Business Owner, 
     I have an independent business finance agency based on my 30 years in capital strategies, payments services, and customer financing.  We help businesses stay competitive.  We do not charge fees or add to costs.  We represent the #1 sources (safest, fastest, biggest, oldest) in all three areas of business finance. 

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

     Access all kinds of capital easily. Expand and grow with confidence. 

          #1  Online Conventional Long Term Funding & Flexible Short Term Money
          #1  Fintech Payments / Omnichannel Commerce / Predictive Security
          #1  Digital Customer Financing   

     How do you plan to stay competitive in the Digital 2020s?    

     We are trusted leaders - oldest, safest, biggest, fastest - with superior finance tech for small businesses, continuously updated programming and predictive security, and simplified pricing in all three ares of business finance.  We have helped thousands of businesses like yours. 

     If you are not staying competitive with payments tech and fintech cloud cash flow operations, you already may be years behind with security, service, and pricing. Compare your sources for capital strategies, payments services, and customer financing. 


Business Fintech
   — Online long term funding & flexible short term money
   Q:  What do you need for expansion, operations, or refinance?
Q: What's next for your business?   Call me today for a competitive finance strategy.
      

Payments Tech  — Omnichannel commerce, real time settlement, simplified pricing
  
Q:  What percent of sales is 100% digital with customer data for target marketing?
Q:  How do you use your sales data for individual promotion incentives to retain customers?        
        

Digital Customer Financing  — Boost sales
   Q:  What percent of sales is from digital customer financing?
Q:  How do you offer customers financing for their purchases?
  
    

Fintech Payments & Omnichannel Commerce
Fuel the New Digital Marketing Management


Using Data Intelligently to Stay Competitive

Increase Customer Retention, Improve Cash Flow, and Simplify Operations
with Fintech Payments & Omnichannel Commerce

5% increase in revenue..15% decrease 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 now a safe convenient small business resource because of superior fintech.

SmallBusinessReports.org
Small Business Reports    business journal for business owners


Call me today to compare finance and get what you need.


How's your business?  


Phil Doyle   capital strategies since 1988
phildoyle.com   (415) 484-8661    
helping businesses stay competitive

Capital Strategies  •  Cloud Payments Tech  •  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 finance 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





Compare fintech strategies and 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 capital easily
.


Online Conventional Long Term Funding and Flexible Short Term Money
Omni-Channel Commerce  •  Payments Tech  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing



100% digital. Easy, quick and safe. Finance tech. Payments tech.

responsible straight-forward ethical business practices that put people first





REINVENT SMARTER

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

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

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

"Retain customers, improve cash flow, and simplify operations
with fintech payments and omnichannel commerce."



Compare fintech 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 to leverage
superior fintech from the #1 sources.
 


click to play

 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

Compare fintech 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


 

Capital Strategies • Fintech Payments • Customer Financing

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

We have decades of leadership in payments and customer financing.

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

 

We do not charge fees. We eliminate costly resellers.


responsible straight-forward ethical business practices that put people first





What's your finance strategy?
 


Let's compare fintech 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

Easily access all kinds of capital.

Online Conventional Long Term Funding and Flexible Short Term Money
OmniChannel Commerce  •   Payments Tech  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing


We eliminate resellers

Money is now a convenient small business resource because of superior fintech.

 


 



Innovation is Vital to Stay Competitive

100% committed to small businesses. 
No fees. No resellers.

 

Capital Strategies  •  Cloud Payments Tech  •  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?

Most business owners do not have time to learn and keep up with
fast-evolving fintech payments solutions, security, service, and pricing.

Expand and grow with confidence.  Access all kinds of capital easily.


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

this 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.



Capital Strategies  •  Fintech Payments  •  Customer Financing

Today's fintech 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.

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

We eliminate costly resellers.


EXAMPLES ONLY - INFORMATION BELOW IS NOT UPDATED - Educational purposes only


 

 

 

 


 

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

 

 

 

OmniChannel Commerce Fintech Payments & 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 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 resume does not sell or advertise products or services -- no fees

 






EXAMPLES ONLY

Finance Tech

Capital Strategies  •  Cloud Payments Tech  •  Customer Financing

Capital is now a quick easy resource  because of fintech.


EXAMPLES ONLY

- for example only - information not current - for educational purposes

      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:  - for example only

  • $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 finance technology platform -- the #1 online fintech 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 strategies.

(415) 484.8661   I do not charge fees.

 

Access capital easily

Online Long Term Funding & Flexible Short Term Money
Omnichannel Commerce & Fintech Payments
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing

responsible straight-forward ethical business practices that put people first

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

 


  


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




examples only

phildoyle.com is not a lender or broker or reseller






examples only








































 

- examples only- instructional information

FinTech Capital Strategies

 

- examples only -

Expand and grow with confidence
Please call me today to compare strategies

(415) 484.8661   I do not charge fees.

Money is now a convenient small business resource because of fintech.


Quick SBA Business Loans

- examples only - information not current - for educational purposes 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 Strategies

for example only - information not current - educational

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.

  


 

 

  - examples only - educational

Flexible 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

 



 

  - examples only - 

Fintech Payments

Fully Integrated Efficiencies and Continuously Updated Security


Omnichannel Commerce with Fintech Payments & Continuously Updated Security

5% increase in revenue.  15% decrease 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 fintech payments, inventory, pricing & discounts, sales tax, employees, target marketing, loyalty, robust reporting, and digital office for better informed decisions and efficient simplicity.

 

Below are examples from 2020

-- from the past.

Don't be stuck in the past!

 

Have you moved your cash flow operations to the fintech payments cloud?




















 





 

 

 



- 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

 




examples only - from 2020

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

not available from traditional sources

 

Smart fintech digital customer financing boosts revenue


 

 


 

 

 

     

 

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

 


 




PHIL DOYLE
capital strategies since 1988


helping businesses stay competitive

phildoyle.com    (415) 484.8661
  

 

   

        


 

 

PROFESSIONAL:


Independent FinTech Agency Representing the #1 Leaders in All Three Areas of Business Finance

Capital Strategies  •  Payments Tech  •  Customer Financing


Helping businesses stay competitive since 1988

Responsible straight-forward ethical business practices that put people first


BUSINESS:

Started, financed, operated, and sold three pioneering, fast growth video companies:

BrainwareTV - first-ever streaming online video rentals with Digital Rights to prevent piracy -- over 1,000 business training programs in 21 languages with online business customers in 80+ countries - Internet marketing exclusively - opened new digital global market for streaming video rentals for business skills training.

Video Guide® - the first US print magazine for video family home entertainment with major Hollywood studio movie advertising - distributed nationally through local video stores with their logo and coupons on the covers

Dimensions in Video - the largest family home entertainment video store in northern California (greater Sacramento market) during early home video industry growth from 12% of US homes to over 95% local market saturation - the first video store in the US with all-VHS (no Beta), no porn, no equipment sales/rentals.


MARKETING & ADVERTISING:

Created and implemented fast growth strategies for increased advertising revenue - print and digital - for five business journals in San Francisco Bay Area:  Computer World magazine; Electro Optical Systems Design magazine; North Bay Business Journal; East Bay Business Journal; Wine Country Business Journal  -- and weekly consumer newspaper Tahoe World in Tahoe City CA

B.S. Business Administration / Marketing & Advertising    San Francisco State University

1st Place College National Marketing Competition, Mexican Beer Advertising Campaign

Created local advertising base for the first school newspaper, Lassen College, Susanville, CA

1st Place: Veterans of Foreign Wars Essay Contest, "What it means to be an American" -- 4th grade


PASSIONATE:


Skiing deep Winter powder and steep Spring snow

Sailing Lake Tahoe, San Francisco Bay, Pacific Ocean / Gulf of the Farallones

Long distance solo/bicycle touring - bikepacking
   Vancouver BC to San Diego CA - Hwy 101 & 1 Pacific Coast (tail winds)
   New Orleans, Louisiana (freighter) to Casablanca, Morocco, Africa to Ardal, Norway
         via Spain, France, Germany, England, Wales, Ireland, and Scotland
   Ft Bragg CA to Victoria BC - Hwy 1 & 101 Pacific Coast (head winds)

Back Roads off the beaten track to parts unknown - and back  (self-sufficient travel)
   Tahoe City, CA to Homer, Alaska - IH Travelall 4WD
   Tahoe City, CA to Cancun, Mexico via Cabo San Lucas, Baja - Willys Wagon 4WD
   Tahoe City, CA to Nelson, BC to Taos, New Mexico - winter - skied the original resorts - Jeepster 4WD

    Grass Valley, CA to San Diego, CA - Highway 1   - Honda 750
    Grass Valley, CA to Glacier National Park, MT     - Triumph 650 Bonneville


Rode a Vespa scooter from Nassau around New Providence Island, Bahamas
Drove a Citroen car around Mallorca, Balearic Islands, Spain 



HOBBIES & INTERESTS

Travel:
Long distance independent adventure

Lifelong learning: 
History of money, finance, credit, lending


MENTORS

Napolean Hill, W. Clement Stone, Earl Nightingale, Zig Ziglar, Denis Waitley, Brian Tracy, Wayne Dyer, Jack Tenge, Jack Bogle, Warren Buffett, Charles Schwab


VALUES & INTEGRITY:

We become what we think about most

Think about what you want, not what you don't want

What does the person in front of you need or want?

Success comes to those who give more than they receive

Those who think it is permissible to tell white lies soon grow colorblind

You’ll never succeed beyond your wildest dreams unless you have some wild dreams

Do more than is required of you

Find yourself by losing yourself in service to your fellow human, your country and your God

No one was ever honored for what they received, only for what they gave

To thine own self be true. Be optimistic

What the superior person seeks is in himself; what the smaller person seeks is in others

By the work one knows the worker

What’s the most effective use of my time right now?

See yourself the way you want to become, not as you are

Just trying is a noisy way of not doing something

If we all worked on the assumption that what is accepted as true is really true, there would be little hope of advancement

My how people are different since I’ve changed

The most important force I have is what I say to myself and believe

Wisdom is a combination of truth and love

If honesty didn’t exist it likely would be invented as one of the best ways of becoming wealthy

Expect the best

A smooth sea never made a skillful mariner

Learn to see things as they really are, not as we think they are

High achievement always takes place in a framework of high expectations

No authority is higher than reality

Relentless positive repetitive self-talk changes our self image

The greatest strength one can have is intentional motivation

It’s not just what you know but what you do that counts

Refuse to quit.

What's next?

more inspirational quotes
https://phildoyle.com/more_quotes.pdf




Capital Strategies • Fintech Payments • Customer Financing

 

Fintech Payments are to POS
what Smart Phones were to Flip Phones,
what Windows was to DOS,
what Google was to the Yellow Pages.

 Is your cash flow operation, customer information, and sales data from every transaction—from all sales channels—available in real time all in one place for easy robust reporting to manage payments, digital marketing with personalized promotions, inventory, and pricing/discounts so you make better informed decisions quicker to take advantage of opportunites to retain customers, improve cash flow, and simplify operations?   

 




Smart Insights for a New Future — SMB PACE Report
secure pdf


Gaining Lift from the Consumer Shift — CMO Council
secure pdf



      Clients average 5% increase in revenue, 15% decrease in chargebacks, and 12% reduction in debit card fees -- with higher conversion rates, improved authorization, better acceptance of all payment methods, smarter use of business and customer data, and predictive continuously updated payments programming and security to protect your business data and customer information from fraud.





phildoyle.com

PHIL DOYLE
capital strategies

helping businesses stay competitive since 1988

(415) 484-8661

FISglobal independent agent

responsible straight-forward ethical business practices that put people first

Phil Doyle (phildoyle.com) is an independent agent for leading finance tech sources.
Phil Doyle is not a finance lender, broker, banker or magician.

This resume does not sell products or services or collect data or track visitors. No fees.

 

© copyright 2018-2023   phildoyle.com   Phil Doyle   All Rights Reserved