desktop site -- best viewed on a wide screen
This site does not sell products or services, track viewers, or collect data.

phildoyle.com



PHIL DOYLE
capital strategies

(415) 484.8661

business finance since 1988
helping businesses stay competitive


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

responsible straight-forward ethical business practices that put people first

 



How's your business?


Phil Doyle business resume at bottom of page



What do you need for operations, expansion, or refinance?
   
 
   
  I own a business finance agency.  It is based on my 30+ years in business lending, payments solutions, and customer financing.
  We help businesses stay competitive. 

     We represent the #1 leaders - oldest, biggest, fastest, the best finance tech - with superior security, service, and pricing in all three areas of business finance. We build genuine business relationships with trust-worthy people and reliable companies.

     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 capital.

See "Omni-Channel Commerce Letter" at bottom of page








Expand and grow with confidence

#1 for Online SBA / Bank Loans & Flexible Short Term Loans
#1 Payments Platform in the World — Omni-Channel Commerce
#1 for Digital Customer Financing

   


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

Phil Doyle professional resume at bottom of page

Please call me today for a competitive finance strategy.

(415) 484.8661

 



TWO SPECIAL REPORTS



Smart Insights for a New Future — 2021 SMB PACE Report  - secure pdf


Gaining Lift from the Consumer Shift — CMO Council 2021  - secure pdf

click for Special Reports

SmallBusinessReports.org

Small Business Reports
business journal for business owners







    
Omni-Channel Commerce is to POS Systems & Terminals what Smart Phones were to Flip Phones, what Windows was to DOS, and what Google was to the Yellow Pages.

      Is your customer and purchase data from every transaction—from all sales channels—available in one place (the cloud) to manage payments, marketing, inventory, pricing & discounts, accounting, reporting and more to make better informed, faster business decisions that simplify operations, retain customers, and improve cash flow?

 

 

     Stay competitive, simplify operations, tighten security of customer information, and consolidate POS management (payments, inventory, pricing & discounts, sales tax, employees, targeted loyalty marketing, etc.) with omni-channel commerce & payments for robust reporting, higher customer retention, and improved cash flow.  Increase efficiency and performance with superior secure cloud subscription service and security—using your existing POS. 
(videos below)


     All that—and access to capital—from the business finance agency for the 2020's.




Access all kinds of money quickly



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

Online SBA / Bank Loans  •  Flexible Short Term Loans & Advances
Private Money
  •  Unsecured Business Funding  •  Non-bank Lending

Omni-Channel Commerce Payments Platform & 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.
We are not a lender or broker.




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

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.

(415) 484.8661

 
     As an independent finance agency for the #1 leaders (oldest, biggest, fastest, superior finance tech) and other finance 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 fast because of superior finance tech.



 

 


manufacturers & suppliers, distributors & wholesalers, retailers & services 

 



           

           
       
           
 
    
    

most business categories

 

 


How Commerce Has Changed Forever


 

Omni-Channel 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

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.



The key to staying competitive is superior finance tech from the #1 sources.
If you are not staying competitive, you already may be years behind.




Omni-Channel 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, customer data for individual marketing with targeted incentives, and integrated management efficiencies to simplify operations is your innovative payments platform.


 

 


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



A fully integrated payments platform with omni-channel commerce is an immediate profit center with secure cloud-hosted smart point-of-sale business managment across payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust 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 Commerce


click to play


click to play



click to play



 



What's next?

Compare your sources in all three areas of business finance.

Online Business Lending • Omni-Channel Commerce • 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.  It is based on my 30+ years in business lending, payments platforms, and customer financing.  We help businesses stay competitive.

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

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

          #1 for Online SBA / Bank Loans & Flexible Short Term Loans
          #1 Payments Platform in the World — Omni-Channel Commerce
          #1 for Digital Customer Financing   

     We are trusted leaders - oldest, biggest, fastest, the best finance tech - with superior security, service, and pricing in all three ares of business finance.  We have served  thousands of businesses like yours. 

     They stay competitive because of 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 do not charge fees or add commissions.  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 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 the best lender
   Q:  What percent of sales is from digital customer financing?
Q:  What payment options do you offer customers to finance their purchase?
  
    

Payments & Finance Tech
fuel the new Marketing & Management


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 machine learning transformed security, service, and pricing.

Four Ways Businesses Can 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


What will you need to 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

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 talk and compare finance.
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 Commerce Payments Platform & 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 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 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.
 


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

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 • Omni-Channel Commerce • 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.

 

We 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 & Bank Loans  •  Flexible Short Term Loans & Advances
Private Money  •  Unsecured Business Funding  •  Non-bank Lending

Omni-Channel Commerce Payments Platform & 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 next 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.

 

Online Business Lending  •  Omni-Channel Commerce  •  Digital 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.



Online Business Lending   •   Omni-Channel Commerce   •   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.
 

Businesses either grow or die, just like plants.

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

 






EXAMPLES ONLY
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

 


  


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

















































 

- 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.

  


 

 - 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

 



 

- 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

 




examples only - from 2020

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

 


 




PHIL DOYLE
capital strategies

business finance since 1988
helping businesses stay competitive

phildoyle.com    (415) 484.8661
  

   

        


 

 

PROFESSIONAL:


Smart Money
Omni-Channel Commerce
Business Lending  •  Payments Platforms  •  Customer Financing

•  business finance and capital strategies since 1988
•  helping businesses stay competitive™

Responsible straight-forward ethical business practices that put people first

   

BUSINESS:

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

Brainware.TV - 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 and professional 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 entertainment video store in northern California (Sacramento) during 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. It was a huge success.


MARKETING & ADVERTISING:

Created and implemented fast growth strategies for increasing 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 National College Marketing Competition, Beer Advertising Campaign

Created 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
   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

Back Roads off the beaten track to parts unknown - and back  (self-sufficient)
   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 every major resort - 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 auto around Mallorca, Balearic Islands, Spain 



MENTORS

Napolean Hill, W. Clement Stone, Earl Nightingale, Denis Waitley, Brian Tracy, 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?

What if?




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

 

Omni-Channel Commerce is to POS Systems & Terminals what Smart Phones were to Flip Phones, what Windows was to DOS, amd what Google was to the Yellow Pages.

 In your business, is the customer and purchase data from every transaction—from all sales channels—available instantly in one place (in the cloud) for reporting to manage payments, marketing, inventory, pricing/discounts, and accounting so you can make better informed decisions that simplify operations, retain customers, and improve cash flow? 

 

Omni-Channel Commerce Letter


Hello Business Owner,
     Just before the pandemic, three new payments platforms (originally known as credit card processors) emerged after multi-billion dollar acquisition deals of $20B, $23B, and $40B.

     They are: worldpay FIS, TSYS Global, and Fiserv.  If you are not with one of the leaders, you may be with a reseller—most businesses are.

     The payments industry always - until now - required small businesses (under 500 employees) to use a reseller (includes banks) for payments processing. All small businesses were with resellers, and many still are now.

     Because of superior finance tech, the three leaders now serve small businesses directly, worldwide.  It means many resellers are now obsolete because they lack the finance tech for security, data, and speed.

     We represent all three payments platforms as an independent business finance agency. They each have unique strengths, and they each have been leading the payments industry for around 40 years—from the beginning—at different times with earlier versions of their businesses and other names. They have constantly improved how payments are processed while moving massive amounts of money around the world for banks and institutions for decades.

     During the pandemic, these three new leaders all leaped forward about five years and released competitive new products, security, and services that had been in finance tech development for small businesses.

     For instance, programming in the cloud now is continually updated; it's not software on your terminal or POS, so you're always using the latest version for superior security, service, and speed.  Also, when your customer data and sales data are more visible and managed across your business with omni-channel commerce, you have more robust reporting for better informed decisions, stronger cost controls, and heightened performance with efficiences everywhere. 


      Compare your payments provider (security, service, cost) with one of the top three payments platforms that is best for your business.

     You will need a business finance agency to help you decide which of the three to choose. While you could approach each of the three yourself, and open your account directly with one of their sales people, you do not have time to learn and compare finance tech payments platforms or keep up as they continually evolve with advanced security, products and services.

     The cost is the same, either way.  We do not charge fees or add costs or commissions.  We are an independent agency, the business finance agency for the 2020's, more of a recruiter or business match-maker, not sales, so we focus 100% on assuring a great fit for all.  

     With us, you get an experienced professional full-time expert — free. 

     We are serious about helping you stay competitive, and we're committed to supporting your continued long-term business growth.

     Let's talk soon.      
 




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


Gaining Lift from the Consumer Shift — CMO Council
secure pdf

 

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PHIL DOYLE
capital strategies

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business finance since 1988

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