|
desktop site -- best viewed on larger
screens
phildoyle.com
(415) 484.8661
business finance since 1988
responsible straight-forward ethical business practices that put people first
Business Lending • Payments Platforms •
Customer
Financing
We eliminate resellers.
Let's talk and compare finance.
|
Dear Business Owner, What will you need for operations, expansion, or refinance? Expand and grow with confidence. Access all kinds of money:
#1
Online SBA & Bank Loans and Flexible Short Term Loans
We are trusted finance tech leaders
-
oldest,
biggest, fastest - in all three areas of
business finance with superior security, service, and
pricing.
We help retain customers and improve cash
flow.
We eliminate resellers. We have
helped thousands of businesses like yours.
Payments
Platform —
Omni-channel commerce,
real time settlement,
simplified pricing
Customer Financing
— Boost sales with the right consumer lender
Four Ways Businesses Can
Dodge Loan Scams and Predatory Lenders
How's your business? Let's talk and compare finance.
 |
|
|
REINVENT SMARTER
Today's finance
leaders advanced
the ways businesses stay competitive.
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.
We have helped thousands of businesses like
yours over the past 30+ years.
The key to staying competitive is superior finance tech from trusted finance leaders.
experience,
superior security, service & pricing, customer data for individual marketing with targeted
incentives,
and integrated business 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.
|
We have helped thousands of businesses like
yours over the past 30+ years.
Payments Trends
How Commerce Has Changed Forever
Smarter Frictionless
Omni-channel 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.
Small Business Reports
— business journal for business owners
Online Business Lending • Cloud Payments Platform • Digital Customer Financing
We work with over a million merchants around the world
-- from local
stores to global enterprises.
We have decades of focus on payments
and customer financing.
Access one billion dollars of flexible private money
for
small business innovation and growth.
What's your strategy?
Let's talk and compare
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.
manufacturers, suppliers, distributors, wholesalers, retailers
Flexible Private Money
Fully Integrated
Digital
Innovation is Vital to Stay Competitive
100% committed to business finance.
No fees. No resellers.
Online Business Lending • Cloud Payments Platform • Digital Customer Financing
How many
sales reps does it take? How well do they know your business?
Do they work together as a team toward your goals?
Business owners do not have time to keep up
with fast-evolving
business finance
solutions.
Access all kinds of money. Expand and grow with confidence.
responsible straight-forward ethical business practices
that put people first
this professional
site does not
advertise products or sell services -- no fees
this
secure website does not track viewers or
collect data
How's your business?
Businesses
recognize they must embrace smart innovation
to
retain customers, improve cash flow ... and stay competitive
Online Business Lending • Cloud Payments Platform • Digital Customer Financing
Today's finance leaders advance the way businesses stay competitive with artificial intelligence and
machine learning to instantly interpret vast data
to confidently reduce risk, increase speed, and lower costs.
Small businesses are no longer required to use resellers because many
resellers lack security and speed.
Now, more than ever, it matters who
you're with.
We eliminate resellers.
EXAMPLES
click to
open the report:
"Closing
the Cash Flow Gap with Real Time Settlement 24/7"
Fully integrated omni-channel cloud payments platform for payments, inventory, pricing and discounts, sales tax, manage employees, target 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.
54% of small businesses across the U.S.
are at risk of financial difficulty.
-- Wall Street Journal
A fully integrated Payment Platform with online store is an immediate profit center with secure cloud-hosted smart point-of-sale business managment for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to serve new and existing customers 24/7, both retail and wholesale, both physical and digital on any screen anywhere.
- example only -
It's fast and easy to setup and run.
Click video above. "Fully Integrated Online 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
|
|
- for example only -
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.
- $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.
manufacturers, suppliers, distributors, wholesalers, retailers
most business categories
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.
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
Smarter Frictionless
Omni-channel 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.
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 smarter decisions and increased efficiency to grow -- and free up your time.
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
phildoyle.com (415) 484.8661
|
PROFESSIONAL: Business finance and capital strategies since 1988 .. helping businesses stay competitive
Online Business Lending -
Cloud Payments
Platforms - Digital Customer Financing
BUSINESS:
Started, financed, operated and sold three
pioneering, fast growth video companies. Dimensions
in Video - the largest family entertainment video store in northern
California 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 porn,
no equipment sales/rentals. They said it couldn't be done -- because it
had never been done.
B.S. Business Administration / Marketing & Advertising San Francisco State University
PASSIONATE:
Sailing Lake Tahoe, San Francisco Bay,
Pacific Ocean / Gulf of the Farallones Long distance solo/bicycle touring -
bikepacking Back Roads off the beaten track to parts
unknown - and back (self-sufficient) Grass Valley,
CA to San
Diego, CA - Highway 1 - Honda 750 Rode a Vespa
scooter from Nassau around New
Providence Island, Bahamas
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
phildoyle.com
business finance since 1988
helping businesses stay competitive™
responsible straight-forward ethical business practices
that put people first |
© copyright 2018-2021 phildoyle.net phildoyle.com All Rights Reserved