phildoyle.com

PHIL DOYLE
 business finance

(415) 484-8661

capital strategies since 1988

Business Lending  •  Customer Payments  •  Customer Financing


How's your business?


 45% of business owners say innovation is critical to staying competitive

 A growing number of businesses are recognizing that they must embrace innovation
if they want to retain and attract customers in the digital age:

Customer Financing  •  Customer Payments
 SBA Business Loans  •  Bank Term Loans
Short Term Working Capital


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

 

Hello Business Owner,  

     I have thirty years in business lending, customer payments, and customer financing.
Businesses accelerate when those three finance wheels are in alignment.

     Businesses boost revenue 20% —without spending money— because they have
the right finance sources.

     The new leaders in all three areas of business finance are unfamiliar names to business owners. They are among the largest tech companies after multi-billion dollar mergers. They eliminate resellers and cut costs, providing small businesses with superior security, service, and smart tools.

   

A Finance Performance Inspection is three fast questions:
Business Lending   —SBA business loans, bank term loans, short-term working capital
         1.  How much money could you use for expansion, operations, or refinancing?

Customer Payments   —smart point-of-sale tools eliminate resellers and free up time
         2.  How long have you been with your payment services provider - over a year? 

Customer Financing   —easy point-of-sale competitive advantage boosts revenue
         3.  What percent of your sales is from customer financing?

Who steers all your business finance in the same direction, driving reliable results?

SOURCE:     Small Business Reports     SmallBusinessReports.org 

 

          Finance lubricates the engine of a business, and smart tools make it run better.
Falling behind now can cost lost business from loss of customer trust. 

          I do not advertise products.  I do not charge fees.


How's your business?         Please call me to compare finance.

Phil Doyle
business finance
capital strategies since 1988

(415) 484-8661
phildoyle.com

responsible straight-forward ethical business practices that put people first
 


Investing in Main Street Act of 2019

"I support two bills in the US Senate, S. 1994 and HR. 116,
to expand access to capital available for small businesses."

click here for Special Report


SOURCE:   SmallBusinessReports.org

 

Business Lending

Federal Reserve Small Business Credit Survey 2019
a wide variety of information on small business financing in the U.S.  click here


Smart Point-of-Sale Business Tools with Customer Payments

Accelerating Automotive into the Digital Future
 There's mounting pressure in the automotive industry to transform from mechanical-centric into software-defined vehicles. Manufacturers and suppliers will have to implement innovative software-based solutions to stay relevant and to keep up with consumers’ expectations.  click here

Customer Financing at Point-of-Sale

U.S. consumers' access to credit worse than previously thought: Fed study
 As many as 60 million Americans tend to have a hard time qualifying for credit cards,
according to a report released by the New York Federal Reserve.  click here

 

 

Business Finance

Business Lending  •  Customer Payments  •  Customer Financing

   
          

innovative capital strategies since 1988

New finance leaders eliminate resellers and provide businesses with smart point-of-sale tools for reliable easy customer financing, customer payments, inventory management, pricing & discounts, sales tax, employee management, and a robust cloud office for powerful reporting to run your business more efficiently and make smarter decisions faster. 

 

responsible straight-forward ethical business practices that put people first

 

 

- Special Report -

SOURCE:  SmallBusinessReports.org


How many sales reps does it take for all your business finance?

How well do they know your business? 

Do they all work together toward your goals?  

 

Who can you trust for all your business finance?

     Once upon a time, local bankers provided small business loans and credit card processing ─and customer financing for the larger companies.  Your local banker probably knew you.

     Today ─since 2008─ local banks mainly provide business checking and business credit cards. And they are resellers for payment card processors that now offer competitive direct accounts to merchants. Local branches continue to shrink in favor of online banking. And it doesn't matter if your banker knows you.

     Banks decline roughly 75% of small business loan applications under a million dollars because they are not profitable, while most small businesses are applying for amounts from $25,000 to $250,000.

     Yet, 45% of small businesses plan to finance their expansion in the second half of 2019.  -  Pepperdine University - Graziadio Business School - July 2019


SOURCE:  Small Business Reports

click here for the complete report

 


Responsible Capitalism

The prevailing concept of corporate purpose needs an update.

     A business does not exist purely to make a financial profit.  Nor does it exist solely for the benefit of its executives or shareholders.  Responsible Capitalism recognises the synergistic value of addressing the needs of the entire ecosystem in which the business operates. 

     Henry Ford said,
“The business has to grow and make a profit, otherwise it will die. But if you try to run a business solely on profit, then it will also die because it will not have any reason to be."

      Milton Friedman said,
"The only corporate social responsibility a company has is to maximize its profits.”   -1976 Nobel Memorial Prize in Economic Sciences


     Responsible capitalism is a necessary remedy for the kind of corporate overreach that has led to nationalist, populist, and anti-globalist movements. Without a more earnest effort by major companies and investors to broaden prosperity and quality of life there will be more backlash against free enterprise, more authoritarian governments, more arbitrary regulation of companies and markets, and ever more stringent restrictions on free trade.

SOURCE:  https://www.apnews.com/51fce49eac4a4312b93968c7370f3430

 SmallBusinessReports.org 


phildoyle.com  does not advertise products or sell services --no fees

responsible straight-forward ethical business practices that put people first



- examples only-

Customer Financing

- not available from traditional sources -

 

Smart point-of-sale customer financing boosts revenue


SOURCE:   SmallBusinessReports.org

 

 


 

 

 

     

 

 

- examples only-

Business Lending

- not available from traditional sources -

 

- examples only -

  • non-SBA bank term loan
  • $30,000 to $200,000 loan amounts
  • 2 to 5 years repayment terms
  • Fixed interest rate from 5.99% to 24.99%*
  • Monthly repayments
  • No pre-payment penalties
* Interest rate depends on loan term and the applicant's credit and financial profile.

 


Quick SBA Business Loans

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

 

 

 

phildoyle.com  does not advertise products or sell services --no fees

responsible straight-forward ethical business practices that put people first
 


 

- not available from traditional resellers -

  - examples only - 

Customer Payments
with Smart Point-of-Sale Business Tools

Customer payments with reliable low-cost point-of-sale business tools for inventory management, pricing & discounts, sales tax & reports, employee management, and a robust remote office from any browser with powerful reporting for smarter decisions to make your business run better for efficient growth  ...and free up time

Everything changed because of finance tech 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       Reliable Point-of-Sale Business Tools       SmallBusinessReports.org/POStools.html

 

 

 

 


SOURCE:   SmallBusinessReports.org

  - examples only -


 

 

- examples only -
 

 

 

 

SOURCE:   SmallBusinessReports.org

 

 

 

 

- examples only -

phildoyle.com  does not advertise products or sell services --no fees

responsible straight-forward ethical business practices that put people first

 
   

 

PHIL DOYLE
 business finance

capital strategies since 1988

phildoyle.com    (415) 484-8661

responsible straight-forward ethical business practices that put people first

 

      

      

 

PROFESSIONAL:

Business Finance Advisor  -  capital strategies since 1988

100% focused on business lending, customer payments, and customer financing

   

BUSINESS:

Started, financed, managed and sold three pioneering video companies: 

BrainwareTV - first-ever online streaming video rentals -- over 1,000 business training programs in 21 languages with business customers in 80+ countries - opened a global digital market for video producers wary of copyright theft from shipping physical video products

Video Guide® - the first home video family entertainment print magazine with Hollywood movie advertising - distributed nationally through local video stores

Dimensions in Video - the largest family entertainment video store in northern California as the home video industry grew from 12% of homes to 100% saturation


MARKETING:

Created and implemented efficient growth strategies to increase advertising revenue - print and digital - for 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 consumer newspaper Tahoe World in Tahoe City CA

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

  

PASSIONATE:

Skiing deep powder and steep Spring snow

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

Long distance solo bicycle touring
   Vancouver BC to San Diego CA - Hwy 1
   New Orleans (freighter) to Casablanca Morocco to Ardal Norway
   Ft Bragg CA to Victoria BC - Hwy 1

Back Roads off the beaten track to parts unknown - and back
   Tahoe City CA to Homer Alaska - Travelall 4WD (International Harvester)  
   Tahoe City CA to Cabo San Lucas Baja and Cancun Mexico - Willys Wagon 4WD
   Tahoe City CA to Nelson BC Canada to Taos New Mexico - winter - Jeepster Commando 4WD

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

 


VALUES & INTEGRITY:

We become what we think about

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

Never never never quit!  Change, but don't quit.

What if?

 

 

 

PHIL DOYLE
 business finance

capital strategies since 1988
 phildoyle.com    (415) 484-8661

Short Term Working Capital
 Customer Financing at Point-of-Sale
Customer Payments with Smart Point-of-Sale Tools
SBA Business Loans & Bank Term Loans

responsible straight-forward ethical business practices that put people first

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

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