Phil Doyle

Phil Doyle
business finance

capital strategies since 1988

phildoyle.net (415) 484-8661

How's your business?

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

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

Hello Business Owner,

A Finance Performance Package can boost revenue and accelerate growth
—both in good times and slower downturns.

I have 30 years in business funding, customer payments, and customer financing.
When those three separate parts are tuned as one precision finance motor, some
businesses increase revenue 30% —without spending money.

Everything changed in 2019 because of finance tech —security, service, point-of-sale tools.
New leaders eliminate resellers after several multi-billion dollar mergers.

A Finance Performance Package turns three separate parts into one efficent machine:

Business Funding —quick SBA business loans, new bank term loans, short-term working capital
1. How much money could you use for expansion, operations, or refinancing?

Customer Payments —reliable point-of-sale business tools eliminate resellers and free up time
2. How long have you been with your payments processor - over a year?

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

SOURCE: Small Business Reports .. SmallBusinessReports.org
"Are all three areas of your business finance aligned for efficient growth?

Finance is the engine of a business. New point-of-sale tools make it run better.
Falling behind now can cost lost business from loss of customer trust.

I can help you align business funding, customer payments, and customer financing
to increase revenue, eliminate costs, compete more effectively ...and free up time.

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

How's your business? Can you talk finance?

Phil Doyle
business finance
capital strategies since 1988

(415) 484-8661
phildoyle.net

responsible straight-forward ethical business practices that put people first

Efficient Growth

Efficient growth is ethical, sustainable long-term,
and organic—without wasting time or money.

It's good for people, businesses, and communities.
Small businesses boost efficient growth three ways.

Business Funding
Customer Payments
Customer Financing

Who can you trust for business funding, customer payments, and customer financing?
click here for the Special Report

Once upon a time, local bankers provided small business loans and credit card processing ─and customer financing for 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

Only about 20% of small business owners trust Internet search for business finance. They tend to be younger businesses with owners that have time to search online (or respond to email offers), and then decide or guess which website to trust, and apply on a web form for smaller funding amounts.

Fortunately for small businesses that plan to expand, the local banker is being replaced by the business finance agency for business funding, customer payments, and customer financing. A business finance agency is equal parts personal relationship and finance tools with trusted proven sources based on experience.

Business finance agencies are new and small, and they may not be found easily onlne by searching because they do not want to be crushed by crowds of unqualified applicants. So they can be difficult to find.

What is 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 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: SmallBusinessReports.org

NOTE: About ten days after the article above was published, the Business Roundtable —a US coalition of 181 powerful CEOs— announced that CEOs need to rethink the meaning of shareholder value. Maximizing profit for shareholders, long seen as a corporation's main function, can no longer be the primary goal.

The Business Roundtable called on investors to also "support companies that build long-term value by investing in their employees and communities."

Corporations, the executives wrote, should have a broader group of stakeholders including customers, employees, suppliers, and communities, as well as a long view of benefit for shareholders.

complete news release:

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

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

- examples only-

Customer Financing

- not available from traditional sources -

Point-of-sale financing boosts revenue

SOURCE: SmallBusinessReports.org

- examples only-

Business Funding

- 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

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.net does not advertise products or sell services --no fees

- not available from traditional resellers -

- examples only -

Customer Payments
with Point-of-Sale Business Tools

Customer payments integrated 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 faster decisions to make your business run better ...and free up time

The old resellers cannot keep up with new finance tech security, service and tools from the new industry leaders.
Free up hours with reliable low-cost 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 -

SOURCE: SmallBusinessReports.org

- examples only -

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

Phil Doyle
business finance

capital strategies since 1988

phildoyle.net (415) 484-8661

straight-forward ethical business practices that put people first

PROFESSIONAL:

Capital strategies for business finance since 1988

Business funding, customer payments, and customer financing

BUSINESS:

Started, financed, expanded 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;

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 - the first video store with all VHS, no Beta, no porn

MARKETING:

Created and implemented growth strategies to increase advertising revenue - print and online - 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 Tahoe World newspaper in Tahoe City CA

B.S. Business Administration / 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.net (415) 484-8661

responsible straight-forward ethical business practices that put people first

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