Phil Doyle
business finance

capital strategies since 1988

phildoyle.net    (415) 484-8661

Finance is the engine of a business.

Capital is the fuel.

business funding  •  customer payments  •  customer financing

—a three cylinder motor that drives revenue

 

  Many things contribute to business success, obviously,
but without access to capital a business can quickly fail.

responsible straight-forward ethical business practices that put people first
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."

If you agree, please say so.   Click here to see how.

 


Who can you trust for business funding, customer payments, and customer financing?

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

Today ─since 2008─ local banks mainly provide business checking and business credit cards. They are resellers for payment card processors that now offer merchants direct accounts, eliminating middleman costs. 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 for less than a million dollars because they are not profitable, while most small businesses are applying for under $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 have trusted Internet search results for business finance. They tend to be younger businesses with owners who have time to search online (or respond to an ad), decide or guess which website to trust, and apply on a digital form for small amounts.

Fortunately for the other 25% of small businesses, 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 tech with trusted sources based on experience. 

However, many business finance agencies are small and some 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 hard to find. You might need to know somebody who knows one.

click here for the special report


 

Hello Business Owner,    

     Can you talk finance tools?  ...because I have 30 years in business funding,
customer payments, and
customer financing  —a three cylinder motor that drives revenue.

      Some businesses boost revenue 20% to 30% without spending money
w
hen their finance motor is tuned as one precision machine, not three separate parts
.

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

   

A Finance Performance Inspection™  is three fast questions:


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 business tools free up time and eliminate resellers
         2.  How long have you been with your card 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 
Investing in Main Street Act of 2019  ..  "I support the two bills now in the US Senate, HR. 116 & S. 1994,
to expand access to capital available for small businesses."   If you agree, please say so.  

 

    Finance is the engine of a business, and the new the tools accelerate growth.
Falling behind now can cost lost business from loss of customer trust.
 

How many reps does it take for all your business finance?  more than one?

     I can help you leverage direct relationships with the new finance leaders to
increase revenue, eliminate costs, compete more effectively  ...and free up time. 

     I do not advertise products or sell services.  I do not charge fees.

 

How's your business?   Can you talk finance today? 

Phil Doyle
(415) 484-8661
phildoyle.net

business finance
capital strategies since 1988



   
          


capital strategies since 1988

Business Funding
Customer Payments
Customer Financing


responsible straight-forward ethical business practices that put people first

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

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

 

 

Venture Capital

Small Business Investment Company (SBIC)
SBA-backed long-term funding for high-risk fast-growth companies

$1 Million minimum

 

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 -


 

 

- 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:

Expertise in finance tech and point-of-sale tools for small businesses since 2010

Thirty years in small business funding, customer payments, and customer financing

Business finance ... capital strategies since 1988


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

 

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