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phildoyle.com

(775) 300-7584

PHIL DOYLE
business finance

capital strategies since 1988


How's your business?

responsible straight-forward ethical business practices that put people first

 

SBA(7A) Business Loans  •  Bank Term Loans
Short Term Private Money  •  Lines of Credit
Customer Financing  •  Customer Payments
Equipment Financing

SBA Commercial Real Estate Loans

 

SBA Paycheck Protection Program

1.0%     two years     $10M max    2.5 times payroll
can be forgiven when used to keep employees and jobs

Instructions / Fact Sheet

Application
Download pdf
Open, Complete all fields, Sign and Save As

Email your signed pdf application to:
   phil@phildoyle.com

Please call first for current instructions.  (775) 505-4595



source SmallBusinessReports.org

Paycheck Protection Program Overview

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

The Paycheck Protection Program will be available through June 30, 2020.

Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Who Can Apply

This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by coronavirus/COVID-19.

Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries.

Small businesses in the hospitality and food industry with more than one location could also be eligible at the store and location level if the store employs less than 500 workers. This means each store location could be eligible.

How to Apply

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union,  and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Lenders may begin processing loan applications as soon as April 3, 2020.

Loan Details and Forgiveness

The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.  Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

This loan has a maturity of 2 years and an interest rate of 1.0%.


 

Hello Business Owner,  
     Have you applied for SBA Paycheck Protection Program? —do you need help with it?

     If you can't wait for SBA money, we can quickly fund a short term loan with early payoff
discount based on your unique business. Private money starts around 10% for 3 to 36 months.
Apply with no cost and no effect on your credit. Loan offers are valid 30 days.


    
I have a business finance agency and thirty years in business lending, customer payments,
and customer financing
with quick funding from fair, trusted sources. We represent reliable
leading sources in all three areas of business finance. They eliminate resellers, cut costs,
and provide businesses with superior service, security, and tools.  

     We have all kinds of money including SBA (7a) loans, term loans, lines of credit, and short term
private money. We have decades of experience serving small businesses.
We are faster than a bank
because we have superior finance tech to speed up application underwriting, so you get funded sooner.


 
 

A Finance Performance Inspection is three fast questions:


Business Loans   —quick SBA loans, term loans, private money, lines of credit
        
1.  How much money could you use for expansion, operations, or refinance?

Customer Payments   —smart point-of-sale tools deliver insights, security and efficiency
         2.  How long have you been with your payment services provider? 

Customer Financing   —easy as more customers apply and get approved on their phones
        
3.  What percent of your sales is from customer financing?


 SmallBusinessReports.org       

 

I do not advertise products or services.  I am not a reseller.  I do not charge fees. 
Please call me today.


How's your business?

Phil Doyle
business finance
capital strategies since 1988

(775) 300-7584
phildoyle.com
 

responsible straight-forward ethical business practices that put people first
this professional resume website does not advertise products or sell services -- no fees
 


 

Nearly half of business owners say innovation
is critical to staying competitive.

Small Business Reports


More businesses recognize that they must embrace innovation
to attract and retain customers ...and grow.


SBA(7A) Business Loans  •  Bank Term Loans
Short Term Private Money  •  Lines of Credit
Customer Financing  •  Customer Payments
Equipment Financing

SBA Commercial Real Estate Loans

responsible straight-forward ethical business practices that put people first

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




 

Business Finance

Business Loans  •  Customer Payments  •  Customer Financing

 

Finance Performance Tune-Up

Some businesses boost revenue without spending money because
they have the right sources aligned and tuned as one high-performance
precision machine, a powerful three-cylinder finance engine.

 

   
          

innovative capital strategies since 1988









































 

- examples only-

Business Loans

- not available from traditional sources -

 

- examples only -

* 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

 

 

 

responsible straight-forward ethical business practices that put people first
this professional resume website does not advertise products or sell services -- no fees

 



 

- not available from traditional resellers -

  - examples only - 

Customer Payments
with Smart Point-of-Sale 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 Tools       SmallBusinessReports.org/POStools.html

 

 

 

 


SOURCE:   SmallBusinessReports.org

  - examples only -


 

 

- examples only -
 

 

 

 

SOURCE:   SmallBusinessReports.org

 

 

 

 

- examples only -

responsible straight-forward ethical business practices that put people first
this professional resume website does not advertise products or sell services -- no fees

 




examples only

Customer Financing

not available from traditional sources

 

Smart point-of-sale customer financing boosts revenue


SOURCE:   SmallBusinessReports.org

 

 


 

 

 

     

 

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




PHIL DOYLE
business finance

capital strategies since 1988

phildoyle.com    (775) 300-7584

responsible straight-forward ethical business practices that put people first

 

      

      

 

PROFESSIONAL:

Business Finance
capital strategies since 1988

   

BUSINESS:

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

BrainwareTV - first-ever streaming video rentals -- over 1,000 business training programs in 21 languages with business customers in 80+ countries - using Internet marketing exclusively - opened a new digital global market for online business videos

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 during home video industry growth from 12% of US homes to nearly 100% saturation


MARKETING:

Created and implemented 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
   Tahoe City CA to Cabo San Lucas Baja to Cancun Mexico - Willys Wagon 4WD
   Tahoe City CA to Nelson BC Canada to Taos New Mexico  (winter)  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 from Nassau around New Providence Island, Bahamas
Drove a Citroen around Mallorca, Balearic Islands, Spain 

 


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?

 

 

 

phildoyle.com

(775) 300-7584

PHIL DOYLE
business finance

capital strategies since 1988

Business Loans  •  Customer Payments  •  Customer Financing

SBA(7A) Business Loans  •  Bank Term Loans
Short Term Private Money  •  Lines of Credit
Customer Financing  •  Customer Payments
Equipment Financing

SBA Commercial Real Estate Loans

responsible straight-forward ethical business practices that put people first
T
his professional resume website does not advertise or sell products or services --no fees

 

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