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PHIL DOYLE

phildoyle.com



helping businesses stay competitive since 1988


up to $50 million revenue and 500 employees


Business Finance is Cash Flow Strategy

 

Hello Business Owner

Letter from Phil Doyle
secure pdf
phildoyle.com/HelloBusinessOwner.pdf


I am not among all the Phil Doyles found on the Internet. Philip Doyle is one of the most common Irish names.
I have no presence on social media, directories, news, or search - only phildoyle.com

 


 

How's business?

What do you need for operations, expansion, or refinance?

How will you stay competitive with fintech AI cloud payments services?


 
Admark Capital  ..  admarkCapital.com
Phil Doyle  ..  phildoyle.com


 Would you look at a proposal for private credit working capital?

See what is available to you now for operations, expansion, and refinance.


private credit business advances
Admark Capital - since 1988

Request a proposal today
secure digital pdf application
n
o fees - no effect on credit


 

 Phil Doyle


(photo 2023)
Phil Doyle Resume Details with Trust & Privacy Policy
—see below - near bottom of page

 
Hello Business Owner,
    
I manage Admark Capital, LLC - since 1988.  admarkCapital.com  
     Admark Capital is a national independent finance agency.
Business finance is cash flow strategy.

     We represent a network of
trusted finance sources (safest, fastest, biggest, oldest) for private credit working capital and innovative fintech AI cloud payments services. They all do bank-level agent background checks.

     My team works with a limited number of new clients each month to provide innovative fintech AI cloud payments services and easy access to working capital for operations, expansion, and refinance. 
     We do not charge fees.


      Safely access all kinds of money and innovative strategies to stay competitive with operations, expansion, and refinance—to get and keep more customers.

     Innovative fintech AI cloud payments services pricing from the source is completely different from the old familiar traditional markups on rates and hidden fees by many payments resellers. Compare innovative fintech AI cloud payments services to suit your business with custom tailored, fair & transparent variable pricing and settlement options.

     Safe easy working capital application and funding are available directly in your account with continuously updated, predictive bank security and programming for maximum safety and highest levels of performance - and same day direct deposit funding. 

     Cash flow strategies for acquiring and retaining customers—innovative fintech AI cloud payments services and trusted non-predatory sources of working capital—are screened to ensure fair transparent pricing and terms.


     Would you like to know what is available to you today?
 

How's business?
   How can I help? 


Philip Doyle
775.234.2006  text / voicemail
helping businesses stay competitive since 1988



How to Stay Competitive

To stay competitive in the 1960s:  "You need to accept credit cards to get and keep customers."

In the 1980s:  "You need a computer with Windows to run your business."

In the 2000s:  "You need a smart phone with business apps to stay connected."

In the 2020s:  "Cash flow operations and security need to interact in the fintech AI payments cloud."




June 19,2024

Business owners increasingly worry about payment fraud, survey finds

NEW YORK (AP) — Small businesses are increasingly concerned about payment fraud.

That’s according to a small business survey from regional bank KeyBank. Nearly 2,000 small-to-medium size business with annual revenue of less than $10 million were surveyed.

The top concern among survey participants was payment fraud of various types. Forty-four percent were worried about unauthorized transactions or unauthorized electric fund transfers; 37% were concerned about identity theft; 28% said malware and ransomware attacks were their biggest concern; and 27% were worried about phishing and email scams.

 

Wall Street Journal -  June 19, 2024

Reversing a Credit-Card Charge Has Never Been Easier—or More Abused

Disputes over charges, once a measure of last resort, have surged as shoppers learn how easy it is to deploy them.

And they usually win.



Why your Buy Now Pay Later needs to be in your payments account at the source,
not with a reseller

NEW YORK — AP
    May 26, 2024

Buy now, pay later companies must adhere to credit card rules

Buy now, pay later companies must provide consumers with the same legal rights and protections as credit card lenders do, the Consumer Financial Protection Bureau said in a new rule. That includes the right to demand a refund and to dispute transactions. The agency’s announcement is a “significant step forward” in regulating the buy now, pay later industry. For instance, buy now, pay later lenders do not all report their loans to the three major credit bureaus.





VOX  June 2024

The golden age of retail loyalty programs is here.

According to Vox, loyalty rewards are centuries old and as common as dirt, and 90 percent of companies have some kind of program luring customers to buy more in exchange for perks. But what allegiance to a brand can do for consumers looks different today from the simple punch card. 

 

The Gift Card Boom—and What’s Driving It

https://www.paymentsjournal.com/the-gift-card-boom-and-whats-driving-it/

What leading brands are doing to keep their gift cards front and center with consumers
—and how they’re using them as a powerful growth engine for their businesses.

The Future of Loyalty Programs

https://www.paymentsjournal.com/from-the-name-on-the-cup-to-custom-hotel-lighting-the-future-of-loyalty-programs/

As loyalty programs become increasingly widespread, businesses are beginning to understand
that consumer loyalty isn’t always driven by a deep affinity for the products themselves.
Instead, loyalty has become a marketable asset
—something that can be cultivated through incentives and experiences.  

 



If any part of your business relies on search marketing, you may need to consider more effective strategies such as targeted direct marketing using your customer information and sales data to acquire and retain customers -- along with proven effective loyalty and gift digital advertising campaigns. Your payments, security, cash flow strategy and reporting all need to interact in one easy safe place in the fintech AI payments cloud. Everyone is realizing that you may not be able to know if you can trust what you find on the Internet to be real or true. We are witnessing the beginning of the collapse of effective Internet search marketing.  It is a lost trust issue.

 

Bloomberg   June 17, 2024

Online Shopping Has Become a Giant Fake Product Machine

Between knockoffs, artificial reviews and a glut of affiliate marketing, shoppers have no way to tell what is real.

"... I have no idea if the product I’m using is real."


  

 


all kinds of money for operations, expansion, and refinance

 

 

What is the difference between a conventional bank business loan
and a private credit business advance?

One is a loan. The other is a sale.


Private credit business advances are fast and easy, and extremely competitive.
A business advance is the discounted sale of a future revenue stream; it is not a loan.

Cost of money for a business advance is the discount on the sale of future revenue.

Banks loan customer deposits, are slow and difficult, and are hobbled
by bureaucratic regulatory costs and delays.

Cost of money for a business loan is interest.



 What is the difference between a merchant cash advance
and a private credit business advance?

A merchant cash advance
is based on a percentage split of future payments processing.

A business advance
is based on future gross revenue and may be more flexible and larger.

 

 

ROI  5x RETURN
A recent survey of 592 small business owners sponsored by the Electronic Transactions Association (ETA) and conducted by Edelman Intelligence revealed that most business owners anticipate a 5X return for every dollar they borrow. The most common reasons for seeking financing were to purchase equipment (54 percent) or to purchase inventory (51 percent).

57 percent of the small business owners in the survey chose a shorter-term (six-month) to minimize the total cost when compared to a longer-term.  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

US small businesses struggle for credit, one year after regional turmoil

NEW YORK, March 8, 2024 (Reuters) - Small business owners in the U.S. are struggling to get financing from traditional lenders as the impact of higher rates and bank failures of a year ago linger, holding back business growth for some.

About 77% of small business owners are concerned about their ability to access capital and 28% of loan applicants said they had taken out a loan or line of credit with payment terms they felt were predatory, according to a survey by Goldman Sachs , opens new tareleased in January which included nearly 1,500 small borrowers across the country.



See what is available to you now for operations, expansion, and refinance.

 
Admark Capital - since 1988


Request a proposal today
secure digital pdf application
n
o fees - no effect on credit

 

 

  A business either grows or dies.

54% of small businesses across the U.S. are at risk of financial difficulty.
-- Wall Street Journal

 

 

click to view secure one-page pdf

Resellers are no longer required.


If your payments processing is with a reseller - including banks, financial institutions -
compare costs, security, and services available now directly from the #1 payments source.

 


PHIL DOYLE

(775) 234-2006
text / voicemail


   
(above photo 2023)

   

       

 

 

PROFESSIONAL:

Responsible straight-forward ethical business practices that put people firstwith integrity

Current:  Manager, Admark Capital, LLC -- admarkCapital.com -- independent national finance agency -- representing the #1 trusted sources (safest, fastest, oldest, biggest) for private credit working capital and innovative fintech AI cloud payments services. They all do bank-level agent background checks.

worldpay working capital - independent agent since 2019    fisglobal.com  worldpayworkingcapital.com
 

Private credit working capital Innovative cash flow strategies Fintech AI cloud payments services

TRUST & PRIVACY

I have no presence on social media, directories, news, or search  —other than phildoyle.com

        phildoyle.com is not indexed in Google search for privacy control

I am fanatically obsessed with privacy and confidentiality of clients' privileged business and personal information.


I am not among all the Phil Doyles
found on the Internet.
P
hilip Doyle is one of the most common Irish names.

Private credit working capital operates in the investment industry (not the banking industry)
with appropriate regulatory oversight by the US Securities and Exchange Commission (SEC).

I am 100% compliant with regulatory and legal requirements.
I am not a finance lender, broker, banker, or reseller.

 

RESEARCH INTERESTS


Family history of Viking ancestors in Norway and Ireland and their immigration to America

Philip Doyle is one of the most common Irish names.    Millions of people have that name.
      18,200,000 search results for Philip Doyle - Google 2023      



POLITICAL INTERESTS

I was a juror on a US federal criminal immigration trial (Oct 2023)
and became interested in the seismic societal implications and practical ramifications of immigration on long-term employment issues affecting the growth of small businesses. I believe business owners have a responsibility and opportunity to guide progress in some critical areas.       



BUSINESS FINANCE HISTORY


Favorite finance books:

    
The Price of Time - The Real Story of Interest  (2022) Edward Chancellor

      Fintech, Small Business & The American Dream  (2018)  Karen G. Mills


CREATIVE INTERESTS

The Art of Seeing    street portraits .. imagery of shared human nature   
Open Presentation link .. allow a few moments to load 80 pictures .. click Slideshow  
https://docs.google.com/presentation/d/1LC9mA6toCaQ_npmxHt2SCWfNNtDHrWRxHiNkOCA99DQ/edit?usp=sharing



BUSINESS SUCCESS:

Started, financed, expanded, and sold three pioneering, fast growth video companies:

BrainwareTV - first-ever online streaming video rentals with unique Digital Rights to prevent piracy -- over 1,000 business training programs in 21 languages with online business customers in 80+ countries - Internet marketing exclusively - opened new digital global market for streaming video rentals for business skills training.

Video Guide® - first US print magazine for video family home entertainment with major Hollywood studio movie advertising - distributed nationally through local video stores with their logo and coupons on the covers

Dimensions in Video - largest family home entertainment video store (VHS only, no Beta, no porn, no hardware) in northern California (greater Sacramento market) during early home video industry growth from 12% of US homes to over 95% local market saturation.


MARKETING & ADVERTISING:

Created and implemented fast growth strategies for increased advertising revenue - print and digital - for five 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 weekly newspaper Tahoe World in Tahoe City CA

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

        
1st Place Team - College National Marketing Competition, Mexican Beer Advertising Campaign

Created local advertising base for their first school newspaper, Lassen College, Susanville, CA

1st Place: Veterans of Foreign Wars Essay Contest  -- 4th grade


PASSIONATE:

Skiing deep Winter powder and steep Spring snow


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

Long distance solo/bicycle touring - bikepacking
   Nanaimo, Vancouver Island BC to San Diego CA - Hwy 101 & 1 Pacific Coast
   New Orleans, Louisiana (freighter) to Casablanca, Morocco, Africa to Ardal, Norway
   via Spain, France, Germany, England, sold bike and hitch-hiked Wales, Ireland, and Scotland
   Fort Bragg CA to Victoria, Vancouver Island BC - Hwy 1 & 101 Pacific Coast

Back Roads off the beaten track to parts unknown - and back  (long distance self-sufficient adventure)
   Tahoe City, CA to Homer, Alaska - Travelall 4WD -with co-pilot
   Tahoe City, CA to Cancun, Mexico via Cabo San Lucas, Baja - Willys Wagon 4WD -with co-pilot
   Tahoe City, CA to Nelson, BC to Taos, NM - winter - skied all the original resorts - Jeepster 4WD -solo

Motorcycle adventure camping  
    Grass Valley, CA to San Diego, CA - Highway 1   - Honda 750 four cylinder
    Grass Valley, CA to Glacier National Park, MT     - Triumph 650 Bonneville


Island circumnavigation
Rode a Vespa scooter around New Providence Island, Bahamas
Drove a Citroen car around Mallorca, Balearic Islands, Spain 
Bicycled around San Juan Island, WA



MENTORS:

Napolean Hill, W. Clement Stone, Earl Nightingale, Zig Ziglar, Denis Waitley, Brian Tracy, Wayne Dyer, Jack Tenge, Jack Bogle, Warren Buffett, Charles Schwab, Homer Simpson


VALUES & INTEGRITY:

We become what we think about most

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

What does the person in front of you need or 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 human, 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

Refuse to quit.

What's next?

more inspirational quotes
https://phildoyle.com/more_quotes.pdf



PHIL DOYLE  

phildoyle.com


Phil Doyle is not a finance lender, broker, banker, reseller, or magician.

This site does not sell products & services, quote rates & pricing, collect data, or track readers. No fees.

© copyright 2016-2025   Phil Doyle   phildoyle.com  All Rights Reserved