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phildoyle.com

PHIL DOYLE
capital strategies since 1988

helping businesses stay competitive

(415) 484-8661

FISglobal independent agent

responsible straight-forward ethical business practices that put people first

Capital Strategies  •  Payments Tech  •  Customer Financing

EASY ACCESS TO CAPITAL  •  BUSINESS FINANCE TECH

Online Long Term Bank/SBA & Flexible Short Term Private Money
Omnichannel Commerce  •  Fintech Payments Provider with Simplified Pricing
Real Time Settlement Merchant Funds 24/7  •  Continuously Updated Predictive Security
 Lines of Credit  •  Equipment Financing  •  Customer Financing (BNPL) Buy Now Pay Later

What do you need for operations, expansion or refinance?

Access all kinds of capital easily.

Carefully consider your options.

A common mistake is focusing on the interest rate.
There are six points to consider ... see below.

How do you plan to stay competitive in the Digital 2020s?

Run cash flow operations, payments & security in the fintech cloud.




 

Let's talk...

Clients average 5% increase in revenue, 15% decrease in chargebacks, and 12% reduction in debit card fees -- with higher conversion rates, improved authorization, better acceptance of all payment methods, smarter use of business and customer data with continuously updated predictive security to protect your business data, customer information, and cash flow operations from fraud.      Cash flow operations -- sales data, customer preferences, digital security, inventory, loyalty rewards marketing, gift card advertising, targeted personalized promotions, digital store, shopcart, omnichannel commerce, digital customer financing, robust real-time reporting, and payments processing -- all need to interact seamlessly all in one place in the fintech cloud for continuously updated predictive security, high performance, and efficient simplicity -- and better use of your data to improve customer service and inform you of sales trends and opportunities.

"I want to add measurable value to your business in three ways;
increased customer retention, improved cash flow, and simplified operations.
I do not charge fees or add to costs.

your independent agent in alliance with FIS

FINTECH THE FINANCE WORLD IS BUILT ON

FIS Ranks First in 2022 IDC FinTech Rankings

https://www.businesswire.com/news/home/20220912005124/en/  (FISglobal video)

FIS is to finance tech what Google is to information tech:

#1




We are three times larger than our closest competitor.

We attract the best people.



 View two videos to discover why:

Retain Customers.  Improve Cash Flow.  Simplify Operations.

5% increase in revenue ..15% decrease in chargebacks ..12% reduction in debit card fees
Higher conversion rates .. Improved authorization & better acceptance of all payment methods

Competitive highly secure high-performance strategies
specifically for your business operations, expansion, or refinance







 

It pays to offer flexibility.
Buy now, pay later gives your customers a budget-friendly way to pay.
And your business could see 50% higher average ticket sales
and 30% higher average conversion rates.

 

Businesses can now use their data to better understand and meet their customers' expectations thanks to smartphones, social media accounts, search history, and transaction data. While all this data is a treasure trove to leverage, it's also an important responsibility for a business to protect it. Protecting customer data and privacy is one of the top three trends that will have the greatest impact on businesses.

Competitive highly secure high-performance strategies
specifically for your business operations, expansion or refinance


Retain Customers.  Improve Cash Flow.  Simplify Operations.

5% increase in revenue   15% decrease in chargebacks   12% reduction in debit card fees
Higher conversion rates    Improved authorization & better acceptance of all payment methods

 

Finance tech totally reinvented payments services.        Fintech payments pricing is completely different now.  Resellers are no longer required.  Updates to your POS terminal are no longer needed.       Your cash flow operations -- customer information, sales data, digital store, shopcart, omnichannel commerce, reporting, rewards marketing, customer retention and payments processing -- all need to interact in one place in the fintech cloud for continuously updated predictive security & payments programming, high performance, and efficient simplicity -- and smarter use of your data.  High-performance precision cash flow operations with continuously updated payments security and programming are all required  now to stay competitive in the Digital 2020s. It is low cost. The #1 sources in payments tech now serve small businesses directly  -- resellers no longer required.       After mega-billion dollar mergers ($20B to $43B), they are the oldest, largest companies - payments industry pioneers -  with unfamiliar new names.  We represent all three.  Accelerate growth and protect your business and customer information with smarter use of your data and security.       If you are using a payments services reseller (if your payments programming and security reside on your POS equipment and require you to download and install updates periodically) you may have a big competitive disadvantage.  Cash flow operations, payments programming, and digital security need to interact in the fintech cloud for precision high-performance and superior continuously updated predictive fraud protection.  Compare sources today and stay competitive in the digital 2020s.

  Retain Customers.  Improve Cash Flow.  Simplify Operations.

competitive high-performance business tech strategies
specifically for your operations, expansion, or refinance

5% increase in revenue ..15% decrease in chargebacks ..12% reduction in debit card fees
Higher conversion rates .. Improved authorization & better acceptance of all payment methods

Capital strategies specifically for your business.
No fees. No effect on your credit to apply.

Call me today.

Phil Doyle  capital strategies since 1988  (415) 484-8661

As ‘buy now, pay later’ plans grow, so do delinquencies

Small Business Reports
business journal for business owners
SmallBusinessReports.org

We help businesses run their secure cash flow operations
like a precision vehicle with a competitive high-performance engine.

Retain Customers.  Improve Cash Flow.  Simplify Operations.

Strategies specifically for your operations, expansion, and refinance.

No fees. No effect on your credit to apply,

Please call today.  (415) 484-8661

click for complete report - secure pdf
SmallBusinessReports.org

Small Business Reports
business journal for business owners

Fintech Payments Services

Turn customer transactions into smarter connected experiences

click for complete report  secure pdf

click for complete report
SmallBusinessReports.org

Small Business Reports
business journal for business owners

Retain Customers. Improve Cash Flow. Simplify Operations.

Fintech Payments / Omnichannel Commerce / Predictive Security

5% increase in revenue  •  15% decrease in chargebacks  •  12% reduction in debit card fees
Higher conversion rates  •  Improved authorization & better acceptance of all payment methods

Phil Doyle resume at bottom of page

Call me today for a competitive strategy.

(415) 484-8661

"Fintech Payments are to POS Terminals
what Smart Phones were to Flip Phones,
what Google was to the Yellow Pages,
and what Windows was to DOS."

      

Using Data Intelligently to Drive Business Outcomes

Smart Insights for a New Future — PACE Report

Gaining Lift from the Consumer Shift — CMO Council

click for Special Reports
- secure link -

SmallBusinessReports.org

Small Business Reports
business journal for business owners

 

 

How Commerce Has Changed Forever

 Fintech Payments Provider / Omnichannel Digital Commerce

5% increase in revenue.  15% decrease in chargebacks.  12% reduction in debit card fees.

Higher conversion rates.  Improved authorization & acceptance of all payment methods.

Four security questions to ask your payments provider

click for Special Report

SmallBusinessReports.org

Small Business Reports
business journal for business owners

Stay Competitive in the Digital 2020's

Golden Era of Business Tech & Access to Capital

Omnichannel Commerce / Fintech Payments


click to play - scroll down for complete report below

     The starting point for better customer retention, improved cash flow, omnichannel payments, digital commerce, superior security & service, simplified pricing, sales & customer data for individual marketing with targeted incentives, and integrated management efficiencies to streamline operations is your innovative fintech payments.

OMNICHANNEL COMMERCE
FINTECH PAYMENTS

Simplify operations, retain customers, and improve cash flow



Omnichannel digital commerce with fintech payments services powers an immediate profit center with secure cloud-hosted smart point-of-sale business managment of payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust intelligent reporting, and remote access — to acquire and retain customers 24/7, retail and wholesale, physical and digital.

"It's fast and easy to setup and run."

Omnichannel Commerce

SMART MONEY

Fintech Payments & Omnichannel Commerce Fuel Marketing & Management
 

What sets us apart is the consistent and seamless experience we provide in all three areas of business finance.  Working with us is the same as working directly with the source —only better because often we can make things happen quicker.      I grew up in this company when it was a small family business.  It was built on genuinely authentic business relationships —and still is. Now, we work with the best people and companies in all three areas of business finance.      We serve businesses of all sizes in most industries:  insurance, real estate, automotive, manufacturing, distribution, retail, services, home improvement, contractors, construction, oil and gas, mining, technology, and pharmaceuticals.  Working with a business finance agency and sources that deal regularly with companies in your industry is a tremendous benefit. Phil Doyle resume at bottom of page Call me today for a competitive strategy. (415) 484-8661 Do you go to a restaurant to cook your own meal? Would you go to a website to arrange your own business finance strategy? No. You need their experience, service, and speed for the best results.        As an independent business tech agency representing the #1 leaders (safest, fastest, biggest, oldest) and other sources, we help businesses stay competitive and continue to support their growth.  We do not charge  fees or add to costs.  Resellers are no longer required by fintech leaders. You will have a direct account and apply and negotiate directly with trusted finance tech sources, with us as your expert guide and independent agent. It costs you nothing to use our experience, and often our clients receive larger offers and more favorable terms.      You will have a knowledgeable, competent business tech partner throughout every step of the process with innovative strategies, simplified pricing, competitive low cost, larger amounts, and more flexible terms. The application, underwriting, and funding are fast because of superior fintech.

What's next?

Compare your sources in all three areas of fintech.

 Capital Strategies • Fintech Payments • Customer Financing

Compare fintech strategies and get what you need now.
We have helped thousands of businesses like yours.

Is all your customer info and sales data from every transaction—from every sales channel—available and accessible all in one place with robust reporting to inform and manage payments processing, marketing, inventory, pricing & discounts, sales tax, accounting, and employees so you can make smarter decisions faster that simplify operations, retain customers, and improve cash flow?

Stay competitive with omnichannel fintech payments for superior security for your customer data, sales reporting, increased customer retention, and improved cash flow.  Increase efficiency and performance with superior service and security—with no reseller—using your existing POS hardware, if desired.

Please call me today.  (415) 484.8661  
I do not charge fees.

REINVENT SMARTER

Today's fintech leaders advance the ways businesses stay competitive.

All three areas of business fintech suddenly transformed security, service,
and pricing which accelerated ahead years with fintech, artificial intelligence,
and machine learning to confidently reduce risk, increase speed, and simplify pricing.

Now, more than ever, it matters who you're with.
Resellers lack fintech for security and speed.
If you are not staying competitive, you already may be years behind.

"Retain customers, improve cash flow, and simplify operations
with fintech payments and omnichannel commerce."

Compare business fintech strategies to stay competitive.
We have helped thousands of businesses like yours over the past 30+ years.

Call me today.  (415) 484-8661   No fees.

The key to staying competitive is to leverage
superior business fintech from the #1 sources.
 

click to play

The starting point for better customer retention, improved cash flow, omni-channel commerce & customer experience, superior security, service & pricing, customer data for individual marketing with targeted incentives, and integrated management efficiencies is your innovative payments platform.

 

1.    Digital payments continue to change how people pay in-store Mobile wallets like Apple Pay and Samsung Pay continue to spark change at the point of sale by making checkout faster, safer, and more convenient. While mobile wallets will be the leading POS payment method globally by 2023, North American consumers will still favor traditional payment methods such as credit and debit cards. But that doesn’t mean there isn’t wide adoption of mobile and digital wallets. Millions of consumers are using them on a daily basis, especially online. Activating acceptance of digital and mobile wallets is crucial to bridge consistency between the instore and online experience. 2.    The lines continue to blur between online and in-store Payments are often tracked between channels, but consumers are generally focused on the end result rather than the channel where they’re making the purchase. Convenience is typically the deciding factor for how a consumer prefers to shop. And they expect consistency and convenience whether they visit a store, stay online, or find a middle ground between the two. For instance, as buy online, pick up instore becomes more and more prevalent, consumers are looking for retailers to make it easy. That means the payment should be nearly invisible. With so many alternative payment methods available, it’s becoming easier to do just that. 3.    The next generation of shoppers are looking for personalization from brands Today’s teenagers and young adults are the first generation of digital natives, yet that’s only the beginning of what makes Gen Z distinctive. Gen Z shoppers gravitate to brands that are transparent about values, that seek to understand them as individuals, and that deliver exceptionally personalized service. We explore how enterprises that can individualize at scale can gain the trust and loyalty of a new generation of shoppers. 4.    Instant payment schemes will open up new doors for payment methods Alternative payment methods go beyond just mobile and digital wallets. Additional options like buy now pay later and bank transfer are also changing the payments world. Open banking initiatives are bringing a new wave of change to the payments industry and with it, an additional alternative payment method for retailers to consider: account to account payments. These payments have existed for a while in peer to peer relationships and the ACH network, but open new doors for retailers in the form of cost savings. Real time payments could set new habits in how consumers prefer to pay businesses. 5.    New technologies are advancing how AI is being utilized for payments Advancements in the interfaces that allow humans and computers to communicate are sparking change in how we can purchase items online and engage with some brands. Improvements to artificial intelligence allow us to literally interact with voice assistants; from having them tell us jokes, to playing music, to asking for our favorite coffee to be reordered. Smart speakers have become a part of our everyday lives. The rise of voice assistants has opened the door to making purchases using only our voices, but the commercial potential remains largely untapped. Further advancements in security and identifying what customers want from a voice only search will predict future success. Growing your business audience starts with understanding how best to connect with your potential customers. Shoppers engage with retailers at the most critical intersection—the payment. from   SmallBusinessReports.org     Small Business Reports — business journal for business owners

 Expand and grow with confidence

Compare business fintech strategies to stay competitive.
We have helped thousands of businesses like yours.

Call me today.   (415) 484.8661   No fees.

responsible straight-forward ethical business practices that put people first

Capital Strategies • Fintech Payments • Customer Financing

We work with over a million merchants around the world
-- from local stores to global enterprises.

We have decades of leadership in payments and customer financing.

Access over one billion dollars of flexible private money
for small business innovation and growth.

We do not charge fees. We eliminate costly resellers.

responsible straight-forward ethical business practices that put people first

What's your finance strategy?
 

Let's compare fintech strategies to stay competitive.  (415) 484.8661    No fees.
We have helped thousands of businesses like yours over the past 30+ years.

 Working together, we can achieve your business goals
- both now and for the future -
with innovative strategies and trusted fintech sources.

Expand and grow with confidence

Access capital easily.

Online Long Term Bank/SBA and Flexible Short Term Private Money
OmniChannel Commerce  •   Payments Tech  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing
 Lines of Credit  •  Equipment Financing  •  Customer Financing


We eliminate resellers

Money is now a convenient business resource because of superior finance tech.

Innovation is Vital to Stay Competitive

100% committed to small businesses. 
No fees. No resellers.

Capital Strategies  •  Fintech Payments  •  Customer Financing

Who helps you stay competitive in all three areas of business finance?
How many sales reps does it take? How well do they know your business?
Do they work together as a team toward your goals?

Most business owners do not have time to learn and keep up with
fast-evolving finance tech, payments solutions, security, service, and pricing.

Expand and grow with confidence.  Access all kinds of capital easily.

responsible straight-forward ethical business practices that put people first
this resume does not sell products or services -- no fees
this website does not track viewers or collect data

Businesses recognize they must embrace smart innovation
to retain customers, improve cash flow, and stay competitive.

Capital Strategies  •  Fintech Payments  •  Customer Financing

Today's fintech leaders advance the way businesses stay competitive with artificial intelligence and
machine learning to instantly interpret vast data to confidently reduce risk, increase speed, and lower costs.
Small businesses are no longer required to use resellers.

Now, more than ever, it matters who you're with.

We eliminate costly resellers.

EXAMPLES ONLY - INFORMATION BELOW IS NOT UPDATED

click to open the report:
"Closing the Cash Flow Gap with Real Time Settlement 24/7"

Fully integrated omni-channel digtal commerce payments platform for managing payments, inventory, pricing and discounts, sales tax, employees, targeted marketing with customer data, loyalty and gift card campaigns, robust reporting and remote access -- to run more efficiently with superior security, service, and pricing with frictionless transactions on any screen anywhere for physical and digital sales and automated customer service

A fully integrated digital store is a permanent
profit center for long-term competitive growth.
 

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

OmniChannel Commerce Fintech Payments Platform & Customer Experience with fully integrated digital store is an immediate profit center with secure cloud-hosted smart point-of-sale data business managment for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to acquire, retain and serve customers 24/7, both retail and wholesale, both physical and digital -- on any screen anywhere.

For example and comparison only -- 

Call me today for a Competitive Strategy including a free 15-day fully functional
test drive of an innovative integrated online store with unlimited customer support.
No payment required. No risk. No obligation.  (415) 484.8661

Business Fintech

Capital Strategies  •  Fintech Payments  •  Customer Financing

Capital is now a quick easy resource  because of business fintech.

EXAMPLES ONLY

      Take advantage of a streamlined application process and superior customer service. Don’t waste time going from bank to bank. Advanced software matches your business with the bank in the network most likely to fund. It's much faster.

Term loans from banks in the network are generally faster to fund and require less documentation than a traditional SBA 7(a) loan. The 2-5-year term gives businesses an affordable low monthly payment. 

 

Expand and grow with confidence

Please call me today and compare strategies.

(415) 484.8661   I do not charge fees.

 

Access capital easily

Online Long Term Bank/SBA & Flexible Short Term Private Money
Fully Integrated Omni-Channel Commerce & Fintech Payments Services
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing
 Lines of Credit  •  Equipment Financing  •  Customer Financing

responsible straight-forward ethical business practices that put people first


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

 

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EXAMPLES ONLY - INSTRUCTIONAL
this professional website does not advertise products or sell services -- no fees

examples only

phildoyle.com is not a lender or broker or reseller

examples only

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- examples only- instructional information

Business FinTech

 

- examples only -

Expand and grow with confidence
Please call me today to compare strategies

(415) 484.8661   I do not charge fees.

Money is now a convenient business resource because of business fintech.

Quick SBA Business Loans

- examples only - information not current - for educational purposes only

 

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 Strategies

for example only - information not current - educational

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.

  

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  - examples only - educational

Short Term Private Money

flexible terms and repayment options

 

 

 

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

 

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  - examples only - 

Fintech Payments

Fully Integrated Efficiencies and Continuously Updated Security

Omni-Channel Commerce with Fintech Payments & Continuously Updated Security

5% increase in revenue.  15% decrease in chargebacks.  12% reduction in debit card fees.

Higher conversion rates.  Improved authorization & acceptance of all payment methods.

SmallBusinessReports.org

Small Business Reports
business journal for business owners

 

 

Reliable low-cost smart point-of-sale business management for payments, inventory, pricing & discounts, sales tax, employees, marketing, loyalty, robust reporting, and remote access office for better informed decisions and increased efficiency.

 

Below are examples from 2020

-- from the past.

Don't be stuck in the past!

 

Have you moved your cash flow operations to the fintech payments cloud?

 

 

 

 

- examples only - from 2020 -

Everything changed because of powerful finance tech platforms 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 Product Review       Reliable Point-of-Sale Tools      

 

 

 

 

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- examples only -
 

 

 

 

 

 

 

 

 

- examples only -

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

Digital Customer Financing
mobile, contactless, easy, paperless. larger approvals, fewer declines, 100% digital

Smart fintech digital customer financing boosts revenue

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