phildoyle.com is not indexed in Google for privacy   no fees    best viewed wide on large screen    this resume does not quote pricing & rates or sell products & services

innovative cash flow strategies  •  fintech cloud payments services

private credit working capital




PHIL DOYLE
capital strategies
 

(415) 484-8661
text / voicemail



helping businesses stay competitive since 1988

up to $50 million revenue and 500 employees



Trusted non-predatory sources of working capital
screened to ensure fair transparent pricing and terms

 


Bank business loans  •  Private credit business advances

Two different kinds of money from completely separate business finance systems:
conventional banks (depositors' money) vs. private credit working capital (investors' money)


One is a loan with interest.

The other is an advance—the discounted sale of future revenue.





Private Credit Working Capital




Private credit working capital from insurance investment funds has been available to large enterprises for decades. What is new today is private credit working capital for small businesses—all kinds of money for operations, expansion, or refinance—with safe easy application and funding directly through your secure account online. No broker or reseller fees.  


Private credit business advances. Flexible terms. Extremely competitive cost of money.
Application and funding similar to familiar bank loans, but easier and quicker.

 

Conventional lenders, brokers, and bankers have no interest in private credit working capital—literally, and they are threatened by its explosive growth. Private credit business advances have displaced bank business loans. Banks say they cannot make money on business loans under a million dollars because of increasing compliance costs. Instead of protecting small businesses, regulatory bureaucracies have hurt them by making it harder to get the money they need to grow.
—more below




smart money



safe easy access to private credit working capital from the #1 trusted sources

Leverage innovative cash flow strategies with safe easy access to private credit working capital from your account online.

Trusted non-predatory sources of working capital are screened to ensure fair and transparent pricing and terms.

Application and funding are fast—directly from reliable sources with decades of experience and industry leadership.
 



worldpay from FIS independent agent since 2019

worldpay working capital - video below

 

Open your account today

no fees - no effect on credit - no broker or reseller costs

access all kinds of money for operations, expansion, or refinance directly from trusted sources

 

admarkCapital.com is not indexed in Google search for privacy,
and is not a finance lender, broker, banker, or reseller.
Phil Doyle has a financial interest in admarkCapital.com





responsible straight-forward ethical business practices that put people first

Innovative cash flow strategies and easy access to working capital directly from the #1 trusted sources—no reseller/broker cost




How's your business?


What do you need for operations, expansion, or refinance?
Easily access all kinds of money safely and directly. No fees. No broker or reseller cost.

How will you stay competitive in the accelerating digital 2020s?
Businesses that hesitate to move up risk being left behind and giving away customers.

 

 


(photo 2023)
Phil Doyle Resume with Trust & Privacy Policy
—below— near end of page

Hello Business Owner,
    
I have an independent agency based on 30+ years of helping businesses stay competitive with superior cash flow strategies. I represent the #1 trusted sources (safest, fastest, biggest, oldest) for innovative payments services and private credit working capital. They do bank-level agent background checks.

     My company is admarkCapital.com, a business finance agency for the digital 2020s. My team works with a limited number of new clients each month to provide innovative cash flow strategies with safe easy access to working capital for operations, expansion, and refinance. We do not charge fees or add costs.
 
Private credit working capital:  safe fair flexible easy business advances
Fintech cloud payments services:  how to get and keep customers today

     Request a proposal specifically for your unique business directly from trusted sources, not resellers—with our ongoing support at no cost—for fintech cloud payments services and private credit working capital. Open your account today. No fees.

     Innovative fintech cloud payments pricing at the source is completely different from familiar traditional markups on rates and fees by resellers. Compare custom tailored pricing to suit your business with variable pricing options and next day settlement.

     Safe easy application and funding are available directly in your account with continuously updated bank security and programming. Access all kinds of money for operations, expansion, and refinance.

     Business finance is cash flow strategy for acquiring and retaining customers.  Trusted fintech cloud payments services and non-predatory sources of private credit working capital are screened to ensure fair transparent pricing and terms.


     What is the difference between a traditional bank business loan and a private credit business advance?  Private credit uses finance tech and artificial intelligence for reliable speed and high confidence in risk assessment for larger flexible proposals at extremely competitive cost.  Bank business loans are slow and difficult.  More below.

    Access all kinds of money for operations, expansion, or refinance.



Let's talk soon
and get what you need. I'd like to help.

Phil Doyle  capital strategies
helping businesses stay competitive since 1988

worldpay from FIS independent agent since 2019
innovative fintech cloud payments services — worldpay working capital



April 24,2024  (Wall Street Journal)
Main Street Banking Model Is Being Squeezed
First-quarter results at regional banks show the uneven toll of higher interest rates

Higher-for-longer interest rates are continuing to weigh on Main Street banks.  Regional banks posted steep profit declines in the first quarter and predicted more pain ahead. The results underscore the uneven toll that two years of higher interest rates have taken on regional banks, which tend to have plain-vanilla businesses taking in deposits and making loans. That model has become less profitable because of the pressure to pay up on deposits  Profit at KeyBank parent KeyCorp fell by a third in the latest quarter.

JPMorgan CEO Dimon says US economy is booming

April 23,2024 (Reuters) - JPMorgan Chase (JPM.N)
, opens new tabCEO Jamie Dimon expressed confidence in a robust U.S. economy backed by strong employment and healthy consumer finances.  The U.S. economic boom is "unbelievable," Dimon said at an Economic Club of New York event on Tuesday. "Even if we go into recession, the consumer's still in good shape."

April 23, 2024  (AP)  Cyberattacks on businesses are rising, including small businesses. It’s a troubling trend because a breach can be very costly and time consuming if owners don’t have a plan to deal with one.  According to the Verizon 2023 Data Breach Investigations Report, the median cost per ransomware attack — which features a type of malicious software designed to block access to a computer system until a sum of money is paid — more than doubled over the past two years to $26,000.

March 24, 2024  (Yahoo Finance)    The Federal Reserve’s policymaking committee of 19 officials released a new set of economic projections last week, showing that they now expect economic growth in 2024, 2025 and 2026 to be even stronger than they previously thought. That optimism seems to be the consensus among analysts, including Goldman Sachs’ chief economist.





Private Credit Business Advances Have Displaced Bank Business Loans

A business finance war is raging between the conventional bank lending regime and private credit investment funds.
At stake is access to billions of dollars of ultra-competitive working capital for millions of small businesses.
In California, private credit insurance funds enjoy a distinct advantage over banks for intensely competitive working capital because of their long-standing exemption from interest (usury) laws embedded in the state Constitution since 1934 that freed them from the regulatory friction, costs and delays that hobble bank business lending. Intense competition for private credit working capital effectively holds down the cost of money. Conventional lenders and banks are threatened by their lack of finance tech and artificial intelligence which are required to compete in the digital 2020s. The traditional bank business lending regime is reacting in a panic to an existential crisis because artifical intelligence threatens them with obsolesence, irrelevance, and the inevitable advance of innovative leadership. We are witnessing a new ultra-competitive, responsive business finance system emerging with all kinds of money available for operations, expansion, and refinance from global insurance funds with decades of business finance experience.

Private credit working capital is good for businesses. 

read more below

 

 



 Business finance is cash flow strategy

 for operations, expansion, and refinancing

to get and keep customers.

 

 

Private Credit Working Capital  •  Fintech Cloud Payments Services
Proposals are directly from trusted sources with superior ongoing support at no cost.
No effect on your credit.  No fees.  No broker or reseller costs.  Open your account today.

 
 worldpay from FIS independent agent since 2019
worldpay working capital - video below


 

Get what you need today.

Request a proposal from the #1 trusted sources:


#1 Working Capital - Flexible safe easy short-term private credit business advances

#1 Customer Financing - Buy Now Pay Later in your payments system—not via a reseller

#1 Fintech Cloud Payments - Continuously updated programming and predictive bank security
Superior safety, performance and reporting directly at the source - not a reseller     1.5% transaction fee (V MC)

Targeted direct marketing with your data to get and keep customers with proven effective low-cost strategic campaigns
 

 

 

Business finance is cash flow strategy
with all of the above interacting in one easy safe place.

 



This is how to use artificial intelligence for maximum safety and performance.

It is how to stay competitive with AI at low cost in the accelerating digital 2020s.

 


AI-powered tools can be used to help businesses make data-driven decisions with unprecedented accuracy and foresight. By analyzing vast datasets in real-time, AI algorithms can uncover patterns, trends and correlations that human analysts may overlook, leading to more informed and strategic choices in areas such as market forecasting, risk management and customer engagement.

 



Businesses that hesitate to move up risk falling years behind,

handing their customers to competitors.


 

Innovative cash flow strategies with easy access to working capital
Clients average 5% increased revenue
15% decreased chargebacks
and 12% reduced debit card fees

 

 


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

One is a loan. The other is a sale.


Private credit business advances from insurance investment funds are fast and easy, and extremely competitive.
A business advance is the discounted sale of a potential 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 regulatory bureaucratic costs and delays.
Conventional lenders, brokers, and bankers have no interest in private credit business advances—literally.

Cost of money for a business loan is interest (plus fees).

 

CONVENTIONAL BUSINESS LENDING






Bank business loans have been displaced by private credit business advances.



Private credit working capital is intensely competitive, flexible and available
without the bureaucratic delays, difficulties and hidden costs of bank business loans.

PRIVATE CREDIT WORKING CAPITAL



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 much larger.




Superior cash flow strategies with safe easy access to working capital
directly from trusted sources
in your online account—with ongoing support
at no cost—no fees or reseller costs

 

 



Why not take a look today?  No effect on your credit. 

No fees. No reseller or broker costs. Open your account today.


worldpay independent agent since 2019
worldpay working capital - video below

 

Trusted non-predatory sources of working capital are screened to ensure fair and transparent pricing and terms.

Businesses apply and receive funds directly in their online accounts from non-bank trusted sources—not from resellers.

 


Resellers may include Square, Shopify, PayPal, Intuit, Klarna, Affirm, Amazon and card payments processors and banks found in the marketplace today. Three fintech cloud payments services providers lead the industry (I represent all three; each has different strengths).
All others may be resellers—or resellers of resellers.





private credit working capital for operations, expansion, and refinance

PYMNTS   January 15, 2024

Private Credit Booms as Main Street Firms Seek Capital Access

Almost half of Main Street businesses say they plan to increase the use of credit in 2024. 

25%
of businesses plan to use business credit cards, while 22% hope to use online sources.

Private credit
provides safe easy access to working capital for operations, expansion, and refinance
—to stay competitive—and to pay off business credit cards and merchant cash advances.
 


Question: Where do businesses access private credit working capital?

Answer: In their accounts directly at the source with superior ongoing support at no cost.


 

Private Credit Working Capital Displaces Business Bank Loans

 

Private credit working capital for operations, expansion, and refinance

 quick fair safe—easy approval—same day or next day funding



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.



smart money

 

 

 


 

 

 


Private Credit Working Capital  •  Fintech Cloud Payments Services


Clients average 5% increased revenue
15% decreased chargebacks
and 12% reduced debit card fees

 

 

Why are some businesses more successful than others? 

One reason is they have superior cash flow strategies.

Every business has a cash flow strategy. What's yours?

Does it require downloading POS updates?

Does it offer safe easy quick access to working capital?

What about direct marketing with your data to get & keep customers?


 



Supporting manufacturers & suppliers, distributors & wholesalers, retailers & services in most industries


With your cash flow operations data interacting all in one easy safe place
 in the fintech payments cloud, you can target direct marketing using your sales data
and customer information for effective low-cost campaigns to acquire and retain customers.

 

 

move up or fall behind

fintech cloud payments services



We don't call it a merchant account today,
and it's not called credit card processing anymore.

 

 

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:  "Your cash flow operations, payments and security need to interact in the fintech cloud."

  

worldpay from FIS independent agent since 2019

worldpay working capital - video below

 

Open your account today

 

 








worldpay and FIS (a NYSE public company) are trademarks of leaders in fintech cloud payments services with continuously updated programming and predictive bank security for maximum safety and performance, private credit working capital, and innovative cash flow strategies.
Their logos and videos are used with permission.


innovative cash flow strategies  •  private credit working capital  •  fintech cloud payments services


worldpay
click to view video


You do not need to contact in-house sales to request a phone call.
I am your authorized independent representative for worldpay with FIS.
Your cost is the same, and I offer more ways to support competitive businesses.

Phil Doyle  (415) 484-8661

text / voicemail


Payments at the Speed of Light
 click to view video


FIS

https://www.fisglobal.com/en 

Trusted by more than 1 million merchants globally

Supporting 95% of the world's leading banks

Three times larger than 3 closest competitors combined



Your business is unique.

So are the many reasons you might need funds. Whether it's to drive growth or to manage cash flow, Worldpay Working Capital powered by Liberis is a fast, flexible funding solution with terms that match the rhythm of your business. 

  • Fast, flexible alternative to loans
  • Simple funding: with one fixed cost and no penalty or varying fees
  • Get a no-obligation quote in as little as 5 minutes – and it won't affect your credit score.
  • Easy automatic payments, as a percentage of card transactions

 



You do not need to contact in-house sales to request a phone call.
I am your authorized independent representative for worldpay from FIS.
Your cost is the same, and I offer more ways to support competitive businesses.
Phil Doyle  (415) 484-8661  
text / voicemail

no fees - no effect on credit - no broker/reseller cost





FIS: The Global Innovation Report 2023

view & download secure pdf (32 pages)

 



why worldpay?

 

 

Clients average 5% increased revenue
15% decreased chargebacks
and 12% reduced debit card fees

 



 







 

I am your authorized independent worldpay representative.
Costs are the same as in-house sales.
I deliver superior service and attention—and more ways to stay competitive.


Phil Doyle — worldpay from FIS independent agent since 2019

innovative cash flow strategies  •  private credit working capital  •  fintech cloud payments services


 

Are you using a reseller for payments card processing?

Resellers are no longer required.
You might be with a reseller because ALL small businesses were required to use a reseller until recently (2020).

 
How do you know if you are with a payments services reseller?
(or the reseller of a reseller)

Compare costs and fintech capabilities.

Fintech cloud payments services use artificial intelligence for continuously updated predictive bank security and risk assessment for innovative performance and maximum safety for your business and customers.  Transaction fees are 1.5% (V MC).


With worldpay, you are using powerful AI on top of 50 years of payments experience for innovative cash flow strategies and simplified operations with maximum safety and performance.

Resellers are no longer required for small businesses, but using an independent representative is strongly recommended.

Clients are surprised when the cost of innovative cash flow strategies is about the same as what they were paying a reseller for basic payments card processing.

Some payments and finance resellers may include Square, Shopify, PayPal, Intuit, Klarna, Affirm, Amazon and most of the card payments processors and banks visible in the marketplace today.

Three fintech cloud payments services providers lead the industry, and practically all the others may be resellers—or resellers of resellers—that
may not have the deep fintech capabilites and breadth of data required for maximum safety and performance (and low cost).

Each of the three leaders has decades of experience and specific core competencies in certain areas, and one is far ahead of the others for small businesses under $50 million revenue and 500 employees - mainly because (after serving large enterprises and resellers for decades) they recently opened their platform directly for small businesses and no longer require resellers. However, an experienced independent representative is strongly recommended for best results at no extra cost.

 

Do you periodically download and install POS updates?

We all have seen software programs migrate to the cloud as support for older versions is terminated.
This is beginning to happen with the software for POS systems.

The day is coming when downloading periodic updates to your POS will cease because maximum safety and performance require continuously updated predictive bank security and programming updates—to protect your business and your customers.

Security experts warn that small business payments systems online and POS hardware are growing threats for online fraud. 

Don't be the last one to move up.  Be among the first.  Now.

It is a big competitive advantage because of superior security and innovative cash flow strategies with easy access to working capital.


Businesses that hesitate to move up risk falling years behind,
handing their customers to competitors.


 

Three Reasons to Think Differently about Your Cash Flow Strategy

Continuously updated predictive bank security for maximum safety for your business and customers

Easy fair safe direct access to private credit working capital with no broker or banker costs and delays

Reliable competitive performance with targeted direct marketing using your data to get and keep customers

 

 



Trends That Will Define Commerce and Payments in 2024

In a moment of massive transformation, businesses have to decide where and when to invest—and how to benefit from change.

     61% of businesses are enthusiastic about the impact of Artificial Intelligence (AI) on their business. AI will revolutionize commerce and payments in ways that are visible to customers and businesses.

     44% of businesses surveyed say embedded payments would be extremely important to their business in 2024. Embedded payments can help drive repeat sales, promote better cash management, enable seamless reconciliation, and more.

     62% of companies say reducing the amount of payment fraud is an urgent concern, more than any other issue. To combat evolving tactics, businesses are adopting more sophisticated, technology-enabled security and fraud prevention measures—from advanced multi-factor authentication to tokenization and encryption.

     23% of businesses say they plan to roll out live commerce over the next year. Live commerce presents a big opportunity for businesses—in 2024 and beyond.

     36% of companies introduced cashierless checkout in 2023, and 21% are considering using it in 2024. Technology that removes friction from the buying experience is accelerating like never before.
—Global Payments survey December 2023

 

NOTE

Searching online may not uncover private credit sources because they use independent agencies, trained reps, and teams of experienced professionals, not internet marketing. After decades of serving large organizations, they recently opened their platforms to smaller businesses directly. They are not familiar names so you may not recognize them if you do find them. They are established global entities with decades of expertise and networks of trained experienced professionals. Businesses apply for working capital directly from the source via their accounts online, no brokers or resellers.

There is no directory of private credit sources.

On the internet, you may not know what to trust. What you might find by searching are costly merchant cash advances with outdated credit card processing splits, and various resellers—or resellers of resellers, and web lead generators posing as lenders that sell and resell your information widely and inundate you with aggressive telemarketers and fraud.

 
Traditional lenders, brokers, and bankers have no interest in private credit working capital—literally.

 

 

Internet search for business finance offers up a dangerous global dump of serious fraud risks, fake information, artificial intelligence accusations, nefarious marketing, false advertising, elaborate scams, industrial disinformation, intentional falsehoods and dishonest competitor claims designed to mislead your decisions and threaten the security of your business, your bank account, your customers, and your confidential business information.  

Internet search for business finance is a treacherous minefield of dangerous advertising, lead generators posing as lenders, propaganda and documents that may not be what they seem. You may not be able to determine where to place your trust or what to believe with internet search for business finance. There is no editorial oversight, no controls, and anybody anywhere in the world can claim or say anything with impunity. Your business is too valuable and important. The risk is too great.   




The traditional business finance establishment (banks, government) is threatened by finance tech and artificial intelligence that are driving the explosive growth of private credit working capital from insurance investment funds. Their long-term viability is at risk. The conventional bank business lending regime is crumbling. Private credit working capital has displaced bank business loans because of superior finance tech with artificial intelligence for reliable speed and high confidence in risk assessment for larger proposals and flexible terms. The banks cannot compete. Their old controls, processes and regulatory oversight are cumbersome, outdated and ineffective in the accelerating digital 2020s. Don't let them hold you back.


 

smart money

 



What is a Private Credit Business Advance?

A private credit business advance originates from institutional investors such as insurance investment funds, hedge funds, and pension funds, not from a bank.

It is the oldest form of commercial finance going back to ancient farmers needing advances to buy seeds. The first known business advances were funded with 33% cost of money—factor rate—for barley and repaid at harvest with a percentage of the crop, and 20% interest for loans of silver.   

It is not a loan.
It is the discounted sale of future revenue.



Modern origins of private credit can be traced back to the 1980s when insurance companies began lending directly to companies with strong borrowing records. Insurance companies and their pension and investment funds deploy billions of dollars in a variety of private credit investing strategies including working capital for small businesses. Traditional lenders, brokers, and bankers have no interest—literally—in private credit working capital.

|



A business advance is a Revenue Purchase Agreement, not a loan.
Therefore, there is no lender, no interest rate, no finite term, no payment schedule, no collateral, and usually no recourse in bankruptcy. A factor rate determines cost of money. Credit scores are less important. Payments are a percentage of revenue—daily, weekly, monthly—until repaid. 



In California, private credit business advances from insurance industry investment funds are not regulated by state bureaucratic oversight or usury law. Intense professional competition holds down the cost of money, creates flexible options, and ensures superior service for clients from trusted sources.


B
usinesses are advised to use caution when searching or applying online for financing because private credit operates in an extremely competitive global investment industry without state bureaucratic regulatory oversight.
Businesses upload statements directly via their accounts online and receive proposals and funds directly from trusted sources with continuously updated bank security. No reseller or broker costs or delays.

Using an authorized independent rep for support (instead of risky Internet search) for navigating private credit working capital fintech platforms and payments tech processes is strongly recommended for best results at no extra cost. 

 


Why not take a look? 

Fintech artificial intelligence generates larger proposals for private credit working capital
with more flexible terms because of higher confidence in risk assessment.



Private credit working capital and innovative fintech payments
for large enterprises are nothing new. 

What IS new are private credit working capital and innovative fintech cloud payments
for small businesses directly from the source with no broker or reseller required.
 
Using an independent agent for ongoing professional support is strongly recommended for best results at no extra cost. Searching the internet for business finance is discouraged because of fraud. Finance tech and payments tech platforms and processes require learning new systems that constantly evolve; we will save you time. We have the training and experience in fintech and payments tech for business finance.


Businesses upload statements directly via their secure accounts online and receive proposals and funds directly from trusted sources with continuously updated bank security. No reseller or broker costs and delays. Using an authorized independent rep for support (instead of risking internet search) for navigating private credit working capital platforms and fintech payments processes is strongly recommended for best results at no cost.



 

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

popular working capital strategies:

examples only

  • Private Credit Business Loans (WebBank) - $5,000 to $400,000, 3-15 months - credit score sensitive

  • Private Credit Business Advances - based on gross sales - $25,000 to $400,000, no set term, larger $

  • Equipment Financing - $75,000 to $250,000, 2-5 years

  • Lines of Credit - $5,000 to $250,000, up to 24-months

  • Merchant Cash Advances - based on payment card volume, not gross sales - smaller $ amounts

  • Invoice Factoring - Discounted Sale of Receivables

  • Friends & Family, Crowdfunding, Business Credit Cards

  • SBA (7a) Working Capital Bank Loans - $30,000 to $500,000, 10 years - higher credit score required


Private Credit Working Capital Displaces Bank Business Loans



Bloomberg   December 2023

US state and local retirement pension funds are pumping billions into private credit,
joining the stampede into a booming sector of business loans and advances.

These systems are collectively allocating at least $100 billion of their roughly $5 trillion in assets into private debt, according to Equable, a bipartisan pension researcher founded by public finance leaders. While that’s only a sliver of their holdings at present, funds’ private credit positions have been steadily growing and are poised to take off as pension plans including the California Public Employees’ Retirement System — the largest among its peers and a bellwether — show a keen interest in committing more to the space.


 This is the Impact of Billions Flowing into Private Credit

Private credit is now so big that it's rivaling more traditional forms of lending.
And even banks (the very things private credit is displacing)
are getting in on the act and creating their own private credit.
click for Bloomberg podcast  (47 min) January 8, 2024




Businesses either grow or die.

54% of small businesses across the U.S. are at risk of financial difficulty.
-- Wall Street Journal (2023)

private credit working capital
 


|

 

Innovations and Opportunities

In a moment of massive transformation, businesses have to decide
where and when to invest—and how to benefit from change.



Private Credit Working Capital


click above to view video

 


How Private Credit Gives Banks a Run for Their Money

Bloomberg  

Need funding for your business or new factory or a buyout deal, but don’t like the terms your bank is offering?

There’s a $1.6 trillion industry
that’s ready to help. Private credit came of age after the 2008 financial crisis as an alternative to banks at a time when regulators were clamping down on risky lending by deposit-taking institutions. Today it’s become a serious rival to mainstream lending for all kinds of businesses, from real estate firms to tech startups. Money is pouring into private credit funds from insurance companies, retirement pension plans, sovereign wealth funds, and even the banks that compete with them.

 

According to the Federal Reserve, 49% of banks said they had tightened lending standards for small firms – those with less than $50 million in annual sales – during the July to September quarter 2023, up from 22% in the same period last year. In June 2022, big banks approved 15.4% of small business loan applications. The figure has dipped every month since and was at 13% in October. At smaller banks, about one in five funding requests were approved.





CONVENTIONAL BUSINESS LOANS

Since the financial crisis of 2008, policymakers have been cracking down on leverage at banks.
As a result, banks cut back on any lending that didn’t seem profitable enough if it wasn’t juiced by leverage.

The result was a big opportunity for insurance companies' investment and pension funds:  a private credit market
now estimated to be worth some $1.6 trillion and forecast to double in the next five years.

Ask most people how the price of money for bank loans is set, and they’ll say interest rates are determined by central banks like the US Federal Reserve. In fact, there’s a deeper logic at work. Fundamentally, the price of money (like the price of anything else) reflects the balance of supply and demand. A higher supply of bank savings pushes rates down. More investment demand pushes them up.




Bank loans to businesses stagnated in 2023.



As banks have retreated from risky lending,
direct lenders have marched in.

Bloomberg 

You’re seeing the rebuilding of Western capital markets beyond the banking system. The remarkable rise of private credit is a usurper of traditional Wall Street lending, a niche area of finance — where “nonbank” insurance funds lend money to riskier companies:  corporate and business loans and advances.

Professional outside investors such as insurance companies make loans directly from their investment and pension funds, unlike the banks which use ordinary customer deposits. That difference has kept the industry out of the crosshairs of regulators — until now, at least — allowing it to boom unhindered. Intense competition keeps rates and costs down and increases access to working capital for businesses. 



IMPORTANT NOTE
In California, history shows usury law exemptions for insurance companies embedded in the state constitution since 1934.  Usury and interest are the same thing, and states set maximum allowable interest rates for loans, and they sell usury law exemptions to lenders, brokers and agents—a license (tax) with regulatory oversight.

In 1934, voters amended the California Constitution to address interest rates and exempt certain lenders from these restrictions. As a result, specified lenders, including insurers licensed to do business in the state, were now exempt from the interest rate limitations.

 


 

Private Credit Business Advances Displace Bank Business Loans

There is a finance war waging between the conventional bank business lending regime and private credit insurance investment funds. At stake is billions of dollars of working capital for millions of small businesses.

Private credit working capital from insurance investment funds operates legally and freely in the intensely competitive global investment markets, not the banking industry. Intense competition for private credit working capital holds down the cost of money and provides superior service and flexible options.

Exempt from usury law in CA since 1934 and protected by the California Constitution, private credit working capital from insurance investment funds is not subject to the same state bureaucratic regulatory oversight as conventional lenders.

The fast growth of private credit working capital is perceived as an existential threat to the conventional bank lending regime and makes regulatory bureaucrats extremely nervous and desperate to slow or control the explosive expansion of private credit business advances or expand their licensing (tax) monopoly into unrelated new industries—or change the Constitution and remove the insurance funds' usury exemption. Banks have tried to create or acquire the fintech artificial intelligence required to compete, but not one has succeeded yet.

 


Businesses are advised to use caution when searching online for financing because private credit operates legally in the extremely competitive global investment industry outside of state bureaucratic regulatory oversight.  Search results are likely to be dominated by resellers, resellers of resellers, lead generators posing as lenders, disinformation and fraud.  


smart money

Intense competition at insurance investment funds
keeps costs low for private credit business advances.

 


It is critically important to use the #1 trusted sources directly for private credit working capital, but they are not easily found with internet search because for decades they have used reliable safe marketing channels - such as networks of trained professionals and experienced independent representatives. Only recently have they opened their platforms for small businesses directly—after serving large enterprises and resellers exclusively for decades. 
 
 


 

Compare your sources for easy access to private credit working capital
and innovative cash flow strategies to stay competitive.


Businesses are automatically using powerful artificial intelligence via their direct accounts at the source with fintech cloud payments services for superior safety and high performance to constantly improve results with continuously updated bank security and programming, innovative cash flow operations, and safe easy access to working capital with flexible quick easy private credit business advances.




Business finance works differently now
because of innovative finance tech, private credit working capital,
and safe easy fintech cloud payments strategies.



Businesses upload statements directly via their accounts online and receive proposals and funds directly from trusted sources with continuously updated bank security.

Using an independent rep as your guide (instead of searching the internet) for navigating new private credit fintech processes and systems is strongly recommended for best results at no additional cost.



Clients average 5% increased revenue
15% decreased chargebacks
and 12% reduced debit card fees



Fintech Payments vs. POS Systems
Smart Phones vs. Flip Phones

Google vs. Yellow Pages
Windows vs. DOS



Private Credit vs. Venture Capital

Venture Capital (for risky startups) reinvented itself as Private Credit (for good businesses) in the 2020s
because finance tech artificial intelligence produces safer and more aggressive risk assessment (larger proposals).
Same institutional investors. Same money. Different finance system.
 



Private Credit Business Advances vs. Bank Business Loans

While banks abandon small business loans, private credit working capital is available, fast, fair and easy. Pricing is determined by insurance companies' investment and pension funds with fintech artificial intelligence to assess risk and generate larger offers with flexible terms.  Private credit is not constrained by bureaucratic delays and costs that cripple the availability and affordability of business bank loans.  
 

 

The private credit market has roughly tripled in size since 2015, growing to a $1.6 trillion industry that includes traditional direct lending to smaller companies, buyout financing as well as real estate and infrastructure debt.  
--  Bloomberg  

 




Stay competitive with innovative cash flow strategies

Cash flow operations interact in the safe easy fintech payments for continuously updated bank security and payments programming, innovative high performance, easy fast access to working capital, and targeted direct marketing with your data to get and keep customers.



Take a look. It's how cash flow operates now.

We’re in the midst of a digital revolution. Emerging technologies like generative artificial
 intelligence (AI), blockchain, real-time payments and open banking continue to accelerate.

But one thing remains constant: No matter where or how consumers make a payment,
they want a consistent, seamless experience across all devices and platforms, 24/7/365.



POS hardware systems (with periodic updates) are increasingly lucrative easy targets for online crooks, putting businesses and their customers at risk for increasingly sophisticated attacks. Small businesses are vulnerable—sitting ducks—and the risks are growing. Your cash flow operations need to interact in the safe, easy fintech payments cloud for continuously updated bank security, reliable speed, and high performance—with targeted direct marketing using your sales data and customer information to acquire and retain customers—to stay competitive and safe.

With your cash flow operations interacting in the fintech payments cloud, you are using powerful fintech artificial intelligence for the highest possible level of safety and performance. Also, payments providers are replacing fee markups with fintech services and easy access to working capital—with transaction fees at 1.5% (V & MC). Your cost for the highest possible level of safety and performance may be about the same as what you are paying a reseller now for basic payments card processing. Payments providers also are replacing costly resellers with independent agencies. You may be with a reseller because resellers were required for small businesses until now.
 

We don't call it a merchant account today,
and it's not called credit card processing anymore.

 


 



    Why are some businesses more successful than others? 

One reason is they have superior cash flow strategies.


Every business has a cash flow strategy.  What's yours?


Does it require downloading POS updates?

Does it offer safe easy access to working capital with no broker?

What about direct marketing with your data to get & keep customers?


With your cash flow operations data interacting all in one easy safe place in the fintech payments cloud, you can target direct marketing using your sales data and customer information for proven effective low-cost campaigns to acquire and retain customers.

 

Use existing POS equipment for payments—or new—your choice. 


Private credit working capital, fintech payments, and Buy Now Pay Later digital customer financing are not a self-serve do-it-yourself one-time setup, so even with your accounts directly with the #1 trusted sources you need an experienced professional with proven effective strategies to stay safe and competitive—now and in the future.





 


worldpay and FIS (a NYSE public company) are trademarks of industry leaders in fintech payments services with continuously updated predictive bank security and programming for maximum safety and performance, private credit working capital, and innovative cash flow strategies. Their logos and videos are used with permission.  Phil Doyle is your authorized independent agent. You do not need to contact in-house sales to request a phone call.



2024 Commerce and Payment Trends Report
secure pdf  (49 pages)







innovative cash flow strategies  •  private credit working capital  •  fintech cloud payments services

Serving manufacturers & suppliers, distributors & wholesalers, retailers & services in most industries

Specializing in businesses under $10 million annual revenue and under 500 employees,
the definition of a small business according to the US Small Business Administration (SBA)


Compare your sources for easy access to private credit working capital
and innovative cash flow strategies to stay competitive.



Businesses are automatically using powerful fintech artificial intelligence via their direct accounts at the source for superior safety and high performance to constantly improve results with continuously updated bank security and programming, innovative cash flow operations, and safe easy access to working capital with flexible quick easy private credit working capital.



Private credit working capital eclipsed bank business loans as
responsive quick flexible fair extremely competitive easily available working capital.

The top three public companies that control the payments processing industry
(
I represent all three - each one has unique strengths and capabilities)
opened their platforms directly to small businesses with exciting easy safe low-cost
fintech payments strategies and safe easy access to working capital from insurance funds
—after decades of requiring small businesses to use resellers.

These are the payments services industry leaders with non-bank short-term private credit
from insurance investment funds with working capital for operations, expansion, and refinance.

 

 

 

Three Reasons to Think Differently about Your Cash Flow Strategy

Continuously updated bank security with maximum safety for your business and customers

Easy fair safe direct access to working capital with no broker or banker costs and delays

Reliable performance with targeted direct marketing using your data to get and keep customers

 




FINTECH THE FINANCE WORLD IS BUILT ON





FIS Ranks First in 2022 IDC FinTech Rankings





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


#1

 

Processing over 110 million transactions daily


 

Phil Doyle — worldpay from FIS independent agent since 2019
innovative cash flow strategies  •  private credit working capital  •  fintech cloud payments services

 


Phil Doyle is an authorized independent agent representing the #1 trusted sources
of
fintech cloud payments services, private credit working capital, and innovative cash flow strategies.



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 borrowThe 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.  


Fintech artificial intelligence generates private credit working capital with larger amounts and more flexible terms because of higher confidence in risk assessment.

smart money


     Private credit funds have become direct competitors for commercial banks, but they are not subject to the same bureaucratic oversight and regulatory supervision, so it is crucially important to use the #1 trusted sources. Digital lending directly from non-bank private credit sources is popular and quick because of fast computers and vast data (fintech artificial intelligence) and finance-savvy extremely competitive large insurance investment funds. 
 

 

 

The recent banking crisis (2023) triggered a pullback in business lending across industries, creating opportunity for non-bank short-term private credit.



About 46% of the banks surveyed by the Federal Reserve reported tightening lending standards
during the second quarter of 2023, compared with 39% in Q4 2022.


Insurance company investment and pension funds provide competitively priced flexible working capital for non-bank short-term funding directly to businesses with positive cash flows  



Private credit from insurance companies, pension funds and institutional investors, also known as private money or private debt, is not burdened with bureaucratic costs, delays, and controls that hobble the banking system for traditional business loans. Private credit is accessible, competitive, flexible, quick, easy and responsive to the needs of small businesses. Because of artificial intelligence, insurance companies take fintech calculated risks that banks avoid .






Private Credit Moves From Venture Capital and Mergers
 to Timeshares, Car Loans
, and Small Businesses

Bloomberg

As banks pull back, investment funds—cousins of private equity—make a move on Main Street.

Since the fall of Silicon Valley Bank in March (2023), banks across the US have been maneuvering to shore up their capital while deposits shrink and investors eye their balance sheets. The easiest way to do that has been to pull back on financing for small and midsize businesses as well as consumer credit companies such as buy now, pay later and auto lenders. That’s provided a huge opening for the new rising power on Wall Street: private credit.



The $1.5 trillion private credit market is appealing to institutional investors because private debt markets are likely to grow almost 11% annually through 2027. It is expected to expand exponentially beyond that as something similar to corporate debt - the bond market - for small and medium-size businesses.




innovative cash flow strategies  •  private credit working capital  •  fintech cloud payments services

private credit business advances for operations, expansion, or refinance

 


More banks stopped making business loans under $1 million.

Are you getting what you need from your bank?



Do you plan to keep the business and stay competitive?

Businesses apply directly online, upload financial documents, and receive offers and funds in their accounts directly from trusted sources with continuously updated bank security.  An authorized independent agent has a long-term interest in the continued security, growth and performance of your business. Private credit working capital and fintech payments services are essential strategies for competitive growth.
Resellers are no longer required. Resellers are being replaced by independent agencies.
 

Business finance works differently now because of innovative
fintech payments strategies with private credit working capital.




Safe Easy Non-Bank Short-Term Working Capital

Private Credit Business Advances
   Flexible, Fair & Quick    Trusted Sources

 —when your banker cannot do what you need

 


 


Fintech artificial intelligence generates larger private credit working capital amounts
with more flexible terms because of higher confidence in risk assessment.

privae credit working capital for operations, expansion, or refinance


As Bank Lending Falls, Business Borrowers
Turn To
Private Credit Business Advances

Forbes 2023

Where can businesses secure working capital?

Alternative sources are seeing more capital moved in their direction as institutional investors, such as insurance companies and pension funds, look for opportunities for higher yields against the backdrop of a new rate environment. Thus, these alternative providers have capital available to fund small business requests.




Banks warn of lending pullback

Politico  2023
U.S. banks expect to tighten loan standards across the board
in the second half of the year amid an “uncertain economic outlook,”
the Fed said Monday in its quarterly survey of lending activity.






"Where do I find a trusted source for private credit working capital?"




WARNING

Beware of authentic-looking web pages in business finance search results that may be convincing malicious fakes generated by artificial intelligence with disinformation placed there intentionally to mislead by various competitors, enemies, angry customers, or sophisticated persuasive scammers and over-reaching regulatory oversight. It is folly to believe naively or trust blindly anything found by searching the Internet when it involves business finance and your business.

Compare your sources for easy access to working capital
and innovative cash flow strategies to stay competitive.

Clients are automatically using easy powerful fintech artificial intelligence via their direct accounts at the source for superior safety and high performance to constantly improve results with continuously updated bank security and programming, innovative cash flow operations, and safe easy access to working capital with flexible quick easy private credit business advances.

 

Private credit working capital eclipsed bank business loans as
responsive quick flexible cost-competitive easily available working capital.



The top three public companies that control the payments processing industry
(I represent all three - each has unique core strengths)
opened their platforms directly to small businesses with exciting easy safe
low-cost fintech payments strategies and safe easy access to working capital—after decades of requiring resellers.
These are the leaders in non-bank short-term private credit from insurance investment funds
with generous working capital for operations, expansion, and refinance.

 

 

Scammers have been gaming Google results for years, making it hard for users to know when they can trust results.

Bloomberg

Private credit is private equity's cousin.

While private equity buys all or part of a company,
private credit provides working capital that is uniquely tailored to each business.




The Sorry State of Search
Is an Ominous Sign for the AI Era



If you search "business loan working capital merchant cash advance funding financing" etc.,

you need to ask how you'll know if you can trust what you find.
With hundreds of results - or more - how will you choose one or two?


Most "business loan financing" etc. search results and ads are for resellers
—or resellers of resellers,
and they may not be competitive for your business.

They may "shop your deal around" -- more fingers in your pie.
Many are lead generator companies posing as lenders that sell your information widely.
Most "business loans financing" search results and ads are probably lead generators.

Others could be fakes generated by artificial intelligence to steal your data.
Most claim to be direct lenders, and they all tend to look and sound the same.
Some promote small merchant cash advances that may be obsolete credit card splits.



AI Is Flooding the Web With Junk Content

Paris mayor quits X (twitter) calling social media a ‘gigantic global sewer’

November 2023 Reuters

 


IMPORTANT

Our experience shows that business owners are unlikely to find the #1 trusted sources with Internet search. (For instance, phildoyle.com is intentionally not indexed in Google search for privacy reasons.) If they do find one, they won't recognize it. These very large enterprises are not household names and only recently (2019) began serving small businesses directly without resellers. There is no public directory of business finance sources at this level of fintech services that serve small businesses directly - after decades of them all requiring resellers. Our trusted sources are established (multiple decades) large organizations with existing networks of experienced professional agents trained to screen and qualify prospects. They never needed Internet search for marketing, and they only recently (2019) began opening new accounts directly with small businesses (under $10M and under 500 employees).

Our #1 trusted sources
are the safest, fastest, oldest, biggest, and most innovative in business finance, and they may not show up prominently in internet searches because they never needed to do so.

 

Internet search for business finance offers up a dangerous global dump of serious fraud risks, fake information, artificial intelligence websites, nefarious marketing, false advertising, elaborate scams, industrial disinformation, intentional lies, and dishonest competitor claims and accusations designed to mislead your decisions and threaten the security of your business, your bank account, your customers, and your confidential business information. 

 

Internet search for business finance is a treacherous minefield of false advertising, lead generators posing as lenders, propaganda, and websites that may not be what they seem. You may not be able to determine what to trust.



We are extremely vigilant in protecting your confidential information and privacy.
We do not "shop your deal around." We do not sell your information.
Our proven relationships with trusted sources go back many years.



Let's talk and get what you need quickly from
the #1 trusted sources directly via your account
-- no reseller costs




We serve manufacturers & suppliers, distributors & wholesalers, retailers & services in most industries.

We specialize in businesses under $10 million annual revenue and under 500 employees,
the definition of a small business according to the US Small Business Administration (SBA).

 



We're like a professional recruiter—a headhunter for good businesses.

As the authorized independent agent for the #1 trusted sources, we are the opposite of a traditional commission-driven sales rep. We are not finance lenders, brokers, resellers, or bankers. We ensure a great fit all around long term, and we measure our results by how well we help clients achieve continued growth and performance in reaching their goals and solving their unique problems.



All of the above is why you need an experienced independent agent in the accelerating 2020s.
We support trusted sources and finance strategies to help you stay competitive.



Compare your sources


private credit working capital for operations, expansion, or refinance

 

 

Carefully consider your options.

A common mistake is focusing on the interest rate instead of total cost.
Six points to consider: total cost of funds offered, additional fees, term length, collateral required, reporting restrictions, and any special rules about paying off the debt. Repayment terms are unique to each loan. Are you allowed to pay off this loan sooner at a discount? Are you paying interest and principal all the way along, or a large principal repayment at the end?

 


 


Let's talk and quickly get what you need
directly from the #1 trusted sources via your account
-- no reseller cost. 




How to Stay Competitive



Clients average 5% increased revenue,
15% decreased chargebacks,
and 12% reduced debit card fees.

Why buy now pay later is a trend to watch

To ensure you're meeting customer payment preferences, buy now, pay later is a growing trend that you should explore.

BNPL is likely here to stay, but how it will look during a down economic cycle, with greater regulatory oversight or as interest rates rise remains to be seen."  Over the past few years, buy now, pay later  has gone from a niche payment method to one of the hottest trends in payments.

Installment payment plans are nothing new. Retailers like furniture stores have allowed customers to pay off large purchases in installments for decades. Buy now, pay later brings the concept into the digital age by allowing any retailer to offer installment payments for any product, no matter how small, both online and in-store.

BNPL payments are expected to account for nearly a quarter of all global ecommerce transactions by 2026, up from just 9% in 2021. Younger generations prefer BNPL. Insider Intelligence forecasts 59% of Gen Z and 53% of millennials will make a BNPL payment in 2026, compared to 41% of Gen X and 24% of baby boomers.

 

Working with a trusted fintech payments partner for innovative cash flow strategies, private credit non-bank short-term working capital, continuously updated bank security with high performance programming, and targeted direct marketing will help you navigate opportunities for a decisive competitive edge this year and beyond.


 

 







10 Reasons Why Your Payments Processing and Data
Need to be in the Fintech Payments Cloud

—because your customer information may be at risk on your POS equipment.

click here to view safe pdf  (open on desktop for best viewing)

 

Have peace of mind with continuously updated bank security and high performance payments programming with your cash flow and data operations interacting efficiently in the safe easy fintech payments cloud.
POS Downloads No Longer required

 


Visa, Mastercard Prepare to Raise Credit-Card Fees

Wall Street Journal    Aug 30, 2023

Merchants could end up paying an extra $502 million annually in fees, according to a consulting firm. The fee increases are scheduled to start in October and April.





Look at your cash flow & data operations in a different way

    
     In the accelerating digital 2020s, competitive businesses run their cash flow operations with safe easy innovative fintech payments, continuously updated programming and predictive bank security for absolute safety, reliable high performance, targeted direct marketing with their data, safe easy access to working capital, and low cost -- directly from the source -- designed specifically for their growing business -- no reseller costs. 
     Don't let an outdated reseller hold you back. Resellers are no longer required by the #1 trusted sources.





"We don't call it credit card processing anymore."

 


Clients are surprised when the cost of innovative fintech cloud payments
directly from the source is about the same as what they were paying
a reseller for basic service.  Resellers are no longer required.

 


    
Resellers are being eliminated
by the #1 trusted sources in business finance and payments because of innovative fintech. Resellers are being replaced by authorized independent agents. Resellers are no longer required since 2019.

     If you search the Internet for business loans or working capital funding, you may not know if you can trust what you find. Our #1 trusted sources have avoided mass search engine marketing or general directory listings, relying instead on a professional network of authorized independent agents with expert training and experience.

 


Which of the following are most important?



1. Absolute High Performance - simplified innovative cash flow operations, reliable speed

2. Safety - Bank Security - continuously updated, predictive fraud protection - no POS downloads

3. Customer Retention - direct target marketing with your data, extremely effective, measurable results

4. Customer Acquisition - personalized promotions, easy effective word-of-mouth advertising

5. Customer Financing - 100% digital in your fintech cloud payments, boost sales, no 3rd party

6. Access to Working Capital - safe easy private credit short-term advances from trusted sources

7. Robust Reporting - real time control, superior visibility, immediately spot trends and opportunities 

8. Fintech Cloud Payments - continuously updated programming, 1.5% transaction fee V MC cost

9. ALL OF THE ABOVE
 
 

To stay competitive, your cash flow operations, security, payments,
sales data, customer information, reporting, and access to working capital
need
to interact all in one easy safe place
in the innovative fintech payments cloud.


Clients average 5% increased revenue,
15% decreased chargebacks,
and 12% reduced debit card fees.

 

Let's talk and get what you need.

Expand and grow with confidence and safe easy access to private credit working capital strategies.

Look at your cash flow operations, security, and payments in a different way.

PHIL DOYLE

(415) 484-8661
text / voicemail

helping businesses stay competitive since 1988




Innovative Cash Flow Strategies



 Private Credit Working Capital • Fintech Cloud Payments • Digital Customer Financing


Retain Customers.  Improve Cash Flow.  Simplify Operations.

  

       Small business owners have a positive outlook for their business in 2023 as revenue expectations continue to rise and expansion plans have sharply increased, according to Bank of America.

 


https://newsroom.bankofamerica.com/content/dam/newsroom/docs/2022/Women%20+%20Minority%20Business%20Owner%20Spotlight%20ADA.pdf

 


        

Two-thirds of small business owners expect revenue to increase in 2023 while more than half plan to expand their business.  They’re planning new marketing initiatives, implementing tech upgrades and spending their time and energy tackling operational challenges.



Payments modernization is quickly becoming a top priority for businesses72% of corporate executives say modernizing payments infrastructure — including the addition of new payment gateways and processing capabilities — could be groundbreaking for their businesses over the next three years. Thirty-seven percent of merchants agreed with this analysis, saying that they plan to make payment processing investments over the next year.


83% of business owners plan to obtain funding
for their business over the next 12 months.



Bank of America small business survey - December 18, 2022

 

 

 

To stay competitive, your cash flow operations, security, payments,
sales data, customer information, reporting, and access to working capital all
need to interact in one easy safe place in the fintech payments cloud.

 

 

Clients average 5% increased revenue,
15% decreased chargebacks,
and 12% reduced debit card fees.

 




 
Fintech Payments are to POS Systems
what Smart Phones were to Flip Phones,

what Google was to the Yellow Pages,
and what Windows was to DOS.



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:  "Your cash flow operations, payments and security need to interact in the fintech cloud."
  


 


 










Safe easy access to non-bank short-term private credit working capital for operations, expansion, or refinance via your direct account
-- no reseller costs, no broker costs.

 

 


Bank Security.  We support 95% of the world's leading banks.

 

 

 

Unlock easy access to private credit

47% of business owners applied for non-bank business loans and advances in 2021, according to Federal Reserve Bank Small Business Credit Survey.

 

Safe easy access to working capital from the #1 trusted sources
directly with your account


No fees    No reseller costs

#1 Private Credit Short-Term Working Capital Strategies
#1 Customer Financing in Your Payments System - no third party

# Innovative Fintech Payments - Superior Bank Security and Performance 

Omnichannel Commerce  •  Simplified Pricing 1.5% transaction fee (V MC)

Continuously Updated Innovative Payments Programming & Predictive Bank Security

 




How's your business?


     
Proven strategies for private credit working capital, innovative payments services, and digital customer financing help businesses stay competitive. 

      Easily access private credit working capital for operations, expansion, or refinance|

      I do not charge fees or add to costs. Clients are surprised when the cost directly from the source is about the same as what they were paying a reseller for basic service. Resellers are no longer required by the #1 trusted sources. I work with a limited number of new clients each month. I hope you give us a chance to be your independent rep for worldpay working capital.

      Look at your cash flow operations in a different way to stay competitive.

Increase customer acquisition & retention.
Improve cash flow. Simplify operations.
Higher conversion rates.
Improved authorization & acceptance of all payment methods.
5% increase in revenue.
15% decrease in chargebacks.
12% reduction in debit card fees.

     Resellers are no longer required by the #1 trusted sources. You could setup your direct account yourself with an in-house sales person, but your cost would be the same, and you would need to learn how to get the best results from various options. You don't have time for that. That's what we do as your independent rep.  We have the experience.

     I am an authorized agent for the #1 trusted sources.  My service is no cost to you.
No fees. No effect on your credit.

Let me help you get what you need,
 
PHIL DOYLE  capital strategies

helping businesses stay competitive since 1988
(415) 484-8661
text / voicemail
 

 








Trusted by more than 1 million merchants globally

 

 

 

 

 

 

 

We support 95% of the world's leading banks.

 Decades of experience securely moving payments and vast sums
around the globe for banks and giant organizations.  Because of finance tech,
now serving small businesses directly -- resellers are no longer required.

 

Global enterprises, major banks, retailers and local merchants have trusted FIS for 50 years.  FISglobal  (new name after two oldest biggest leaders merged) 

 

 

Look at your Payments, Security and Cash Flow Operations in a Different Way

5% increased revenue  ..  15% decreased chargebacks  ..  12% reduced debit card fees
Higher conversion rates .. Improved authorization & better acceptance of all payment methods



Clients are surprised when the cost of innovative fintech payments directly from the source
is about the same or less
than what they currently pay a reseller for basic service.

 


 

You may choose to contact an in-house sales employee directy at our #1 trusted sources, but your cost will be the same, and you would miss out on the many other ways we add value to our clients' businesses to help them stay competitive.  Clients often receive larger offers and more attractive terms when we are involved to help guide the tech process, and we can make things happen faster most of the time.

If you search the Internet for business loans or fintech cloud payments,
you may not know if you can trust what you find. 




 Omnichannel Commerce  •  Fintech Payments  •  Simplified Pricing

Continuously Updated Predictive Bank Security
 

     Clients average 5% increased revenue, 15% decreased chargebacks, and 12% reduced debit card fees -- with higher conversion rates, improved authorization, acceptance of all payment methods, smarter use of sales data and customer information for direct target marketing with continuously updated predictive bank security to protect customer information and cash flow operations data - with reliable speed.

    
Cash flow operations -- sales data, customer information, bank security, inventory control, working capital, 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 in one easy safe place in the fintech cloud for continuously updated predictive security, absolute high performance, efficient simplified operations -- and better use of your data to improve customer service and inform you of sales trends, growth opportunities, and problems.



"If you are not staying competitive, you already might be years behind."



 

 


The #1 trusted sources now serve small businesses directly after decades of requiring costly resellers.  Access to working capital has shifted and works very differently -- to your advantage in many ways including cost.

If your cash flow operations, payments, and security are not interacting in the fintech cloud, you may be with a reseller.  If you need to download updates to your POS, you are not in the fintech payments cloud.  Don't be the last one to move up.  We can help you today.

Resellers are being eliminated and replaced by independent agents.  Resellers are no longer required because of fintech and payments tech.  Don't let a reseller compromise your business performance and security. 

Today every business needs digital accounts directly with trusted sources. 






Welcome to the Digital 2020s.
Resellers are no longer required.
Are you with a reseller? ...or the reseller of a reseller?

How can you tell if you are with a reseller? 

Compare cost and capability.



We add value and invest time in a client's business in multiple ways. 


We help businesses acquire and retain customers, improve cash flow, and simplify operations -- with continuously updated predictive bank security to protect your business data and customer information. 

click to view two videos

 



 Working Capital Strategies • Fintech Payments Services • Digital Customer Financing

 

Resellers are being eliminated and replaced with independent agents.




Compare your options.


Please call me today to compare strategies
and get what you need to stay competitive.

Phil Doyle  (415) 484-8661
text / voicemail


 






"We believe we're at the start of the digital Roaring 2020s
—the greatest economic recovery in history
beginning now with small businesses (2023).

Whether we are or not, how do you plan to stay competitive?"









easy access to private credit working capital for all kinds of businesses


manufacturers & suppliers, distributors & wholesalers, retailers & services 


To stay competitive in the 1960s:  "You need to accept credit cards to keep your 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, payments and security need to interact in the fintech cloud." 

    

 


 

We add value and invest time
in a client's business in multiple ways. 



We help businesses acquire and retain customers, improve cash flow, and simplify operations -- with continuously updated predictive bank security to protect your sales data and customer information. 

Safe easy access to working capital







Let's talk to compare and get what you need.

We can work together to solve your business goals.


No fees to apply.  No effect on your credit.
100% digital.  Easy and quick.  Safe.



     We’re far more than payments processing.  Easy to use, proven effective and trusted, worldpay from FIS is a leading provider of finance technology solutions for businesses of all sizes and across any industry globally. With unmatched scale, flexible architecture, trusted innovation and absolute performance, we’re the recognized leader of emerging fintech that influence the payments ecosystem. 
 

 









 

 

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 innovative safe high-performance fintech payments strategies
specifically for your unique 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





Do your payments and cash flow operations interact in the fintech cloud for efficient simplicity, continuously updated programming with predictive bank security, and precision high performance?

Cash flow operations -- sales data, customer information, inventory, loyalty marketing, gift card advertising, targeted personalized promotions, digital store, shopcart, omnichannel commerce, robust reporting, and payments processing -- all need to interact seamlessly in the fintech cloud for continuously updated predictive security, high performance, and efficient simplicity -- and better use of your real-time data to improve customer experience and better inform you of trends and opportunities faster and more clearly.



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

 

As an independent agent, we may provide assitance to trusted sources for advertising, marketing, client acquisition and development. There is no cost to use our experience.

We do not "shop your deal around."  We do not add to costs; our clients often receive larger offers with more flexible terms.  With us as their agent, clients enjoy clear benefits and competitive advantages -- at no extra cost.





 
Traditional resellers eliminated by finance tech



It costs nothing to use our knowledge, efficiency, experience, and business fintech sources.

We add value to our clients' businesses in multiple ways.

You will be in close contact with us and expert trusted sources regarding your direct account -- with us as your independent agent available anytime.  Your cost will be the same because we are an independent representative; we do not add to costs -- no fees, no hidden surprises.  Payments tech is not simple or self-service so you need a professional expert guide.  When you search online for business fintech services, you do not know if you can trust what you find.  Business owners do not have time to research sources because of constant innovation and fast change in fintech for access to working capital
, payments tech, and digital customer financing.



 

 

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 payments cloud for continuously updated predictive security & payments programming, high performance, and efficient simplicity -- and smarter use of your data for targeted direct marketing to get and keep customers.  High-performance precision cash flow operations with continuously updated bank security and payments programming are required  now to stay competitive in the Digital 2020s. It is low cost, probably about the same or less than you are paying now with a reseller.

The #1 sources in payments tech now serve small businesses directly  -- resellers no longer required
     After several mega-billion dollar mergers ($20B to $43B), they are the oldest, largest companies - 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 efficient simplicity, high performance, and continuously updated predictive security for fraud protection.  Compare sources today. Stay competitive in the digital 2020s.

    
 

  Retain Customers.  Improve Cash Flow.  Simplify Operations.

innovative competitive high-performance strategies
specifically for your unique 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

 

Working capital strategies specifically for your business.
No fees.






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

NEW YORK (AP) — Americans have grown fond of “buy now, pay later” services, but the “pay later” part is becoming increasingly difficult for some borrowers.

 

 


Four ways businesses can dodge loan scams and predatory lenders

1. BE WARY OF EXCESSIVE SPEED
2. NEVER PAY MONEY UPFRONT
3. EXPLORE ALL OF YOUR LENDING OPTIONS
4. SURROUND YOURSELF WITH THE RIGHT EXPERTS


 

We help businesses run their secure cash flow operations
like a precision machine 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,

(415) 484-8661

text / voicemail

 





 





Fintech Cloud Payments

Turn customer transactions into smarter connected experiences








Retain Customers. Improve Cash Flow. Simplify Operations
Continuously Updated Bank Security & Payments Programming


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




"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."

      

 

 


manufacturers & suppliers, distributors & wholesalers, retailers & services 


           

           
       
           
 
    
    

we serve most business categories

 

 


How Commerce Has Changed Forever


 

 Fintech Payments / Omnichannel 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.

 



Stay Competitive in the Digital 2020's


Golden Era of Fintech Cloud Payments & Access to Working Capital



The key to staying competitive is leveraging fintech payments from the #1 sources.
If you are not staying competitive, you already may be years behind.




     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 CLOUD PAYMENTS

Simplify operations, retain customers, and improve cash flow



Omnichannel digital commerce with fintech cloud 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 Cloud Payments & Omnichannel Commerce
 

     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.

     We serve businesses of all sizes in most industries:  automotive, manufacturing, distribution, retail, business and professional services, home improvement, contractors, construction, oil and gas, mining, technology, and pharmaceuticals.  Working with an independent fintech payments agency and sources that deal regularly with companies in your industry is a tremendous benefit.





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 agent representing the #1 sources (safest, fastest, biggest, oldest), 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.

    


What's next?

Compare your sources in all three areas

 Private Credit Working Capital • Fintech Cloud Payments Services • Digital Customer Financing

Compare strategies and get what you need.
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 better informed, 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. 

 


 




 

Business owners say innovation
is vital to stay competitive.

   

Dear Business Owner, 
     I have thirty years in working capital strategies, payments services, and customer financing.  I help businesses stay competitive.  I do not charge fees or add to costs. 

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

Safe easy access to working capital via your account directy at the source. 

Expand and grow with confidence. 

I represent the #1 trusted sources (safest, fastest, biggest, oldest) in all three areas. 

          #1  Private Credit Safe Flexible Easy Short-Term Non-Bank Working Capital
          #1  Fintech Cloud Payments / Continuously Updated Predictive Bank Security
          #1  Customer Financing, Buy Now Pay Later -- in your payments -- no 3rd party

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

     We are trusted leaders - oldest, safest, biggest, fastest - with superior fintech cloud payments for small businesses, continuously updated programming and predictive bank security with simplified pricing in all three areas.  We have helped thousands of businesses like yours. 

     If you are not staying competitive with innovative fintech cloud payments and cash flow operations, you already may be years behind with security and performance. Compare sources

Private credit working capital is a safe convenient business resource because of innovative fintech.

Call today to compare strategies and get what you need.


How's your business?  


Phil Doyle   capital strategies
phildoyle.com   (415) 484-8661 text / voicemail

helping businesses stay competitive since 1988

Working Capital Strategies  •  Fintech Cloud Payments  •  Digital Customer Financing





examples only below - info not updated - for educational only

 




Private credit is a now convenient business resource because of superior fintech.





Compare strategies and get what you need.


Expand and grow with confidence.

Easy access to private credit working capital


Flexible Short-Term Private Credit Working Capital Strategies
Omni-Channel Commerce  •  Fintech Cloud Payments  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Digital Customer Financing



100% digital. Easy, quick and safe. Fintech. Payments tech.

responsible straight-forward ethical business practices that put people first