phildoyle.com is not indexed in Google search for privacy    no fees   desktop site-view wide   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
phildoyle.com


(775) 234-2006
text / voicemail





helping businesses stay competitive since 1988

up to $50 million revenue and 500 employees




private credit working capital

innovative fintech cloud payments


fair transparent pricing and terms

 


What is a private credit business advance?
—video below


 

How's your business?

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

How will you stay competitive in the accelerating digital 2020s?




Business finance is cash flow strategy.

Will you look at a proposal?


worldpay from FIS independent agent since 2019

worldpay working capital



Request a proposal today - secure digital pdf
n
o fees - no effect on credit - no broker or reseller cost


Why trust worldpay from FIS?  
—50 years of leadership   —s
ee below


Why use me as your independent agent instead of an in-house company sales employee?

Because I have more ways to help you stay competitive —and three decades of experience.








Are you getting what you need from your bank?

 

Bank Business Loan  vs.  Private Credit Business Advance


Two different kinds of capital from completely separate business finance systems:
Conventional bank loan (depositors' money)  vs.  Private credit business advance (investors' money)


One is a loan with interest.

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




Private credit business advances.  Flexible terms. 

Extremely competitive cost of money.





Private Credit Working Capital

Will you look at a proposal?
fair transparent pricing & terms from trusted sources

 


Private credit working capital has been available to large enterprises for decades.


What is new today is private credit working capital for small businesses—money for operations, expansion, or refinance—with safe easy application and funding directly through their secure account. No broker or reseller fees. No collateral or personal guarantee. No business plan required. Credit score less important. Larger proposals. Flexible terms. High approvals. Convenient streamlined process.
 Same day or next day direct deposit funding.


The terms working capital, business advance, merchant cash advance, revenue financing, cash flow financing, non-bank funding are often used interchangably.
 Many people incorrectly refer to them all as loans.







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


innovative cash flow strategies
  •  fintech cloud payments services

private credit working capital



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

 

 

Business Finance is Cash Flow Strategy

Payments card processing, security, sales data, customer information, and reporting
all need to interact with AI in the fintech payments cloud for maximum safety and performance
 including targeted direct marketing and access to working capital.

Cash flow operations have moved to the fintech payments cloud.
Don't be the last one to move up. Move today with our help. We make it easy.




smart money



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

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

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

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





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?

How will you stay competitive in the accelerating digital 2020s?

 


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

 

Hello Business Owner,
    
I represent the #1 trusted sources (safest, fastest, biggest, oldest) for innovative fintech cloud payments services and private credit working capital. 
They do bank-level agent background checks.

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

Business finance is cash flow strategy:

 
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. Request a proposal. No fees.

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

     Safe easy working capital application and funding are available directly in your account with continuously updated bank security and programming for the highest safety and performance. 

     Business finance is cash flow strategy for acquiring and retaining customers with innovative fintech cloud payments services and trusted non-predatory sources of private credit working capital —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 higher confidence in risk assessment for flexible proposals at extremely competitive cost.  Business loans from traditional banks and community banks are slow and difficult with excessive declines.  More below.


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

     Businesses need to move up to the highest levels of performance and safety today—as described in this resume—or risk missing out and being left behind, and they need to move up now so they don't give away their customers to competitors. The cost may be about the same as what they are paying for basic service from a reseller.
 

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

Phil Doyle
phildoyle.com
(775) 234-2006 text / voicemail


helping businesses stay competitive since 1988


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

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

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

 

Private Credit Business Advances vs. Bank Business Loans
Fintech Cloud Payments vs. POS Systems
Smart Phones vs. Flip Phones
Google vs. Yellow Pages
Windows vs. DOS


Private credit provides financing directly to businesses. It has become a valuable alternative to traditional lending from banks, especially for small- to medium-sized businesses that often do not qualify for loans from traditional banks or need capital beyond what banks are willing to provide.
—American Investment Council



Private Credit Business Advances Displace Bank Business Loans

At stake is access to billions of dollars of ultra-competitive working capital for millions of small businesses.
Intense competition for private credit working capital effectively holds down the cost of money and encourages superior service and selection.

Conventional bank business lending is limited by lack of finance tech and artificial intelligence which are required to compete in the digital 2020s. Artifical intelligence threatens those without it with obsolesence, irrelevance, and the inevitable rise of innovative leadership. We are witnessing a highly responsive new business finance system emerging with private credit working capital for operations, expansion, and refinance from trusted sources with decades of business finance experience.



"Private credit has become indispensable for businesses seeking financing
and is increasingly becoming their preferred option.”

Drew Maloney, President & CEO of the American Investment Council



May 7, 2024    The Private Credit Landscape      American Investment Council (AIC)
The private credit market is offering a lifeline for businesses and strong returns for investors, according to a new report. 
The American Investment Council says that small and middle market businesses are increasingly leveraging private credit.
  For businesses unable to secure traditional bank lending at all or of the size required, private credit is providing another route.

“Private credit is playing a crucial role in supporting businesses and delivering impressive returns for investors, especially in uncertain times,” said Drew Maloney, President & CEO of the American Investment Council (AIC). “The industry’s resilience and flexibility are filling market gaps and providing customized financing solutions.
Private credit has become indispensable for businesses seeking financing and is increasingly becoming their preferred option.” 



Private credit business advances
displace conventional bank businesss loans

 

Conventional banks say they cannot make money on most business loans under a million dollars because of increasing compliance costs. Community banks are slow and are known for small loans to minority-owned businesses in disadvantaged areas. Both have high declines.



Instead of protecting competitive small businesses, regulatory bureaucracies have hurt them by making it harder to get the money they need to thrive and grow. Private credit working capital is a smart easy quick alternative to slow difficult conventional bank loans and small loans from community banks. 
—more below


 

FORTUNE  January 2024

Securing funding for a small business in the U.S. looks a lot different than it used to. Historically, small business owners had two main options: attracting investors–or approaching banks for loans. However, the lending landscape has shifted and a growing number of small business owners are exploring an alternative source of capital: private credit.


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.  Request a proposal today.

 


The terms working capital, business advance, merchant cash advance, revenue financing, cash flow financing, non-bank funding are often used interchangably.
 Many people incorrectly refer to them all as loans.




highest levels of safety and performance

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



Get what you need—all in one place

Request a proposal today 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 strategic campaigns


 click image for brochure


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

Cost is probably about what you may be paying now for basic payments processing from a reseller.





Clients are automatically using powerful fintech artificial intelligence (AI) 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.




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 market forecasting, risk management and customer engagement.





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

NEW YORK — AP
    May 26, 2024

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

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




Businesses that hesitate to move up risk falling years behind,

handing their customers to competitors.


innovative cash flow strategies


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


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

 

 

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



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

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



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

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

 


CONVENTIONAL BUSINESS LENDING
traditional banks & community banks



“You could see some banks either fail or at least, you know, dip below their minimum capital requirements,” Christopher Wolfe, managing director and head of North American banks at Fitch Ratings, told CNBC.  - May 1, 2024




Banks have tried to create or acquire the finance tech and artificial intelligence
required to compete today, but not one has succeeded.


The growth of private credit working capital is perceived as an existential threat to conventional bank business lending regimes, and they are exposed and vulnerable.  More banks say they have stopped making business loans under one million dollars because they are not profitable. Regional banks are stressed because of onerous regulatory requirements and may need to avoid costs of innovation and risks.

 







PRIVATE CREDIT WORKING CAPITAL

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



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

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

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



The terms working capital, business advance, merchant cash advance, revenue financing, cash flow financing, non-bank funding are often used interchangably.
 Many people incorrectly refer to them all as loans.

 


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

 

FORTUNE  January 2024

Since the late 1970s, small and medium-sized businesses have tapped into private credit, often when they did not qualify for loans from traditional banks or needed capital beyond what banks were able to provide.

In the past decade alone, the private credit sector has witnessed an impressive increase from $400 billion to $1 trillion in assets. Some of the largest private equity firms are expanding their private credit operations, and investors ranging from pension funds to family offices are making greater investments in the asset class.  

Small businesses across all 50 states benefit from private credit. Importantly, most are small businesses with revenues below $100 million.

Some critics want to subject private lenders to requirements and regulations in line with those of banks. These misguided calls fail to take into account the major differences between private credit and traditional bank loans, in particular the fact that private lenders do not use customer deposits to make bank loans. Also, private lenders engage in several risk-reducing characteristics that are inherent to the private credit business model.

Private equity and credit firms are appropriately regulated
by the U.S. Securities and Exchange Commission (SEC).


Private credit firms, generally among other requirements, are subject to registration with the SEC, on-site SEC examinations, comprehensive compliance programs, and regular reporting of asset and business information to the government.

Drew Maloney is the president and CEO of the American Investment Council (AIC), the leading advocacy and resource organization established to develop and provide information about the private investment industry and its contributions to the long-term growth of the U.S. economy and the retirement security of American workers.

 

 

"Private credit has become indispensable for businesses seeking financing
and is increasingly becoming their preferred option.”

Drew Maloney, President & CEO of the American Investment Council


 

FINANCE WAR

Private credit working capital emerged as a threat to conventional bank business loans because of artificial intelligence (AI) and finance tech. The traditional bank business lending regime is attempting to limit the rise of private credit working capital with proposed legislation to require a license for taking any business-to-business credit application, and there are reports of anti-competitive activities and attacks on private credit to defend banks' historic monopoly of finance lending. It is a high-stakes head-on finance war involving billions of dollars for small business growth. Banks are losing because of excessive declines, deficient loan amounts, and slow decisions.  Banks are failing to keep up with the working capital needs of small businesses. Don't let them hold you back.

Business finance is cash flow strategy, and banks do not own it or control it.
Private credit working capital is not available from traditional finance lenders, brokers, bankers, or resellers because there is no interest in it. Private credit working capital is global and is subject to regulatory oversight by the US Securities and Exchange Commission (SEC), not state-by-state bureaucratic agencies.



 



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

No fees. No reseller or broker costs.


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 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. 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 with superior 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.

 


Business finance works differently now because of innovative
fintech cloud payments & cash flow strategies and private credit working capital.

 

smart money

 

 

 


 


https://www.worldpayworkingcapital.com/


click image below - skip opening ad

https://www.liberis.com/






Fintech Cloud Payments Strategies


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 all interacting with AI in one easy safe place
 in the fintech payments cloud, you can target direct marketing using sales data
and customer information for effective campaigns to acquire and retain customers.

 

 

move up or fall behind

fintech cloud payments strategies


worldpay from FIS independent agent since 2019

worldpay working capital - video below

 


Innovative fintech cloud payments & cash flow strategies

Trusted sources of safe easy private credit working capital

Fair transparent pricing and terms




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 all need to interact with AI in the fintech cloud."

  

Why worldpay from FIS? 

 










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


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

Phil Doyle  (775) 234-2006

text / voicemail


FIS
https://www.fisglobal.com/en 

 
https://www.fisglobal.com/retail
video
https://www.fisglobal.com/restaurants
video


Trusted by more than 1 million merchants globally

Supporting 95% of the world's leading banks

Three times larger than 3 closest competitors combined


worldpay
click to view video


worldpay working capital
https://www.worldpay.com/en/products/working-capital





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 your account in 5 minutes – and it won't affect your credit score.
  • Easy automatic payments as a percentage of card transactions

 




https://www.worldpayworkingcapital.com/

 

click image below - skip opening ad

https://www.liberis.com/
more info

 



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





FIS: The Global Innovation Report 2023

view & download secure pdf (32 pages)

 

click to view video

 

 

Stay competitive in real time as major change happens quicker.


May 15, 2024  NEW YORK (AP)  
Visa on Wednesday announced major changes to how credit and debit cards will operate in the U.S. in the coming months and years
.

They will be some of the biggest changes to how payments operate in the U.S. since the U.S. rolled out chip-embedded cards several years ago. They also come as Americans have many more options to pay for purchases beyond “credit or debit,” including buy now, pay later companies, peer-to-peer payment options, paying directly with a bank, or digital payment systems like Apple Pay.

“I think (with these features) we’re getting past the point where consumers may never need to manually enter an account number ever again,” said Mark Nelsen, Visa’s global head of consumer payments, in an interview.

 

 

The Wall Street Journal   May 6, 2024

How Online Shopping Is Saving the Bricks-and-Mortar Store

Retailers are increasingly relying on their shops as fulfillment hubs

More national retailers are integrating their digital and in-store shopping experiences.  Store owners once viewed e-commerce as a mounting threat to their survival. Now, more bricks-and-mortar stores are thriving after integrating their properties with the online shopping experience.  Shoppers browse in person to see, touch or try on items before ordering them online. They are picking up or returning purchases in stores. And retailers are increasingly relying on their shops as fulfillment hubs, shipping items ordered online from store stockrooms …

 



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
with 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 payments are growing threats for online fraud. 

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

It is a big competitive advantage because of superior security and innovative cash flow strategies and 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




UNBELIEVEABLE SEARCH RESULTS

More than ever, search results for business finance
may not be what they appear to be
because finance tech and artificial intelligence (AI)
have enabled a stunning proliferation of world-class fraud
and misinformation that is global and extremely sophisticated.
Cautious skepticism is advised because you cannot know
who is behind some pages, or why, or even if the page you find is real.

Searching the web now for business information can be a fool's errand—or a dangerous goose chase.


Google just updated its algorithm. The Internet will never be the same.
https://www.bbc.com/future/article/20240524-how-googles-new-algorithm-will-shape-your-internet
May 25, 2024
Over the last two years, a series of updates to Google Search amount to a dramatic upheaval to the Internet's most powerful tool, complete with an unprecedented AI feature. The changes came about because Google recognises the web has a problem. You've seen it yourself, if you've ever used a search engine. The Internet is dominated by a school of website building known as "search engine optimisation", or SEO, techniques that are meant to tune articles and web pages for better recognition from Google Search. The trouble is SEO can be abused. But the biggest offence, according to the website owners and content creators who spoke to the BBC, is the AI generated responses.



  

AI Fake Reporters Make It Harder for Readers to Tell Truth From Fiction

Bloomberg  May 17, 2024

"It’s degrading trust in an already-chaotic news environment,"
said Hannah Covington, the senior director of education content at the News Literacy Project.

...“it’s important to remind people: Don’t let AI technology undermine your willingness to trust anything you see and hear.”

 

 

NOTE

      I no longer search the internet for business information because of artificial intelligence (AI) risks.  My team and I use the internet and email to send and receive documents. And we have numerous trusted sources online for news and information. 

Warren Buffett, legendary investor, said he viewed an AI generated video image of himself saying things he would never say, and he warned that not even his wife or children would be able to tell it was not actually him. 

The reality now is that any website or document found by searching the internet may be AI generated — or intentionally misleading malinformationand you may not be able to tell what search result to believe or trust, or if it is real, or who put it there for you to find, or why.  We believe AI is killing the credibility of internet search for business because every search result is suspect now with artifical intelligence and total lack of factual truthful editorial oversight. Search results may not be what they appear to be especially with regard to business information and business finance.

 

Searching online may not uncover private credit working capital sources because they use independent agencies, trained agents, and teams of experienced professionals—not internet marketing. After decades of serving large organizations, they recently opened their platforms to small businesses directly; resellers are no longer required. 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 working capital 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 to inundate you with aggressive telemarketers—and fraud.

 
 

 

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 falsehoods and dishonest competitor claims designed to mislead your decisions and threaten the security of your business, your bank account, your customers, and your business information.  

You may not be able to determine what to trust or believe with internet search for business finance. With no editorial factual oversight—no controls whatsoever—anybody anywhere in the world can claim or say or offer anything with impunity. Scammers are increasingly sophisticated. and small businesses are increasingly at risk.  It is only expected to get worse.  —more below



 

smart money

 

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


What is a Private Credit Business Advance?

A private credit business advance comes from insurance investment funds, hedge funds, 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% cost of money for advances of silver for working capital.   

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.



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. 



 Intense competition for private credit working capital
holds down the cost of money and creates flexible options with superior service.

Private credit business advances are not available from traditional finance lenders, brokers, or banks because they have no interest in it—literally.



Why not look at a proposal? 

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 with innovative fintech payments services
for large enterprises are not new. 


What IS new are private credit working capital with innovative fintech cloud payments services for small businesses directly.


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 agent for support (instead of risking internet search) for navigating fintech payments processes with private credit working capital platforms is strongly recommended for best results at no cost.



Inc.   May 9, 2024

Over the first three months of this year, 21 percent of banks tightened lending standards for small businesses with less than $50 million in annual sales, according to the Federal Reserve's most recent Senior Loan Officer Opinion Survey released on Monday. That marked an increase from the fourth quarter of last year when 19 percent of banks tightened loan standards. Only two percent of banks eased lending standards for small businesses during the first three months of this year. 

The credit pullback was most pronounced in small and medium banks, which tend to be the go-to lenders for small businesses, with 30 percent of non-large banks tightening their loan standards for small businesses.



Bloomberg

US business activity accelerated in early May 2024 at the fastest pace in two years,
largely reflecting stronger growth at service providers and accompanied by a pickup in inflation.

The S&P Global flash May composite purchasing managers index advanced by more than 3 points to 54.4, the highest since April 2022. Figures higher than 50 indicate expansion. The gauge topped all estimates in a Bloomberg survey of economists.


Wall Street Journal    May 8, 2024

Profits Are Booming—and That’s Shielding the Economy

CEOs are upbeat, and results are on the upswing.

With corporate profits on an upswing, a major downturn in the economy could be far away.


 

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

popular working capital options:

examples only

  • Private Credit Business Advances - based on gross sales - $25,000 to $600,000, no set term, larger $ amounts

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

  • 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 payments processing split, not gross sales - smaller $ amounts

  • Invoice Factoring - Discounted Sale of Receivables

  • Friends & Family, Crowdfunding, Business Credit Cards

 

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

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
 


|
Business finance works differently now
because of  fintech cloud payments with 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
traditional banks and community banks

(Bloomberg)   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. 


Banks have tried to create or acquire the fintech artificial intelligence required to compete, but not one has succeeded yet. The fast growth of private credit working capital is perceived as an existential threat. More banks say they have stopped making business loans under one million dollars because they are not profitable. Regional banks are stressed because of onerous regulatory requirements and may avoid costs of innovation and risks of business loans.


Businesses are advised to use caution when searching for financing because private credit operates in the extremely competitive global investment industry.  Search results are likely to be dominated by resellers, resellers of resellers, lead generators posing as lenders, false claims, malinformation and fraud. It can be impossible to know what to trust or where it's coming from or who put it there or why.  


smart money

Intense competition holds down cost of money
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. Resellers are no longer required for small businesses. 
 
 


 

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 private credit business advances.




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



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 agent 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



Private Credit Business Advances vs. Bank Business Loans
Fintech Cloud Payments vs. POS Systems
Smart Phones vs. Flip Phones

Google vs. Yellow Pages
Windows vs. DOS


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


Private Credit vs. Venture Capital

Venture Capital (for risky startups) reinvented itself as Private Credit (for good businesses) in the 2020s
because finance tech and artificial intelligence produces more accurate risk assessment.
Same institutional investors.  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 investment  funds with fintech artificial intelligence to assess risk and generate larger offers with flexible terms.  Private credit working capital 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 all need to interact with AI in the safe easy fintech payments cloud for continuously updated bank security and payments programming, innovative high performance, easy safe 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 all need to interact with AI 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 all interacting with AI 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 campaigns to acquire and retain customers.

 

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


Private credit working capital, fintech cloud 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.






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 innovative cash flow strategies
with access to private credit working capital to stay competitive.



 

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, innovative cash flow strategies, and private credit working capital.


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


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, and it is crucially important to use the #1 trusted sources. Working capital directly from trusted private credit sources is popular, easy and quick because of fast computers and vast data (fintech + artificial intelligence) and finance-savvy extremely competitive 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.





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.


Traditional bank business lenders are threatened by finance tech and artificial intelligence.
Their long-term viability is at risk. The conventional bank business lending regime is crumbling and attacking private credit working capital because it is a major threat to their historic monopoly of business finance lending. Private credit business advances displace bank business loans because of superior finance tech and artificial intelligence for reliable speed and higher confidence in risk assessment for larger proposals and flexible terms. The banks cannot compete. Their controls and processes are cumbersome, outdated and ineffective in the accelerating digital 2020s.
Don't let them hold you back.


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

 

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 cloud 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 cloud payments strategies with private credit working capital.





Private Credit Business Advances
   Flexible, Fair & Quick    Trusted Sources

 —when your banker cannot do what you need

 


 



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 businesses access private credit working capital?
In their secure accounts online—not via internet search.

Compare your sources for innovative cash flow strategies with easy access to working capital 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, with safe easy access to working capital with flexible quick easy private credit business advances.



WARNING

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

 

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 or safe for your business.

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

Others could be believable fakes generated by artificial intelligence to steal your data.
Many claim to be direct lenders when they are not, and they tend to look and sound the same.



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, 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 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, documents 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.

Your information is not entered in any web database.
Your Proposal Request via pdf email attachment is safe.
 

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 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 digital 2020s.
We support trusted sources and strategies to help you stay competitive.



Compare your sources


  

Carefully consider your options.


 


 


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 with private credit 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 highest 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 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 business 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
all need
to interact with AI 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 soon and get what you need.

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

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

PHIL DOYLE

(775) 234-2006
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 with AI in one easy safe place in the fintech payments cloud.

 

 

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

 




Private Credit Business Advances vs. Business Bank Loans 

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

Google vs. Yellow Pages,
Windows vs. DOS

 










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

 

 


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

 

 


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
#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?



 




 

 

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.

 

 


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

 
 

 


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



 



Fintech Cloud Payments

Turn customer transactions into smarter connected experiences




 

 


manufacturers & suppliers, distributors & wholesalers, retailers & services 


           

           
       
           
 
    
    

we serve most business categories

 

 


How Commerce Has Changed Forever




     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






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.

 

      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. 






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 cloud security and speed for innovative performance.
If you are not staying competitive, you already may be years behind.

"Acquire and retain customers, improve cash flow, and simplify operations
with fintech cloud payments and omnichannel commerce."



Compare strategies to stay competitive.
   No fees.


The key to staying competitive is to leverage
superior finance tech from the #1 sources.
 


 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.

 


 

 

 

 

   

 






phildoyle.com

PHIL DOYLE

(775) 234-2006
text / voicemail


   
(above photo 2023)

   

        

 

 

PROFESSIONAL:

My company is Admark Capital
— a business finance agency for the digital 2020s

admarkCapital.com


Business finance is cash flow strategy.    


Responsible straight-forward ethical business practices that put people first —with integrity

helping businesses stay competitive since 1988

Representing the #1 Trusted Sources (safest, fastest, oldest, biggest) for fintech cloud payments and private credit working capital

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

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

Targeted Direct Marketing with Your Sales Data and Customer Information to Acquire and Retain Customers




TRUST & PRIVACY

I have no presence on social media, directories, news, or Google search  —other than phildoyle.com
        phildoyle.com is not indexed in Google search for privacy

I am fanatical about privacy and confidentiality of clients' privileged business and personal information.

I am an independent agent for the leading payments services providers with private credit working capital. 
     They do bank-level agent background checks
.  

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

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



RESEARCH INTERESTS


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


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




POLITICAL INTERESTS

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



BUSINESS FINANCE HISTORY


Favorite finance book:
     The Price of Time - The Real Story of Interest  (2022) Edward Chancellor


CREATIVE INTERESTS

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




BUSINESS:

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

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

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

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


MARKETING & ADVERTISING:

Created and implemented fast growth strategies for increased advertising revenue - print and digital - for five business journals in San Francisco Bay Area:  Computer World magazine; Electro Optical Systems Design magazine; North Bay Business Journal; East Bay Business Journal; Wine Country Business Journal  -- and weekly newspaper Tahoe World in Tahoe City CA

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

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

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

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


PASSIONATE:

Skiing deep Winter powder and steep Spring snow


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

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

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

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


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



MENTORS:

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




VALUES & INTEGRITY:

We become what we think about most

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

What does the person in front of you need or want?

Success comes to those who give more than they receive

Those who think it is permissible to tell white lies soon grow colorblind

You’ll never succeed beyond your wildest dreams unless you have some wild dreams

Do more than is required of you

Find yourself by losing yourself in service to your fellow human, your country and your God

No one was ever honored for what they received, only for what they gave

To thine own self be true. Be optimistic

What the superior person seeks is in himself; what the smaller person seeks is in others

By the work one knows the worker

What’s the most effective use of my time right now?

See yourself the way you want to become, not as you are

Just trying is a noisy way of not doing something

If we all worked on the assumption that what is accepted as true is really true, there would be little hope of advancement

My how people are different since I’ve changed

The most important force I have is what I say to myself and believe

Wisdom is a combination of truth and love

If honesty didn’t exist it likely would be invented as one of the best ways of becoming wealthy

Expect the best

A smooth sea never made a skillful mariner

Learn to see things as they really are, not as we think they are

High achievement always takes place in a framework of high expectations

No authority is higher than reality

Relentless positive repetitive self-talk changes our self image

The greatest strength one can have is intentional motivation

It’s not just what you know but what you do that counts

Refuse to quit.

What's next?

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





Honor. Integrity. Excellence.

These three principles represent our firm’s core values, each complementing one another. Collectively, they inform every action we take each day.

We are driven daily to achieve an honorable reputation, and define honor as unsullied character that is earned over an extended period of time.

Our integrity is cultivated by doing the right thing every time – it is not a goal achieved once, but a metric to which we hold ourselves accountable at all times.

Excellence is more than an aspiration for us – it is the direct result of our unwavering commitment to provide optimal and effective solutions for each of our clients.

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

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

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

Phil Doyle is 100% compliant with regulatory and legal requirements.


This resume does not sell products/services, quote rates/pricing, collect data, or track viewers. No fees.

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