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mobile as desktop site FIS worldpay independent agent since 2019
How will
We represent the #1 trusted sources (safest, fastest, oldest, biggest) in all three areas: #1 Private Credit - flexible quick non-bank short-term business advances #1 Commercial Credit - easy online conventional long-term business funding #1 Fintech Cloud Payments - superior security & performance, 1.5% transaction fees V MC continuously updated bank security and payments programming, target marketing with your data to get and keep customers Clients average 5% increased revenue 15% decreased chargebacks and 12% reduced debit card fees Phil Doyle is an authorized independent direct agent for the #1 trusted sources of private credit business advances, non-bank capital strategies, seamless customer financing, and fintech payments services. Phil Doyle is not a finance lender or broker, banker, reseller or magician. No fees. 
What is a Private Credit Business Advance? A private credit business advance originates from an institutional investor—private credit—and is the oldest form of commercial finance. It is the discounted sale of a future revenue stream. A business advance is a Revenue Purchase Agreement; it is not a loan. 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 the cost of money. Repayment is a set percentage of monthly or daily revenue until fully paid.
What is Private Credit?
Finance tech artificial intelligence is
generating larger private credit business loans and advances with more attractive terms because of higher confidence in risk assessment.
Private credit funds
have become direct competitors for banks, but are not subject to the
same bureaucratic oversight and regulatory supervision, so it is crucially important to know the #1
trusted sources. Business loans and advances from non-bank private credit
sources are popular and quick because of faster computers and vaster data (finance
tech, artificial intelligence, machine learning) and finance-savvy
large investors. Private credit is not available from banks or
conventional sources.
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 August 2023
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, 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. Independent agencies provide the link between private money sources and business owners needing working capital for operations, expansion, or refinance. Business owners have trouble finding finance sources because they do not trust Internet search results, and sources of private credit have limited ability to reach business owners with advertising. Private credit business loans and advances are not available from banks.
We have all kinds of money
Do you
plan to keep the business and stay competitive?
Popular Safe Easy Short-Term Business Loans
& Advances —when your banker cannot do what you need
As Bank Lending Falls, Business
Borrowers Forbes Aug 2023 Where can business borrowers secure capital? Alternative lenders are seeing more capital moved in their direction as investors, such as insurance companies and pension plans, 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 for financing.
July 2023
PoliticoU.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.
Scammers have been gaming Google results for years, making it hard for users to know when they can trust results. July 2023 Bloomberg The Sorry State of Search
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Carefully consider your options.
How to Stay Competitive
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 payment partner can help you navigate
regulations and opportunities that may give you a competitive
edge over the next year and beyond.
Have peace of mind with continuously
updated bank security and high performance payments programming
with your cash flow operations running more efficiently in the
safe easy fintech payments cloud.
POS Downloads No Longer required
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.
It's called payments services.
PHIL DOYLE |
Why worldpay?
FIS worldpay
FINTECH THE FINANCE WORLD IS BUILT ON
FIS Ranks First in 2022 IDC FinTech Rankings
worldpay from FISglobal
FIS is
to finance tech what Google is to information tech:
#1
Please view two short exciting new videos below
You do not need to contact in-house sales with chat or webform to request a phone call.
You already have us. We are your authorized independent FIS worldpay agency.
We have numerous trusted sources and more ways to help clients stay
competitive,
Phil Doyle
(415) 484-8661
worldpay from FIS
click to view
video
Payments at the Speed of Light
click to view video
FISglobal
Trusted by more than 1 million merchants globally
Three times larger than our 3 closest competitors combined
Supporting 95% of the world's leading banks
We attract the best people in business
finance tech.
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 finance tech. Resellers are being replaced by independent
business finance agencies If you search the Internet for business finance, business loans or working capital funding, you may not know if you can trust what you find. Our #1 finance sources have avoided mass search engine marketing or general directory listings, relying instead on a professional network of authorized agencies with expert training and experience. |
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Which of the following are most important? 1. Absolute High Performance - simplified 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 Capital - easy private credit short-term loans & advances, conventional long-term funding 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 9. ALL OF THE ABOVE |
To stay competitive, your cash flow
operations, security, payments,
sales data,
customer information, reporting, and access to capital
need
to interact
all in one
easy safe place in the
innovative fintech
cloud.
Clients average 5% increased revenue,
15% decreased
chargebacks,
and 12% reduced debit card fees.
Let's talk to compare and get what you need.
Expand and grow with confidence and safe easy access to all kinds of money.
Look at your cash flow
operations, security, and payments in a different way.
capital
strategies
(415) 484-8661
helping businesses stay competitive since
1988
Private Credit • Fintech Cloud Payments • Customer Financing
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.
December 18, 2022
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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 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.
what Smart Phones were to Flip
Phones,
what Google was to the
Yellow Pages,
and
what Windows was to DOS.
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."
How to Stay Competitive
Safe easy access
to long-term conventional funding and
short-term private credit for
operations, expansion, or refinance
with your direct account online -- no reseller 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 private credit in 2021
the #1 trusted sources
directly online with your account
Low cost No reseller costs
#1 Customer
Financing in Your Payments System - no third party
payments
#1
Innovative Fintech Cloud Payments - Bank Safety &
Reliable Performance
We support 95% of the world's leading
banks.
Global enterprises, major banks, retailers
and local merchants have
trusted FIS for 50 years. FISglobal.com (new name after
two oldest biggest leaders
merged)
Look at your Payments, Security and Cash Flow
Operations in a Different Way
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.
If
you search the Internet for business loans. fintech cloud payments or
online funding,
You do not need to contact sales online to
request a phone call.
Phil Doyle resume at bottom of page
Hello
Business Owner,
I have an independent agency
based on my 30+ years in business lending, customer
financing, and payments systems. We help businesses 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.
That's what we do as your agency. We have experience.
We are authorized agents for the #1 trusted sources.
Our service is no cost to you.
Let's talk to compare and get what you need,
PHIL DOYLE
capital
strategies
helping businesses stay competitive since 1988
FIS worldpay independent agent since 2019
(415)
484-8661
around the globe for banks and large
organizations. Because of finance tech,
we now serve small
businesses directly -- resellers are no longer required.
See how worldpay from FIS helps
small businesss stay competitive.
Higher conversion rates
.. Improved authorization & better acceptance of all payment
methods
is about the same or less
than what they currently pay a reseller for basic service.
Phil Doyle (415)
484-8661
you may not
know if you can trust what you find.
Clients average 5% increased revenue, 15% decreased
chargebacks, and 12% reduced debit card fees -- with higher
"If you are not staying
competitive, you already might be years behind."
If your cash flow operations,
payments, and security do not interact 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 agencies.
Resellers are no longer required because of finance tech and
payments tech. Don't let a reseller hold back your
performance and security.
Today a business needs digital accounts directly online with trusted sources.
Resellers are no longer required.
Are you with a reseller? ...or
the reseller of a
reseller?
We add value and invest time in a client's business in multiple ways.
You already have me. I am your authorized FIS
agent.
Phil Doyle
(415) 484-8661
you may not
know if you can trust what you find.
Resellers are being eliminated and replaced with independent
agencies.
Compare your options.
Please call me today to compare
finance
and get what you need to stay competitive.
Your independent agent
in alliance with FIS worldpay since 2019
Phil Doyle (415) 484-8661
manufacturers & suppliers, distributors & wholesalers, retailers
& services
"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?"
all kinds of money for all kinds of businesses.
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."
in a client's business in multiple ways.
Phil Doyle (415) 484-8661
Let's talk
to compare and get what you need.
We can work together to solve your business
goals.
100%
digital online. Easy and quick. Safe.
Compare worldpay from FISglobal designed specifically for your business.
Call me today. I am your independent agent for worldpay.
Global enterprises and major banks have trusted FIS for
decades.
FISglobal.com (new name after
two oldest biggest leaders
merged)
Today, worldpay from FISglobal helps
small businesss stay competitive.
No resellers required.
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.
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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 |
specifically for
your business operations, expansion or refinance
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.
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 security, and
precision high performance?
"We help businesses run their secure
cash flow operation like a precision vehicle with a competitive
high-performance engine."
As
an independent agency, we
may receive fees from trusted sources for recruiting and
developing new clients with direct accounts at the source.
We assist as your agent to help you submit applications directly
online, and as your professional expert guide we will advise and
help you understand and compare offers so you can negotiate
directly with sources. My independent fintech agency
receives a portion of the fixed cost of client acquisition which
finance sources pay whether the new client comes from their
sales employee or from an independent agency.
We do not
"shop your deal around." We do not add to costs; our
clients often receive larger offers with more favorable terms.
Using us as their agency, 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 capital,
payments tech, and customer
financing.
The #1 sources in payments tech now serve
small businesses directly -- resellers no longer required or
needed.
Fintech payments pricing is completely different now.
Resellers are no longer required. Updates to your POS terminal are no longer needed.
Your
cash flow operations -- customer information, sales data,
digital store, shopcart, omnichannel commerce, reporting,
rewards marketing, customer retention and
payments processing -- all need to interact in one place in the fintech cloud
for continuously updated predictive security & payments programming, high performance, and
efficient simplicity -- and smarter use of your data. High-performance
precision cash flow operations with continuously
updated payments security and programming are 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.
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.
specifically for
your operations, expansion, or refinance
Higher conversion rates
.. Improved authorization & better acceptance of all payment
methods
Capital strategies specifically
for your business.
No fees. No effect on your credit to
apply.
Call
me today.
Phil Doyle capital strategies since 1988
(415) 484-8661
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.
1. BE WARY OF EXCESSIVE SPEED
As ‘buy now, pay later’ plans grow, so do delinquencies
Four ways businesses can dodge loan scams and
predatory lenders
2. NEVER PAY MONEY UPFRONT
3. EXPLORE ALL OF YOUR LENDING OPTIONS
4. SURROUND YOURSELF WITH THE RIGHT EXPERTS
business journal
for business owners
SmallBusinessReports.org
We help businesses run their secure cash
flow operations
like a precision machine with a competitive high-performance engine.
Strategies specifically for
your operations, expansion, and refinance.
No fees. No effect on your credit to apply,
click for complete report - secure pdf
Please
call today.
(415)
484-8661
Small Business Reports
business journal
for business owners
Turn customer transactions into smarter
connected experiences
click for complete report
secure pdf
click for complete report
Small Business Reports
business journal
for business owners
(415) 484-8661
Gaining Lift from the Consumer Shift
— CMO Council
5% increase in revenue • 15% decrease in chargebacks • 12% reduction in debit card fees
Higher conversion rates
• Improved authorization & better acceptance of all payment
methods
Phil Doyle resume at bottom of page
what Smart Phones were to Flip
Phones,
what Google was to the
Yellow Pages,
and
what Windows was to DOS."
Smart Insights for a New Future — PACE Report
- secure link -
Small Business Reports
business journal
for business owners
manufacturers & suppliers, distributors & wholesalers, retailers & services
most business categories
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.
Small Business Reports
business journal
for business owners
Golden Era of Fintech Cloud Payments & Access to Capital
If you are not staying competitive, you
already may be years behind.
click to play
- scroll down for complete report below
FINTECH PAYMENTS
Simplify operations, retain customers, and
improve cash flow
Omnichannel digital commerce with
fintech payments services powers an immediate profit center with secure cloud-hosted
smart point-of-sale business managment of payments, inventory, pricing
& discounts, sales tax, employees, loyalty marketing, robust
intelligent reporting,
and remote access — to acquire and retain customers 24/7, retail and
wholesale, physical and digital.
"It's fast and easy to setup and run."
Fintech
|
What sets us apart is the consistent and seamless experience we provide in all three areas of business finance. Working with us is the same as working directly with the source —only better because often we can make things happen quicker. I grew up in this company when it was a small family business. It was built on genuinely authentic business relationships —and still is. Now, we work with the best people and companies in all three areas of business finance. We serve businesses of all sizes in most industries: insurance, real estate, automotive, manufacturing, distribution, retail, services, home improvement, contractors, construction, oil and gas, mining, technology, and pharmaceuticals. Working with a business finance agency and sources that deal regularly with companies in your industry is a tremendous benefit.
(415) 484-8661
|
What's next?
Compare fintech 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 smarter decisions faster that simplify operations,
retain customers, and improve cash flow?
examples only below - info not updated - for educational only
Private Credit is now a convenient
business resource
Dear Business Owner,
What do you need for operations, expansion, or
refinance?
We represent the #1 sources (safest, fastest, biggest,
oldest) in all three areas.
#1
Conventional Long Term Funding & Flexible Short Term
Private Credit
How do you plan to stay
competitive in the accelerating Digital 2020s?
We are trusted leaders
- oldest, safest, biggest, fastest - with superior
finance tech for small businesses, continuously updated
programming and predictive security,
and simplified pricing in all three areas of business finance.
We have helped thousands of
businesses like yours.
Four Security Questions
to Ask Your Payments Provider
Four Ways to
Dodge Scams and Predatory Lenders
We have helped thousands of businesses like
yours.
I do not
charge fees.
because of superior finance tech.
EXAMPLES ONLY
Business owners say innovation
is vital
to stay
competitive.
I have an independent agency based on
my 30 years in
capital strategies, payments services, and customer
financing. We help businesses
stay competitive.
We do not charge fees or add to costs.
Safely access all kinds of capital easily with your
online account at the source.
Expand and grow with confidence.
#1 Fintech Cloud Payments / Omnichannel Commerce / Predictive
Bank Security
#1
Your Digital Customer Financing, Buy Now Pay Later
-- no third party
If you are not staying
competitive with and fintech cloud payments and cash flow operations, you already may be
years behind with security and performance.
Compare sources.
Fintech Payments & Omnichannel
Commerce
Fuel the New Digital Marketing
Management
Finance tech and artificial intelligence transformed security,
service, and pricing.
Capital is now a safe convenient small business resource because of superior
fintech.
— Small Business Reports
— business journal for business owners
Call today to compare and get what you need.
How's your business?
Phil Doyle capital strategies since 1988
phildoyle.com (415) 484-8661
helping businesses stay competitive
Capital Strategies •
Cloud Payments Tech • Customer Financing
Please call me today
for a
competitive finance strategy.
Private credit is
a now convenient business resource because of superior finance tech.
Small Business Reports - business journal for business owners
We have helped thousands of businesses like
yours.
Please call me today.
I do not charge fees. (415) 484-8661
Access all kinds of capital easily
REINVENT SMARTER
Today's fintech
leaders advance
the ways businesses stay competitive.
and pricing which
accelerated ahead years
with fintech, artificial intelligence,
and machine learning
to confidently reduce risk, increase speed, and simplify pricing.
Now, more than ever, it matters who you're with.
Resellers lack fintech for security and speed.
If you are not staying competitive, you already
may be years behind.
"Retain customers,
improve cash flow, and simplify operations
with fintech payments and omnichannel commerce."
We have helped thousands of businesses like
yours over the past 30+ years.
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.
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.
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.
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.
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.
The key to staying competitive is to leverage
superior fintech 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
2.
The lines continue to blur between online and in-store
3.
The next generation of shoppers are looking for
personalization from brands
4.
Instant payment schemes will open up new doors for
payment methods
5.
New technologies are advancing how AI is being utilized
for payments
We have helped thousands of businesses like
yours.
Capital Strategies • Fintech Payments • Customer Financing
We work with over a million merchants.
We have decades of leadership in payments
and customer financing.
Access over one billion dollars of flexible private credit
for
small business innovation and growth.
We have helped thousands of businesses like
yours over the past 30+ years.
Working together, we can achieve your business goals
- both now and for the
future -
with innovative strategies and trusted sources.
Expand and
grow with confidence
100% committed to small businesses.
No fees. No resellers.
Capital Strategies • Cloud Payments Tech • Customer Financing
How many
sales reps does it take? How well do they know your business?
Do they work together as a team toward your goals?
Most business owners do not have time to learn and keep up with
fast-evolving
fintech payments
solutions, security, service, and pricing.
Expand and grow with confidence.
Access all kinds of capital easily.
How's your business?
responsible straight-forward ethical business practices
that put people first
this resume does not
sell products or services -- no fees
this
website does not track viewers or
collect data
to
retain customers, improve cash flow, and stay competitive
Capital Strategies • Fintech Payments • Customer Financing
Today's fintech leaders advance the way businesses stay competitive with artificial intelligence and
We eliminate costly resellers.
EXAMPLES
ONLY - INFORMATION BELOW IS NOT UPDATED - Educational purposes only
machine learning to instantly interpret vast data
to confidently reduce risk, increase speed, and lower costs.
Small businesses are no longer required to use resellers.
Now, more than ever, it matters who
you're with.
Fully integrated omni-channel digtal
commerce payments platform for managing payments, inventory, pricing and discounts, sales tax,
employees, targeted marketing with customer data, loyalty and
gift card campaigns, robust
reporting and remote access -- to run more efficiently with superior
security, service, and pricing with frictionless transactions on any
screen anywhere for physical and digital sales
and automated customer service
A fully integrated digital store is a
permanent
profit center for long-term competitive growth.
Businesses either grow or die.
54% of small businesses across the U.S.
are at risk of financial difficulty.
-- Wall Street Journal
OmniChannel Commerce Fintech Payments & Customer Experience with fully integrated digital store is an immediate profit center with secure cloud-hosted smart point-of-sale data business managment for payments, inventory, pricing & discounts, sales tax, employees, loyalty marketing, robust reporting, and remote access -- to acquire, retain and serve customers 24/7, both retail and wholesale, both physical and digital -- on any screen anywhere.
- example only -
It's fast and easy to setup and run.
Click video above. "Fully Integrated Digital Store"
Click video above. "Murphys Motorcycle Company"
Click video above. "WJ Doyle Wine & Spirits"
Click video above. "Smart Point-of-Sale Business Management"
For example and comparison only --
test drive of an innovative integrated online store with unlimited customer support.
No payment required. No risk. No obligation. (415) 484.8661
responsible straight-forward ethical business practices
that put people first
this resume does not sell or advertise products or services -- no fees
EXAMPLES ONLY
Fintech Cloud Payments
Capital Strategies •
Cloud Payments Tech •
Customer Financing
- for example only -
information not current - for educational purposes
EXAMPLES ONLY
Term loans from banks in the
network are generally faster to fund and require less documentation than
a traditional SBA 7(a) loan. The 2-5-year term gives businesses an
affordable low monthly payment.
- $30,000 to $500,000 loan amounts
- Wide use of funds
- 2 – 5 year repayment terms
- Fixed interest rates as low as 7.99%
- Monthly payments
- No pre-payment penalties
A term loan application consists of a basic business loan package (tax return, bank statements, debt schedule,
financial statements). The underwriting team analyzes
applications quickly before submitting to
a lender through a bank-enabling
finance technology platform
-- the #1 online fintech source for SBA loans under $350,000.
Once the loan request is sent to a partner bank where we know it qualifies, loans can close in 5-7 business days.
- Multiple lenders offer a
variety of loan products to meet each business’ unique financing
needs.
- Term loans are fully amortized and carry
no prepayment penalties.
- Bank term loans can refinance personal
credit cards and personal debts used for business. Credit cards can
remain open after payoff.
- Clients may receive competing
offers with different terms and can choose the best solution.
- Banks build relationships with small businesses and are excellent resources for future financing.
responsible straight-forward ethical business practices
that put people first
this website does not
advertise products or sell services -- no fees
EXAMPLES ONLY - INSTRUCTIONAL ONLY
this website does not
advertise products or sell services -- no fees
examples
only
phildoyle.com is not a lender or broker or reseller
examples only
- examples only- instructional information
FinTech Capital Strategies
- examples only -
Quick SBA Business Loans
- examples only - information not current - for educational purposes only
Why take out a SBA business loan?
It’s tough to beat the low cost rates and long repayment terms of a working capital SBA loan. However, the traditional process of applying directly at a bank can be quite cumbersome and often results in a 'no'. We changed that. We make it easy for you to apply for a working capital SBA loan and our online marketplace helps get you to a 'yes' because we match your business with the lender most likely to fund your loan. You can use the funds in a variety of ways:
- Purchase equipment
- Increase inventory
- Add marketing programs
- Operating expenses
- Hire additional staff
- Refinance high-interest debt, saving you hundreds or even thousands per month
Pre-qualify Without Impacting your Credit
Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.
Consolidate or Refinance
Why Refinance with a SBA loan?
Refinancing existing debt with a low-cost SBA consolidation loan is an important step to take if you want to expand and save big. Large or frequent payments can make it difficult to run day-to-day business operations. Additional funds may be used for working capital to help your business expand.
SBA debt consolidation loans can be used to refinance:
- Merchant Cash Advances
- Short-term Business Loans
- High Interest Funding
- Daily or Weekly Payment Loans
- Business Credit Cards
Pre-qualify Without Impacting your Credit
Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.
SBA Commercial Real Estate Strategies
for example only - information not current - educational
Purchase or Refinance Commercial Real Estate
With 25-year terms and interest rates ranging from 6.25% to 7.50%*, SBA 7(a) loans are a great option for small businesses looking to refinance an existing commercial real estate mortgage, buy an office building or other owner-occupied commercial space. The rent replacement option with minimal down payment, offered by our preferred SBA lending banks, lets you keep more of your cash to invest in growing your business.
Pre-qualify for an SBA 7(a) Commercial Real Estate Loan
Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you prequalify for an SBA commercial real estate loan from $500,000 to $5 million.
- examples only - educational
Flexible Short Term Private Credit
flexible terms and repayment options
responsible straight-forward ethical business practices
that put people first
this professional website does not
advertise products or sell services -- no fees
- examples only -
Fintech Payments
Fully Integrated Efficiencies and Continuously Updated Security
Omnichannel Commerce with Fintech Payments & Continuously
Updated Security
5% increase in revenue. 15%
decrease in chargebacks. 12% reduction
in debit card fees.
Higher conversion rates. Improved authorization
& acceptance of all payment methods.
Small Business Reports
business journal
for business owners
Reliable low-cost fintech payments,
inventory, pricing & discounts, sales tax, employees, target marketing,
loyalty, robust reporting, and digital office for better informed
decisions and efficient simplicity.
Below are examples from 2020
-- from the past.
Don't be stuck in the past!
Have you moved your cash flow operations to the fintech payments
cloud?
- examples only - from 2020 -
Free up time with reliable smart point-of-sale tools to run more efficiently and make smarter decisions.
Special Report Product Review Reliable Point-of-Sale Tools
- examples only -
- examples only -
- examples only -
responsible straight-forward ethical business practices
that put people first
this professional website does not
advertise products or sell services -- no fees
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examples only - from 2020
Digital
Customer Financing
mobile, contactless,
easy, paperless. larger approvals, fewer declines, 100% digital
not available from traditional sources
Smart fintech digital customer financing boosts revenue
this professional website does not advertise products or sell services -- no fees
PHIL DOYLE
capital
strategies
helping businesses stay competitive
since 1988
phildoyle.com
(415) 484.8661
photo 2023
|
PROFESSIONAL:
Helping businesses stay competitive
since 1988
Started, financed, expanded, and sold
three pioneering, fast growth video companies: 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. B.S. Business
Administration / Marketing & Advertising San Francisco
State University
Sailing Lake Tahoe, San Francisco Bay,
and Pacific Ocean / Gulf of the Farallones Long distance solo/bicycle touring -
bikepacking Back Roads off the beaten track to parts
unknown - and back (long distance self-sufficient travel) Grass Valley,
CA to San
Diego, CA - Highway 1 - Honda 750
Aristotle,
Socrates, Napolean Hill, W. Clement Stone, Earl
Nightingale, Zig Ziglar, Denis Waitley, Brian Tracy, Wayne Dyer, Jack Tenge,
Jack Bogle, Warren
Buffett, Charles Schwab, and Homer Simpson. VALUES & INTEGRITY We become what we think about most Think about what you want, not what you
don't want
more
inspirational quotes
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responsible straight-forward ethical business practices
that put people first
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