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Phil Doyle is not a finance lender, broker, banker, reseller, or magician.  No fees.
This resume does not sell products/services, quote rates/pricing, collect data or track viewers.



phildoyle.com

PHIL DOYLE
capital strategies

(415) 484-8661


helping businesses stay competitive since 1988

FIS worldpay independent agent since 2019


 


responsible straight-forward ethical business practices that put people first



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


Private Credit Capital Strategies • Fintech Cloud Payments • Customer Financing





How's your business?


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

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


View two exciting FIS worldpay videos below

photo 2023      Phil Doyle resume bio at bottom of page

I have an independent business finance agency based on my 30 years
in business lending, customer financing, and payments systems.


We help businesses stay competitive.

We do not charge fees or add to costs.


Fintech cloud payments, private credit, and non-bank capital strategies are not a self-serve do-it-yourself one-time setup, so even with your accounts directly with the #1 trusted finance sources, you still need an experienced professional to help compare options and choose services that will help you stay competitive—now and in the future.

 


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 creditand 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?

Private credit is business financing where a non-bank lender provides loans and advances directly to small and medium size businesses—not to be confused with outdated merchant cash advances which can be expensive third party credit card splits for smaller amounts.


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.

 

Private credit is private equity's cousin.

While private equity buys all or part of a company, private credit provides loans and advances.
Loans and advances are uniquely tailored to each business.





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.

Institutional investors such as pension funds and insurance companies provide competitively priced flexible working capital for non-bank short-term loans and advances to businesses with positive cash flows.


Private credit, also known as private money or private debt, is not burdened with bureaucratic regulatory compliance costs, delays, and controls that hobble the federal and state banking system for small business loans. Private credit is accessible, competitive, flexible, quick, easy and responsive to the needs of small businesses.





Private Credit Moves From Venture Capital and Mergers
 to Timeshares, Car Loans
, and Business Loans and Advances

August  2023     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, 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


More banks stopped making business loans under $1 million.

Are you getting what you need from your bank?



Do you plan to keep the business and stay competitive?

Everything about business finance works differently now compared to the days of traditional bankers, finance lenders, brokers, resellers, and paper & ink because of innovative finance tech and cloud payments. Businesses apply and receive offers with their own accounts directly online from trusted finance sources with continuously updated bank security. Your authorized independent agent has a long-term interest in the continued security, growth and performance of your business. Private credit business loans and advances and fintech cloud payments are now essential capital strategies for competitive growth.
Resellers are no longer required. Resellers are being replaced by independent agents.


Popular Safe Easy Short-Term Business Loans & Advances

Private Credit
    Flexible, Fair & Quick    Trusted Sources

 —when your banker cannot do what you need

 


 


Finance tech artificial intelligence is generating larger business loans & advances
and more attractive terms because of higher confidence in risk assessment.


As Bank Lending Falls, Business Borrowers
Turn To Alternative Lenders

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.




Banks warn of lending pullback

July 2023  Politico
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.






"How do I find a trusted source for private credit business loans and advances?"


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
Is an Ominous Sign for the AI Era

 



If you search "business loans working capital advances funding financing" etc.,

you need to ask yourself if you can trust what you find.
Of hundreds of results - or more, how will you choose one or two?


Most of the search results and ads are resellers—or resellers of resellers,
and they may not be competitive for your type of business.

They will probably "shop your deal around" -- more fingers in your pie.
Many are lead generator companies that sell your information.
The results and ads at the top of a search are probably lead generators.

Some could be fakes generated by artificial intelligence to steal your data.
They all claim to be direct lenders.  They all look and sound the same.
 Some offer small merchant cash advances - outdated expensive credit card splits.



AI Is Flooding the Web With Junk Content


IMPORTANT

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

Our #1 trusted sources are the safest, fastest, oldest, biggest, and most innovative in business finance, and they do not show up prominently in internet searches because they never needed to do so. Internet search for business finance is a dangerous global dump of serious fraud risks, fake information, fake websites, nefarious marketing, false advertising, elaborate scams, and competitive disinformation when it comes to business finance, capital strategies, and the security of your confidential business information.



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



Let's talk to compare and get what you need quickly from
the #1 trusted sources directly online with 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.
That is 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 agency for the #1 trusted finance sources, we are the opposite of traditional commission-driven finance lenders, brokers, resellers or bankers. We ensure a great fit all around long term, and we measure our results by how well we help clients achieve continued security, growth and performance in reaching their goals and solving their unique problems.



All of the above is why you need a business finance agency in the digital 2020s.
As an independent agency, we have multiple strategies to help you stay competitive.




All kinds of money for operations, expansion, or refinance
Trusted online network of commercial funding and private credit

 

 

Carefully consider your options.

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

 



Let's talk to compare and quickly get what you need
directly from the #1 trusted sources with your account online
-- 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 payment partner can help you navigate regulations and opportunities that may give you a competitive edge over the next year and beyond.

 






10 Reasons Why Your Payments Processing Needs to be in the Fintech Payments Cloud
because your customer information is at high risk on your POS system.

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

 

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 operations in a different way

    
     In the accelerating digital 2020s, competitive businesses run their cash flow operations with safe easy innovative fintech cloud payments, continuously updated programming and predictive bank security for absolute safety, reliable high performance, safe quick access to 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.

It's called payments services.


PHIL DOYLE
capital strategies

(415) 484-8661


independent worldpay agent since 2019



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

https://www.fisglobal.com/en 


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. Resellers are no longer required since 2019.

     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.

 


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.

PHIL DOYLE
capital strategies

(415) 484-8661

helping businesses stay competitive since 1988

worldpay independent agent since 2019





 Private Credit • Fintech Cloud Payments • 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.

 

December 18, 2022
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 capital all
need to interact in one easy safe place in the fintech payments cloud.

 

 

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

 




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

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



How to Stay Competitive

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

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

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

In the 2020s:  "Your cash flow operations, payments and security need to interact in the fintech cloud."
  


 

 










Safe easy access to 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

 

Safely access all kinds of money easily from
the #1 trusted sources directly online with your account


Low cost    No reseller costs

#1 Private Credit Loans & Advances, Long-Term & Short-Term, Online Conventional Funding
#1 Customer Financing in Your Payments System - no third party payments 

#1 Innovative Fintech Cloud Payments - Bank Safety & Reliable Performance 

Omnichannel Commerce  •  Simplified Pricing 1.5% transaction fee V MC

Continuously Updated Innovative Programming & Predictive Bank Security

 




How's your business?


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. 

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

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

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

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

 








Trusted by more than 1 million merchants globally

 

 

 

 

 

 

 

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

 We have decades of experience securely moving payments and vast sums
around the globe for banks and large organizations.  Because of finance tech,
we now serve small businesses directly -- resellers are no longer required.

 

Global enterprises, major banks, retailers and local merchants have trusted FIS for 50 years.  FISglobal.com    (new name after two oldest biggest leaders merged) 
See how worldpay from FIS helps small businesss stay competitive.

 

 

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

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



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

 


Your independent agent for FIS worldpay since 2019

Phil Doyle  (415) 484-8661


 

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

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




 Omnichannel Commerce  •  Fintech Payments Services  •  Simplified Pricing

Continuously Updated Predictive Bank Security
 

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

    
Cash flow operations -- sales data, customer information, bank security, inventory control, business funding, loyalty rewards marketing, gift card advertising, targeted personalized promotions, digital store, shopcart, omnichannel commerce, customer financing, robust real-time reporting, and payments processing -- all need to interact seamlessly in one easy safe place in the fintech cloud for continuously updated predictive security, absolute high performance, efficient simplified operations -- and better use of your data to improve customer service and inform you of sales trends, growth opportunities, and problems.



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



 

 


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

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. 






Welcome to the Digital 2020s.
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. 


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

click to view two videos

You do not need to contact sales online to request a phone call.
You already have me. I am your authorized FIS agent.

Phil Doyle
(415) 484-8661


Easily access all kinds of capital safely



 Capital Strategies • Fintech Cloud Payments • Customer Financing

 


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

If you search the Internet for fintech cloud payments or online funding,
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



 







"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.


manufacturers & suppliers, distributors & wholesalers, retailers & services 


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

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

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

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

    

 


 

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



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




Safely easily access all kinds of capital



Your independent agent in alliance with FISglobal worldpay,
Phil Doyle  (415) 484-8661





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

We can work together to solve your business goals.


No fees to apply.  No effect on your credit.
100% digital 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.

 

 


 

Businesses can now use their data to better understand and meet their customers' expectations thanks to smartphones, social media accounts, search history, and transaction data. While all this data is a treasure trove to leverage, it's also an important responsibility for a business to protect it.

Protecting customer data and privacy is one of the top three trends that will have the greatest impact on businesses.


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


Retain Customers.  Improve Cash Flow. 
Simplify Operations.



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





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?

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



"We help businesses run their secure cash flow 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.



 

 

Finance tech totally reinvented payments services.  

    
Fintech payments pricing is completely different now.  Resellers are no longer required.  Updates to your POS terminal are no longer needed. 

     Your cash flow operations -- customer information, sales data, digital store, shopcart, omnichannel commerce, reporting, rewards marketing, customer retention and payments processing -- all need to interact in one place in the fintech cloud for continuously updated predictive security & payments programming, high performance, and efficient simplicity -- and smarter use of your data.  High-performance precision cash flow operations with continuously updated payments security and programming are required  now to stay competitive in the Digital 2020s. It is low cost, probably about the same or less than you are paying now with a reseller.

The #1 sources in payments tech now serve small businesses directly  -- resellers no longer required or needed
     After several mega-billion dollar mergers ($20B to $43B), they are the oldest, largest companies - industry pioneers -  with unfamiliar new names.  We represent all three.  Accelerate growth and protect your business and customer information with smarter use of your data and security. 

    
If you are using a payments services reseller (if your payments programming and security reside on your POS equipment and require you to download and install updates periodically) you may have a big competitive disadvantage.  Cash flow operations, payments programming, and digital security need to interact in the fintech cloud for efficient simplicity,  high performance, and continuously updated predictive security for fraud protection.  Compare sources today. Stay competitive in the digital 2020s.

    
 

  Retain Customers.  Improve Cash Flow.  Simplify Operations.

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

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

 

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

Call me today.

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






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

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

 

 


Four ways businesses can dodge loan scams and predatory lenders

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



Small Business Reports
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
.

Retain Customers.  Improve Cash Flow.  Simplify Operations.

Strategies specifically for your operations, expansion, and refinance.

No fees. No effect on your credit to apply,

Please call today.  (415) 484-8661

 





 

click for complete report - secure pdf
SmallBusinessReports.org

Small Business Reports
business journal for business owners


 






click to view short video








Fintech Cloud Payments

Turn customer transactions into smarter connected experiences

click for complete report  secure pdf








click for complete report
SmallBusinessReports.org

Small Business Reports
business journal for business owners







Retain Customers. Improve Cash Flow. Simplify Operations.

Fintech Payments / Omnichannel Commerce / Predictive Security

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





Phil Doyle resume at bottom of page

Call me today for a competitive finance strategy.

(415) 484-8661

"Fintech Payments are to POS Terminals
what Smart Phones were to Flip Phones,

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

      


 



Using Data Intelligently to Drive Business Outcomes

Smart Insights for a New Future — PACE Report

Gaining Lift from the Consumer Shift — CMO Council

click for Special Reports
- secure link -

SmallBusinessReports.org

Small Business Reports
business journal for business owners

 


 

 


manufacturers & suppliers, distributors & wholesalers, retailers & services 


           

           
       
           
 
    
    

most business categories

 

 


How Commerce Has Changed Forever


 

 Fintech Payments / Omnichannel Commerce

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

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






Four security questions to ask your payments provider

click for Special Report

SmallBusinessReports.org

Small Business Reports
business journal for business owners






Stay Competitive in the Digital 2020's


Golden Era of Fintech Cloud Payments & Access to Capital



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



Omnichannel Commerce / Fintech Payments


click to play - scroll down for complete report below

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


 

 


OMNICHANNEL COMMERCE
FINTECH PAYMENTS

Simplify operations, retain customers, and improve cash flow



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

 


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

Omnichannel Commerce


click to play


click to play



click to play



 


What sets us apart?



SMART MONEY

Fintech Payments & Omnichannel Commerce Fuel the NEW Marketing & Management
 

     What sets us apart is the consistent and seamless experience we provide in all three areas of business finance.  Working with us is the same as working directly with the source only better because often we can make things happen quicker.

     I grew up in this company when it was a small family business.  It was built on genuinely authentic business relationships —and still is. Now, we work with the best people and companies in all three areas of business finance.

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





Phil Doyle resume at bottom of page
Call me today for a competitive strategy.

(415) 484-8661



Do you go to a restaurant to cook your own meal?
Would you go to a website to arrange your own business finance strategy?
No. You need their experience, service, and speed for the best results.
 
     As an independent fintech agency representing the #1 sources (safest, fastest, biggest, oldest), we help businesses stay competitive and continue to support their growth.  We do not charge  fees or add to costs.  Resellers are no longer required. You will have a direct account. We will help you apply and compare costs and negotiate directly with trusted fintech sources as your expert guide and independent agent. It costs nothing to use our experience, and often our clients receive larger offers and more favorable terms.

     You will have a knowledgeable, competent business tech partner throughout every step of the process with innovative strategies, simplified pricing, competitive low cost, larger amounts, and more flexible terms. The application, underwriting, and funding are fast because of superior fintech.

 


What's next?

Compare your sources in all three areas of fintech.

 Capital Strategies • Fintech Payments • Customer Financing

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

 

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

 

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

 


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

 


 

examples only below - info not updated - for educational only


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

Example - Short-term non-bank finance strategy:  $5,000 to $250,000, 1st or 2nd, 6-24 months, weekly payment. 100% online, 1 page application & 3 months bank statements, No broker fee or commission. No early payoff cost. No collateral. No upfront costs or fees. Professional service.

 
EXAMPLES ONLY







 


Business owners say innovation
is vital to stay competitive.


   

Dear Business Owner, 
     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. 

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

Safely access all kinds of capital easily with your online account at the source.
Expand and grow with confidence. 

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

          #1  Conventional Long Term Funding & Flexible Short Term Private Credit
          #1  Fintech Cloud Payments / Omnichannel Commerce / Predictive Bank Security
          #1  Your Digital Customer Financing, Buy Now Pay Later -- no third party

     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. 

     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


Using Data Intelligently to Stay Competitive

Four Security Questions to Ask Your Payments Provider
    
Finance tech and artificial intelligence transformed security, service, and pricing.

Four Ways to Dodge Scams and Predatory Lenders
    
Capital is now a safe convenient small business resource because of superior fintech.

SmallBusinessReports.org
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.

Example: short-term finance strategy:  $5,000 to $250,000, 1st & 2nd, 6-24 months, weekly payment. 100% online, 1 page application & 3 months bank statements, No broker fee or commission. No early payoff cost. No collateral. Safe. Quick. Flexible. No fees. No upfront cost. Next day funding. Professional service.

As 'buy now, pay later' surges, a third of U.S. users fall behind on payments

SmallBusinessReports.org
Small Business Reports - business journal for business owners





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



Please call me today.
I do not charge fees. (415) 484-8661

Expand and grow with confidence.

Access all kinds of capital easily
.


Online Conventional Long Term Funding and Flexible Short Term Private Credit
Omni-Channel Commerce  •  Payments Tech  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing



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

responsible straight-forward ethical business practices that put people first





REINVENT SMARTER

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

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

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

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



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

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



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


click to play

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

 

1.    Digital payments continue to change how people pay in-store

Mobile wallets like Apple Pay and Samsung Pay continue to spark change at the point of sale by making checkout faster, safer, and more convenient. While mobile wallets will be the leading POS payment method globally by 2023, North American consumers will still favor traditional payment methods such as credit and debit cards. But that doesn’t mean there isn’t wide adoption of mobile and digital wallets. Millions of consumers are using them on a daily basis, especially online. Activating acceptance of digital and mobile wallets is crucial to bridge consistency between the instore and online experience.

2.    The lines continue to blur between online and in-store

Payments are often tracked between channels, but consumers are generally focused on the end result rather than the channel where they’re making the purchase. Convenience is typically the deciding factor for how a consumer prefers to shop. And they expect consistency and convenience whether they visit a store, stay online, or find a middle ground between the two. For instance, as buy online, pick up instore becomes more and more prevalent, consumers are looking for retailers to make it easy. That means the payment should be nearly invisible. With so many alternative payment methods available, it’s becoming easier to do just that.

3.    The next generation of shoppers are looking for personalization from brands

Today’s teenagers and young adults are the first generation of digital natives, yet that’s only the beginning of what makes Gen Z distinctive. Gen Z shoppers gravitate to brands that are transparent about values, that seek to understand them as individuals, and that deliver exceptionally personalized service. We explore how enterprises that can individualize at scale can gain the trust and loyalty of a new generation of shoppers.

4.    Instant payment schemes will open up new doors for payment methods

Alternative payment methods go beyond just mobile and digital wallets. Additional options like buy now pay later and bank transfer are also changing the payments world. Open banking initiatives are bringing a new wave of change to the payments industry and with it, an additional alternative payment method for retailers to consider: account to account payments. These payments have existed for a while in peer to peer relationships and the ACH network, but open new doors for retailers in the form of cost savings. Real time payments could set new habits in how consumers prefer to pay businesses.

5.    New technologies are advancing how AI is being utilized for payments

Advancements in the interfaces that allow humans and computers to communicate are sparking change in how we can purchase items online and engage with some brands. Improvements to artificial intelligence allow us to literally interact with voice assistants; from having them tell us jokes, to playing music, to asking for our favorite coffee to be reordered. Smart speakers have become a part of our everyday lives. The rise of voice assistants has opened the door to making purchases using only our voices, but the commercial potential remains largely untapped. Further advancements in security and identifying what customers want from a voice only search will predict future success.

Growing your business audience starts with understanding how best to connect with your potential customers. Shoppers engage with retailers at the most critical intersection—the payment.

from   SmallBusinessReports.org    
Small Business Reports — business journal for business owners


 Expand and grow with confidence

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

Call me today.   (415) 484.8661   No fees.

responsible straight-forward ethical business practices that put people first


 

Capital Strategies • Fintech Payments • Customer Financing

We work with over a million merchants.

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 do not charge fees. We eliminate resellers.


responsible straight-forward ethical business practices that put people first





What's your finance strategy?
 


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



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

Expand and grow with confidence

Easily access all kinds of capital.

Online Conventional Long Term Funding and Flexible Short Term Private Credit
OmniChannel Commerce  •   Payments Tech  •  Continuously Updated Security
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing


We eliminate resellers

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

 


 



Innovation is Vital to Stay Competitive

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

 

Capital Strategies  •  Cloud Payments Tech  •  Customer Financing

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

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

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


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

this website does not track viewers or collect data

 


 

How's your business?

 



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



Capital Strategies  •  Fintech Payments  •  Customer Financing

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

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

We eliminate costly resellers.


EXAMPLES ONLY - INFORMATION BELOW IS NOT UPDATED - Educational purposes only


 

 

 

 


 

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

 

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



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

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 -- 

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

 

 

 



 

 

 

 

 

 

 

 

 

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

Capital is now a quick easy resource  because of fintech.


EXAMPLES ONLY

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

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

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

Details include:  - for example only

  • $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. 

 


 


Expand and grow with confidence


Please call me today and compare strategies.

(415) 484.8661   I do not charge fees.

 

Access capital easily

Online Long Term Funding & Flexible Short Term Private Credit
Omnichannel Commerce & Fintech Payments
Real Time Settlement Merchant Funds 24/7  •  Simplified Pricing

 Lines of Credit  •  Equipment Financing  •  Customer Financing

responsible straight-forward ethical business practices that put people first

this 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 -

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

(415) 484.8661   I do not charge fees.

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


Quick SBA Business Loans

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

 

Why take out a SBA business loan?

It’s tough to beat the low cost rates and long repayment terms of a working capital SBA loan. However, the traditional process of applying directly at a bank can be quite cumbersome and often results in a 'no'. We changed that. We make it easy for you to apply for a working capital SBA loan and our online marketplace helps get you to a 'yes' because we match your business with the lender most likely to fund your loan. You can use the funds in a variety of ways:

  • Purchase equipment
  • Increase inventory
  • Add marketing programs
  • Operating expenses
  • Hire additional staff
  • Refinance high-interest debt, saving you hundreds or even thousands per month

Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.

 

Consolidate or Refinance


Why Refinance with a SBA loan?

Refinancing existing debt with a low-cost SBA consolidation loan is an important step to take if you want to expand and save big. Large or frequent payments can make it difficult to run day-to-day business operations. Additional funds may be used for working capital to help your business expand.

SBA debt consolidation loans can be used to refinance:

  • Merchant Cash Advances
  • Short-term Business Loans
  • High Interest Funding
  • Daily or Weekly Payment Loans
  • Business Credit Cards

Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.

 

SBA Commercial Real Estate Strategies

for example only - information not current - educational

Purchase or Refinance Commercial Real Estate

With 25-year terms and interest rates ranging from 6.25% to 7.50%*, SBA 7(a) loans are a great option for small businesses looking to refinance an existing commercial real estate mortgage, buy an office building or other owner-occupied commercial space. The rent replacement option with minimal down payment, offered by our preferred SBA lending banks, lets you keep more of your cash to invest in growing your business.

 

Pre-qualify for an SBA 7(a) Commercial Real Estate Loan

Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online and we’ll automatically tell you if you prequalify for an SBA commercial real estate loan from $500,000 to $5 million.

  


 

 

  - 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.


SmallBusinessReports.org

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 -





Everything changed because of powerful finance tech platforms for security, service, and cost.
    Free up time with reliable smart point-of-sale tools to run more efficiently and make smarter decisions.

Special Report Product Review       Reliable Point-of-Sale Tools      

 

 

 

 


  - 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

 




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:


FIS worldpay independent agent since 2019

Helping businesses stay competitive since 1988

Independent Business Finance Agency Representing the #1 Trusted Sources

Private Credit Capital Strategies  •  Fintech Cloud Payments  •  Customer Financing


Responsible straight-forward ethical business practices that put people first



CREATIVE INTERESTS

Family history
research of ancesters in Norway and Ireland and their immigration to America.

Phil Doyle is one of the all-time most common Irish names.  Thousands use that name.



The Art of Seeing -   street portraits & pictures
Open Slides 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 video program rentals for business skills training.

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

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


MARKETING & ADVERTISING:


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

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

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

Created local advertising base for 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
Lived on an Islander 30 sloop -- it was ready for solo long distance blue water cruising -- it was the right boat in the right place at the right time of year (with personal belongings in storage) to circumnavigate South America E to W via Panama Canal -- but I didn't go.

Long distance solo/bicycle touring - bikepacking
   Nanaimo, Vancouver Island BC to San Diego CA - Hwy 101 & 1 Pacific Coast - powered by Tom Harper's Sea Farm fermented marine phytoplankton as my primary food/energy source, a donation from his daughter, Tiffany.
   New Orleans, Louisiana (freighter) to Casablanca, Morocco, Africa to Ardal, Norway
         via Spain, France, Germany, England, Wales, Ireland, and Scotland
   Ft 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 travel)
   Tahoe City, CA to Homer, Alaska - IH Travelall 4WD
   Tahoe City, CA to Cancun, Mexico via Cabo San Lucas, Baja - Willys Wagon 4WD
   Tahoe City, CA to Nelson, BC to Taos, NM - winter - skied all the original resorts - Jeepster 4WD

    Grass Valley, CA to San Diego, CA - Highway 1   - Honda 750
    Grass Valley, CA to Glacier National Park, MT     - Triumph 650 Bonneville


Rode a Vespa scooter from Nassau all the way around New Providence Island, Bahamas
Drove a Citroen car all the way around Mallorca, Balearic Islands, Spain 



MENTORS

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

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


 


phildoyle.com

PHIL DOYLE
capital strategies

(415) 484-8661

helping businesses stay competitive since 1988

worldpay independent agent since 2019

responsible straight-forward ethical business practices that put people first

Phil Doyle is an authorized independent agent for the #1 trusted sources of
private credit capital strategies, customer financing, and innovative fintech payments services.

Phil Doyle is not a finance lender, broker, banker, reseller, or magician.  No fees.
This resume does not sell products/services, quote rates/pricing, collect data, or track viewers.

 

© copyright 2018-2023   phildoyle.com   Phil Doyle   All Rights Reserved