Wednesday, September 21, 2011

How Does It Work?


Situation : A potential customer or patient comes to you with their need or desired purchase. You may put a bit of your valuable time into finding out exactly how you can help, and then you tell them how much it will cost.

Your prospect says, "Ooooooh. That's more than I can afford right now. Can I make payments?"

You reply:

"Yes. We have a 90-Day No Credit Needed payment option. You just need to make a 3-minute phone call to be approved. Here, I'll dial the number for you..."

Cutting to the chase, once we approve them (over 2/3rds are approved immediately) you have them sign off authorizing our electronically-debited payment system to take over. This same system pays you electronically 100% of the total bill within 72 hours. You have all the money for the transaction in your bank account (without even "taking the hit" of a credit card transaction!) with no risk of chargebacks, and your customer/patient leaves with what they needed.

NOTE: If you are not hearing the question "Do you offer a payment plan?" or if you do not feel that you are losing sales to people who cannot afford to purchase from you, then this program is not designed for you. However, if you ARE feeling the sting of lost sales and people walking out of your doors due to their inability to pay you in full, then you definitely will benefit, AND our service should also be free for you. Contact me for a 15-minute consultation and we'll see what the exact numbers are for your business.

And don't worry! If you don't feel that the program will dramatically increase your monthly sales, I won't even attempt to sign you up. The decision is entirely yours once we've taken a few minutes together to judge your volume and you can see the bottom line for yourself.

Above is "how it works" in practice. More specifics are at CHECK90.com - Go to How It Works and read Available Programs*, Processing Transactions, and How Do We Do It?

*Available Programs are "Silver" & "Gold."
Gold pays you 100% up front for your services, but requires equipment to operate. Silver requires no equipment, but payments are incremental to you (and guaranteed by us).

We all know that a major auto insurance company has "built an empire" by asking people to take 15 minutes to try to save a few hundred bucks a year on their car insurance... 

Contact me if it's worth 15 minutes of your time to find out how many THOUSANDS of dollars per month can be added to your business's monthly sales by offering your customers a "90-Day, No Credit Needed" payment option. CHECK90.com has more details; when you decide I just need to bring you the paperwork to get started!

(C) 2011 Guy Malone
90DaystoPay@Gmail.com

Does It Cost Us Anything?


No surprise, nobody's giving away free money, and there are costs involved.

I get paid (nicely) for what I do and so does my company.

However, YOU don't pay these costs - your customers or patients who actually use the "90-Day, No Credit Needed" service do. Almost every business we work with passes on ALL of the costs, so that offering a "90 Days, No Credit Needed" program works out to be entirely FREE to implement.

Better than free actually - Profitable! Because they see an immediate increase in sales, by re-capturing that growing market of people who can't afford to buy right now, and are walking out their doors. And once you are in our referral network, you'll see new customers and patients who have never heard of you start coming in because they know you offer our convenient payment plan. If you don't qualify to operate the Gold program for free, our No Obligation (i.e., cancel anytime) Silver plan only costs $5 per month to add at least 1-7 new sales per month to your bank account.

When we meet a brief interview is all that's required to see if your business qualifies for Gold (and if it will be profitable for us to do business with you) same as you'll be interviewing me to find out if our service is a fit for your needs - and of course, how profitable it will be for you. If it's not completely win/win, then I don't attempt to sign you up. What I mean by that is if you don't need our service, or if you don't qualify to offer it for free, I don't have any "persuasive sales techniques" to cajole you into it (beyond what the numbers tell you) - and I won't try any, that's a promise!

Other than that, instead of wondering "How much does it cost..." perhaps a better question is "How much is it already costing you to see those lost sales walk out the door?" Every business owner we work with signs up NOT because they get a warm fuzzy answer to the "How much does it cost" question; they sign up because they see and decide for themselves how much implementing our program will MAKE for them.

If by working together we can increases your business sales by even just 10% per month, how much would that be worth to you?

(C) 2011 Guy Malone
90DaystoPay@Gmail.com

What if My Customer Doesn't Pay You?


Short answer, that's not your problem! 

The entire amount of the transaction - 100% payment in full - is added to your bank account in 72 hours. That money is yours to keep and is never at risk via a "charge-back" from our company. You won't even hear from us if for some reason your customer is late on a payment, or even if they NEVER pay us.

We manage all the risk, pay you in full, and handle anything to do with collections, so that you can concentrate on running your business successfully, not "chasing paper."

You can feel confident in these claims as well. The service we market has an A+ rating with the Better Business Bureau, and has been in operation since 1996. I look forward to showing you the documentation of these facts when we meet.

(C) 2011 Guy Malone
90DaystoPay@Gmail.com
  

I have in-house financing through...


Perhaps you already use an in-house credit system such as G.E., Wells Fargo, Care Credit, etc...

For your customers/patients that can qualify for it, I encourage you to keep doing what's working for you! 

This is for your (potential) patients or customers who will not qualify for credit terms, and won't even apply because they already know the answer. I'm sure you've seen the look on the faces of those whom you mentioned such a program to, but they were afraid or reluctant to fill out the paperwork.

According to this August 11, 2011 CNN Money article 64% of Americans cannot afford $1,000 to cover an emergency expense right now. These are the people we help you regain lost sales from. Also, there's no paper application for them to fill out, and we DO NOT require them to have a good credit score. Their credit score does not even matter, which means you can offer payment terms to your customers, get paid 100% in full right up front, while we collect over time from your customer or patient.

IMAGINE having someone walk through your door who drove for an hour, past dozens of your competitors, because they've been approved for our payment plan in the past at another non-competing business, and came to you because they know you won't turn them down. Our referral network of Auto Repair Shops, Dentists, Veterinarians, Furniture Stores, Computer Repair shops, etc, etc is just one of the many ways we market you. Contact me to find out others, and exactly how much in monthly sales you can expect to add to your bottom line by offering 90 Days with No Credit Needed.

(C) 2011 Guy Malone
90DaystoPay@Gmail.com

   

Restrictions


We are a U.S.-based company that deals solely with U.S. businesses. We presently cannot offer services to companies outside of the United States of America.

A consultation with me is not restricted to geography, so long as you are in the United States. I will meet with you in-person face-to-face in Orlando Florida if desired. Outside the Orlando are I'll make an appointment with you at your own desktop computer, and run you through a power-point presentation from my computer, and answer any remaining questions. (I use a program made available at join.me (no http://www) to share my screen with you. Check it out - you may find it useful yourself! Just type join.me into your browser.)

Finally, we have a large list of the "types" of business we work with, and are adding more. Typically however, we deal with "needs-based" businesses, such as Auto Repair, Dentistry, Furniture, Computer Sales and Repair, Home Improvement needs of all kinds (HVAC, Plumbing, Flooring, Painting, Roofing, and many more). 

Unfortunately we do not work with jewelry stores or the travel industry - things that are considered luxuries. Contact me if you have any questions about whether your industry is on our approved list, and to set an appointment.


(C) 2011 Guy Malone
http://www.IncreaseBusinessSales.info
90DaystoPay@Gmail.com

  

About Me


This may surprise you that I would disclose this here, but I have more years of experience in Restaurant and Bartending work than I do in sales and finance. You see, I love Customer Service and delivering to people something they really like, and if anything's wrong, making it right! 

I simply tell you this to tell you something else you may find surprising.

I hate sales.

Let me explain why. I have had a total of four sales/financial jobs in my life. I was "let go" from my first one (telemarketing people at home for a Police "fundraising firm") and I quit the other three of my own accord. 

In summary, I have found that most of sales involves deceiving prospects, and trying to get people to part with money over something they don't need or really even want. 

Some examples from my life: Having a few years of restaurant work under my belt, at age 21 I moved to Daytona Beach FL in 1990 to bartend over Spring Break. That job ran out when the season was over, and I had to start hitting the want ads to find other employment. 

So my first "sales job" was bugging people at home for a Police charity. Not exactly a phone call people enjoy receiving I soon found out, and I left that job (over 20 years ago) with the conviction that telemarketing people at home at dinner time should just be made illegal. I lasted I think less than a month, when the sales manager told me I should "go back to bartending," which I did.

About 3 years later I was a bit burnt out on the restaurant job tho, and hankering for a day job. I took a position calling on *businesses* this time (seemed moral enough at the time!) -  selling them customized Advertising Specialties. Our lead product was caps with "fancy" laser printed artwork and the business's name and phone number. I never got to see the caps we sent out, but we were told to say "Pro Sports caps, you know, like the baseball players wear."

I'm surprised to say that I lasted over 2 years at that job, but I still didn't enjoy it - pounding away at the phone between 7am to 1pm, calling plumbers and electricians and mechanics saying "...and right now John, we're running a special!" 

It was gimmicky and contrived, with "price-drops" and lower quantities built into a script flawlessly designed to keep them on the phone so long that they finally caved, gave in, and bought something. The script said "... and if you have any problems John, my card's right in that box - you just pick up the phone and give me call. God Bless."

No one ever called me to complain, sales were good, and I thought everything was okay (except that I actually didn't enjoy the work, that is). It would be a long, long time before I found this out - by randomly dialing up people a few times who had bought from us in the past it turned out - and boy, were they mad. Long story short, the caps we actually sent were crappy styrofoam "Bubba" caps (not "Pro Sports Caps") and never, ever, was my card (or any salesman's card) "in the box." The customer had no recourse to contact or to complain to me if my company didn't deliver, and we had their money.

You guessed it, I quit, and went back to waiting tables again.

Years later, I was trained and certified as a licensed stock-broker (in Tennessee). The company that paid for all this training and testing was also a telemarketing firm. Our product? Oil-drilling investments! Yes, for a full year I actually made a living calling up people, and selling them $10,000 a pop oil drilling investments right over the phone. Believe it or not, my ideal client was someone for whom LOSING $10,000 on an investment was actually GOOD for their tax situation! 

And lose people's money we did. My last day there, I finally hit a moral crisis by attempting to "wrestle" a more elderly gentleman's 10 Grand out of his retirement fund, and put it into our next drilling venture, which ran about a 90% chance of not hitting anything. (I didn't know this when I took the job btw. I did 3 "campaigns" with the company and found out over time that none of them hit, and that I was not helping my clients in any meaningful way by getting them into these deals.)

But I was behind on my quota, and needed a sale because it was a commission-only job. I made a bad decision that I needed my 8% ($800) of that guy's money, more than he needed the $10,000 he'd worked for half his life, and I really, really tried to get him to part with it.

I'm glad he said no actually. I gave my two weeks' notice that day, and they told me I didn't need to work it. Just clean out my desk, and go. That was 1997, and I didn't look back.

For well over a decade, I worked as a server/bartender for my income, and otherwise gave some of my other talents away freely in the non-profit sector. As a bartender, I eventually gained a very large clientele after working M-F nights in the same location for 7 years (not a rowdy environment by the way, but a fine dining establishment that didn't even offer a "happy hour." Most of my regulars were white-collar business travelers, who were just as likely to ask me to turn the TV to Fox News for them, as they were to ask for ESPN.)

And what I learned there, I carry with me still.

I learned that I earn a lot of respect AND a loyal customer base by using my knowledge to guide people through the process of selecting and getting what they really want - even if it's not neccessarily what I want them to have. I learned that I don't have to push the most expensive option or whatever "special" my company was offering that day, when I know good and well my customer will really like something else better. Short-term thinking goes for the easy "quick buck" but long term success is found by helping people meet needs they really have, and making every decision based on what's best for the customer.

Much to my surprise, I am again in the sales and marketing realm, because a trusted friend introduced me to this company. He knew of my talents, and my concerns. I certainly didn't jump in quickly tho. I researched the company, and watched how it worked for him. Turns out this company actually DOES EXACTLY what they say they're going to do. And even better, we offer a service that people really do need and want!

The business owners want to get paid, and their customers who are cash-strapped and hurting for their product really do want to buy from them. It's win/win all around. I sleep well knowing that I actually am helping people - doing them a favor in fact - by introducing them to this opportunity. And I'm working with a service that business owners actually call me to find out more about it, rather than bugging people over something they don't want or need. Best of all, I'm not earning an income by taking people's money; I'm earning an income by making them money, and by making their customers' lives happier and more peaceful.

Oh, and I don't have a "quota" either. There's no sales manager breathing down my neck to "Produce!" I get paid well enough for introducing our service to businesses who actually do need it, and who really will benefit from it. Therefore, I don't have to talk people who don't need or won't benefit from our service, into signing up.

When I meet with you, it's okay if you review all the facts and eventually say "No." Because if in your estimation this service will help you dramatically increase your business's sales, I already know that you'll say "Yes." 

If it won't, I know I'll be meeting with someone else soon who will.

Hopefully, it won't be your competitor ;)


(C) 2011 Guy Malone
90DaystoPay@Gmail.com