How quickly can a business get get from $10,000 to $1,000,000?

Generally, this can be done in under a week without any hoops of deep financial inquiries. 

How is that possible? Providers look at cash flow more than credit score and these providers love to get money to business owners.

This great if you have an opportunity you want to pursue, like expansion, or marketing, etc or even if you are ever in a tight pinch and need some help to get out of a that situation.

Yes, you can actually get a decision in as fast 1-2 days and funds in a week. The best part is there is a very high approval rate and a simple application process. 

And what if you don't have a current need for funds? That’s fine, no worries, keep us in mind, you never know, an idea might pop up now that you know you could get money to help your business grow. and if you know of any other business owners, let them know we exist. We’d love to help them out too.

Generally, it is about what you are doing in monthly sales, and the great thing is that all that is needed is a short one-page application to get started and within a day or so we can have you an offer. It’s free to apply and there’s no obligation to accept the offer.  

You can learn more here and even fill out a pre qualification form in under 5 minutes. 

Business loan closing rates of 80%

Presently, closing rates for banks are less than 20% and on any given year, approximately 15 million US main street businesses are going to apply for loans and only 18-19% are going to be successful.

Statistically, 59% of the loans are for some form of expansion and that dovetails into what we do.

We look at cash flow enhancement, we look at expense and tax mitigation. In other words, we first look at enhanced profitability. Invest in your employees, invest in your infrastructure, invest in the next stage, that is the 59% mentioned above. Now, what about the other 41%? They are pursued for the purposes of survival, to make payroll, to keep the lights on.

We are an organic organization in that we don't worry about focusing on one particular product. We work on focusing on the client as a whole and bringing everything to the table and identifying what they need to best suit them. With our software (which we don't sell) we can often increase their profitability 5, 10, 15 and even sometimes, 20% at NO cost or risk to them. We drastically impact them to that end while at the same time facilitating enhanced odds they they'll actually qualify for a loan!

So, why are our closing rates 80%?

When you to go to a bank, you're working with that bank. It's limited options, it's limited criteria. With us, we can pickup the phone and reach the senior vice-president of hedge funds and throw questions out to them about your loan, so that makes a big difference. We can go direct to our group of 129 lenders and in addition, we are part of two networks that takes us out to every viable lender in the nation where all we have to do is put in a quick scenario and get multiple replies from those lenders, either yes, no, maybe give us a little more information. We have 15 hedge funds that we work with while focusing on two or three of them. Primarily, one of them has a four billion dollar portfolio, so they're very very deep and they just will go way out. We just got a request for nine loans from one owner of a particular industry and four of them were just not going to happen. Our head lender looked at the whole package and said "we'll do all of them together because the big ones are outweighing the little ones". That's the kind of communication we have with them!

That had been shopped like mad. It had been seen by everybody and nobody was going to touch it, nobody was going to do it. Then all of a sudden, impossible became possible! It's because of what we have built for the last quarter century. We can pickup the phone and speak to the underwriter or the senior vice-president and say "how can we make this happen?" They know we will work our fingers to the bone to get them everything they need, so they won't have to do that. They don't have to chase our clients, they don't have to ask for paperwork, we ask for it and get it from them. And that makes a big difference as to how far out in the field our lenders will go for us.

Other things we do: There are only a few brokers in the US that even do securities portfolio lending. And that is where someone has a security portfolio, and literally stocks, bonds, mutual funds and we're able to do lending against that. And yet they still get to keep them.

Another scenario is when people come in with a 401k or an IRA and we are able to convert that to another type of tax deferred entity and get money out for them to use for investments.

The bottom line is that if your company is in the US, we are more than likely to get you financing. It takes 5-minutes to get the ball rolling. Just answer 2 questions at BusinessRefundEstimate.com

Brokers welcome!

5 reasons why your business might need a loan.

1. Expansion. Probably the most obvious reason to consider a small business loan is to invest in an expansion opportunity for your business. ...

2. Inventory. ...

3. Cash Flow. ...

4. Equipment. ...

5. To Improve Terms on a Larger Loan. ...

We have several types available for US businesses as shown below and it takes is for you to answer 7 questions here and we can set the wheels in motion right away.

Click on the image to make it bigger.

IN BUSINESS NEWS

"Business is never so healthy as when, like a chicken, it must do a certain amount of scratching for what it gets." - Henry Ford

What is R2R ?

Road to Relationships

 Learn more now:  http://bit.ly/2cv3i8O

Get Paid to Market

You read the subject line correctly – we are going to pay you to market and not just to market, rather we are going to pay you to go get the best clients you’ve ever worked with.  These are exclusively high net worth clients that don’t have a rep currently and actually want to work with you.

For the last 15+ years our program has been changing the lives of advisors.  I know, everybody says things like that, but unlike anyone else, we have the proof.  After you attend our webinar, you will gain access to over 50 hours of agent voice testimonials wherein they describe all the ways we have completely exploded their business.  That’s right – not some quote with a first name and last initial – NO their actual voices, telling their actual stories.

Stop wasting your time and your money on strategies and programs that don’t work – join us on our call to learn how we’re going to pay you to get unlimited millionaire clients.

Click to Register for Webinar

Can a condo development or apartment building benefit from a Cost Segregation Study?

Yes, they can!  Condominiums fall under a multi-family category which also includes properties such as apartments, hotels and residential-type facilities that house people either temporarily or for an extended time up to and including life.

Many factors play in computing the depreciation on properties of this type including where they are located, how much land is included and what land improvements apply.

Condominiums can be located in suburban areas and they can be found just as often in metropolitan areas as high rise buildings.  The difference in these two property scenarios should be obvious, the suburban location would include a significant number of land improvements and the high rise would only have a small portion of cost basis that could be allocated to land improvements.

Additional considerations in calculating a benefit for condominiums would be; how many units the property contains, what amenities are located on the property (e.g., swimming pools, tennis courts, clubhouses and or fitness centers).

If you own or know someone who owns a condominium property and would like to find out if they would benefit from a Cost Segregation Study, simply schedule a Discovery Call with a National Account Manager today by answering 2 simple questions at  PropertyTaxBenefits.com

No upfront fees!

Help!!!

NEED HELP – Friends and associates  -  as you know, I have spent some time developing my business consulting practice. 

Our business owner clients are regularly asking for referrals to new tax professionals (CPA, Accountant, Enrolled Agent).  

So rather than my just reaching out blindly looking for someone good for them (think needle in a haystack) I’m reaching out to each of you asking for your help – who are you working with and are you happy with them?  

Thank you VERY much!

Larry Potter
Lgpotter33@gmail.com

What is R2R ?

Road to Relationships 

 Learn more now  

Don’t Hide from Success

• The largest Business Consulting and Brokerage Firms in the Nation
• Thousands of Financial Consultants and Insurance Agents
• Thousands of Tax Planners and Legal Professionals
• Hundreds of RIA firms
• Over 100 Brokers Dealers, FMO’s and Agencies

Could they all be wrong? - We don’t think so. Every single week for over a decade, new advisors have joined us on our weekly Mastermind call to tell their stories of life
changing success and opportunity.

What does everyone else know that you don’t?

Join us on our call and find out.

The call is scheduled for Thursday, October 10th at 3:00pm EST. Use the link below to register right away!

CLICK HERE to Register 

Thank you,

Larry Potter
Senior Advisor

"Many of life's failures are people who...

...did not realize how close they were to success when they gave up." - Thomas Edison - https://youtu.be/iizwjwI5JpY

Avoid the top 3 small business mistakes

According to Kim Komando:

As a small business owner, you want the very best for your company. You want satisfied customers, you want to provide the best value and you want to grow — with as few issues and as much profit as possible. Putting out fires and overcoming hurdles have been in your job description for as long as you can remember, but you may not realize how many issues you can avoid with just a few changes.

In the bustle of day-to-day operations, you have a lot on your plate. It's easy to overlook issues, big and small, that could be holding you back.

1. Saying yes to everything

In most small businesses, the owner is a jack of all trades and does everything to keep operations running smoothly. From accounting to marketing to cleaning, a small business owner is the one who gets the job done — no matter what.

But that doesn’t mean you have to spread yourself so thin that you neglect to work “on” your business and just continue to work  “in” your business doing mundane tasks. It's important to dedicate time to strategize and plan for the future. Without that, it's hard to see the bigger picture. Do you need to pivot your business strategies or change direction? Give yourself time to find out.

So, how do you make time when you're already doing so much each day? It’s simple: Make it a priority to not say “yes" to everything. It’s OK to delegate admin tasks or other daily chores to someone else. With the proper training, he or she can perform a lot of tasks just as good or even better than you can.

By being more selective about what you say "yes" to, you can dedicate time to focus on important business matters that often get overlooked when you're knee-deep in data entry logs or other tasks someone else can take on.

1. Saying yes to everything

In most small businesses, the owner is a jack of all trades and does everything to keep operations running smoothly. From accounting to marketing to cleaning, a small business owner is the one who gets the job done — no matter what.

But that doesn’t mean you have to spread yourself so thin that you neglect to work “on” your business and just continue to work  “in” your business doing mundane tasks. It's important to dedicate time to strategize and plan for the future. Without that, it's hard to see the bigger picture. Do you need to pivot your business strategies or change direction? Give yourself time to find out.

So, how do you make time when you're already doing so much each day? It’s simple: Make it a priority to not say “yes" to everything. It’s OK to delegate admin tasks or other daily chores to someone else. With the proper training, he or she can perform a lot of tasks just as good or even better than you can.

By being more selective about what you say "yes" to, you can dedicate time to focus on important business matters that often get overlooked when you're knee-deep in data entry logs or other tasks someone else can take on.

Unanswered inquiries, voicemails, and email questions from your social media channels could mean lost revenue for your business. Don't leave money on the table. Follow up with every new lead who contacts you, and find out how you can make them a customer.

3. Not listening to your customers

Your customers are always giving you subtle (and sometimes not so subtle) clues about how they feel about your product or service. This is invaluable information, and you should consider using it when planning future updates, customer communications and marketing efforts.

How do you keep up with what customers are saying? Read reviews, social media comments and mentions, and any emails or other communications from clients and users.

And don't leave those reviews unanswered. Thank your customers for positive reviews, and take the time to respond to negative feedback. This info may even help you improve and relaunch your product or service to benefit your customers even more.

How does this work in practice? If you sell electronics and a customer expresses concern over the functionality of a product, listen closely. See what others are saying or if you can replicate the same issues yourself. You may have changes to make. If you run a custard shop and a patron is upset you aren’t offering more flavors, brainstorm additions to the menu.

By being proactive, you can prevent some of the most common small business mistakes. Scale your business to its full potential by focusing on strategy, growth and your customers. Find out how GMG  can help you grow your company to new heights with NO upfront fees!!!

Joining Forces With Your CPA

We are not a CPA firm. We actually work with your CPA on these engineering based tax incentives.

The vast majority of CPA firms don't offer anything like this and that's why we work hand-in-hand with your CPA firm to help them procure these benefits for you.   No upfront fees!

BusinessRefundEstimate.com

Perseverance

From Andrew McWhirter:

Soccer superstar Pele once said:

‘Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do.’

One person discovered the value of perseverance firsthand when they chased down a lead they really wanted to work with. 

He had connected with the two directors of a local business. These directors knew what he did and showed an interest in the services offered.

The problem was that they couldn’t agree.

One director said no and the other said yes.

For most business owners, this would be a sign the sale was not to be. After all, if one decision-maker says no, that means you've lost the chance to make the deal, right?

He didn't give up.

Instead, they scheduled a 30-minute video call that allowed him to talk to both directors at once.

That 30-minute call ended up lasting an hour. As the conversation went on, more and more problems were brought up.

There’s a reason for this. The naysaying director had started to trust my client during the call. It had showed them they were an authority in that niche. As a result, they felt comfortable confiding in him.

That conversation came about as a result of perseverance. And when he scheduled it, he knocked 4 competitors out of the running to land the contract.

Here’s the most important metric.

He measured the time they invested against the value of the deal.

It came out to $1,645 per hour!

Everyone I know would feel happy about making that kind of return.

There’s a lesson here. All is not lost if a key decision-maker says no. If you persevere, you may be able to find another angle of approach.

A prospect who says no is just somebody who doesn’t trust you yet. If you persevere, work through the NO’s and prove that you’re the authority in your niche, they may just come around.

There is a secret to getting your foot in any door and keeping it there!

Mistakes can be valuable!

"The most valuable thing you can make is a mistake - you can't learn anything [much] from being perfect." - Adam Osborne -  www.PropertyTaxBenefits.com

    

Warren Buffett and Business Savings

"The great personal fortunes in this country weren't built on a portfolio of fifty companies. They were built by someone who identified one wonderful business." - Warren Buffett 

GMG Savings 

Many non-profits are missing out on specialized tax incentives.

If you are a non-profit with many credit card transactions, you should know that many non-profits may be on special pricing tiers due to their non profit status. 

This means that they have the potential to have their Credit Card rates on special pricing, their Waste & Recycling may be on special layout, etc.

We can only determine this in seconds at  BusinessRefundEstimate.com

Counter-Productive Things You Shouldn't Do Every Day

1. DO NOT answer repetitive questions

2. DO NOT cram your to-do list. 

3. DO NOT make lots of piles. 

 *Create a systematic filing system and eliminate any pieces of paper you no longer need. 

4.DO NOT schedule open-ended meetings.

5. DO NOT eat lunch at your desk.

 

 *A short break from your desk will lead to better ideas and decisions.

"The difference between the impossible and the possible lies in a man's determination." - Tommy Lasorda

    Time to play ball!! 

Will I Qualify for a Commercial Real Estate Loan?

Due to the huge losses suffered by commercial lenders during the Great Recession, banks are much tougher when they underwrite commercial loans these days.  Will you qualify?  It all depends on the three C's of underwriting - credit, capacity to repay, and collateral.  Let's look at credit first.

Commercial banks are the lenders who are making most of the commercial loans today, and banks require good credit.  You will usually need a credit score of at least 680, and a credit score of over 700 is greatly preferred.  Now if your credit score is lower than 680, please don't panic.  We recently convinced a bank to approve a commercial loan for a veterinarian with a foreclosure on his record (due to a divorce) and a credit score of just 630.  And even if a bank won't do your particular deal, there are still scores of Wall Street non-prime lenders and hard money commercial mortgage companies willing to make subprime commercial loans.

When a bank underwrites a commercial borrower's capacity to repay, the bank looks primarily to the cash flow of the property.  The commercial property's net operating income (NOI) must exceed the proposed commercial mortgage payment by at least 25% to 45%.  In the parlance of the commercial financing industry, the debt service coverage ratio must exceed 1.25 to 1.45.  Conduit lenders also require that the debt yield ratio (a brand new underwriting ratio) exceed 9.0% to 10.0%.

Commercial lenders are also demanding more collateral today.  In 2006 and early 2007, commercial lenders would regularly approve commercial loans of 75% loan-to-value.  Many commercial lenders even made commercial loans up to 80% loan-to-value!  Then commercial real estate plummeted by 45%, and commercial lenders got hammered.  They took enormous losses.  As a result, immediately after the Great Recession most commercial lenders cut their loan-to-values back from 75% all the way down to 58% to 65%.

Fortunately banks have finally started to loosen up a little again.  This means that it is usually possible to get a conventional commercial loan from a bank up to 70% loan-to-value.  Sometimes banks will even consider a commercial loan of up to 75% LTV again, but the deal will have to be very, very strong.  You are more likely to qualify for a commercial loan at higher than 70% loan-to-value if the deal is a purchase money deal (in other words, you're buying the property).  Another way to get high LTV deals approved is if the borrower has lots of liquid assets, like cash in the bank and marketable securities.

One last important point about qualifying for a commercial real estate loan from a bank.  There are more than 5,000 banks in America, and all of them are extremely fickle.  One day a bank will refuse to even consider a commercial loan in excess of 65% LTV, and yet a month later that same bank will close a commercial loan of 75% LTV.  What happened?  The bank suddenly loosened up because it had found itself too liquid, and it was feeling the pressure to put some money back out on the street.  The way to handle this is to approach lots of different banks with your commercial loan request.

Mezzanine Loans in Plain English

Mezzanine loans are similar to second mortgages, except a mezzanine loan is secured by the stock of the corporation that owns the property, as opposed to the real estate.  If the lender forecloses on the stock, it owns the corporation that owns the building.  

Why use a mezzanine loan?  Why not just use a garden-variety second mortgage?  The answer is that a lender can foreclose on a mezzanine loan in just 5 weeks, as opposed to 18 months.

You will never find a mezzanine loan in a first mortgage position.  

Since mezzanine loans can be foreclosed in just 5 weeks, no owner of a $50 million office tower is going to put himself in a position where his building could be repossessed while he is on a three-week camping trip with his family.  "Hey boss, while you were away, Linda forgot to make the mezzanine loan payment.  Last Wednesday the mezzanine lender executed on the building, and you were completely wiped out."  Yikes!  

By the way, a lender forecloses on a mortgage and executes on personal property collateral (cars, equipment, coin collections, etc.).  Therefore there will always be a big first mortgage in front of a mezzanine loan.  In the capital stack, the pecking order of priorities would be the first mortgage, followed by the mezzanine loan, followed by owner’s equity in the property.

What type of loan do you need?

VA asks for input on Veteran suicide

When the President signed executive order "PREVENTS," creating an inter-agency task force, leadership within VA and the White House began planning a road map to address the national tragedy of Veteran suicide.

They now ask for your help. The PREVENTS Task Force is releasing an RFI (Request for Information) to get your ideas in radically reducing suicide among Veterans. 

"Veteran suicide requires an all-hands on-deck approach” said VA Secretary Robert Wilkie.

Learn More

Vets, Get The Job You've Earned

Bridge Loans

A bridge loan is defined as a short-term real estate loan that gives the property owner time to complete some task - such as improving the property, finding a new tenant and/or selling the property.  

The typical commercial property bridge loan has a term of one to two years, although many commercial bridge loan lenders will grant the owner the option to extend his loan for six months to one year for a fee of between a half-point point to two points.

Hiring Expected To Escalate Among 33% Of SMBs For The Rest Of 2019

BOSTON, July 11, 2019 /PRNewswire/ -- Alignable, the largest online network of small businesses with 3.6 million+ members, is launching a new campaign to share the most important trends emerging among SMBs each month.....

• New Hires Are Required ASAP. One of Alignable's hiring surveys revealed that 33% of business owners feel more bullish about adding staff now than they felt in January. Only 6% plan to hire fewer people or downsize, while the remainder will hold steady with original hiring plans. A total of 3,456 small businesspeople were polled. 

I wonder how many of these small business owners will be using WOTC to capture the federal tax credits they are entitled to for new hires, even seasonal or part-timers? The tax credits can range from $2400 - $9600 and even if a SMB hires only one person, they qualify for this unique program.

Another one is coming.....!!!

"Business opportunities are like buses, there's always another one coming." - Richard Branson -  

http://bit.ly/2cv3i8O 

3-5 seconds

It takes only 3 to 5 seconds to form a first impression. If your business doesn’t capture attention at first glance, not only are you missing out on brand recognition but on sales too.

Mom's Advice

"Opportunity is missed by most people because it is dressed in overalls and looks like work." - Thomas Edison - As Mom would say, "it's time to take a shot" - http://bit.ly/2cv3i8O

Your corporate clients

Every one of your business owner clients is about to lose 40% of an important deduction that they had otherwise planned on – you don’t want to be the reason why.

Open this link and try our free, real-time calculation and qualification program to see how to be the hero rather than the zero to every one of your corporate clients. 

Just one client who owned 3 restaurants!

This was covered on today's call and just covers one of the 5 areas we look at. Instead of $110,000, the client is looking at 1.5 million in savings!!! 


Every one of your business owner clients is about to lose 40% of an important deduction that they had otherwise planned on – you don’t want to be the reason why. Open this link and try our free, real-time calculation and qualification program to see how to be the hero rather than the zero to every one of your corporate clients. www.PropertyTaxBenefits.com  

Corporate Loan Service Overview

For those that are looking for corporate real estate or business purpose financing, we have a consortium of select companies and individuals with expertise in a variety of funding environments. Each member of this group of professionals has been carefully selected for their expertise, knowledge and contacts with their specific niche markets. This elite group works as a team to find solutions for those in need of financing. We consult on a confidential basis and utilize each other's resources to insure the best possible chance of success.

Service Overview:

Business Financing

The three major factors lenders look at are cash flow, credit and collateral. When businesses can demonstrate all three they stand a good chance of getting the funding they need. However, all too often something is missing and usually it's a lack of collateral since many businesses typically do not own buildings, valuable machinery or inventory that could easily be liquidated. Many times those businesses would be denied financing, however with us, very frequently we will be able to accomplish financing opportunities and options for them.

We have many years of experience in ALL aspects of business financing, including but not limited to:

SBA Loans
Traditional Loans
Equipment Lease
Factoring
Merchant Cash Advance
Business Line of Credit

Real Estate Financing

Still reeling from the effects of the financial crisis, commercial banks are turning away good projects, cutting funding for projects in progress and refusing to refinance loans with balloon payments - a common feature in traditional commercial mortgages. With interest rates at or near record lows there is incredible incentive to take advantage of those rates, we have lenders that are more than interested in participating in both facilitating and servicing the needs of those borrowers desirous of taking advantage of today's superior rates.

Stryde has access to a variety of loan programs for:

Commercial (all forms)
Residential (development)
Rehab
Hard Money
Project Financing
Business Financing

To begin, we ask you a few questions about your business at  www.BusinessRefundEstimate.com

Innovate

"Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations." - Steve Jobs 

---> Innovate now with no upfront fees! 

Unprecedented Bill Passed Directly Affecting Tax Incentives

Unprecedented Bill passed in the house mid year directly affecting our Specialized Tax Incentives. 
 

How does this Bill affect your INCOME?
How does this Bill affect your CLIENTS?
ONLY 20 DAYS LEFT UNTIL TAX SEASON

This tax season could be your most lucrative of all time.  We're prepared, are you?

See your business benefits now

Wisdom from Steve Jobs

"Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations." - Steve Jobs 

Improve your business now!  www.BusinessRefundEstimate.com

Technical based companies are excellent and often overlooked industries for the R&D Tax Credit.

The top misunderstandings about these firms:

*They don't qualify for the credit because they are not "Manufacturing"

*Section 41 was not designed exclusively for Manufacturers, although they are the most common client for R&D Tax Credits.  Qualification is based on activities performed by the company.  
In fact, Architectural, Engineering, and Construction (AEC) often qualify at much higher rates than traditional manufacturers.

*The Client is too small to qualify for the R&D Tax Credit

Note: Technical based firms may qualify even if well below the typical million dollar payroll threshold. The reason for this can be found in the way that the credit is calculated.

The credit is not based on total annual payroll, it's based on total annual payroll multiplied by what percentage of that payroll is a qualified activity for the credit based on the IRS definition of Qualified Activities.

This means that a $400K payroll for a technically based company could yield a higher tax credit than a $2.4M annual payroll of a general manufacturer.

The fastest way to determine if your business qualifies is to answer a few questions at

                           www.BusinessRefundEstimate.com

Does your business do WOTC? - Classified Ad

Such an easy tax credit that businesses can qualify for.

Merchants Realize an Average Savings of 21% on Processing Fees on Credit Cards w/o switching providers.

Credit Card Audit FAQ

This expense reduction service department is made up of payment industry experts whose mission is to provide transparency and expense reduction solutions to merchants who process credit card transactions. We are not a payment processor or merchant service provider. We partner and consult with merchants to achieve savings with their existing provider,eliminating the need for any changes or configuration to your existing business environment.

From auditing and analysis, to regular monitoring and reporting, to an ongoing commitment to processing optimization, we have the experience and expertise to be your ally in the payment industry, your advocate and advisor on best practices, and your partner in cost savings. Our success is based on measurable results, and our fees are only a percentage of your savings. We are the trusted partner in payment processing.

The Problem

The payment industry, and in particular, credit card processing, is complex. Merchants are faced with confusing statements, hundreds of various payment processing fees - including costly layers of discount rates, transaction fees and surcharges - in addition to the numerous processing options offered by merchant service providers, payment gateways, and other payment processing entities. Without an unbiased insight, a merchant can easily fall trap to unfair pricing and pay large fees to accept credit card payments.

Who Should A Merchant Trust?

When evaluating merchant processing services, a merchant understands their own business requirements for card acceptance, but often have to rely on a sales representative selling merchant services to provide honest information on merchant service plan types and pricing options. Competition for your business is fierce and most sales representatives are paid on commission for the fees generated by your processing. This has led to deceptive sales tactics in an industry known for its complexity and negative image.

Merchants asked to reveal their processing rate often tell us about their ‘qualified’ rate or an effective rate not inclusive of all provider fees. This misunderstanding is far too common for an expense that has significant impact on the operating margin of a business. The payment industry is complex. We can help.


Expense Reduction Solution

This two-phase approach to expense reduction is unparalleled in the payment industry. We correct the processing plan to reflect the most competitive plan type and rate, using formulated, specific asks of the existing provider. Our team then works with the client to further reduce the non-negotiable fees through processing optimization – where we help qualify payment transactions at lower interchange rates by passing through additional processing data.

Phase I We ‘right-size’ the account plan, placing the merchant on the correct plan type with the most competitive plan rate. Savings are immediately realized moving forward.

Phase II We implement ‘processing optimization’ where we help the merchant correct future transactions to avoid downgrades and satisfy Level 2/3 processing requirements.

We have tools to audit and analyze credit card processing, and we are uniquely positioned to secure the lowest possible card processing rate, ensure accurate billing, and help merchants reduce their overall payment processing expenses.

We are ready to make a difference to your bottom line by delivering maximum transparency and measurable results. Our experience and expertise in the payments industry, along with our proprietary auditing tools, will deliver unparalleled expense reduction results.

Merchants Realize an Average Savings of 21% on Processing Fees

Payment Processing Expense Reduction:

Continue using your existing merchant service provider

We work directly with the provider, on your behalf


Our two phase approach maximizes savings opportunity:



Phase I – we ‘right-size’ the account plan, placing the merchant on the correct plan type with the most competitive plan rate. Savings are immediately realized moving forward.

Phase II – we implement ‘processing optimization’ where we help the merchant correct future transactions to avoid downgrades and satisfy Level 2/3 processing requirements.


Our network of merchant services providers is immediately available should a merchant choose to obtain or switch processing services


We are a Partner Provider for the two largest payment gateways, Authorize.net and PayPal, offering wholesale pricing to merchants


Our team has the experience and expertise to recommend payment processing improvements, including:



Back-office accounting integration

E-commerce solutions

Card Present terminal and POS equipment

Payment gateway configuration and support

We  deliver Maximum Transparency with Measurable Results. See your results in seconds at  www.BusinessRefundEstimate.com