Customer Financing, In-House Financing and Consumer Finance
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Floyd Tapia and CCS Will Work Feverishly To Get 71% or More of Your Customers or Patients APPROVED for Their Easy Financing Program!
What we if we showed you how we consistently approve about 71 percent of all customers who apply for this funding. Keep in mind these are the very same customers you are currently turning away due to their being turned down for financing. Then there are those who never even contact you in the first place thinking there is no possible way for them to afford what you are selling.
Companies such as GE Capital, CareCredit, Wells Fargo and Chase are good programs to offer. However, anyone who uses them will tell you that they still turn down thousands of clients everyday. How many of those declines are yours? We do things differently at CCS which is why most businesses also offer our programs besides theirs. We approve consumers all the way down to a 560 FICO score. We do this for 7 out of 10 declines on an average day-to-day basis.
We loan anywhere from $1000 to $30,000 with no money down, no prepayment penalties and terms up to 72 months. Don't be confused. These are 100 percent unsecured loans that the customer or patient will enjoy.
Since 2006 CCS is the only choice for 'Cloud Based' lending. And for your peace-of-mind, we are not a broker or middleman. When you work with CCS and Floyd Tapia, you are working DIRECTLY with the financing source who currently controls close to $3 BILLION dollars.
Other Benefits Include:
1. NO Long Term Commitments
2. NO Hardware
3. NO Software
4. NO Lease
5. NO Terminal
6. NO Downloads
Contact Floyd Tapia at (314) 627-5729 to see if your company qualifies for our unique customer financing program. If so, we can get you started immediately and funding approximately 7 out of 10 marginal credit clients or patients within a couple of weeks.
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Businesses Who May Qualify For In-House Financing
These Are the Business Industries We Help Every Day In Taking Consumers and Patients Away From Their Competitors:
1. Cosmetic Surgeons and Physicians
2. Home Improvement Companies
3. Dental Professionals
4. Funeral Homes
5. Motorcycle and RV Dealers
6. Swimming Pool and Hot Tub Dealers
7. Companies That Offer a Product or Service Which Fits Into the Following Range: $1000 to $30,000
Companies who think they do not need this type of consumer financing are only fooling themselves. The economy we live in speaks for itself. Credit scores are down and two-thirds of consumers are already close to maxing out their credit cards.
Smart business owners and medical groups know that offering customer financing will bring them more business and give their clients the opportunity to pay for their products or services over time.
We also work great in conjunction with G.E. Capital and CareCredit as we approve approximately 71 percent of their turn downs. New business dictates your calling us today at (314) 627-5729.
Customer Financing Video Module
Video 1
Floyd Tapia works with CCS who controls $2.8 billion dollars for customer financing. We specialize in helping businesses and medical groups to offer in-house financing to their customers and patients. Consumer financing is more important than ever and allows a person to purchase the product or service they want and need. Call us at 314.627.5729.
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In-House Financing | Customer Financing | Consumer Finance
Business Owners and Medical Groups: Turn Your Consumer Lending Declines Into Cash
Why Consumers Use In-House Financing When Offered
The Consumer Financing Industry - Why We're Needed For Your Business
1. Less than 10% of consumers use cash or check for purchases over $700.00.
2. Approximately 32% of consumers do not have a credit card. And 68% of U.S. credit card holders have less than 5% of their credit limit available for purchases or emergencies.
3. One out of three U.S. consumers are considered prime credit risks which means they have great credit possessing a credit score of 740 or greater.
(Good companies such as G.E. Capital and CareCredit will approve applicants down to a 690 FICO score in most instances. Over two-thirds of Americans have a 680 or less credit score. Will you let those customers or patients get away? Or will you provide customer financing so that they can buy your products or services. There is no risk to you and once you receive your money within 72 hours, it is yours to keep. NO recourse!)
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Mortgage and Loan Modification
How Do We Compare On Your Customers' Interest Rate?
CCS Interest Rate InformationMost of the larger banks throughout the United States are currently charging your customers or patients as much as 27% to 30% interest on their loans. Are your customers going to think you got them a "good deal" at those rates? Maybe... maybe not. Why take that chance.
Since CCS controls and underwrites all our loans directly, we can offer consumer finance interest rates starting at a low 8.99% to a maximum of 19.99% interest, dependent on the consumer's credit risk which only makes financial sense. But even at 19.99%, that's probably lower than your customer's credit card rate. In fact, GE Capital and CareCredit loom around the 26.99% interest rate and approve only those with great credit.
Furthermore, all CCS loans are at a FIXED RATE. There are NO balloon payments, NO cosigner or guarantor fees, and NO prepayment penalties. CCS even offers 0% APR for 12 months on certain deals and no payments for 90 Days on most funding packages.
How Can We Do This?
As we mentioned earlier, CCS controls all their funding. Plus, CCS is not a bank at all. We are a private investment group that controls our own money and can offer you this extraordinary in-house financing program.
Hence, we are comfortable and experienced at lending money at a more reasonable rate. Controlling close to $3 Billion in capital can assure you that 10's of Millions of dollars are available to fund your customers or patients at any time. With over 5 years of experience, CCS knows how to get business done where both you and your client win.
Consumer Finance Poll
Customer Financing Poll For Consumers
New Guestbook Comments
We welcome comments and suggestions from both business owners and consumers.
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KimGiancaterino Dec 13, 2011 @ 9:58 pm | delete
- Thanks for an informative lens. I do notarizations on home loans, and they are few and far between these days. Not many households are qualifying. Most loans that do go through are sloppy and take forever to complete. It's a scary situation.
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inhousefinancing
Dec 18, 2011 @ 6:27 pm | delete
- I couldn't agree more. And sadly many experts are predicting that 2012 won't be much better for our housing industry. I do hope professionals like yourself continue to get whatever business there is out there and that loan originators and underwriters get better at the paperwork end of things.
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poddys Dec 9, 2011 @ 3:45 pm | delete
- I'm not sure what CCS is. There are so many different acronyms I always get confused. Assuming it's American, it sounds it. In some ways I am pleased that we are renting a house these days, because all the mortgage companies I have had to deal with have been crooked.
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inhousefinancing
Dec 18, 2011 @ 6:15 pm | delete
- Thank you for your comment. CCS stands for Cooperative Credit Systems and we do perform business in the United States at this time. I am glad to hear that renting has been good to you financially. Fraud prevention measures are being talked about all the time and has been reported will be initiated soon. It saddens me being in the financing industry that consumers like yourself have suffered from the misconduct of lenders instead of being taken care of properly. I do wish you and your family the best.
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facmodo
Dec 6, 2011 @ 7:53 am | delete
- I guess the most important thing is the price - however, to some extend flexibility in loans repayments can show to be rather valuable, since it will save you a great deal of extra costs on fast/quick loans
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inhousefinancing
Dec 18, 2011 @ 6:34 pm | delete
- Thank you for commenting and visiting my lens.
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bhavesh
Nov 30, 2011 @ 11:48 pm | delete
- Cash-flow is the life-blood of any business and I can see how your programs can help many businesses and individuals get the much-needed cash. Your passion shows for what you offer; thank for sharing it.
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inhousefinancing
Dec 18, 2011 @ 6:24 pm | delete
- Thank you for your comments. I am always looking for better ways to educate consumers and businesses on their customer financing options. And many times great ideas comes from fellow lens masters such as yourself.
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I hope you've found this customer financing lens to be helpful. Be sure to check back regularly for more financial updates. Before you go I'd really appreciate it if you could participate in my poll. Thank you -
Link List
Informative Websites I Invite You To Visit
- St. Louis Beauty Facebook
- Customer Financing Squidoo lens is happy to recommend and share beauty tips from Kristin Tapia, a professional St. Louis Avon representative, who works with women of all ages to enhance their already natural beauty. She shares with women exciting cosmetic tips, info on new products, special savings and Avon product news. Call Kristin Tapia at 314.627.0302 for any questions or suggestions you may have.
- Floyd Tapia | CSS Authorized Financier
- Floyd Tapia is considered a top customer financing expert having written several hundred articles and a book. He along with CCS is dedicated to helping small and medium business owners to retain every possible client and earn their sale by developing an innovative in-house financing program that works better and in conjunction with GE Capital or CareCredit. Your customer or patient no longer has to have perfect credit since we approve approximately 71 percent of all applicants for an unsecured consumer finance loan. Best of all, besides the fact that you receive your money within 72 hours, there is absolutely no risk or recourse to you and your business or medical group. We also offer a competitive cash advance program for immediate cash flow assistance. Both programs are designed to add more cash every month at very little or no expense. Call Floyd at 314-627-5729 to see if your business or medical group qualifies.
- In-House Financing Mobile Hub Website
- Floyd Tapia works closely with small business owners helping them to utilize social media marketing, mobile hub websites and various in-house financing and consumer lending programs to attract new customers while providing $2.8 Billion dollars in easy financing throughout the United States.
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by inhousefinancing
Floyd Tapia is considered a top financing expert having written several hundred articles and a book. He is dedicated to helping small and medium busin... more »
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