Office Equipment Financing

Office equipment includes office furniture, phone system, fax, and computers and so on. These are essential for the productivity and efficiency of any office. A modern office with updated equipments surely increases the appearance of the place. If the office is equipped with necessary amenities then the quality of the work of employees can also increase. However office equipments do not have direct role in generating revenue of any company. Office equipment financing is important to acquire all those essential office equipments. If you select a reliable financing company that offers better terms of financing to acquire office equipment, then you can enjoy the benefits of efficient work place at low monthly repayments.

There are various financing options available for acquiring office equipment. Computers are essential for any office. They are available at an affordable cost. However the computer technologies keep changing and so using the latest advancements help improving the efficiency of any office. Upgrading them may not be possible sometimes. Replacing the old computers in the entire office may be expensive. Hence office equipment financing is indispensable for acquiring latest model computers.

Office furniture financing is yet another option that helps to improve the efficiency and convenience of the employees. Replacing the old furniture with new one or renovating the existing furniture is essential for any office at some point. Investing in office furniture is not at all an expense but it is step towards increased productivity. Modern office furniture not only improves the comfort of the employees but also provides awe-inspiring appearance to the work place. Some reliable financial companies offer easy office equipment financing and so you can submit an application to such companies and can get fast approval.

A phone system is vital for any office for the purpose of effective communication. Any outdated phone system would decrease the effectiveness of business communication. But installing a new phone system in the office is highly expensive. Office equipment financing helps to acquire valuable phone system like PBX system, phone server, Voice mail system, VOIP phone system, and module phone system and so on. Using latest communication system can help improve the business communication. Therefore seeking financial help of any of the reliable financing companies can help improving the business productivity.

A copying machine is yet another important consideration of any office today. Copiers are significantly important for the business operation. The latest technologies in these types of equipment have largely increase the price tags. However Analog copiers, digital copiers and color copiers are essential for a modern office. These equipment increases the convenience and effectiveness of office work. Some reliable financing companies understand the need for copiers in an office and so they offer office equipment financing help to acquire them.

The genuine financing companies offer great help in acquiring office equipment which in turn improves the effectiveness and productivity of the work place. Since these companies do not insist any troublesome procedures to get the loan, anyone can submit either online application or direct application to those companies. They do not waste longer period of time to approve a loan application. Hence you can apply for the financial help at any time you want.

The Latest Trend In Doorstep Loans

These days, individuals frequently have no opportunity to visit loan specialist’s office to apply for quick cash bolster. Henceforth they begin asking financial assistance from relatives and companions that is exceptionally humiliating. Be that as it may, no more you need to shoulder the disgrace of looking for assistance from companions for banks and facilitates everywhere throughout the United Kingdom have presented Doorstep loans. As the very name suggests, finances under this cash backing is conveyed comfortable doorstep. Additionally, the sum affirmed is all that anyone could need for all your unimportant needs that look for your moment consideration.

Until the point that a couple of years back, applying for extra subsidizes was a testing assignment as you were requested to experience repetitive customs. You were solicited to submit piles from archives. Actually, it took a very long time to finish the whole procedure. The greater part of the circumstances, when you got an endorsement, the requirement for stores was finished.

Be that as it may, things changed with online machine mode that scarcely took a couple of minutes of yours. Simply peruse pages and you will run over different banks offering moment cash backing. Because of regularly expanding rivalry among moneylenders, it has turned into a great deal less demanding for you to pick the loan specialist that offers bargains according to your need.

Render your own subtle elements on an online application frame yet ensure it is finished and exact. Numerous loan specialists may get in touch with you inside no season of applying. You can choose from bargains that suits your current needs. In the event that they are happy with your data, assets may be authorized into your bank tally and you can sue it the way you need with no confinements. From paying pending power charges, Visa charges, stockpiling charges; obligation solidification, child’s instructive expenses to traveling, meeting wedding costs and therapeutic urgencies, you can do everything.

Regardless of where you live in the United Kingdom, you will get cash comfortable home as 12 Month Loans. Assets will contact you either as cash or as a check. Loan specialists will charge financing cost contingent upon your current settled pay and reimbursement capacity. Sometimes, reimbursement residency is additionally broadened. Here, loan specialists charge extra expense for late installment. Be that as it may, paying extra sum isn’t an issue as you can dispose of every one of your inconveniences without running all over.

There is all around the energy among the general population about getting the sum specifically at the entryway with no dreary undertaking by any stretch of the imagination. What’s more, the news is valid and spread like a fire over the United Kingdom. In this way, it is awesome time for those individuals, who used to go to the entryway of the bank keeping in mind the end goal to have exchange about the loans. However, now, the time has come to desert the conventional framework for the acquisition of the earnest bucks in light of the fact that the presentation of doorstep loans UK has been influenced the impact in the finance to advertise.

In this way, the borrowers don’t need to squander their valuable time in going all over on the grounds that the sum something like 100 to 500 is specifically dispatched at the home of the candidates inside round the clock. There is no prerequisite of playing out the hassle full customs. In this way, influence a call to the appropriate loan specialist with the sensible enthusiasm to rate and get the sum as ahead of schedule as could be expected under the circumstances.

Will Apple Ever Make It to the Finance Industry?

PayPal on Apple iCloud Issues

Will Apple ever make it to the Finance Industry after PayPal showed negative reactions to Apple launching their Mobile Payment Service Apple Pay?

PayPal publicly questioned Apple’s credibility in getting into the Financial Industry when it announced recently in the New York Times its open contempt on Apple’s new technology. Putting much emphasis on Apple’s recent issue over iCloud, PayPal reminded the public when celebrities’ intimate photos suddenly went into circulation, throwing doubts on Apple’s credibility to secure financial accounts. The Ad accompanying such remark even stated, “We want our money, more than our selfies!”

The Technology to Replace Apple Pay Wallet

After the success of the Apple Pay, Apple is now launching another technology to upgrade Wallet features. This time, cash transactions are quick and made easy through a phone built-in NFC feature. NFC is a sensor strip built into every iPhone 6 and iPhone 6 Plus phones. This strip is found at the top of the phone and is activated once you hold your phone over a sensor. By simply touching the ID for authentication, transaction is done. With the new Apple invention, cash transactions are more quick and easy. For security of transactions, credit cards which appear on your Passbook are secured in an enclave at the phone as the credit card number is never stored. This makes your card number isolated from your transaction as a security code is sent over the wire. So if you lost your iPhone, it can easily be disabled. With the NPC sensor strip, it can turn your iPhone into debit and credit cards for you. You can use it for online transactions without filling up long forms. Just one tap is all you need. Apple Pay also works with Apple Watch but Apple Company still had to work out for more details. Some third Party Apps are also integrated in the new invention paving way for more apps developers in the future.

Apple on the iCloud Breach Issue

After hours of investigation into Apple Security System, Apple CEO, Tim Cook reaffirmed its vehement denial to the allegation that there is a breach in their iCloud Security Feature. According to the result of the conducted investigation, Apple did not find any reason to support Hollywood Celebrity, Jennifer Lawrence’s cries for breach security after nude photos went into circulation in the internet. Other celebrities involved were Selena Gomez, Mary Elizabeth Winstead, Kate Upton and Kirsten Dunst.

Apple insisted that investigation results showed compromises on user accounts, passwords and security questions. In short, they were done by hackers and not a breach issue on the part of the Company. Apple CEO further advised their patrons to use double security measures. Apple also added more security features to avoid compromises in their product and customers security by sending out alert emails every time they log in into their iCloud using web browsers. This does not exclude even those who regularly log in into their iCloud. However, this will only be temporary as Apple works to find more ways to improve their security against nude-crashes. Apple also got some plans to improve iCloud security by sending out emails and push notifications to iTunes users in cases of any attempts seen to change their passwords, restore iCloud data to another device, or log into iTunes for the first time.

PayPal Irrelevant Issue Raises Doubts on Apple Security

Now that Apple had announced the entry of the Apple Pay, with more sensible features attuned to secure data of its users while doing transaction more easier, this could provide them a portal to the Finance Industry. But after the iCloud issue, which proves to be a drawback to Apple Security Measures, will joining the Finance Industry be a good move for Apple? Will it prove to be their downfall or their breakthrough to the Finance Industry?

With these issues to raise, PayPal, the largest online banking showed reluctance if not dismayed on Apple’s decision to go into Finance Industry. What with the large portion of their market brought to them by Apple?

After celebrities nude photos goes into circulation over the web, PayPal’s negative comment on Apple iCloud Security take its drawback as people started questioning and pointing on its effects on PayPal. The allegation against Apple iCloud does not limit the people assumptions that if it happens to Apple, there is a great possibility that the same thing can happen to PayPal any time. This assumption as to PayPal’s loophole in their security was finally backed up by a blog posed by a 17-year old kid from Melbourne, Australia. This post is relevant and probably the very reason why Apple commanded much attention from PayPal and other online financial and banking institutions. If PayPal is getting restless over transactions involving iPhone, how would it react if hackers would finally treat PayPal to the same extent that they treated Apple?

Apple had indeed shown their great expertise in dealing with such crisis. Once again, they prove to their customers and competitors that they are always ready and capable to develop their products and services. They are giving much focus on the provision of full security, both to their products and customers or users. It is but natural for a corporation as big and as great as Apple, to be facing such issues. But what is important is the fact that they never stop in looking for great innovations for the improvement of every product feature.

The battle between Apple and eBay may take its final course in the long run, when people themselves will watch and measure its final outcome. However, being in the same industry where a company’s credibility is at stake over finances, it’s better to collaborate in providing solutions to any loophole in the technology. Conquering the Finance Industry is still a long run for Apple but with the introduction of the new-featured iPay Phone, will they be able to make it or break it in the Finance Industry? Apple’s entry to the finance Industry will surely bring various reactions on everyone, including existing and potential competitors.

Phone System Financing

The technological revolution in telephone systems has changed the way world communicates. Communication methods have changed as business phone systems have come a long way over the several years. High end technologies like call forwarding to mobile phones and voice over voicemail capabilities have made office communications for more simplified that a decade ago. Also integration of current phone systems with other business services like internet makes your communication more current and that is very important for any business.

Therefore, implementing such intelligent phone system for your business requires great deal of capital as this phone system is quite expensive. Whether you want to apply new phone system or upgrading or its for more than one location, calling Phone System Financing company is surely smart move. These companies with their years of experience have attained expertise in financing such phone systems for your business venture. These Phone System Financing companies understand the requirement of optimum phone system technology and helps in all possible ways to best of their knowledge. They offer specially designed financing programs for each type of business needs. Moreover, these companies offer simple and hassle free application for different financing programs, they prove finance in very short period so that you can start your business as early as possible and start your communication to the earliest.

Different options available for Phone System Financing are operating lease, hire purchase, bill discount and small value loans. Some small value loan programs are available for financing binding machines. Those starting new business and require phone systems, can opt for this easy to pay small installment loan program so that do not need to pay heavy upfront prices. On the other hand, bill discount option is quite reasonable when you are buying in bulk and have considerable amount to pay for. When you are expanding your binding business and need some serious productivity improvement, then you might think of purchasing latest binding tools and equipments in bulk.

In operating lease program, you can acquire your tools and equipments you need for your business without any big initial outlay. In addition, no need to waste time for other financing options for your purchase. Also your rental payments can be deductible from your taxes as operating expenses. You can use different leased equipments without any time limit as you are paying rent for it. Moreover, you get about 90 % of resale value for your operating lease equipments. The rental fees for such equipments are low and can be adjusted as per your convenience. Another advantage of operating lease is that you can avoid depreciation of your equipments.

Then other option available in Phone System Financing is of finance lease for your systems. Here in, you cannot own the system, but at the end of contact you get some percentage of resale profit as rebate of rent. This also includes maintenance contract in your rental fees. The monthly fees are fixed expenses so that you can easily plan out your fixed expenses. You can easily arrange through many vendors so that there is no chance for any halt or delay in initialization of system. The amount you earn or save can be used for other major expenses in your business. Why different business ventures prefer this financing option is because of low initial spending on equipments.

5 Money Management Phone Apps For Financial Success

As finance moves further into the world of technology with each passing year, smartphones and money management phone apps are increasingly more popular. By simplifying finance management, some of the best financial phone apps on the market today are free or available at a low cost. There are now convenient applications for checking, savings, interest calculations and more. Here are the top five best financial phone apps used by the professionals of finance.

Tipulator: One Of The Best Financial Phone Apps

Many people believe calculating a tip after a meal should be an easy task that may even exercise the brain. This is often the case with small lunches or dining for one or two. However, once the numbers of those dining out reach three and above, it often becomes a chore to split bills, tips and taxes.

With Tipulator, it is easy to complete all of these tasks and more. Servers appreciate accurate mathematics when it comes to their income for serving your meal. Note that the servers also have to tip out bussers, bartenders and other persons assisting them throughout the night. Shortchanging one server essentially means shortchanging an entire crew.

PocketMoney

Another convenient application used since the mid-1990s, PocketMoney, manages several accounts at once. People across the globe use PocketMoney’s chart and graph creation features to help make more informed financial decisions. Additionally, this smartphone application helps people easily handle repeating transactions, direct deposits and more, all with just the touch of a button.

Pennies App For Everyday Use

This is one of the most widely used money management phone apps in the United States for finance and budget allocation. Allowing users to produce a list of what is spent each week and each month, Pennies makes it is easier to see where your income is going. It also allows the user to place a budget into its system so it can track the proximity to that same budget with each passing day. No longer does an individual need to keep all of their daily figures in their head when they can be safely stored within their easily transportable smartphone system.

Mint.Com Rated One Of The Best Financial Phone Apps

Mint.com is rated by Time Magazine as one of the top 50 best 2011 (financial) phone apps. Used to manage all types of investment accounts and other variable accounts, Mint.com makes your financial life easy while on the go. Password protected and safe, Mint.com has also worked hand in hand with Google places to allow users to find and access financial establishments wherever they may travel.

The Envelopes App Keeps It Simple

Are you looking for an easier, more simplified way to complete online financial management? Envelopes is also rated as one of the best financial phone apps on the market. By allowing you to place different amounts of money into envelopes created for specific budget purposes, you’ll be surprised how easy it is to monitor your expenses. Envelopes allows you to track money usage day in and day out, helping you understand exactly where every dime is being placed on a regular basis.

Top Five Intra Day Trading Tips To Become A Better Trader

In words of Warren Buffet The stock market is a device for transferring money from the impatient to the patient. Let’s read between lines. The investor or trader who is impatient (frequent buy/sell strategy) transfers money to the patient (holding strategy).

Find below herewith five tips which should be followed by a day trader:

Take advice of professional trader

Before one starts day trading it is better to take advice from experienced and expert day trader trainer. Every trainer will have different teaching method and style. See for one who has good teaching method. He should also suit your trading style. They may be ready to teach in their free time. He may charge the fee. As he is spending his free time with you. But it is worth. You can assume that paid fee as an investment, which you need to get knowledge. They are the best share tip providers when you trade.

In future when you grow big, many newbies’s will come to get knowledge from you. At that time you can charge them likewise.

Gather information from financial news

One has to gather news from across the globe. Segregate relevant news, which affects your business. Analyze and set priority which news will most affect your business. Stay updated on news like meetings, change in government policies and rules. Local, national and international news should be followed.

M&A, financial results, entry/exit of members of BOD, etc. These types of related news of the company one have shares in, make sense.

Though the news does not impact a common man but may have an impact on your investment in the concerned company. This news helps to take a smarter decision, especially while trading shares. Through nifty future tips also one can gather information.

Treat trading as any other business

Take day-trading as any other business. It is not a hobby, but a serious business. It is not for fun that one is in day trading. Like any business, it needs devotion and dedication. Trading is a part. One has to devote a lot of time preparing a plan. Study different charts before coming to any conclusion. Follow news on TV, read business magazines, study reports etc. It is a full day activity.

Keep eye on professionals

One should study professionals. What they are buying, when they are selling. For how much time do they hold the script? Since they have experienced one can learn a lot by keeping eyes and ears open and mouth shut. If one makes mistakes, then analysis the mistake. What went wrong and where? You can find them in many share market advisory companies.

Patience

It needs time, energy and devotion to master the skills. As the old saying goes Rome was not built in a day It was destroyed and then rebuild. This process was repeated many times over. Even if one makes loss he has to get up again for a fight.

Traders do not profit all the time. Many a time they incur losses. So one has to be prepared for losses and have patience during the time of loss. Commodity tips are also helpful to know the market trends.

Today’s successful traders were also novice once in a while. They got success by their hard and smart work. They had put in their efforts, made mistakes, but kept up their learning process.

Top 5 Benefits Annuities Can Bring Except The Lifetime Income

Earning a consistent income in their retirement life is a major concern for the seniors approaching their retirement and many of them invest in different annuity insurance plans. These annuities help the insured to receive a guaranteed income for life protects from the fear of outliving their savings. Also, if a senior couple hasn’t saved enough or doesn’t have someone to support after their retirement, these policies help greatly to take care of their daily expenses and maintain a better lifestyle. However, the majority of seniors isn’t aware of all the benefits an annuity can bring. Most of them buy an annuity solely to receive a guaranteed income in their retirement life but the annuities have a lot to offer. Here, we are going to explain five more benefits of a retirement annuity plan that you might not be knowing.

Benefit to your loved ones

At times, seniors pay a long series of premiums to earn them back during their retirement but die at an early age without receiving the complete benefits. Many seniors die soon after their retirement and insurance providers keep their share of investment with themselves. But, the new additional feature allows transferring the benefits to the beneficiaries, if the insured dies early. Along with the immediate annuity plan, you can choose a guaranteed period of 10-20 years that are calculated since the time you start receiving the payments. If you opt for a 20-year guaranteed period with the annuities, your insurer will provide a series of payments for exact 20 years. You can name your spouse or kids as the beneficiary and they will receive the benefits for rest of the period, in case you die early.

Tax deferral on earnings

Most of the investments are applicable for state and federal taxes, but the investments such as interests, annuities, dividends and capital gains earn a tax-deferred status. These investments are tax-free until you withdraw the accumulated amount. The tax-deferral is similar to 401(k)s and IRAs, but there isn’t any limit on the amount and you can put any amount into the annuities that you assume enough to spend your retirement comfortably. Moreover, the minimum withdrawal criteria have more flexibility than that of to 401(k)s and IRAs.

Tax-free investment transfers

Market performs differently at a different time and an investment performing strong today may perform poorly after a certain period. Hence, investors keep transferring their investment amount form one to another fund and there are financial advisors to help with the same. Usually, these investment transfers or rebalancing are applicable for taxes but the annuity retirement plan has no such tax consequences. That means, you can rebalance your investments as per your financial advisor’s suggestion and you won’t have to pay any taxes on that.

Protection from lenders

People take different types of loans to match a better lifestyle and pay the due amount in installments. At times, people reach a stage where they only have the money enough to take care of their fundamental requirements and aren’t able to pay the loan installments. In such cases, if the lender files a lawsuit, they may lose the return on the investments made. Annuities insurance policies also help protect your investment return even if you can’t make the installments. Usually, the premiums you have made to your insurance provider, belongs to them and there are laws that restrict that money to be accessed by the lenders.

Variety of investment options

Insurers help the investors with a range of annuity options at retirement including the fixed and variable one. The first one credits a certain rate of interest on the amount you deposit while with the later, your money is invested in the stock or bonds like mutual funds and provide a return based on the market performance. Also, various insurance providers have introduced different types of floors that set a limit by which your investment value may not fall further. That means, if you have invested in a variable annuity, you return won’t fall below a certain value, despite the fluctuations in the market.

The Benefits Of Trading The Commodity Market

Like trading in the Stock market, trading in the commodity market is also very interesting. While one trades on the basis of Stock Cash Tips in the stock market, the trader can trade on the basis of commodity tips in the commodity market. ProfitAim Research is one such advisory firm, which provide both the best Stock Cash tips as well as commodity tips to the traders.
Commodity market seems to be a lucrative avenue to a lot of traders and Investors. In the Commodity market various commodities are traded and one can take benefit of the price fluctuations to trade effectively in the commodity market. Various commodities are listed on the Commodity exchange and the relative prices of various commodities are traded on the exchange. There are various benefits of the Commodity trading like a trader can make huge profits by trying to forecast the Commodity signals. The most important part of the Commodity trading is to anticipate the Commodity trading signals.
Scalping: Intraday Trading Strategy For Commodity Market
One of the important benefits of the Commodity market is that the trader can form a strategy and trade on the basis of it. The Intraday strategies like First hour strategy or scalping techniques can be followed to earn good profits from the trades. Scalping is a technique to look at the price range during the first hour of trade and then look for a breakout from this range. Thus, if the prices break from the high it’s a buy call and a rise in the prices is anticipated. On the other hand, if a breakout from the lower limit of range is observed a down trend is anticipated. Thus, scalping is an important strategy in achieving good profits from the Commodity markets.
Also, there are other strategies available like trading for small profits. In this case small changes in the Commodity signals are generally traded for the profits. Also, a large number of trades are executed to add up to large profits, this will be applicable in Stock cash tips as well. The Commodity trading signals are unassuming but still with a proper plan and a proper strategy good profits can be made through Commodity markets. The trader can also base their trade based on the advice from the advisory firms who provide free Commodity signals initially and then charge a nominal amount for their services. Thus, the Commodity trading is beneficial if done with proper planning and strategy.
Trading based on the Charts
Trading in the stock or commodity market is an art difficult to master. People use various methods and strategies to trade in the stock markets. Trading based on the charts is one of the ways out of them. Various types of charts exist like Candle Stick charts and line charts. These charts can be plotted with varying time scale. The price movement depicted by chart can be an important way of forecasting future prices.
Thus, one can trade on the basis of charts and by applying suitable indicators of the technical analysis, one can anticipate the price movement. Trading on the basis of intraday Stock Cash Tips is the other way of trading.

How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

Transmission Repair Financing Options

In my last article I talked about using Google AdWords and Bing Ads pay-per-click to drive customers to your website. One of the biggest complaints I get about Internet leads: Customers not having the money to fix their car.

A recent “call shops as a customer” study found:

- Around 65% of transmission shops are quoting at least a ballpark price for rebuilds on the phone.

- Around 80% of general repair shops are quoting ballpark prices for a reman or used unit installation.

- Around 40% of transmission repair shops offer no form of financing options.

The price range for a transmission rebuild or replacement is not a mystery to the Internet shopper. There are websites that give approximate cost information for used, rebuild and reman pricing online. Simply search “transmission repair cost” for an example. $1,800 to $3,500 is what shows up immediately.

An estimated 60K-80K visitors or more in the U.S. see this pricing on a monthly basis, based on search engine estimates. So the Internet shopper already knows, before they call around, what it is going to take to fix or replace a transmission.

When a customer knows up-front they cannot afford repairs using cash or a credit card, and you do not offer financing options on that initial phone call or on your website, they more than likely are going to keep shopping until they find someone who does. A customer without cash or available credit is going to consider used transmissions options or trade-ins if there are no transmission shops available to finance them.

Consider a $2,400 transmission repair: That amount can be tough for many to come up with (cash or available credit). They may call you, they may even set an appointment, but they may not show up for that appointment if a competitor offers financing.

In 2015 there are multiple options for financing, each with their own advantages and disadvantages. In our 2015 Marketing Survey that went out in January, we asked you who you were using for financing. These are the main financing companies used by transmission repair shops today in 2015:

- Synchrony Financial/CarCareOne

- Springleaf

- Cross-Check

- Easypay

- Globalcheck / ARC90

- Secure Payment Systems

- Local Title Loan

- In-House

Any financing program will have its various approval rates and details–but by having at least one or two financing options to mention on the initial phone call will result in more appointment show-ups and more completed vehicles.

As a manager, you should be familiar with the financing options, mention them to every customer, and make it as easy as possible for customers to get financed. If a customer mentions money troubles, you should get them processed and approved right away-before that customer starts thinking about other options.