New Page 1

Auto Body, Brakes, Tires, Transmission, Tune Ups, Anything Related with New Car sales

Medical Doctor, Dentist, Veterinarians, Funeral Homes, Cosmetic Surgeons, Optometrist

Flooring, kitchen and Bath, Plumbing, Heating, AC, Electrical, Roofing, Painting, Landscaping, Appliances, Furniture, Bedding

Merchants you can now finance the sell of your products or the service you provide to your customers with NO CREDIT CHECK. Now you can finance auto repairs, plumbing jobs and electrical work and get your funds within 48 hours. Customers can make purchases as long as they meet our very simple requirements up to $2,000.00 from your business. Just think you can double your sales using this program by giving them exactly what they need to make purchases.

HOW IT WORKS

happy customer Our program makes it easier for customers to do business with you.

Today more stores are turning away customers and losing sales due to bad credit or the customer’s inability to pay upfront.

A Funding Solutions specializes in offering options to consumers no matter what their credit score is.

With With our finance program, a customer's total purchase price can be split into 4 simple and easy payments.

Let's look at the process for a product or service that has a total purchase price of $575.00

Initial Down Payment: $189.75

(33% of total purchase price; drafted directly from the customer's checking account)

30 Days later: $128.42

(Remaining total of $385.25 divided into 3 simple & easy payments; drafted directly from the customer's checking account)

60 Days later : $128.42

(Remaining total of $256.83divided into 2 simple & easy payments; drafted directly from the customer's checking account)

90 Days later $128.42

(Final payment of $128.42 drafted directly from customer's checking account)

The first payment is 20% of the total purchase under $1,000.00 and 33% over $1,000.00.

Finance options for your customer = $575 UPFRONT TO YOU with no default recourse.

Benefits to Your Business:

Additional financing options
Increased number of sales
Reduce number of layaways
Repeat customers
Expanded customer base (35% of U.S. consumers have bad credit)
Even if a customer has good credit, the 90 day no credit financing plan gives your store and your customer options
Have the edge over your competition

The merchant has a customer who wants to BUY
TODAY but doesn’t have all the money…

Now, it's as simple and easy as 1... 2... 3...

All the customer needs is a valid driver's license or other state-issued or military I.D, a valid checking account and a source of income (includes unemployment income, child support etc.)

STEP 1
The merchant calls our 800# and gives our representative the amount of the purchase (up to $2000 unless merchant is approved for higher amounts), the customer’s name, social security number and the name of their employer.

Within just 3-4 minutes they are approved or declined - 75% are approved!

STEP 2
The customer signs a simple one page security agreement and writes out 4 checks.

The first check is for one-third of the total purchase and will be debited from their checking account within 72 hours.

The 2nd, 3rd and 4th checks are each for one-third of the remaining balance. We will debit the customers checking account 30, 60 and 90 days later.

STEP 3
The merchant runs the checks and security agreement thru the Check Imager and the VeriFone Terminal prints a receipt which the customer signs. WE HAVE AN INTERNET ONLY OPTION AVAILABLE IN CERTAIN CASES.

The Transaction Is Complete!

The customer will now have their purchase spread over 90 days.
The merchant will be funded 100% in 48 to 72 hours
Once the transaction is complete the merchant doesn’t have to worry about billing, bad checks or collecting the funds. There is absolutely no recourse or risk to the merchant.

FAQ

How can your program help my business?

With A Funding Solutions you can offer your customers an in-house “90 days - No Credit Financing Plan” payment plan. You will receive your money upfront within 48 hours of the sale. No lost sales. No collections. No bad checks.

How quickly do I get funded?

You will receive payment directly into your checking account within 48 hours of an approved transaction.

Will I really get more business due to this program?

You’ll have more sales and greater cash flow because studies have shown more than a 27% increase in sales for merchants who use this type of customer financing as opposed to those who don’t.

How else can your program help my business?

a. No Risk To You: There is absolutely no risk or recourse to you. You have no collections worries. If your customer's checks bounce, it's our problem – not yours.

b. Offer and Advertise "In-Store Financing:” Include this feature in all your advertising. Yellow Pages, Newspaper, Radio, TV, etc.

c. You get paid in advance: You receive your money within 48 hours of the sale, but your customer has 90 days to pay.

d. More store traffic builds exponential growth: More customers means more sales more profits and more referrals.

e. Build customer loyalty : This makes it easier for more customers to do business with you, which builds repeat business and referral business!

How will your program benefit my customers?

1. No credit needed: Only 3 requirements for your customers to qualify. A checking account, valid I.D. and proof of income. 75% of all customers are approved. Their check writing history is the key to their approval.

2. No waiting: Your customer receives the goods and services they want today but get to pay for it over a 90 day period.

3. Easy qualifying: No credit application. No minimum purchase requirement. No minimum income requirement. We create a payment plan to fit their budget. Payments are electronically deducted from their checking account and payments are set up on a pre-arranged schedule.

SUCCESS STORIES

Merchant Testimonials

"I was tired of seeing people with poor credit and cash flow leave without a bed. With A Finance Solution they leave as a customer."

"I am quite happy that we've been using the AFS advance funding service for a few months now. Our customers are also happy as we are making sales we probably would not otherwise make ... not only that but we're also seeing dental services for bigger amounts because our patients can now spread out their payments. We are very satisfied with the high approval rates given these difficult economic times we live in plus we love being funded 100% up front so this is very much a cash flow blessing. AFS makes their settlements on time and in full every time so we never worry about our funding. Would we recommend this program? Absolutely!"

"We have found the AFS advance funding service to be a valuable sales tool when dealing with our customers. We've been making sales we would not have made prior to adding this service ... plus we now enjoy sales for higher amounts than before! It is a wonderful option and remain satisfied with the very reasonable approval rates. Being funded 100% up front is a cash flow benefit that cannot be ignored. AFS makes their settlements on time all the time so we would gladly recommend this program to anyone interested in improving their sales and profitability."

"We have been using the AFS advance funding service for several months now and find it to be of significant value to our customers. We are making sales we would not otherwise make and are also making sales for higher amounts than before given the deferred payment nature of the program. It is a wonderful sales tool and though not every single customer qualifies we are very satisfied with the high approval rates. And, more importantly, so are our customers! We especially like being funded 100% up front and not having to wait months and months for our monies. This is definitely a cash flow blessing and AFS makes their settlements on time and in full every time. We never worry about our funding and would recommend this program to anyone interested in improving their bottom line."

"We have been using the AFS service for over a year now, and are very pleased with how we are able to obtain short term financing for our customers. It definitely brings an extra payment option to our business.

Not only does it help give our customers an option who can't come up with the full amount to still be able to repair their vehicle. It also helps us up sell additional services to the customers who do want to make the right decision for up keeping their car.

In these difficult economic times the AFS program has helped us to increase our business while simultaneously solving a customer need as well. Though not all transactions are approved, AFS provides a very valuable service to us and our clients and we would gladly recommend this program to any retail merchant.

We have even seen an increase in the number of approved applicants over the last few months, making it even easier to help more customers. With the higher approval rates and the recent elimination of the decline fees I am confident we will remain long-term clients of AFS."

"I have been able to acquire sales that otherwise would not have happened. It is easy to use and my customers love the flexibility with their payments. They are able to have major repair work done on their vehicles to keep them safe and roadworthy. I offer this to all of my customers who are trying to decide how to afford their car repairs. The process is simple and effective and easy to qualify.

Thank you for providing this service for small business."

Best wishes,

"We are now able to offer higher ticket services. Our average ticket has gone up 34% since we joined the program."

"The program allows us to offer our customers every method to buy: cash, check, credit card, and "90 days - No Credit Financing Plan". It's great!"

We even provide you free signs to announce to your customers the

NO CREDIT CHECK FINANCING PROGRAM