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Embedded Finance Performs Double Duty as Sales Enablement Tool The retail sector is struggling with economic volatility and cautious consumer spending. Experts from Versatile Credit, TD Retail Card Services, and AVB Marketing advocate for embedded financing as a solution. Independent retailers often lack the resources for new initiatives, but AVB offers comprehensive support, including consumer financing through partnerships with TD and Versatile Credit. This collaboration reduces transaction friction, improves customer engagement, and provides valuable data insights. Consequently, retailers can increase sales, attract repeat customers, and compete with larger companies. https://okt.to/3AiXt0

Embedded Finance Performs Double Duty as Sales Enablement Tool Retailers face challenges due to a volatile economy and reduced consumer spending. Experts from Versatile Credit, TD Retail Card Services, and AVB Marketing suggest that embedded financing, offered through partnerships, can help businesses thrive. Many independent retailers lack the tech skills and budget for new initiatives. AVB’s “one stop shop” provides marketing and technology solutions, including consumer financing. This program, in collaboration with TD and Versatile Credit, streamlines transactions and enhances customer engagement, ultimately boosting sales and profitability. #EmbeddedFinance #FintechInnovation #bankinginnovation #FutureOfBanking https://okt.to/w7e0zL

“I think the biggest piece of the puzzle [...] is the data and analytics that can be used for the AVB merchants of the world, and being able to have one single pane of glass into their complete financing journey and understand where and who might be buying things inside of their establishments,” said Max Rieck, CFO of Versatile Credit, in a conversation with PYMNTS alongside Chris Guido from TD Retail Card Services and Chad Evans from AVB Marketing. “You're going to get some real sales visibility into who's buying what inside of your store […] whether they be in a certain credit tier, or which sales folks on your floor are selling more of what products and who's using financing to drive that sale. If you're multi-location it gets more interesting, because you can start to compare and benchmark against other locations. It's really all about giving the merchant better visibility and depth into their business for them to make actionable decisions.” Versatile Credit can transform your approach to financing with unparalleled insights and a comprehensive suite of tools in-store and online, helping your business not just keep up but stay ahead in a competitive marketplace. Connect with us today and learn how Versatile can help you maximize the potential of your financing strategy through tailored solutions that align with your unique business needs. #Analytics #Data #Sales #Partnerships #WhiteLabel #Payments #EmbeddedFinance #FinTech #Innovation #SMB

Here to enhance your businesses growth 📈 If you're not getting strategic support from your current lender, get in touch, we'd love to have a conversation with you. Lauren Jones Oliver Backhouse Mia Quinlan #Fintech #Finance

Is your D2C brand in a tight cash position? Wanna know how much cash you need over the next 90 days? Here’s how to estimate that: Cash + A/R - A/P - Loans - Dividends + EBITDA —- Cash = bank account now A/R = any in-transit funds (Shopify deposits) or debtors (wholesale customers) A/P = credit cards, tax liabilities, inventory due, vendors due Loans = repayment (principal + interest) Dividends = distributions or owner withdrawals EBITDA = Revenue - Variable Costs - Fixed Costs —- Positive figure -> cash surplus -> you don’t need extra capital. Negative figure -> cash deficit -> this is how much capital you need. —- Apply the formula to whichever timeframe. E.G. for a 60-day cash deficit, consider A/P due, dividends and EBITDA projections within 60 days. Now go estimate your cash needs. P.S. if you need help with cash flow management, forecasting, or financing, DM and I will help. #ecommerce #financing

Global expansion can help businesses appeal to new customers and diverse sources of revenue. Explore the digital tools that can help drive global growth in this great infographic from Discover Global Network.    #DiscoverEmployee #Global #Growth #Digital #Merchant #Business 

Understanding your daily finances is crucial for any DTC brand, and one term keeps popping up as essential: Contribution Margin. It's the figure you're left with after subtracting all variable expenses from your net revenue—like ad spend and shipping. Why focus on this daily? Because while fixed costs like rent or payroll are less frequent, variable costs happen daily, giving you immediate insight into your financial health. As for forecasts, always have a Plan B... and Plan C. The DTC world is full of surprises; having multiple scenarios means you're ready for anything from sales dips to unexpected booms. And when it comes to managing cash—think of it as the lifeblood of your business. Tools like Iris help keep a real-time pulse on your margins, and fintech solutions can boost your cash flow, giving you better terms and credit options tailored for e-commerce. Are you tracking your Contribution Margin? How do you handle financial unpredictability in your business? #Finance #DTC #CashFlow #ContributionMargin #Ecommerce

(3) What's new in MAC - YouTube This is a tremendous value-add for our partners! On this webinar, Sales Support Specialist Kylee Rathgeber covers hot-wiring our CRM for success. #getyourmindright #gymr #poweredbyevolv #builtbyviv #digitalmarketingstrategy #merchant services #cashdiscount #payments

Are you a dynamic Direct-to-Consumer (D2C) enterprise seeking strategic funding to propel your growth trajectory? We are excited to collaborate with you in securing funding ranging from 10 lakh to 10 crores for your company, whether as Unsecured Debt or equity. To be eligible for our support, your company must meet the following criteria: 👉 Operational history of at least 2 years. 👉 Demonstrable Monthly Recurring Revenue (MRR) of 25 lakh INR or higher. 👉 Valuation below 40 crores. 👉 Audited financial revenue from the previous year should be at least 2 crores. 👉 The founding team must retain ownership of 85% or more of the shares. 👉 Presence on online e-commerce platforms. 👉 Presence in Modern Trade channels. 👉 Sustained positive EBITDA. 👉 Clear and achievable growth plan. Please note: In cases where your company is operating at a loss, it is imperative to maintain a minimum 6-month runway for consideration. Please share your Impressive pitch deck : [email protected]