PLATINUM ONE LLC.
SALES AND TRAINING
Presented by Platinum One LLC
PLATINUM ONE LLC
NEA90 SALES AND TRAINING TABLE OF CONTENTS
 INTRODUCTION
 WHO WE ARE, WHO WE WORK WITH
 WHY WE’RE IN BUSINESS
 ADDING VALUE
 WHAT ARE WE SELLING/ HOW IT WORKS?
 EPS90
 WHAT SEPARATES US FROM COMPETITION
 PROSPECTING
 WHAT BUSINESSES CAN USE OUR PROGRAM
 FLYERS
 INSTALLATION AND VERIFICATION
 CONTRACT PAPERWORK
 WHAT NEEDS TO BE FILLED OUT
INTRODUCTION
WHO WE ARE AND WHO WE WORK WITH
 PLATINUM ONE LLC REPRESENTS NEA90
 NEA90 HAS PAIRED UP WITH THE NATIONAL EMPLOYERS
ASSOCIATION
 NEA HAS BEEN IN BUSINESS FOR OVER 50 YEARS!






PROVIDES BUSINESS SOLUTIONS TO EMPLOYERS AND CONSUMERS
REPRESENTS EPS 90 (ELECTRONIC PAYMENT SYSTEMS)
EPS HAS AN “A RATING” IN THE BETTER BUSINESS BUREAU
EPS IS A 22 YEAR OLD DEBT FREE COMPANY
PROCESSES OVER $3 BILLION A YEAR IN FINANCIAL SERVICES
HAS OVER 100,000 MERCHANT ACCOUNTS
INTRODUCTION
WHO WE ARE AND WHO WE WORK WITH
 WE PROVIDE MERCHANT SERVICES

OUR MERCHANT SERVICES ARE DESIGNED TO ADD BUSINESS AND
PROFIT BUILDING SALES TO BUSINESSES’ BOTTOM LINE

WE PROVIDE IN HOUSE PAYMENT PROGRAMS THAT MERCHANTS CAN EXTEND
TO CLIENTS THAT HAVE POOR CREDIT, NO AVAILABLE CREDIT, OR THOSE WHO
CANNOT PAY IN FULL AT THE TIME OF SERVICE

THIS PROGRAM BENEFITS THE ECONOMY, YOUR COMMUNITY, BUSINESSES,
AND CONSUMERS
INTRODUCTION
WHY WE’RE IN BUSINESS

THE CURRENT STATE OF OUR ECOMONY HAS FORCED BUSINESS
OWNERS TO LOSE BUSINESS

FINANCIAL PROBLEMS TODAY

WHEN OUR ECONOMY CRASHED, SO DID THE FINANCIAL SECTOR

WHEN THE FINANCIAL SECTOR COLLAPSED, SO DID THE RETAIL
SEGMENT OF THE MARKET

BANKS STOPPED GIVING OUT PERSONAL LOANS

CONSUMER CREDIT IS NOT AVAILABLE OR HAS BEEN REDUCED

VIRTUALLY OVER NIGHT, BUSINESS OWNERS AND ENTIRE INDUSTRIES
BECAME UNABLE TO FINANCE THEIR CUSTOMERS

CONSUMERS ARE UNABLE TO GET THE TREATMENT, PRODUCTS, OR SERVICES
THEY COULD FINANCE IN THE PAST
INTRODUCTION
WHY WE’RE IN BUSINESS
 BUSINESS OWNERS TURN AWAY BUSINESS OR LOSE CUSTOMERS
BECAUSE THEIR CUSTOMERS CANNOT PAY FOR THEIR PRODUCTS
AND SERVICES UPFRONT

OUR PROGRAM IS DESIGNED TO CAPTURE ALL THAT LOST BUSINESS AS WELL
AS ADD BUSINESS BY ALLOWING THE CUSTOMER TO PAY FOR THE PRODUCTS
OR SERVICES OVER A 90 DAY PERIOD

OUR IN-HOUSE PAYMENT PROGRAM IS ESSENTIALLY A REVERSE LAYAWAY
PROGRAM

90 DAY NO CREDIT CHECK IN-HOUSE PAYMENT PROGRAM UP TO $5,000

GIVES BUSINESSES THE ABILITY TO EXTEND A ‘BRIDGE LOAN’ TO CUSTOMERS



CUSTOMER RECIEVES TREATMENT, PRODUCT, OR SERVICE THEY NEED TODAY
MERCHANT IS GUARANTEED CUSTOMER’S PAYMENT PROGRAM
INTRODUCTION
WHY WE’RE IN BUSINESS
 BUSINESSES CAN MAKE MONEY TWO WAYS:
 CUT COSTS OR INCRESE VOLUME
 WE PROVIDE THE MEANS TO INCREASE VOLUME

BUSINESSES WHO CONSISTANTLY USE AND MARKET OUR PROGRAM
WILL SEE AN INCREASE OF CUSTOMER TRAFFIC BETWEEN 20-50%
 SIMPLY OFFERING A NO CREDIT CHECK PAYMENT PROGRAM WILL
INCREASE CONSUMER TRAFFIC INTO PRACTICE, SHOP, LOT, STATION,
OR STOREFRONT
 IF THIS PROGRAM IS NOT ADVERTISED OR MARKETED, CONSUMERS
WILL NOT KNOW THIS IS AVAILABLE
 TO EFFECTIVELY USE THIS SYSTEM, BUSINESSES WILL RELY ON
SIGNAGE, ADVERTISING, AND WORD OF MOUTH

OUR PROGRAM IS DESIGNED FOR TODAY’S ECONOMY!
 MERCHANTS WILL NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER
BECAUSE OF THE CUSTOMER’S INABILITY TO PAY AT THE TIME THE
PRODUCT OR SERVICE IS OFFERED OR RENDERED
ADDING VALUE
HOW WE ADD VALUE IN TODAY’S ECONOMY

WE ADD VALUE BY PROVIDING CUSTOMERS ANOTHER WAY TO PAY FOR
TREATMENT, PRODUCTS, AND SERVICES WHEN PAYING UPFRONT MAY NOT BE
AN OPTION

WE INCREASE CUSTOMER TRAFFIC AND ADD PROFIT BUILDING SALES TO
BUSINESSES

CUSTOMERS ARE NOW ABLE TO RECEIVE TREATMENT, PRODUCTS, AND
SERVICES THEY NORMALLY COULDN’T AFFORD

BUSINESS OWNERS WILL INCREASE THEIR VOLUME AND ARE GUARANTEED
PAYMENTS

WE TAKE ON THE RISK!

NOW BUSINESSES NEVER HAVE TO TURN AWAY ANOTHER CUSTOMER
BECAUSE THEY CAN’T PAY AT THE TIME TREATMENT IS RECEIVED OR WHEN
PRODUCTS AND SERVICES ARE OFFERED
WHAT ARE WE SELLING?
ELECTRONIC PAYMENT SYSTEMS
 ELECTRONIC PAYMENT SYSTEMS
 ONLY SYSTEM AVAILABLE WITH BOTH POINT OF SALE (VISA/MC)
TERMINAL AND 90 DAY NO CREDIT CHECK PAYMENT PROGRAM IN
ONE SYSTEM!
 PRIMARY FUNCTION OF THIS TERMINAL IS TO SCAN AND PROCESS
CHECKS
 CONVERTS PAPER CHECKS INTO GUARANTEED ELECTRONIC
DEBITS FROM CUSTOMER’S CHECKING ACCOUNT
 GUARANTEES THAT THE MERCHANT WILL RECEIVE PAYMENTS
ACCORDING TO CUSTOMER’S PAYMENT SCHEDULE
 ALLOWS MERCHANT TO ACCEPT PAYMENTS FROM THEIR
CUSTOMERS VIA ACH OVER A 90 DAY PERIOD
 FLEXIBLE PAYMENT PLAN FOR CUSTOMERS
WHAT ARE WE SELLING?
ELECTRONIC PAYMENT SYSTEMS
WHAT ARE WE SELLING?
HOW IT WORKS

CUSTOMER NEEDS TREATMENT, PRODUCT OR SERVICE:


LET’S USE A NEW TRANSMISSION AS AN EXAMPLE
VEHICLE IS BROUGHT TO TRANMISSION SHOP
MERCHANT TELLS THE CUSTOMER A NEW TRANSMISSION IS $2,000 FOR
PARTS AND LABOR



CUSTOMER ONLY HAS $1,000 TODAY
HAS LESS THAN PERFECT CREDIT
DOES NOT HAVE ENOUGH AVAILABLE CREDIT ON CREDIT CARD(S) FOR
THE DIFFERENCE
BANK WILL NOT GIVE OUT PERSONAL LOAN
CUSTOMER NEEDS CAR TO GET TO WORK
MERCHANT NEEDS BUSINESS TO STAY IN BUSINESS

WE SOLVE THIS PROBLEM



WHAT ARE WE SELLING?
HOW IT WORKS

HOW IT WORKS:

THE INTEREST IS 12% UPFRONT, ONE TIME

OUT OF THE 12%, WE RETURN 3.5% BACK TO THE MERCHANT (END OF MONTH)

THERE IS A $25 APPLICATION FOR THE CUSTOMER
EXAMPLE



LOAN ON $1,000
12% (INTEREST) ON $1,000= $120
$1,120 + $25(APP FEE)=$1,145

TOTAL LOAN = $1,145

MERCHANT IS ENCOURAGED TO GET AS MUCH UPFRONT AS CUSTOMER CAN AFFORD
THAT DAY

MINIMUM DOWN IS 15% OF TOTAL LOAN ($171.75)


THIS IS CUSTOMIZABLE, SO THE MERCHANT CAN REQUIRE WHATEVER UPFRONT
PERCENTAGE OF THE LOAN AT THE TIME THE LOAN IS OFFERED

EXAMPLE: PARTS FOR NEW TRANMISSION IS 50% OF TOTAL COST OF SERVICE. MERCHANT CAN REQUIRE THE COST OF PARTS
TO BE COVERED UPFRONT
WHAT ARE WE SELLING?
HOW IT WORKS

HOW IT WORKS:
EXAMPLE:

CUSTOMER PRESENTS A PERSONAL CHECK FOR THE MONEY HE CAN PAY
TODAY IN THE AMOUNT OF $1,000 WHILE MERCHANT VERIFIES PROOF OF
INCOME

CHECK 1002

MERCHANT SCANS THE CHECK THROUGH OUR TERMINAL

WITHIN 10 SECONDS, THE CUSTOMER WILL BE APPROVED OR DENIED
THE LOAN

REQUIREMENTS FOR THIS LOAN ARE:
 CHECKING ACCOUNT ACTIVE FOR AT LEAST 60 DAYS
 CHECK WRITING HISTORY IS EXAMINED
 AVERAGE DAILY BALANCE IS EXAMINED IN RELATIONSHIP TO TOTAL
LOAN AMOUNT
NOV 1
$229
CONTINUED
WHAT ARE WE SELLING?
HOW IT WORKS

ONCE OR IF APPROVED, THE MERCHANT WORKS OUT A FLEXIBLE
PAYMENT SCHEDULE FOR THE CUSTOMER TO PAY THE LOAN AMOUNT
OVER THE NEXT 90 DAYS

MERCHANT ASKS CUSTOMER HOW WILL THEY WILL PAY FOR THE LOAN

CUSTOMER INDICATES THEY ARE PAID ON THE 1ST AND 15TH OF THE
MONTH

MERCHANT DIVIDES TOTAL LOAN AMOUNT SO CUSTOMER CAN PAY FOR
THE SERVICES OVER A 90 DAY PERIOD

SOME CUSTOMERS WILL USE ENTIRE 90 DAY LIMIT, WHILE OTHERS WILL
PAY OFF LOAN FASTER
WHAT ARE WE SELLING?
HOW IT WORKS

EXAMPLE:

5 PAY CHECKS
TOTAL LOAN:
$1,145

PAYMENT EVERY PAY CYCLE
$229

CUSTOMER WRITES 5 POST DATED CHECKS FOR THE AMOUNT OF $229 TO THE MERCHANT





CHECK
CHECK
CHECK
CHECK
CHECK

CHECKS ARE SCANNED THROUGH THE TERMINAL AND RETURNED TO CUSTOMER

1002
1003
1004
1005
1006
5
NOV 15
DEC 1
DEC 15
JAN 1
JAN 15
$229
$229
$229
$229
$229
WHAT ARE WE SELLING?
HOW IT WORKS

4 X 7 INCH PRINT OUT OF PAYMENT SCHEDULE IS PRINTED OFF

CUSTOMER AND MERCHANT SIGN OFF ON THE AGREEMENT

MERCHANT KEEPS COPY OF CUSTOMERS’ DRIVER’S LICENSE, PROOF OF
EMPLOYMENT, AND CONTRACT ON FILE

MERRICK BANK WWW.MERRICKBANK.COM DEPOSITS CHECK AMOUNTS
AT MIDNIGHT THE FOLLOWING DAY OF THE PAYMENT SCHEDULE INTO
MERCHANT’S CORPORATE ACCOUNT

MERCHANT NEVER HAS TO CASH CHECKS
WHAT ARE WE SELLING?
REVIEW
 MERCHANT’S REQUIREMENTS:



VERIFY CUSTOMER’S PROOF OF INCOME
 CALL EMPLOYER TO VERIFY EMPLOYMENT OR
 MAKE A COPY OF CUSTOMER’S PAY STUB
MAKE A COPY OF CUSTOMER’S IDENTIFICATION
 DRIVER’S LICENSE, MILITARY, OR STATE ID
KEEP COPIES OF CONTRACT, PROOF OF INCOME, AND IDENTIFICATION
 CUSTOMER’S REQUIREMENTS:



VALID CHECKING ACCOUNT OPEN FOR AT LEAST 60 DAYS
GOOD CHECK WRITING HISTORY
DOWNPAYMENT FUNDS AVAILABLE IN CHECKING ACCOUNT AT TIME
REPAYMENT APPLICATION
WHAT ARE WE SELLING?
WHAT SEPARATES US FROM THE COMPETITION
 AS A PLATINUM ONE AGENT YOU CAN EXPECT:
 INSTANT CREDIBILITY FROM REPUTABLE COMPANY
 WEBSITE TO DIRECT CUSTOMERS TO

WWW.PLATINUMONELLC.COM COMING SOON!
 WEEKLY WEBINAR TRAINING PRESENTED BY PLATINUM
ONE LLC TO REFRESH AND FINE TUNE SALES SKILLS
 CONSTANT SUPPORT FROM YOUR UPLINE MANAGEMENT
 MARKETING AND ADVERTISING SUPPORT AT NO COST TO
YOU
 WEEKLY COMMISSIONS AND OPPORTUNITY FOR HIGHER
CONTRACTS BASED ON SALES VOLUME
 MANAGEMENT OPPORTUNITY
WHAT ARE WE SELLING?
WHAT SEPARATES US FROM THE COMPETITION
 AS A PLATINUM ONE AGENT:

WHEN NEW SYSTEMS BECOME AVAILABLE THAT FIT INTO OUR
PRODUCT LINE YOU WILL BE AUTHORIZED TO MARKET THESE
PROGRAMS
 NOT REQUIRED TO CAPTURE POS BUSINESS
(ALL OTHER EPS DISTRIBUTORS ARE REQUIRED TO DO THIS, MUCH
MORE DIFFICULT SALE)
 HIGHEST COMMISSIONS AND ROOM FOR ADVANCEMENT IN THE
INDUSTRY
PROSPECTING
WHAT BUSINESSES WILL BENEFIT FROM OUR
PROGRAM
 BUSINESSES WITH INVOICES ABOVE $300
 TARGET MARKETS INCLUDE:








DENTAL PRACTICES
ATTORNEYS
AUTOMOTIVE REPAIRS
AUTOMOTIVE SALES
VETERINARIANS
FUNERAL SERVICES
CONTRACTORS
FURNITURE SALES
 MANY RESOURCES TO FIND OUT COMPANY
INFORMATION
 FIND BUSINESSES NEAR YOU!
 WWW.SEEKANDFIND.COM AND WWW.4LPI.COM (PARISH BULLETIN
ADVERTISING)
 IF YOU HAVE A LIBRARY CARD WWW.REFERENCEUSA.COM
 NARROW YOUR SEARCH TO THE INDUSTRIES LISTED ABOVE IN
YOUR IMMEDIATE AREA
 IDENTIFY DECISION MAKER
PROSPECTING
NEA90 SAMPLE FLYER
PROSPECTING
PLATINUM ONE SAMPLE DENTAL MEDICAL FLYER
ELIGIBILITY
WHAT IF A CUSTOMER DOESN’T QUALIFY?
 IF A CUSTOMER DOES NOT QUALIFY BASED ON THEIR CREDIT
RATING AND HISTORY, THERE ARE OTHER PAYMENT OPTIONS:

FIRST OPTION

IF CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT
QUALIFY, THAT CUSTOMER CAN USE THEIR CORPORATION AS THE
GUARANTOR

MUST SUBMIT LAST TWO YEARS OF CORPORATE PROFIT LOSS
STATEMENTS AND LAST YEAR’S CORPORATE TAX RETURN WITH
APPLICATION

COMMISSIONS PAID OUT ON CORPORATION’S RATING
ELIGIBILITY
WHAT IF A CUSTOMER DOESN’T QUALIFY?
SECOND OPTION

IF A CUSTOMER IS DECLINED BECAUSE THE GUARANTOR DOES NOT
QUALIFY, THAT CUSTOMER CAN DO A ONE TIME UPFRONT PAYMENT
FOR THE 48 MONTH LEASE FOR $2900.00

CUSTOMER IS STILL RESPONSIBLE FOR $10.00 MONTHLY STATEMENT
FEES

COMMISSIONS PAID OUT AT A “C” RATING FOR THIS PAYMENT OPTION
INSTALLATION
VERIFICATION
 THE UNIT SHIPS WITHIN 72 HOURS UPON RECEIPT OF APPLICATION



CUSTOMER OR CORPORATION WILL BE EVALUATED BASED ON CREDIT RATING AND
THEN WILL BE GIVEN A RATING (P, A, B, C, D)
THIS RATING WILL DETERMINE YOUR COMMISSION LEVELS
90% OF THE COMPANIES WE WORK WILL BE RATED P, A, OR B (BEST CREDIT)
 FEDEX WILL DELIVER UNIT TO CORPORATE ADDRESS


WITHIN TEN MINUTES OF FEDEX DELIVERY PERSON SCANNING THE BAR CODE ON
PACKAGE, OUR INSTALLATION TEAM WILL CONTACT THE OWNER AND GUARANTOR
AND BEGIN INSTALLATION PROCESS (20-30 MINUTES)
AFTER INSTALLATION IS COMPLETE, A THREE WAY CALL WITH THE LEASING
COMPANY (LADCO) WILL VERIFY THE LEASE AGREEMENT WITH THE GUARANTOR
INSTALLATION
LADCO LEASING QUESTIONAIRRE










1. Can you state you full name?
2. Can you verify the last four digits of your social security#?
3. What is the name of you business?
4. How many years have you been in business?
5. What type of business structure are you? Sole Proprietor? Corp.? LLC?
6. What is your title with the business?
7. What is your percent of ownership?
8. Have you received your system and has it been installed?
9. I show your lease terms are for 48 months at $99.90 a month is this correct?
10. I want to make sure that you are aware that you signed a personal guarantee on a
non cancellable lease?