Every employee wants a better quality of life, it’s easy to make a good decision
about choosing Caravan as an alternative benefit plan to your organization
 In business for over 10 years
 100% Satisfaction Guarantee
 License and Bonded
 Integrated Credit Solutions
 Enhancing Employee Loyalty
Nationwide.
 Serving both Commercial and
Consumer Client’s
Caravan believes that customized, personal attention for each
individual case is the way to go, and focuses on customer
support and long-term solutions. Our goal is to provide the best
customer service in the industry, and currently our Credit Services
Life-Cycle Management System remains unmatched.
In Short, we have ethical standards, resources, and expertise
that typical credit services companies simply cannot offer.
We are dedicated to helping our clients invest in a better quality
of life, restore their credit and come out with a renewed financial
optimism while saving both time and money.
UP to 80% of financially distressed
workers spend time at their place of
employment worrying about
personal financial issues instead of
working.
Employees often admit that their
concerns about personal finance
interfere with their work. Personal
financial distress, therefore
negatively impacts employers.
Job stress costs American industry
alone $300 billion per year from
factors like absenteeism which are
stress-related.
FACT
More than half of the 550
million working days lost
annually in the U.S. from
absenteeism are stressrelated.
Unanticipated absenteeism is
estimated to cost American
companies $602 per worker
per year, and health care cost
are nearly 50% higher for
workers who report high
stress levels.
STRESS COSTS
Types of Stress
Anxiety
Worry
Stress in the Workplace
Fatigue
Insomnia
Financial Stress
Depression
Blood Pressure
Relationship Stress
Chronic Pain
0
100
200
300
400
500
THE HARD FACTS ON THE COST OF CREDIT
Gross $30K
Good Credit
Neutral Credit
Bad Credit
Monthly
Net Income
$2,187.50
$2,187.50
$2,187.50
Auto Payments
$20K Loan
$563.00
$693.00
$817.00
Mortgage
$150K Loan
$924.00
$1,127.00
$1,330.00
Net Income
$700
$367.50
$40.50
Income
Relativity
$46,154.00
$40,826.00
$30,000.00
 Loss in Productivity
 Health and Wellness
 Low Morale
 Loss time at work
 Workplace Accidents
 Non work related distractions
Financial Problems Cause
The Costs of those Problems for Employers
Building Employee Loyalty
NON-TRADITIONAL
BENEFITS
To maintain organizational
competitiveness, employee
benefit programs must not
only provide traditional
benefits, but also provide
unconventional benefits.
Because the labor market is
evolving based on the
changing needs of your
employees, and has become
increasingly competitive for
highly skilled workers,
innovative employers have
incorporated ‘real life”
benefit options to attract
qualified employees.
REALITY
The reality is your employees are
probably already taking time from
work to talk with co-workers
about personal financial problems,
communicating with creditors
about past due payments, paying
personal bills, balancing
checkbooks, or tying up H/R’s
time cashing in 401k’s or getting
employee advances.
Leaders: Are involved in and committed to both their job and their company. They
Represent the most valuable company asset;
Careerists: Are dedicated to their job, but uncommitted to the company. They mainly care about
their own career and personal achievements, and are thus open to competitive offers from other
Potential employers;
Loyalists: Are loyal to their company in the long term. However, they show less enthusiasm and dedication
In relation to their job tasks, which can reduce their work efficiency;
Passengers: Lack commitment to both their job and their employer. These people often provoke disagreements
among colleagues and may act against the company’s interests at critical moments.
Purchase a
Home
Automobile
Credit Cards
Employment
Investments
Clients come to Caravan Credit Services with less than perfect credit.
Clients with a credit score below 680 is considered to be a credit risk by
lenders and underwriters. This justifies lenders charging you very high
interest rates which equates to paying 200% to 400% of what your
Home is worth or paying $15,000.00 more than what your car
is worth all due to impaired credit.
For years consumers have been denied credit. Whether it’s trying to purchase a home,
an automobile, or credit cards. Over the last few years consumers have struggled with
Finding suitable employment, renting apartments or maintaining basic day to day life
Functions. Consumers have spent countless hours trying to make end meet. Bad
Credit has cost consumers and businesses a large amount of money from lost in
Productivity, employee loyalty, health problems due to stress and family problems
Due to lack of finances and credit. For over the last decade, Caravan has helped tens
Of thousands of clients restore their financial and credit viability.
Once you enroll in Caravans Credit Services Life Cycle
Management System you will be educated on everything
you need to know about the credit restoration process, so
you can be confident in your future credit making
decisions.
At Caravan Credit Services we counsel our clients on the components of the scoring
system that is used to determine the risk level assigned them by an underwriter when they
attempt to make a purchase on credit. We counsel our clients on the importance of paying
on time, the importance of keeping their credit utilization ratio down, and that a blend of
credit can help them keep their credit score at a respectable level. Our state of the art
software allows our restoration counselors the ability to manage and analyze unlimited
loan amortization scenarios to evaluate which one would be most convenient for their
clients. They are able to advise their clients on which credit cards to pay first whether you
want to save money or if getting a better credit score has a priority. Utilizing our client
portal, our clients are able to follow along in real time the progress taking place in
restoring their credit.
The Benefits of Caravans CSLMS
Benefits of Caravan’s Credit
Services Life-Cycle Management
System.
• It enhances your employee
benefits package.
• It creates financial and credit
viability for your employees.
• Reduces Stress and Increases
Productivity.
• No cost or liability to your
company.
Current Non-Traditional
Benefits
•
•
•
•
•
•
•
•
•
•
•
•
•
Massage Service
Transit Passes
Gym Memberships
Fresh muffins every morning
One day off per month
Shorts and Sandals days
Costco memberships
Telecommuting
Nicer Chairs/Equipment
Free/Cheap movie tickets
Pool table/big screen TV in lounge
Ski lift passes you can borrow
Education subsidy
CARAVAN CREDIT SERVICES
To see if Caravan’s Credit Services Life-Cycle
Management System can benefit your company
contact one of our National Account Executives
Today at:
Toll Free no (800) 617-3417
Direct Line: (832) 678-2979
or visit our website at
www.caravancredit.com