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The following article was published in our article directory on July 18, 2011.
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Significance of Finance Direct to Consumers

Article Category: Finances

Author Name: Peter Higgins

Finance direct to consumers is called retail finance. Since the economic downturn a couple of years back, lending companies have been strict in giving out credit. They know that so many people have lost capabilities to pay their existing loan and this knowledge made them very careful in approving borrowers who may post as great risk to the company. Not only is consumer finance directly affected with these turn of events, but the banks and lending institutions as well have gone through some difficult times over the past years.

It is no wonder why a lot of businesses are also looking for ways to assist consumers by offering them a payment scheme that will allow them to make those big-ticket purchases without worrying about how they will be able to get the funding for it. The good thing about this funding is that they are interest free loans. This means that customers will not get stuck paying up a balance that keeps on incurring these ridiculously high finance charges.

Providing finance direct to consumers will not only affect the customers, but also the business owners. Even if you are providing a line of credit free from interest charges, you will still charge a fixed fee, which is where the store owner gets the extra profit. Other than that, by offering retail finance solutions to customers, the business will keep on growing because the customers will keep on coming in especially after knowing that there are payment options even if there is no available credit coming from those big corporate finance groups.

However, some businesses might be concerned that the big players in the lending industry are tightening the measures of giving out credit. As a store owner, you might be a little concerned that funding for your day-to-day operations will be directly affected by providing instalment payment plans to your customers. The truth is that there really is nothing to worry about. Indirect lenders and smaller finance companies have taken the step to fill in the void that these big companies have left.

Since these smaller lending institutions find it hard to compete with the big players, they normally take advantage of the second look option that store owners have for their consumers. These smaller lending companies, otherwise known as debt buyers, aren't being regulated in the same way as the big players are. That is why they can afford to be versatile in approving a wide range of credits even through the toughest of economic times.

Offering finance direct to customers can really help store owners as well as consumers get the best out of each deal. The store owner does not lose business over the credit crunch, on the other hand the consumer can buy whatever he needs through a reasonable payment scheme. It is indeed a win-win situation for both parties and this is exactly what the economy needs for business to pick up its pace again.

Keywords: finance direct, retail finance, corporate finance, consumer finance, interest free loans, fast cash loans, quick loans, guaranteed loans, finance online

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