If you are a small business owner retailing consumer products or services and you are not offering consumer receivable financing to your subprime as well as prime credit rated customers you are at a considerable disadvantage in today’s marketplace. Even as our economy at the time of this writing, is in the eighth year of expansion, the retail industry itself is facing an existential crisis. For example, the parent company of both Sears and Kmart stores, Sears Holdings, said recently that it had ”substantial doubt” as to its survival prospects. This is due largely to the fact that it has lost more than ten billion dollars over the last six years.
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