Stephen K. Troy

Recent Posts

Nov 13

Are You the Largest Lender to Your Customer?

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Are You the Largest Lender to Your Customer?

November 13 by Stephen K. Troy in with 0 Comments

 

Quick - who is the largest lender to businesses in the country? If your answer is: Bank of America, CitiBank, JP Morgan, Wells Fargo, or one of the other multi-national banks, you would be wrong . What about Hedge Funds? SBA? Goldman Sacks? Nope! Actually, the largest lenders to businesses are the companies themselves that extend credit payment terms to their customers by way of vendor financing. Also, the amount that is being loaned is increasing, not decreasing. 

Aug 28

Don’t be a Victim: If It’s Too Good to be True, It Usually Is…

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Don’t be a Victim: If It’s Too Good to be True, It Usually Is…

August 28 by Stephen K. Troy in with 0 Comments

Nobody likes a thief. Unfortunately, as the economy gets stronger, and people get wealthier, there is no shortage of people who are looking to separate you from your money. You need to be the one to protect yourself from being one of thousands of victims of fraud each year. Listen to the old adage, “If it’s too good to be true, it usually is!” We are not talking about that random robbery, burglary, or car theft. We are referring to investment fraud. That is a white collar crime. 

Jul 24

You're Taking My Loan?!

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You're Taking My Loan?!

July 24 by Stephen K. Troy in with 0 Comments

Jul 18

Don’t Limit Your Future Growth Selling for CASH

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Don’t Limit Your Future Growth Selling for CASH

July 18 by Stephen K. Troy in with 0 Comments

You might think running your company on a cash basis is a smart and savvy way to do business. You might be surprised to learn that there are many businesses that still sell goods COD. Specific industries especially sell their product COD requiring cash or wire transfer when they sell their goods. It’s a term of sale that has been around since the first camel hit the silk road. 

May 22

Are Salespeople Obsolete?

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Are Salespeople Obsolete?

May 22 by Stephen K. Troy in with 0 Comments

Apr 17

The Disappearing Loan

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The Disappearing Loan

April 17 by Stephen K. Troy in with 0 Comments

Fair Isaac, the company that created the FICO score, was founded by William Fair and Earl Isaac in 1956 at the Stanford Research Institute in Menlo Park. Little did anyone know that one day your FICO score would determine what you buy, where you live, what you drive and possibly what job you have. It wasn’t until 1989 that a general purpose FICO score was introduced to a skeptical public and ever since, we either curse it for holding us back, or we boast about our scores as a measure of our success.

Apr 10

Artificial Intelligence Will Kill Us All

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Artificial Intelligence Will Kill Us All

April 10 by Stephen K. Troy in with 0 Comments

What exactly is Artificial Intelligence (A.I.) and how will it affect us?

Mar 14

Power, Speed and Changing Times

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Power, Speed and Changing Times

March 14 by Stephen K. Troy in with 0 Comments

May you live in interesting times,” is an old Chinese proverb. At first blush, you might think this a blessing, while in actuality it may be anything but. Uninteresting times means few changes. So, it is with that, I say, “We live in interesting times.” 

Mar 08

What is AeroPay Express? 

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What is AeroPay Express? 

March 08 by Stephen K. Troy in with 0 Comments

AeroPay Express is a network made up of financial institutions who offer AeroPay Express Virtual credit cards. Like the early credit card days, where multiple networks could confuse the market and eventually be rejected by buyers and sellers. AeroPay Express is positioning to be the recognized brand for Early Paying Vendors. Without a strong unitednetwork, if a buyer does decide to settle on an early pay system, he/she will most likely choose the one with the largest network and best name recognition. At the end of the day only a handful of companies will survive major disruption in the marketplace.

Feb 27

Membership Has its Benefits 

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Membership Has its Benefits 

February 27 by Stephen K. Troy in with 0 Comments

When Goliath enters a market, there is sure to be major disruption. That’s exactly what happened in 1958 when the Bank of America, one of the nation's largest banks launched the BankAmericard. The introduction of the BankAmericard essentially shut other California banks out of a new lucrative market for credit cards. Within a year, BofA had issued over 2 million cards and signed up 22,000 merchants, making them a giant in a new industry. 

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