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| MARKETING STRATEGY |
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"It's a warm, welcoming attitude that wins customer confidence."
The typical Cash Matters Payday Loan customer is a U.S. citizen whose earnings
are not enough to qualify for major financing but who has sufficient social credibility
and ability to return the loan.
Payday Loans are small-sum, short-term cash loans that help borrowers take care
of their day-to-day expenses. Closely tied to people's lives, they help people get by
for a few weeks until the next pay day comes around. The guiding philosophy at
Cash Matters is our "warm and welcoming attitude." In a highly competitive
consumer finance market, we stick to this principle very closely. To us, the success
of our operation lies in this "people first" principle. We believe that our welcoming
attitude will make a difference and is sure to win trust. Our customer service comes
from the heart, and our shops are simple and clean and approachable by all.
We are best able to put the "people first" principle into effect since we are a
Japanese-American business. By combining Japanese hospitality and American
practicality, our representatives welcome each customer with kindness and
politeness not often seen elsewhere. We provide novelty goods that bring
customers close to us, while our brand-name service wins their loyalty.
Through the successful launch and operation of Payday Loans, we endeavor
to gain a strong foothold in the U.S. financing market.
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| PAYDAY LOAN SYSTEM |
| INTERVIEW |
Our customer representative interviews the prospective borrower at the Service
Counter and quickly determines loan qualification.
(Ex.: The customer applies and qualifies for a $100 loan.) |
| SECURITY |
The borrower secures a cash loan by writing a personal check.
(Ex.: The borrower writes a personal check in the amount of $100 payable
to Cash Matters.) |
| LOAN |
Our customer representative issues the cash loan minus the finance fee
to the borrower.
(Ex.: The borrower receives $85 from Cash Matters.) |
| RECOVERY |
Cash Matters holds the check for two weeks and then cashes it. In this way,
both the full amount of the loan and the fee are recovered.
(Ex.: The $85 loan and the $15 fee are recovered.) |
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