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CompanyProfile

ISO/MLS contact:
Aaron Nasseh
Chief Executive Officer
818-330-4055
anasseh@finicalinc.com
www.finicalinc.com

Business processing with a flexible approach

usiness services provider Finical Inc. offers needs," Nasseh said. "We have countless POS solutions
comprehensive payment processing solutions available, our sales professionals analyze each customer's
and capital financing for merchants, as well as particular needs to determine the best and most affordable
B portfolio purchasing for ISOs. Aaron Nasseh, solution for them. The pricing of equipment may vary
the company's founder and Chief Executive Officer, said significantly; it could be as low as a few hundred dollars
Finical offers a one-stop shop with the latest and best to several thousand dollars. Finical also provides a free
technological solutions and the means for merchants equipment program for qualified customers, and we
to eliminate 100 percent of processing fees. Providing don't have any surprise fees. Our mission is to be the only
exceptional customer service is a hallmark of Finical's processing provider our customers will need and, as such,
personalized approach, which treats all of its customers it is important to us that our customers feel that they are
like valued partners and never makes them feel like a receiving a great value for the services we are providing."
number, he added.
The cash discount program lets merchants offset 100
Next-level financing percent of their processing fees by charging all customers
The alternative business loans Finical offers to merchant the same retail price for items, but then adding a small
customers range from $20,000 to $2.5 million. The program service fee for people who do not pay with cash. People
is designed for the 92 percent of merchants in the market who pay with cash are not charged a fee. Service fees offset
who can't qualify for traditional bank loans due to credit merchants' processing fees, enabling them to keep their
issues. Instead of relying on a merchant's credit score the overhead low and, in turn, keep their prices competitively
way banks typically do, Finical reviews the merchant's low, Nasseh noted.
overall revenue and ability to repay the loan, based on Exceptional compliance solutions
minimum gross revenue of $30,000 a month.
Finical offers compliance solutions to help merchants
In addition, Finical enables merchants to provide instant meet Payment Card Industry (PCI) Data Security
credit financing to their customers. If a patron has a
valid checking account and no history of bad checks, the Standard (DSS) requirements. "We recognize the
individual is a good candidate for approval. Loans can be importance of security when it comes to electronic
repaid over a 12-month period. transactions," Nasseh said. "Our sales partners ex-
plain the importance of being PCI compliant to their
If an ISO wants to sell a portfolio, Finical has the capital and
expertise to make the acquisition. To apply, an ISO only customers and generally assist them with the certifi-
needs to provide residual reports of the last 12 months, cation process. We communicate with merchants di-
along with its agent agreement, for a quick approval rectly and provide them with instructions to quickly
decision. If an ISO wants to purchase the portfolio back at and easily become compliant using our online portal.
any time, the ISO can do this at an agreed upon multiple.
If a merchant does not have online access or requires
Exceptional payment processing additional assistance, they may call our dedicated
Finical noted that it provides powerful retail POS PCI team for assistance in completing their certifica-
solutions to support both single-store and multiple- tion."
location enterprises. In addition to transaction processing,
solutions include inventory tracking, ordering, Based in Southern California, with independent
scheduling, and employee time tracking, among others.
Merchants also have multiple payment-acceptance offices throughout the country, Finical is registered
options such as gift and loyalty cards, ecommerce and with Visa and Mastercard, and is sponsored by Wells
mobile solutions, and traditional debit and credit cards. Fargo Bank.

"Determining the best POS solution is a very personalized
experience and dependent on a business's particular
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