Credit and Collections Consultant
- Randy Dinwiddie
- 4 hours ago
- 3 min read
Raven Financial Group
Credit Control. Cashflow Recovery. Proven Systems That Stop Revenue Bleeding.
Nationwide Finance & Collections Consulting · Phone: (314) 580-3455 ·
Email: sales@amerishop.biz
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🔥 Business Overview Credit and Collections Consultant
Raven Financial Group builds profitable credit and collections systems for businesses that offer in-house financing, payment plans, or lease-to-own programs. If you carry A/R, you’re either controlling cashflow or bleeding it—there’s no middle. We install a disciplined, field-tested operation that reduces delinquency fast and keeps it down.
Who we serve (nationwide):
Buy Here Pay Here (BHPH) auto dealers
Small loan / micro-lending companies (personal/payday)
Rent-to-Own (furniture, appliances, electronics, tires, tools)
Mobile phone shops with in-house financing
Subscription/recurring-billing businesses
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📊 Proof: Real Turnaround Case Study
Furniture Store – Belton, Missouri
1,800+ active accounts · $3.8M A/R
When we arrived: 47% delinquent at month-end, 18.9% hadn’t paid in 3+ years.
Result: Delinquency reduced to 17.8% within 120 days using our system.
Originally developed under FireStomper International; now implemented exclusively by Raven Financial Group.
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🔺 Trimming the Pyramid™ – Collections Control Model
Most shops wait, then drown in aging debt. Trimming the Pyramid™ is a daily discipline model that controls delinquency from the bottom up—so the top never explodes.
Aging tiers & required action
1–7 days (Low): same-day reminders; lock in a pay date.
8–15 days (Medium): second contact; reset agreement in writing.
16–30 days (High): escalate; pick up money or merchandise.
31–60 days (Danger): mandatory site visit / field collections.
60+ days (Critical): repo/charge-off triggers; close fast, no re-aging.
Discipline we install
Daily queue control (no skipped days)
One account = one manager (no customer confusion)
No re-aging tricks (they destroy real performance)
Same-week promise-to-pay conversion
Professional field collections & closeout criteria...
Rule: Trim the bottom every day—or the top collapses.
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💳 In-House Financing & Credit Management Program
Most failures come from approving the wrong customer and not enforcing payment behavior. We install a credit + collections unified system for products and personal/small loans.
What’s included
1. Application & verification discipline
No signature = no account.
Verify employment, address, ID, and income.
2. Income-based approval limits
No over-renting/over-financing; payments must fit the budget.
3. Risk scoring (behavioral + employment), not just bureau data
4. Down-payment strategy that reduces risk & creates commitment
5. No emotional deals; extensions/discounts are earned, not given
6. Payment Behavior Enforcement™
Weekly/bi-weekly schedules, written agreements, no re-aging
Collections integrated with credit from day one
On pricing/interest (for small loans & in-house finance):
Charge fair, defensible rates. Gouging customers increases defaults. Sustainable programs respect the customer’s budget and protect the business.
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💼 Consulting Services & Rates (Nationwide)
We don’t do pep talks. We rebuild finance operations so the money shows up.
Professional consulting: $129/hour
Schedule: 8 hours/day, Monday–Friday
Daily living incidental fee: $300/day (paid by client)
Travel & lodging: Client-paid
Remote consulting: Available
⏳ Timeline & Extensions
Standard implementation: up to 60 days
Extensions beyond 60 days: $5,000 per week (in addition to hourly, incidentals, and travel)
Maximum program length: 120 days
Post-implementation maintenance/coaching available
📌 Engagement Terms (No Time-Wasters)
Written service agreement
Project outline & objective review
Pre-engagement consultation call
Travel + incidentals + first week prepaid
Owner commitment to implementation (non-negotiable)
> We work with decision-makers ready to enforce discipline, protect cashflow, and win.
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👤 Founder Credibility – Randy Dinwiddie
30+ years building collections systems, credit programs, repossession strategy, and A/R recovery across BHPH, RTO, small-loan, mobile retail financing, and business collections.
Created Trimming the Pyramid™ under FireStomper International; now leads Raven Financial Group as a national implementation partner.
> “I don’t sit in conference rooms and talk theory. I go inside your business and fix what’s broken—fast and for real.”
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☎️ Ready to Stop the Bleed?
If you’re tired of excuses, weak collections, and watching your business burn cash every month—get in touch. I don’t babysit managers and I don’t play corporate games. I rebuild finance systems that work. If you’re serious, call me. If not, move aside.
Raven Financial Group
Randy Dinwiddie – Lead Finance Strategist
Nationwide Business Turnaround & Credit Control
Call: (314) 580-3455 · Email: sales@amerishop.biz
in-house financing consultant; collections consulting; credit management program; BHPH collections; rent-to-own collections; small loan company consulting; mobile phone financing program; delinquency reduction; accounts receivable recovery; credit policy design; payment behavior enforcement; field collections training; repo strategy & triggers; income verification process; nationwide finance consultant, credit manager,collection manager,finance manager, save my business, stop the bleeding on finance disasters,
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