Small is cute but if it a money crisis, it can never look cute as big or small; the need of funds is always a concern. Savings, help from friends, work as the last minute rescuers. But are you sure, they can work every time? Why not find a way out that can help to tackle the small but frequent money crisis with dignity when there is no sufficient saving. The plenty of choices are easy to find in the finance market, they come with varied offers. Obviously, a loan product is the absolute need of the hour.
The 6 month loans are certainly not unfamiliar to you. They are short-term loans with speedy procedures. You can get the funds in a short span of time and mostly on the same day in a few hours. If your need is urgent, the speedy funding of online lending can help a lot. However, forget not to compare varied lenders before the final decision of a loan. There are plenty of lenders with their own set of policies and offers. For your information, avoid the lenders that demand upfront fee. The regulatory authority FCA denies the legal existence of upfront charges or fee.
If you are thinking that due to short tenure the interest rates are high, then you are not completely wrong. But another reality is, there are always discounted rates available. Also, the deals are customised and have personalised pricing. Whatever financial circumstances you have, the lender tailors the loan offer accordingly. Only the most affordable choice is then offered to the applicant. Due to this, the repayments too remain affordable. When instalments are easy, the obligation does not remain a burden anymore. Forget all your worries and anxieties on the rates and start searching for a good and rational deal.
Bad credit? It’s ok, you can apply
The direct lending, as you know is known for its flexibility. It has its own rules to work that are in no sense subjective. The only thing is, that the approach is different. Mainstream finance companies consider credit score as financial efficiency while the direct lenders are more concerned about the current income status. Their logic for this is, past mistakes are avoidable (only) if the applicant has a repay capacity to pay the loan. In the fund seeker has it, there is no problem is giving approval. This is why, despite the bad credit you can apply.
No prepayment penalty
At any moment, during 6 months you may feel that it is possible to pay off the complete loan. It is always good to get rid of the repayments before time. But the prepayment penalty can stop your way. But not to worry as there are several loan companies that take no prepayment penalty. Before you financial decision on a loan, confirm in advance, if the lender takes any such fee or penalty or not. However, it is never difficult to find 6 month loans by direct lenders with no prepayment charges. Just search in the right direction.
Small is not negligible. Need of money should get an immediate attention. Short-term loans are good for that but do not forget to repay the loan on time. This can cause bad credit, otherwise next time you may face obstacles in getting approval on loan.
Three Ways to Simplify your Customer service
If you ask any businessperson what makes their business prosper, some will reply that it is the excellence of the product, some will answer that it is their communication and many will say it is the customer relationship. The third group of people is absolutely right. You may have a super product and state of the art communication strategy but if you are not treating your customers well none of the others will work their magic. Good customer service is like that magic ingredient without which you can neither achieve nor keep success.
Also it is not enough to treat your customers well; you must keep treating them well. Each and every demand that the customer makes of you must be met quickly and efficiently and they must look upon every relationship with your brand as a valued one. These are quite high goals to keep but they are absolutely worth it. Studies reveal that as many as 85 % customers drop a brand after a single bad customer relation. So that is what it takes, only one sloppy customer interaction, to fall from their graces forever. Also one failed customer relationship may have wider effects. Customers rarely keep quiet about their dissatisfaction with a brand. Like a domino effect, their impressions will drive away many potential customers and have a negative effect on your steady customer base as well. You need to take customer relationship very, very seriously if you intend to survive and succeed as a business.
It seems a monumental task but you can actually achieve a good customer relationship by adopting some simple measures. Be prepared, be efficient and be consistent. These are the three main steps that should drive your customer relationship program. Speed and efficiency are the two propellers that should drive each and every customer relationship. This is even more important in this day and age of instant gratification. We are currently living in an era where our demands are met and our needs fulfilled by the simple push of a button. This behaviour has been built into the customer by their constant social and professional interactions. So be ready with a plan which will help you deal with customer needs instantly and effectively.
There are some steps you could take to improve your customer relationships. They are:
Simplify the channel of communications: In order to meet all customer demands and to be accessible to the customer, many companies adopt a multi-channel communication route. They try to be present everywhere, on the phone, email, messenger, texts. This needs a huge infrastructure so do not attempt this if you do not have the structure to provide support. Working in so many silos employees find it difficult to integrate the processes and it can in turn make your customer services patchy. This might increase cost and result in more dissatisfied customers. That being said, customers are using multiple and evolved communication tools in their daily lives. So choose your customer communication tools well, keep them simple and manageable and you have already laid the foundation of a manageable and efficient customer service.
Involve technology: Many companies these days decide to integrate AI into their customer relationship programs along with their customer service representative. It has worked wonders in many cases. Without AI your training cost for customer service executives increase and also puts your customer service executives under a lot of pressure. So, without AI customer service becomes a costly and labour intensive affair. On the other hand , encouraging the customers to help themselves in case of routine enquiries with the assistance of chatbots increases productivity and allows customer service executives enough mind space and energy to address complex and unusual customer demands that cannot be addressed or answered by a chatbot, till date. Involving CRM or Customer Relationship Management software is also a huge step you would be taking in the right direction. Good CRM software can generate automatic responses to routine enquiries and store minute details about the customer’s journey with you. It also lets the entire team have access to it keeping them on the same page. Also with this software you can access this database and reply to your customer queries from anywhere. Enable and empower your customer service representatives with automation and software and watch the number of satisfied customers increase. A good customer servicing team can do wonders with the right tools at their disposal.
Choose your team well: Being polite or nice to customers isn’t simply enough although they are necessary. You need to find the solutions, and find them quick. Your customer service team must have the flexibility and presence of mind to address even the more complex queries with efficiency and speed. For this you need to choose your team well. If they already have access to the previous customer interactions this job is made much easier. Also a cheerful and optimistic disposition helps a lot when the customer is facing a crisis. So, your customer service representatives need to be positive, efficient, quick and flexible to make the customer interactions productive, each time.
With the right team, the right tools and the right strategy you could simplify and improve your customer service to a large extent.
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