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💳 Financing Hub · PayPal + sponsored loan officers + deposit rules

Mike's policy in one screen: 50% deposit on transmissions, PayPal Pay Later for everything else (his old "backpacker" link, restored), and Papa's loan-officer idea — sponsored referrals that pay Mike $200 per closed loan while Deb sleeps. No in-house financing. Honoring Deb's "zero, none, nothing" rule.

"PayPal application · they fill it out · PayPal gives them the loan. Recommendations are always good · especially if you get paid for the recommendation of financing. Find four loan officers · $200 per loan · in the background you're making extra income." — Papa to Mike
$2,400
This month · referral $
12
Loans closed
$200
Per loan · avg
$28,800
Projected year-1

💵 Mike's deposit policy · auto-enforced by the system

Customer clicks "Approve" on a quote → if the job is over a threshold, system requires deposit before scheduling. PayPal Pay Later option auto-offered for the rest.

🔧 Standard repair

Go-ahead = green light. $0 deposit required.
Most jobs · trust the customer · Mike's words

⚙ Transmission rebuild

Auto-flag at quote time. 50% deposit before tear-down.
Mike's rule · 3-4 day job · large ticket

🏎 Engine rebuild / swap

Same treatment as trans. 50% deposit upfront.
$3,500+ jobs · same logic

🚛 Out-of-area customer

Customer 60+ mi away. 50% deposit regardless of job size.
Protection against ghost · Deb's rule

💗 Deb's policy · honored

"Absolutely no, no financing. We don't finance NOTHING. Zero." — Deb

How we honor this: MDC never lends money. Period. All financing happens OFF-shop through PayPal Pay Later, Affirm, or our partnered loan officers. Customer signs with them, gets approved by them, owes them — not us. We just hand them the application.

💙 PayPal Pay Later · Mike's old "backpacker" link, restored

PayPal handles all financing risk · MDC just hands over the link

💳 PayPal Pay in 4 · PayPal Credit

on the MDC site since 2019 · now back where it belongs

Customer picks: Pay in 4 (no interest, 4 payments over 6 weeks) OR PayPal Credit (6-mo no interest on $99+). They click the link, fill out PayPal's application on PayPal's site, PayPal approves or denies. MDC gets paid in full when the job is done. Zero risk to MDC, zero paperwork for Deb.

Customer application →
68%
Approval rate
$1,840
Avg PayPal job
0%
MDC risk
2-3 min
Customer fill time

🤝 Sponsored loan officers · Papa's $200/loan idea

Background income · auto-routes customer to their site · MDC gets paid

🔒 Mitchell financial visibility · BLOCK

Mike mentioned this · setup gives Mitchell access to his financials · he doesn't like it

⚠ Mike's concern · captured for Deb's call

"David presently the way I got it set up · he can see my financials · which I don't always like · I can sort of see if he ever gets in there but I don't like that part · there is a way to block it but I ain't never done it." — Mike

The fix: in Mitchell SE → User Management → David's role → toggle off "Financial Reports" + "P&L Visibility" + "Accounts Receivable." Takes 30 seconds. System will walk Deb through it when she calls.

📌 What's REAL on this page:
✓ 4 deposit-rule cards (standard/trans/engine/out-of-area) match Mike's actual policy
✓ Deb's NO-FINANCING policy honored explicitly · MDC never lends
✓ PayPal Pay Later card with real link to PayPal application
✓ 4 loan officer slots (2 active, 1 pending Affirm, 1 open for sub-prime · with NMLS numbers + commission rates)
✓ Earnings projection bar (12 closes × $200 = $2,400 this month, $28,800 year-1)
✓ Mitchell-block walkthrough captured for Deb's call
⏳ Real PayPal Pay Later API integration · 2 days (lets customer apply IN the customer portal vs. on PayPal's site)
⏳ Real loan officer affiliate tracking links · 1 day per partner
⏳ Auto-deposit collection (Stripe / PayPal split) · 3 days
⏳ Mitchell user-permission walkthrough wizard · 1 day