Greensky Credit creates new business model for lending

GreenSky Credit has been operating since 2006. It was in that year that David Zalik, a child prodigy and serial entrepreneur, had an idea that would potentially allow merchants to increase their sales on big-ticket items by billions of dollars each year. Zalik knew from operating a previous e-consulting business that merchants like Home Depot, Benjamin Moore and other sellers of high-end home remodeling, furniture and other items often lost sales due to the simple fact that customers were not competent at assessing the likely price tag on jobs they wanted to do.

The solution Zalik came up with was to facilitate true instant loans at the point of sale. But unlike other forms of retail financing, like in-store financing or installment plans, the loans that Zalik envisioned would be able to be approved at the job site or on a sales call. With this idea in mind, he founded GreenSky Credit in 2006. The model quickly proved itself.

Unlike other fintech startups, GreenSky Credit does not keep any loans on its books. In fact, it doesn’t even really originate loans. The only thing that GreenSky Credit does is line up customers with its partner banks. This incredibly simple model might be easy to write off as being trivial, being an already saturated market or not having a large enough total available market. But Zalik’s genius lay in seeing the huge potential that still existed for high-end loans on niche retail products for customers with excellent credit.

The majority of GreenSky Credit’s customers have excellent FICO scores, usually above 700. This means that the risks that banks incur on these loans tends to be minimal. It also means that from the customer’s perspective, GreenSky can make highly enticing loan offers. Usually, the loan offer that the merchant makes to the customer through the GreenSky interface involved no money down, no payments for a year and zero interest for an introductory period. Zalik says that the vast majority of customers pay back their loans in full before the higher rates and payments kick in.

All told, GreenSky is currently valued at more than $4.5 billion and is murmurring about a possible IPO.

 

https://cardconnect.com/partner/greensky

Why everyone is signing up with Sussex Healthcare

Our health is our greatest asset. This is because there is nothing we can do without good health. However, despite the effort that we put we end up sick at some point. When this happens, we need a place where we can be taken care of and still feel at home. This helps in restoring health quickly. It also strengthens the stability of our body system. Sussex healthcare organization is the place to be in such moments.

The staff of Sussex healthcare is very welcoming. From the moment you walk in the Sussex healthcare, you become the responsibility of the team. They are there to serve you and ensure that your health is in check. This is spiritual, emotionally and spiritually.

They serve very many purposes. For instance, they take care of the old. This is because as much as we may be willing to take care of our elderly relatives, it may not be possible. This is with the many numbers of jobs that we may need to take for survival. For this reason, we may need to take them to healthcare facilities. Here they can receive attention all day. Their health progress is monitored to ensure that they receive early treatment. This is because their systems may not as tough as before.

At Sussex healthcare, the old people are well catered for to keep them happy and healthy. They understand that for a fulfilling life, one needs to be all rounded. This is why they give their patients a very healthy diet. They cook their meals, using fresh traditional products. This is to avoid the complications that come along with manufactured products.

Sussex healthcare also takes care of patients with complicated health conditions and diseases. They provide personalized services for patients with brain traumas, neurological conditions, and individuals with learning disabilities.

Sussex health care has the specialized equipment needed to treat their patients. Their staff is also highly qualified. Their patients are their priority. They are concerned with factors that make the patients happy.

Sussex healthcare encourages their patients to participate in their hobbies. This is to ensure their health are all around. This eases their stress and makes healing process.

Final Verdict

Despite us being careful to maintain our bodies healthy, at one point we may fall sick. It is only possible to heal in an environment that is conducive to the healing process.

Sussex health care makes you feel like you are receiving treatment from the comfort of your own home.

Learn More: www.sussexhealthcare.org/contact-shc.html

Types of Vital Lifeline Screening services

Since it was founded in 1993 in Florida, Lifeline has become a household name in providing preventative healthcare and wellness services. Based in Austin, TX, the company offers affordable ultrasound EKG screenings. Lifeline screening uses state-of-the-art screening equipment to guarantee convenient lab-accurate results.

Types of preventative healthcare screenings:

Ultrasound screenings

Ultrasound uses sound waves to image various structures in the body. During the ultrasound screening procedure, the sound waves are directed to the area of concern, and the consequent echoes are recorded.

Since the technology was improvised during World War II to detect submerged objects, it has been pivotal in the medical field, especially in the specialties of obstetrics ophthalmology. Ultrasound has been used in pregnancy tests because it’s a non-invasive and painless procedure. It’s used for various screenings such as abdominal aortic aneurysm, Ankle-brachial index and Carotid artery disease among others.

Limited electrocardiograph

Lifeline screening conducts an EKG to detect an irregular heartbeat condition called atrial fibrillation. This is a common heart condition that is associated with increasing the risk of stroke. The EKG electrode screening procedure is very non-invasive that patients don’t have to remove their clothes to learn more: http://interview.net/life-line-screening-andrew-manganaro/ click here.

Finger-stick blood screenings

This is a screening used for identifying critical risk factors of chronical diseases such as heart diseases and diabetes. The procedure is very simple because it involves the pricking of the soft pad of the finger to draw a few drops of blood. The equipment used in procedure are approved by FDA and are common in most pharmaceuticals, insurance companies and hospitals. The results are lab-accurate and are provided within a duration of about 10 minutes. Lifeline screenings include Complete lipid panel, High-sensitivity C-reactive protein, Elevated liver enzymes and Glucose screening.

Many of the conditions handled by Lifeline screening have no symptoms. They are health concerns that can be prevented before the symptoms start manifesting through supervised healthcare screenings conducted by professional medical personnel. The aim of preventative healthcare screenings is to detect the risks that predispose an individual to a certain disease or health condition and prevent it before it happens.

The Top Leadership at InnovaCare, Inc

Dr Richard Shinto works with InnovaCare, Inc where he serves as the current President as well as the Chief Executive Officer. Until Aveta Inc was sold in 2012, Richard worked there as the Chief Executive Officer and President. He also served as a member of the company’s management team. Richard Shinto also acts as the Chief Executive Officer of the Health Plans of InnovaCare in Puerto Rico. He has worked in the operational and clinical healthcare for more than 20 years and has therefore acquired massive skills and experience in the field of managed care. Before going to work at the Aveta Inc, Richard worked with NAMM California where he held the position of Chief Medical Officer.

Richard Shinto previously worked at the Medical Pathways Management Company where he was the Chief Medical Officer as well as the Chief Operating Officer. He also worked at the MedPartners where he held the position of Corporate Vice President of Medical management and worked for 2 years. Richard later went on to work at the Cal Optima Health Plan that is located in Orange County, California. While in this company, he held the position of Chief Medical Officer. The career path of Richard Shinto started when he became an internist and later a pulmonologist at Southern California. An established author, he has managed to write many different articles on the topic of clinical medicine and healthcare. He is a graduate of the University of California, Irvine where he acquired his BS. He also attended The State University of New York, Stony Brook where he earned his Medical Degree. Richard Shinto has led InnovaCare Health to achieve tremendous success and growth.

Penelope Kokkinides is also among the top leadership at InnovaCare, Inc. She holds the position of Chief Administrative Officer. Penelope previously served as the company’s Chief Operating Officer before she was appointed to her current position. Before joining InnovaCare, Inc, she worked with Aveta Inc where she held the position of Chief Operating Officer. Rick Shinto has worked in the sector of healthcare for approximately 20 years and has therefore acquired massive expertise and experience in the field. Her specialty is in government programs as well as managed health care.Penelope Kokkinides is a former employee at the Centerlight HealthCare where she worked as the Chief Operating Officer as well as the Executive Vice President. She has greatly contributed to the success and growth of InnovaCare Health. Penelope is committed to implementing the strategic plans of the company as well as developing the health model of the company.