I don't do nearly the volume of business you do, Vikram, so I don't know that this approach scales very well.

Experian uses a VantageScore on a scale of 501-990.

It is looking more likely that some of the 1099 reporting requirements will get scaled back.

If the FDIC takes over and they force a merger with another bank, then the new bank must honor the lease.

Mississippi usually ranks high on the poverty scale.

With any marketing you have the CONTROL which is your current piece you are using.You start off small and track the numbers of calls,appointments,contracts,and closings.You will get hard data from this.Then tweak your offer some more.Once you are getting amazing returns you can scale this up to a larger level.The biggest mistake investors make is trying a marketing message and a medium on a massive scale without even knowing it it performs yet.

States like Texas with no state income tax will blossom heading into a full-scale recovery.

They also offer some corporate services that smaller banks do not, and they have the ability to scale up their lending to meet your business needs regardless of your size.Small banks tend to provide more personal attention and it is easier to establish a good relationship with your bankers.

I'm trying to undesrtand and apply this to my little scale.

I am starting this on a smaller scale now, but am planning to scale up.