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Ideal Financial Solutions Inc.
Ideal Financial Solutions Inc. () created and markets a proprietary financial software system designed to assist individuals with debt related issues in improving their personal financial condition. The company is unique in that its software systems have recently become a popular addition within the rapidly growing payday loan industry, which was recently reported to be $42 billion annually in (a 2011 article ) in the ''Nashville Ledger''. Notably, the company's financial systems are unique insofar that they actually, when applied correctly by the user, can lead to a payday loan customer not needing the very loan through which they were introduced to Ideal Financial Solutions. As of November 2011, Ideal Financial Solutions was providing its debt services to thousands of consumers daily in numerous verticals in addition to the payday loan industry and white label relationships. Additionally, the company is fully reporting on an American stock exchange (OTCBB), trades on average (November 2011) nearly 30,000 shares daily and has historically been one of the most heavily followed microcaps in the publicly traded microcap arena. For the third quarter of 2011, the company (reported revenues ) in excess of $3.2 million with profits of 2.5 million, serving hundreds of thousands of customers in the period with its unique systems.
==History==
Ideal Financial's fee-based, web-based personal financial management service for the U.S. market was created by entrepreneur Steve Sunyich in 1993 and has seen numerous revisions and modifications both in the delivery of its services as well as its marketing. Ideal originally only provided its services to the wealthy due to its original $10,000 dollar price tag, but has since created much more affordable price points for the growing mass market. The company was buoyed by the decline in the U.S. economy as more Americans found themselves in financial distress and thus altered their pricing and service platform to better identify and assist this growing market in using its proprietary financial systems to improve their personal financial condition. This resulted in a precipitous increase in revenue for Ideal Financial in 2009. Subsequently, the company became a heavily traded stock in the sub-penny, microcap sector and experienced tremendous increases in price per share (PPS) and Average Daily Volume, peaking at a split-adjusted price of $2.30 per share in 2009. Soon after in 2010, given substantial changes to the credit card processing industry on which many of Ideal's transactions were reliant, the company entered into a self-imposed restructuring of its business model during which it reported frequently to the market via press releases (available here.) In this period of time, the company altered both its marketing strategy and processing, becoming more "Business to Business" or "B2B" rather than its previous direct Business to Consumer" "B2C" model. The company also became increasingly less reliant on credit cards for its payments, a move it declared in press releases was a necessity due to perceived instability in the credit card processing arena and due to the company's core belief that consumers should avoid high interest rate credit cards. Ideal Financial is based in Las Vegas, Nevada.
On March 8, 2012, Ideal Financial Solutions was approved to begin trading on the Over-the-Counter Bulletin Board.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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