In this episode, Wayne and Jono delve into the intricate world of business finance, shedding light on the popularity of one-year interest-free finance options that transition into three-year interest-bearing options. They emphasize the importance of seeking professional advice when making financial decisions and discuss the process of offering finance options to customers. They also touch upon the challenges faced by smaller companies in the market and how they can offer financing options to their customers. The conversation then shifts to customer data privacy and financial strategies, with Jono reassuring the team that they do not sell customer data and only market their own products. They discuss the financial aspects of a bathroom renovation project, proposing a payment plan and a maximum deposit of 25%. The team also explores the potential implementation of a stage payment system for loans, with concerns raised about fees and rule-breaking, emphasizing the need for improved systems and possible rule adjustments. Next, Wayne and Jono discuss the benefits and potential risks of offering financing options to customers, emphasizing the importance of charging the right amount and monitoring cash flow. They stress the need to adjust prices and workflows in response to changes in costs or demand. The episode concludes with Wayne expressing optimism about the economy improving by March or April, but voicing concerns about the potential impact of the General election. Contact Jono -   07496776457 [email protected] direct plumbing supplies  Support the show