Resolving the Fear of Financing Clients?

Did Scott know that Woje would spark a revolution in an entire industry? Probably not—but it began with the determination to solve a simple yet pervasive fear: the fear of financing clients.

For Scott, the founder of Woje, the journey started in a one-man sign shop. Like many small business owners, he faced the unrelenting cycle of problems and workarounds, each highlighting a broken system in need of repair. These frustrations soon became the seeds of what is now a national—and soon international—fintech company dedicated to transforming how businesses approach financing.

The pivotal moments were simple but profound:

1. Merchant Fees
Scott hated merchant fees. Why should a business lose money just to get paid? “There has to be a better, less costly way,” he thought.

2. Lost Sales to Financing
After underbidding on a project for Mills Montessori School, Scott was devastated to learn that the job had gone to a competitor—for triple his bid. The reason? The competitor was willing to offer financing. This moment forced Scott to confront a new question: How can I offer financing without breaking my business?

3. Collections Nightmares
Every small business owner knows the nightmare of collections—the time, money, and relationships lost in trying to recover what’s owed. Scott knew there had to be a way to eliminate this fear entirely.

These questions lingered until a friend handed Scott a copy of Rich Dad, Poor Dad by Robert Kiyosaki. The book didn’t just inspire him—it gave him the right question to ask:

"How do I finance my customers, keep the total sale value, retain the interest, avoid merchant fees, and remove any fear of not collecting?"

With this question in mind, Scott embarked on a long and costly journey of trial and error. Every mistake taught him what didn’t work, while every small success added a piece to the puzzle. What seemed insurmountable was eventually resolved in the most unexpected way: a simple, relationship-driven system that addressed every fear businesses have about financing customers.

The results were astonishing:

• The immediate removal of the fear of financing own customers
• Reduced or eliminated merchant fees
• Seamless financing processes
• Retained interest income
• Near elimination of collections
• Long term customer retention

And it worked for more than just signs. Scott expanded the system to include equipment, furniture, lighting, coaching, and more—proving its versatility and reliability across industries. Over 22 years, his system maintained a 100% repayment rate on principal sales, with over 98% interest retention. Even through the challenges of COVID, those numbers only dipped slightly.

What started as a solution for his own business soon became something much bigger. Friends encouraged Scott to share the system with others, sparking the creation of Woje.
 

Woje: Removing the Fear of Financing Clients

Today, Woje is more than a company; it’s a movement. With a team united by shared values and a passion for helping small businesses, Woje has one mission: to return billions in profits to the local businesses that sustain our communities.

We’re here to replace fear with confidence, anxiety with empowerment, and outdated systems with ethical, transparent, and respectful financing.

What started in a small sign shop now grows with every business we serve. At Woje, we’re not just helping businesses thrive—we’re building a future where financing is no longer a fear but an opportunity.

Welcome to Woje. Welcome to fearless relationship based financing.