Did he know that Woje would be the inception point of an industry?

Problems, work-arounds, problems, work-arounds. This is how it all began from an idea to resolve frustrations in a small one-man sign shop into a national and future international fintech company called "Woje, Inc".

The frustrations and solutions came in simple events:

1. He hated merchant fees. Why do you have to now pay someone to get paid from someone? (There has got to be an easier, less costly way.)

2. Mills Montessori School. After designing the signs, and under-bidding to get the sale, he hopped in his car to pick up the deposit, only to find out that a bigger company had come and snatched the job away. The ludicrousness of the whole event was the price Mills Montessori signed for...TRIPLE! Triple the price!?! The same material supplies, the same way of building, and yet they agreed to pay TRIPLE! After his exasperation, he finally asked, "Why?". They said, "This sign company was willing to finance it." (I have to figure out how to finance.)

3. Last was collections. No need to discuss that business nightmare.

All three of these things posed questions, but nothing moved Scott's thoughts drastically forward until a friend lent a book to him.

"Rich Dad, Poor Dad", by Robert Kiyosaki. This book was the answer to figuring out the correct question.

"How do I finance my customers, keep the total on the sales, keep the interest, keep the merchant fees, and not be concerned about getting paid or losing customers to collections?"

Now that he had the right question, then came the arduous journey of trial and costly error to discover the solution. Each error gave him another way of how not to finance, or a small piece of the puzzle moving him closer to the solution of how to resolve the question.

What seemed an impossible struggle was entirely resolved in the most unlikely manner, in the most simplistic way, and led to the creation of a system that allowed him to reduce or remove merchant fees, finance with ease, keep the interest, and practically eliminate collections. In fact, it worked so well that he began experimenting beyond just signs. Soon it was equipment, furniture, lighting, computers, training, coaching, trees, autos, etc., and every time it worked.

This simple system put all the power and income back into his hands, which gave him the ability to give more, serve more, and help others more, all while having a track record of 100% of the principal sales, around 93% of the interest, a cost on merchant fees that was less than a single mortgage payment, for a span of 22 years. The current numbers since Covid are about 99.7% of the principle and 87% of the interest. The other numbers that we should consider would be the long-term retaining of all his customers and their reorders.

It is funny to think that Woje was not planned to become a business. It was created only to help his business. It was friends that told him he should share his system with others. 

Leapfrog forward through ideas, concepts, flow charts, development, tests and validation, along with finding the team members who each have the same core values, trickle in, forming a rebel group of knowledge-based friends, and you have the makings of something bigger than big. A company set on helping the little guys...the local companies...the bread and butter of society, the glue of all local economies. Woje's vision is to put billions of profit per year back in the hands of the local businesses that created it. 

This story may have started in a small one-man sign shop, but the vision will grow with you.