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Merchant Fee Consulting

Announcing our Merchant Fee Reduction Program.

AFG is an Authorized Partner with a major national merchant processing consulting firm.:

We help merchants save money from the extremely un-regulated credit card industry without having to switch processors.

There are no upfront costs for our services and we are paid out of the savings we achieve for you, recovering revenue that would otherwise be lost.. We are incentivized to keep our Clients paying low fees each and every month.




Retailers of all kinds

On-line businesses


Medical Practices/Groups


Entertainment venues

(construction related)Trade businesses

Subscription companies (including software)



Collection Agencies


What We Do

The credit card processing industry is very confusing for most merchants as the involvement of so many different players makes it a somewhat complex industry to understand.

We help merchants save money from the extremely un-regulated credit card industry without having to switch processors. Coding errors occur all the time and can cost a merchant thousands of dollars a year. We can spot those errors in a matter of seconds and help put money back in your pocket.

We are the trusted source in merchant services, providing fairness and transparency in the unregulated credit card processing industry. We provide exceptional results and increase bottom lines by protecting our customers from unfair rates, fees and hidden costs.

Our Approach

We understand the processing industry and can help businesses get the best rates and fees. We help merchants save money from the extremely un-regulated credit card industry without having to switch processors.

Our approach is simple.


We will review your statement at NO charge, to uncover hidden fees and inflated rates.


We negotiate with the processors on your behalf to reduce your rates and eliminate hidden fees.


We regularly monitor your statements to watch for rising rates and additional fees.

Contact us at 602-692-2650 or

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Business and Corporate Development Acceleration Program

We offer a solution that you can start using right out of the box with systems that just work.

“Done for You” LinkedIn Lead Package

From Profile Makeover to completely setting up your LinkedIn messages inside and outside of LinkedIn we get you predictable results using LinkedIn as the platform. If your target market is on LinkedIn we will find them and engage with them to produce “Real Business”.

Imagine the connections and and conversations “auto-magically” pouring into your inbox while you focus on your zone of genius and leave the marketing to us!

We truly “Do it for You”. Sit back and get ready to start getting MORE from LinkedIn.

This cutting edge technical (with human oversight) program provides access to people and markets previously difficult to reach, thereby accelerating the growth for any organization looking to penetrate their goods and services.

We are a LinkedIn B2B Lead Generation Partner which builds sales pipelines for your personal or company business development. You identify your target market and we will approach them on your behalf using LinkedIn. Further, our follow-up program is geared to what messages you want sent as well as the frequency to remind your prospects of you. It’s all set up automatically, though with oversight.

We do one thing exceptionally well: marketing our clients on LinkedIn to produce positive engagement with their target market. We build your business exponentially while laying the foundation for your long lasting relationships with our networking.


We find YOUR ideal leads, educate and engage them about your offering, and drive them to your [website, optimized LinkedIn profile, phone, and email using written-for-you customized messaging.] We “knock the doors” and you get the connections and conversations from the leads who are looking for you.

You may know that LinkedIn is the largest B2B Social Platform in the world. People are doing REAL BUSINESS on LinkedIn every day. If you are under-utilizing the power of LinkedIn you are missing out on that business. We help you to take advantage of vital networking connections by messaging and engaging 1000s of people on LinkedIn every month, allowing you to generate new business and keep your sales pipeline full of fresh prospects.



Any firm with a salesforce that is B2B related; and offers solutions to client challenges

Any professional or company in the following fields (to name a few):

Business Attorney,

Business Brokerage


Payroll companies

Marketing professionals

Commercial Insurance Brokerages


Chambers of Commerce’s (for certain member types)

Action Coach/Business Consultants

Advertising and PR Agencies

Commercial/Business Lawyers

HR Consultants

Employment/Staffing Agencies


Business/Office Supplies

Manufacturing/Manufacturers Reps


Digital Marketing & PR Agencies


A Few Common Problems that we solve:

  • Not really sure how to use LinkedIn effectively for your niche?
  • Not enough consistent qualified B2B leads for your business?
  • People like you are using LinkedIn to secure more business but are you are not sure how they are doing it?
  • Not sure how to consistently Prospect on LinkedIn for new business?



  • Training and Coaching for LinkedIn Users…
  • A LinkedIn “Prospecting Plan of Action” set in place that gets results.
  • Building targeted connections on and off of LinkedIn for you.
  • Offering “Done for You” services – Profile makeovers to a complete LinkedIn “Plan of Action”


The Call to Action:

The fact of the matter is that people are doing REAL business on LinkedIn. Connections are NOT just being made but relationships are being built and “Real Deals” are being closed for the benefit of both parties. If you want to take your business to the next level and fill your schedule with your target market…your specific niche, contact us.


Schedule a time for a Quick Call to see if this is a good fit for both of us. We look forward to it.


Contact us at 602-692-2650 or

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Revenue Recovery for Addictive Treatment Centers



  • The Almo Financial Group has partnered with Claim Path Solutions (CPS) to recover lost revenues due to insurance industry practices.
  • With well over 100 years of healthcare and business experience, CPS was carefully selected as an effective team on behalf of our clients.
  • The Affordable Care Act (ACA) has made it the legal and financial responsibility of insurance carriers to properly pay for mental health and addictive treatment center services.
  • Our focus is the reimbursement of out-of-network insurance policies for treatment centers.

Graph Of Business Budget

We fully appreciate the work and effort that treatment centers provide their patients and the dedication it takes to help put these people’s lives back together.  In that light, we are proud to serve this community by putting money back into their pocket – money unfairly held back by health insurance companies.

Whether strategic and professional negotiations will achieve the results you deserve or should legal action be necessary, AFG and CPS will be there for you.


Upon Client Acquisition and adhering to appropriate HIPAA procedures, CPS will review all out-of-network cases, current and within the past year to determine how much money our team is expected to return to our Clients.  We will work with or independently of (depending on the situation) with our Client’s billing staff and aggressively pursue the thousands of dollars that are/have been left on the table.

CPS LEADERSHIP TEAM.    Founded by Travis Newman, CEO, Tom Blakely, COO and Larry Rogak, CLO; CPS and AFG are dedicated to achieving the best revenue recovery results in the industry.

CONTACT US:  Please contact David Almoslino at or (602) 692-2650 to see if your treatment center qualifies for our valuable services or for more information.  We’re here for you.

AT THE END OF THE DAY, and as a result of our services you can expect all of the following:

  • More money into treatment center coffers
  • Higher profit, which translates to
  • Higher Value of your Business
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Meeting Conference Table Board Room Office ConceptDeals fall apart for many reasons – some reasonable, others unreasonable.

For example:

• The seller doesn’t have all his financials up to date.
• The seller doesn’t have his legal/environmental/administrative affairs up to date.
• The buyer can’t come up with the necessary financing.
• The well known “surprise” surfaces causing the deal to fall apart.

The list could go on and on and this subject has been covered many times. However, there are more hidden reasons that threaten to end a deal usually half to three-quarters of the way to closing. These hidden reasons silently lead to a lack of or loss of momentum.

This essentially means a lack of forward progress. No one notices at first. Even the advisors who are busy doing the necessary due diligence and paperwork don’t notice the waning or missing momentum.  Even though a slow-down in momentum may not be noticeable at first, an experienced business intermediary will catch it.

Let’s say a buyer can’t get through to the seller.  The buyer leaves repeated messages, but the calls are not returned.  (The reverse can also happen, but for our example we’ll assume the seller is unresponsive.) The buyer then calls the intermediary.  The intermediary assures the buyer that he or she will call the seller and have him or her get in touch.  The intermediary calls the seller and receives the same response. Calls are not returned.  Even if calls are returned the seller may fail to provide documents, financial information, etc.

To the experienced intermediary the “red flag” goes up. Something is wrong. If not resolved immediately, the deal will lose its momentum and things can fall apart quite rapidly. What is this hidden element that causes a loss of momentum? It is generally not price or anything concrete.

It often boils down to an emotional issue. The buyer or seller gets what we call “cold feet.” Often it is the seller who has decided that he really doesn’t want to sell and doesn’t know what to do.  It may also be that the buyer has discovered something that is quite concerning and doesn’t know how to handle it. Maybe the chemistry between buyer and seller is just not there for one or the other of them. Whatever the reason, the reluctant party just tries to ignore the proceedings and lack of momentum occurs.

The sooner this loss of momentum is addressed, the better the chance for the deal to continue to closing. Because the root of the problem is often an emotional issue, it has to be faced directly. An advisor, the intermediary or someone close to the person should immediately make a personal visit. Another suggestion is to get the buyer and seller together for lunch or dinner, preferably the latter. Regardless of how it happens, the loss of momentum should be addressed if the sale has any chance of closing.


Copyright 2016 – Business Brokerage Press, Inc.

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Question mark heap on table concept for confusion, question or solutionHow long does it take to sell my business?

It generally takes, on average, between five to eight months to sell most businesses. Keep in mind that an average is just that. Some businesses will take longer to sell, while others will sell in a shorter period of time. The sooner you have all the information needed to begin the marketing process, the shorter the time period should be. It is also important that the business be priced properly right from the start. Some sellers, operating under the premise that they can always come down in price, overprice their business. This theory often backfires, because buyers often will refuse to look at an overpriced business. It has been shown that the amount of the down payment may be the key ingredient to a quick sale. The lower the down payment (generally 40 percent of the asking price or less), the shorter the time to a successful sale. A reasonable down payment also tells a potential buyer that the seller has confidence in the business’s ability to make the payments.


What Happens When There is a Buyer for My Business?

When a buyer is sufficiently interested in your business, he or she will, or should, submit an offer in writing. This offer or proposal may have one or more contingencies. Usually, they concern a detailed review of your financial records and may also include a review of your lease arrangements, franchise agreement (if there is one) or other pertinent details of the business. You may accept the terms of the offer or you may make a counter-proposal. You should understand, however, that if you do not accept the buyer’s proposal, the buyer can withdraw it at any time.

At first review, you may not be pleased with a particular offer; however, it is important to look at it carefully. It may be lacking in some areas, but it might also have some positives to seriously consider. There is an old adage that says, “The first offer is generally the best one the seller will receive.” This does not mean that you should accept the first, or any offer — just that all offers should be looked at carefully.

When you and the buyer are in agreement, both of you should work to satisfy and remove the contingencies in the offer. It is important that you cooperate fully in this process. You don’t want the buyer to think that you are hiding anything. The buyer may, at this point, bring in outside advisors to help them review the information. When all the conditions have been met, final papers will be drawn and signed. Once the closing has been completed, money will be distributed and the new owner will take possession of the business.

What Can I Do To Help Sell My Business?

A buyer will want up-to-date financial information. If you use accountants, you can work with them on making current information available. If you are using an attorney, make sure he or she is familiar with the business closing process and the laws of your particular state. You might also ask if their schedule will allow them to participate in the closing on very short notice. If you and the buyer want to close the sale quickly, usually within a few weeks (unless there is an alcohol license or other license involved that might delay things), you don’t want to wait until the attorney can make the time to prepare the documents or attend the closing. Time is of the essence in any business sale transaction. The failure to close on schedule permits the buyer to reconsider or make changes in the original proposal.

What Can Business Brokers Do – And, What Can’t They Do?

Business brokers are the professionals who will facilitate the successful sale of your business. It is important that you understand just what a professional business broker can do — as well as what they can’t. They can help you decide how to price your business and how to structure the sale so it makes sense for everyone — you and the buyer. They can find the right buyer for your business, work with you and the buyer in negotiating, and work with you both every step of the way until the transaction is successfully closed. They can also help the buyer in all the details of the business buying process.

A business broker is not, however, a magician who can sell an overpriced business. Most businesses are saleable if priced and structured properly. You should understand that only the marketplace can determine what a business will sell for. The amount of the down payment you are willing to accept, along with the terms of the seller financing, can greatly influence not only the ultimate selling price, but also the success of the sale itself.





Copyright: Business Brokerage Press, Inc.