Marigold Marketing of Delaware  

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Proven Success

Breakthrough New Business

Built an unsecured personal loan business for a National Bank after they had previously failed. The bank brought Marigold in to lead the business because of our past success.

Established a business model that achieved outstanding results:

  • Generated $1.5 billion in loans by end of second year
  • Profitable from first book of loans
  • Delivered 3.5% ROA in 2nd year
  • Achieved 5.0% + ROA in recent years

Achieved these results despite launching in 4Q 2007, the most difficult economic times in 50 years, when most credit related businesses were losing money.


Targeted marketing performance

Improved customer response  

Dramatic Turn Around

Turned around a personal loan business after major bank had 3 failed attempts.

Created a viable business model and implemented major changes. Changed the value proposition, developed new marketing approach, identified a new target market, instituted a new pricing structure, re-engineered the process, and provided a completely different consumer experience.

Exceptional results achieved include:

  • Increased Net income from $21 million to $30 million in first year
  • Net Income exceeded $100 million 2 years later
  • New business model improved all major metrics significantly, including charge offs, marketing acquisition, retention, and unit costs

Here’s what Clients say about these successes:

"These results are almost too good to be true."
      CEO of a S&P 500 Company

"You know before this project started, I really did not believe the claims about the performance levels of your past programs.
I believe them now!"
      COO of a Fortune 500 Company

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