All posts by Janice Schenk

InPAINT Magazine – Consumer Financing: A Powerful Business-Generating Tool

InPAINT Magazine regularly advises their readers – paint professionals – on topics such as tools of the trade, bidding tips, recruiting, paint quality and colors, technology and industry trends. InPAINT MAGAZINE May/June 2019 issue quoted UCFS president, Joe Francesconi in their article In-Home Financing: A Powerful Business-Generating Tool. Mr. Francesconi offers advice on choosing a highly reputable partner to help your business grow. No matter what industry you serve, these words are great advice.


Posted with permission by InPAINT Magazine


A powerful business-generating tool

Sales financing is nothing new. Furniture stores, car dealerships, home appliance merchants and other retailers have been using financing for years to help close deals and, in many cases, increase the size of a purchase.

Over the past few years, a number of finance companies have begun offering financing options to service industries, including home improvement and painting contractors.
Click here to read the full article.
Click here to read the May-June InPAINT issue online


Want to learn more about how your business can partner with UCFS to grow, get more customers approved for low monthly payments and how you can start a new customer’s next project right away, call UCFS at 877-373-3482 or email us at


Deferred Payments for Workers Affected by the Government Shutdown




January 14, 2019 (Cleveland) United Consumer Financial Services wants to tell its customers who have been furloughed and otherwise impacted by the shutdown of parts of the federal government that the company will defer their monthly payment for 30 days and will work with customers who contact them.

“It’s the right thing to do,” says President Joe Francesconi. “It’s how we would want to be treated if we were in a similar circumstance beyond our control.” UCFS works with merchants to provide financing for their consumers. UCFS serves a wide variety of industries including home products, medical procedures and equipment, home improvement projects, retail sales, funeral services and many more.

The company said it did not know how many of its customers were affected by the shutdown and said customers who call the company would be asked “a few simple questions to confirm their situation.” Then customers would be extended the courtesy of deferral, would not incur a late fee and not be “credit rated,” meaning that no report would be sent to a credit agency which could negatively affect the customer’s credit score.

David Girt, Director of Account Services, noted that the company has done this before with individuals impacted by hurricanes in Texas and Florida and flooding in Louisiana, providing as much as 90 days of deferral. “We value our customers and are glad to help during this difficult time,” Girt said. “We ask anyone affected by the government shutdown to give us a call at 1-800-338-6507.”

About United Consumer Financial Services Company:
UCFS is committed to integrity, responsibility and respect. UCFS provides businesses the opportunity to offer financing for their customers.  UCFS supports a broad range of businesses including retail merchants, professional service providers, distributors and in-home product/service providers within the medical, healthcare, home product, home improvement, pet and funeral markets.  UCFS is a Scott Fetzer company.  

Contact: Janice Schenk, Manager, Marketing and Communications,United Consumer Financial Services, 440-835-6643,

Click here to view a pdf.

Susan Crawford, HR Director, Crain’s Cleveland Business Archer Award Finalist


WESTLAKE, OH, August 6, 2018 – Susan Crawford, Director of Human Resources at United Consumer Financial Services Company (UCFS) has been selected as a finalist for the 2018 Crain’s Cleveland Business Archer Award in the Organizational Development category. The annual Archer Award recognizes outstanding human resources professionals in Northeast Ohio for building companies with the “best people, talent, development and culture.

Ms. Crawford said, “I am honored to have been selected as a finalist for the Archer Award. I’ve spent the past 25 years studying, engaging in and implementing programs to optimize the human element of business success and there is still so much more to discover. HR has become a strategic and valued partner in my organizations and I look forward to supporting and driving organizational success through employee engagement at every level. With each new generation we’re challenged to learn and do things better, so to optimize results is essential to understand talent and how to get the best out of each and every employee.”

Susan is an accomplished human resources professional with exceptional expertise and skills in organizational design, employee development, HR process compliance and talent management. She ensures UCFS employees are equipped with the right tools, the organizational design is aligned with company goals and that UCFS is positioned for long-term growth and success.

“As a direct result of Susan’s efforts, we are a better organization!  She has played a vital role in helping to transform our organization, bringing a higher level of professionalism and expectation of our human resources team,” said UCFS’ President, Joe Francesconi.  “Susan adds tremendous value, ensuring care, nurturing and discipline in all our HR efforts, while building trust at all levels of the organization.  She is an exemplary achiever, passionate leader and strong role model for managers throughout our organization and a key member of our leadership team. It gives me great pleasure to see Susan recognized outside the organization as a leader in her profession.”

The Archer Awards Reception will be held on Thursday, August 16, 2018 at the Intercontinental Hotel with over 450 attendees.  Other companies with human resources professionals being recognized in the Organizational Development category include Lubrizol, FirstEnergy and Shearer’s Snacks.  The Archer Awards Title Sponsor is Howard & O’Brien Executive Search.

See Crain’s Cleveland Business article:



UCFS and John Carroll University Partnership



Summer 2018 UCFS Internship Program

WESTLAKE, OH, July 26, 2018 – United Consumer Financial Services Company (UCFS), a leading consumer financing company, offering business partners the ability to finance their customers’ purchases, has partnered with John Carroll University’s Boler School of Business to provide networking, mentoring and employment opportunities for outstanding students. As one of JCU’s Boler Corporate Partners, UCFS participates in college events including: Career Fairs, Meet the Recruiters events, Network for Success and on-campus interviewing.

Summer 2018 UCFS Sales and Marketing Interns with UCFS Sales and Marketing Leadership Team

“As local business leaders and alumni, UCFS President, Joe Francesconi and I connected with John Carroll to form a strategic partnership,” said Joe Drake, UCFS Director of Sales & Marketing.  “Our goal of engaging and recruiting top talent to create a pipeline of future candidates – undergrads for internships as well as graduating students – is being accomplished as we build brand awareness of UCFS on campus.”

United Consumer Financial Services hired two sales and marketing interns this summer, both rising seniors. Annina DaFonseca, John Carroll University Senior said, “Interning with UCFS has provided great hands-on experience in marketing and sales support, aiding me in job readiness. One of my projects is a deep dive into our website SEO and research in Google Analytics – both bringing great value to the company – beyond classroom textbook studies. I’m very thankful for the opportunity.”  The 3-month internship program is mutually beneficial with interns also handling:
– Competitive analyses               – Streamlining customer onboarding
– Trade show effectiveness         – Customer communications.

“Interns gained a wealth of knowledge this summer through real world experiences on topics not necessarily learned in the classroom.  From an HR perspective, we’re supporting the professional growth and development of our future leaders, in addition to creating mentoring opportunities within the organization. Interns bring a fresh perspective to all we do which also helps the company move forward. This partnership is a win-win-win for JCU, UCFS and students,” said Susan Crawford, Director of Human Resources.