As a service partner to the pioneers in consumer finance, Decosimo has earned the respect and continued business of some of the largest consumer finance companies in the United States by providing quality audit, tax and specialized advisory services. Some of these clients have locations throughout the United States, some with more than a thousand locations. We are familiar with the strict state and federal regulations specific to this industry. Our experience with a broad spectrum of clients, combined with our memberships with the Community Financial Services Association (CFSA) and the Financial Service Centers of America (FiSCA), gives us widespread exposure to industry challenges and solutions.

We build relationships with our clients that allow for a mutual exchange of industry and client-specific opportunities. At Decosimo we understand that consumer access to financial products is a critical part of a healthy economy and we are dedicated to adding value to our clients by serving as a trusted advisor.

Decosimo's clients in this industry include:

• Rent-to-own operators
• Payday cash advance providers
• Title loan providers
• Pawn shops
• Consumer loan providers

Our consumer finance team is a compilation of experts with the intellectual capital to support multiple service demands. The personnel resources of our firm allow us to provide extensive on-site manager involvement and staff with specific industry experience at all service levels. Our training programs keep our teams informed of current, relevant technical issues and emphasize the importance of recognizing areas to add value and profitability to your business. Our professionals understand the economic, regulatory and business landscape in which these services operate.

We Can Help

Our experience has allowed us to develop a portfolio of services that address both the common and unique demands of the many different sectors we serve.

Assurance Services

• Financial statement audit, complilation and review services with industry specific experience
• Due diligence
• Employee benefit plan audits
• Agreed upon procedures
• SOX 404 compliance
• Internal control evaluation and risk analysis
• SEC advisory/reporting

Tax Services

• Federal, state and local tax compliance
• Research and development tax credits
• Tax planning related to selling a business
• IRS examination support
• Gifting strategies
• Estate planning
• Uncertain tax position accounting and evaluation

Business Advisory Services

• Business and intangible valuations
• Strategic transition planning
• Forensic accounting and fraud examinations
• Merger and acquisition services
• Debt and equity acquisition planning
• Litigation support/expert testimony
• Lease/buy evaluation
• Employee stock based compensation program development
• Process improvement and profit enhancement services
• Internal Audit Consulting
• Human resource placement and labor evaluation
• Loan loss reserve and expense provision analysis
• Sustainable business practice/ resource management evaluation
• New store and growth funding analysis
• Information systems security evaluation and enhancement
• Budgeting and forecasting development
• Development of performance metrics and benchmarking with industry performance
• Cash flow and management evaluations

Decosimo is a member of the Community Financial Services Association of America (CFSA) and Financial Service Centers of America.