Media Contact: Terry Casazza




(CINCINNATI —September 11, 2015) Brian Tilley has joined TEMPOE as the Director of Strategic Account Management. Tilley will oversee the relationship and retail programs for TEMPOE’s enterprise merchant retailers.
Prior to joining TEMPOE, Tilley worked for industry leaders within the finance technology industry, including Vantiv (formerly Fifth Third Processing Solutions) and UniRush LLC, for more than 10 years. Throughout his career, Tilley has worked in several different capacities, including relationship/vendor management, sales, customer service, financial reporting, product management, and data analytics.


“I’m excited to join such a forward-thinking organization,” says Tilley. “By continuing to build strong relationships with our Global Merchant Retailers, we can stay on the cutting edge of no credit required shopping programs.”
Brian Tilley holds a Bachelor of Science in Business Administration and Finance from Mount St. Joseph University in Cincinnati, where he resides with his wife and their two baby girls.

TEMPOE, built upon the roots of WhyNotLeaseIt, is a leading provider of no credit required shopping. TEMPOE provides several flexible payment options with the opportunity of quick and economical ownership for consumers. TEMPOE was founded in 2009 in Manchester, New Hampshire, and serves the furniture, home electronics, appliance, jewelry, and automotive industries. For more information, visit TEMPOE.com.




Media Contact: Terry Casazza




(CINCINNATI – September 11, 2015) Sanjiv Karani recently joined TEMPOE as the Vice President of Product Development & Partner Alliances. Karani will serve as a key asset to the leadership team, by advancing development of TEMPOE’s new products and ancillary offerings. He will also lead the marketing strategy to support the company’s overall goals and vision moving forward.


Prior to joining TEMPOE, Karani served in similar roles at several notable corporations, including Zipscene, Cincom, Neputation, PointRoll and Convergys. With more than 15 years of field experience, Karani will help TEMPOE serve the needs of its retail partners.


“I’m excited to collaborate with the team to take TEMPOE’s offerings to the next level,” says Karani. “By continuing to develop innovative new products and services and market them accordingly, we can help our retail partners expand their consumer business.”



TEMPOE, built upon the roots of WhyNotLeaseIt, is a leading provider of no credit required shopping. TEMPOE provides several flexible payment options with the opportunity of quick and economical ownership for consumers. TEMPOE was founded in 2009 in Manchester, New Hampshire, and serves the furniture, home electronics, appliance, jewelry, and automotive industries. For more information, visit TEMPOE.com.


Know TEMPOE: 5 Questions For Amanda Costanzi


With more than a decade of marketing experience, TEMPOE CMO Amanda Costanzi knows how to create customer relationships that build repeat business. We sat down with her to discuss TEMPOE.


How is the TEMPOE brand being received by your existing business partners? What about with new prospects?

We traveled to Charleston in June to unveil our new brand to our top 20 customers, who loved it and are really excited about the direction we’re moving. In fact, the reaction to TEMPOE has been overwhelmingly positive, across the board. From employees and existing retailers to merchant prospects and vendors, everyone is really eager to see all the new program offerings and service enhancements we’re rolling out. JR Zirkelbach, SVP Sales, said this to me, “My retailers are excited about the upcoming launch of the PACE Rewards spiff program for their associates. They know that extra spending on a reloadable Visa card will motivate their team members to continue offering and processing TEMPOE agreements.” TEMPOE is not just a new logo on an old company — it represents new offerings, features and functionality, and can encompass more financial services than WhyNotLeaseIt brought to the market.

Speaking of the new logo, though, our clients and consumers really seem to like the new look and feel. I’ve been told that the new brand is modern, clean and something they can get behind. Feedback indicates that putting the “e” at the end of the name doesn’t change the readability or cause people to mispronounce it, but rather gives a proprietary twist on a meaningful word. All in all, the new brand is a big WIN!


What marketing channels are you using to reach your audience? How about your customers’ customers?

In an attempt to reach our audience in the way that feels most relevant to them, TEMPOE uses multiple marketing channels. We make it a point to communicate throughout the relationship lifecycle with our retailers, as well as with their customers. Digitally, we host content on three different social media platforms, which includes the creation of videos and interactive graphics. We also have a public-facing website, three user portals and multiple landing pages to drive campaigns and promotions. All of our web-based marketing is mobile-responsive and we are working on mobile app strategies. TEMPOE customizes ecommerce experiences for online retail partners and advertises on dozens of retailer resource sites, as well as in print publications. Our physical marketing materials range from a plethora of printed point-of-purchase displays and handouts, to large format exhibits for tradeshows and events, to tailored signage for brick-and-mortar retail locations.

One of the key differentiators of the TEMPOE marketing program is the TEMPOE Outlet. On this portal, we allow retailers to customize their marketing materials with industry-specific imagery and variable text options. Donovan, one of our Detroit retailers, recently said, “Having the TEMPOE Outlet at our disposal has made marketing and advertising as simple as a click of a button. Being able to customize marketing materials is a tool that all retailers should take advantage of immediately. As a furniture/mattress retailer, we can create our own marketing strategy that fits our customer base.” The ordering system allows each retailer to obtain the right number of marketing materials in the appropriate sizes for their store layout and available display space.


What does TEMPOE do to support retailers online or in their current technology platforms?

Ecommerce is a big play for many of our current customers, as well as for many of our prospects. It’s important that TEMPOE be able to drive more consumer transactions in both the brick-and-mortar environment and on ecommerce sites. Our ready-made system integration platform, inTEMPOE, enables eTailers to list TEMPOE as a tender type at checkout. Imagine how easy it is for a consumer to select TEMPOE, instead of paying with a credit card or PayPal, with just the click of a button!

inTEMPOE is a flexible platform that also integrates with point-of-sale (POS) applications and in-store kiosks. What this means is that TEMPOE makes it easy for retailers to process consumer transactions without extensive systems development, violating customer privacy standards or having to prioritize the integration of one system over another. Scott Pratt, CIO of TEMPOE, described this platform as “groundbreaking.” From what we have seen from our customers who have experienced inTEMPOE thus far, Scott’s assessment is right on target.


You mentioned earlier that TEMPOE represents more than a logo – that it is about new offerings. Can you elaborate on what that means?

Of course! In addition to the TEMPOE Outlet, which provides retailers with customizable marketing materials, TEMPOE remarkets on behalf of our retail partners to drive repeat business to their stores. Beyond the new technology of inTEMPOE and responsive web builds, TEMPOE will also be adding live chat functionality to both the retailer and consumer portals this fall. TEMPOE’s no credit required shopping is more flexible than competitor programs because we offer early purchase options, a choice in payment plans and we now allow concurrent agreements with unused approval amounts. One of the greatest enhancements to retailer servicing is our PayPULSE automated funding program, which delivers hassle-free, reliable funding to retailers after each consumer transaction. We’ve also launched PACE Rewards, a new retailer reward and incentive program that puts money in the retailer’s pocket for every confirmed TEMPOE agreement they generate.

I am really proud of the business for ensuring that TEMPOE represents such a broad range of improvements and new offerings.


How does TEMPOE measure business success?

Our financial performance is measured primarily on EBITDA, but our total performance is really measured in customer satisfaction. We have proven that profitability follows engagement — meaning that it is our responsibility to deliver programs that drive the success of our retailers, so they will drive associates to offer the program and increase sales. As we continue our focus on innovation, we will see more ecommerce activity, so online metrics will be a key success measure, as well. We’re excited to report we’re exceeding our goals by a long shot and thereby forcing the business to re-evaluate what success looks like in the future.


How To Discuss Financing Options

The difference between making – and losing – the sale often comes down to payment options. Here’s how your team can guide customers to know and understand how they can take their purchase home now, despite any credit concerns they may have.


Present alternate payment as an advantage

Alternate payment is a sales tool and offers consumers a reason to buy in your store and put retail within their reach. Your sales team should start the payment discussion early, and present it as something that differentiates you as a retailer. This is also an opportunity to present payment options in a way that puts the customer at ease. Your store’s variety of payment options is a reason to buy from you versus your competitors.


Integrate payment into the sales discussion

How the consumer will pay for their purchase often makes the difference between making the sale or your customer leaving. Questions and answers about your store’s options should be woven into the discussion early, since knowing these options may open up more choices for the shopper.


Advocate for the customer

Assure the customer you are on their side when it comes to the application process. Be ready to answer questions and assure them it is quick and easy. Helping a customer chose the best form of payment for them is part of great customer service!

Introducing inTEMPOE

TEMPOE’s newest offering, inTEMPOE, helps to drive repeat business for its retailers. inTEMPOE is a comprehensive, single-source technology that enables full integration with a retailer’s ecommerce site, in-store point-of-sale application, mobile, or any kiosk. The ready-to-use platform allows full integration of TEMPOE technology and offers retailers of all sizes a straightforward way to frame the payment conversation with consumers without invasive infrastructure changes, costly staff time or delayed speed-to-market.

Read more about inTEMPOE here.

TEMPOE at BrandSource Convention and Expo

Simply put, TEMPOE’s mission is to put retail within reach. Because of this we feel that it is important for all retailers to offer no credit required shopping, regardless of the solution they choose. This morning we kicked off the 2015 BrandSource Expo and Convention by partnering with Progressive Finance to talk with retailers about how they can gain market share by offering no credit required shopping for their customers.


This was just the beginning of an exciting few days in Las Vegas at the BrandSource Convention for us. If you will be in attendance, come by and see us in booth 1331 in the Forum Ballroom!


brandsource booth  TEMPOE at BrandSource Convention and Expo brandsource booth

2015 Show Schedule

The TEMPOE team is going to be all over the US this show season. We just wrapped up The MEGA Group Show, but we are just getting started. Below is our schedule for the upcoming show season:


August 20-23 – Tupelo Furniture Fall Market in Tupelo, MS


August 23-36 – BrandSource 2015 Convention & Expo in Las Vegas, NV


August 30 & 31 – Central Florida Furniture & Accessory Market in Orlando, FL


September 2 & 3 – Midwest Furniture Show in Chicago, IL


September 16-18 – FT Future Leadership Conference in New Orleans, LA


If you will be in attendance at these shows, come see us!

We love TEMPOE!

At TEMPOE, we pride ourselves on the passion our employees have for their jobs. We strive to be an emblem of trust for retailers and their customers by putting retail within reach. Although that may begin to be repetitive, it encompasses everything TEMPOE as well as why we do what we do every day.

Simply put, we love coming to work – read below to find out more about why one of our Strategic Account Managers, Alex Pascoal, loves his job.


“I love my job as a Strategic Account Manager at TEMPOE. I really love that I get to help people achieve their goals. What I’m most passionate about is being able to say yes when others say no. When a customer is denied merchandise they need because of their financial situation, it’s an amazing feeling to say, “Yes, we would love to work with you.” When the owner of a retail store asks if we do something that no other company does, it’s a lot of fun hearing their reaction when we tell them, “Yes, we can do that.”

Not only is my job fun, but it is extremely gratifying. I once had a store who wasn’t signed up with us yet. The owner of the store called because he had a single mother who needed a bed set for her boys, and the other finance programs available in the store didn’t approve her. I won’t sugar coat it; she was in a tough place financially and couldn’t afford to pay cash for the beds. Since the store wasn’t enrolled with us yet, the customer couldn’t purchase the beds that day. I felt horrible, and I wanted to help this woman and her children. I told the store owner that if we moved fast enough, we could get her the beds she needed in about 48 hours…and we did! I personally called the customer and invited her back to pick up her bed set. She went, applied, was approved, and was even able to get a nicer bed set than the one she was originally looking at, due to how small our first payment is. The customer has since obtained full ownership of those products and has now worked with us on several other occasions. The store has since expanded and gone on to help countless other customers who were in her position—between a rock and a hard place, with no one willing to give her a hand. There’s no greater feeling than being the hand that reaches out to help people get what they need, when they need it.”

– Alex Pascoal, Strategic Account Manager at TEMPOE

Alex  We love TEMPOE! Alex

TEMPOE Supports The Angelman Syndrome Foundation

This past May, the TEMPOE team participated in the Angelman Syndrome Foundation Walk in Boston, Chicago and Cincinnati. TEMPOE participated through corporate sponsorship, individual team donations and walk participants. Angelman Syndrome is a genetic disorder that affects the nervous system and has a wide range of symptoms, from developmental delays to epilepsy. We chose ASF because of two of our employees’ personal connection to Angelaman Syndrome.

Manchester employee Collette Cusson’s son, Michael, was diagnosed with Angelman Syndrome in October 2013. Now a handsome twenty-one year old, Michael is a sweet, good natured boy whose laughter is so contagious you can’t help but laugh along with him. While he cannot walk or talk, he is a powerhouse with his phenomenal strength. “I look at him as a blessing every day, but hope and pray that one day we can find a cure so that no one else has to go through life the way he does,” Collette says.

michael  TEMPOE Supports The Angelman Syndrome Foundation michael

Cincinnati employee Shawn Field’s daughter, Megan, was diagnosed with Angelman Syndrome before her first birthday. Now seventeen, “she is truly the light of our life with her beautiful smile, contagious laugh and love of people and life,” Shawn says. She isn’t able to able to communicate using words, but words aren’t necessary as she makes everyone feel like they are the most important person in the world. Shawn would like to thank TEMPOE, specifically President Orlando Zayas and Chief Marketing Officer Amanda Costanzi, on behalf of his family for “supporting this cause and bringing awareness to Michael and Megan’s stores. I’m very blessed to work for such an amazing company.”

megan  TEMPOE Supports The Angelman Syndrome Foundation megan

Being able to support Michael, Megan and their families was a large motivator for us when choosing a cause to support. ASF is one of four charities we proudly support as a company. The TEMPOE movement is all about our mission, which is to be an emblem of trust. We try to embody this in the community through our philanthropic efforts and care and support for our TEMPOE family.

Below are a few photos of our teams in Boston, Chicago and Cincinnati on the day of the walk. TEMPOE team members said it was a beautiful day with much praise for how The Angelman Foundation executed it. All enjoyed the walk and the opportunity to support fellow TEMPOE team members. We are already looking forward to participating again next year!


Our Manchester, NH team at the Boston walk:

Our Manchester, NH team at the Boston walk   TEMPOE Supports The Angelman Syndrome Foundation IMG 9890

Our Cincinnati, OH team at the Cincinnati walk:

TEMPOE Supports The Angelman Syndrome Foundation IMG 0108

Our CMO, Amanda Costanzi and her family at the Chicago, IL walk:

IMG_6423  TEMPOE Supports The Angelman Syndrome Foundation IMG 6423

TEMPOE Introduces New Name and New Product for No Credit Required Shopping


News Release

For Immediate Release


Contact: Terry Casazza


Phone 603-637-2987


TEMPOE Introduces New Name and New Product

for No Credit Required Shopping
(MANCHESTER, N.H.—June 22, 2015) Today marks the launch of TEMPOE, a leader in no credit required shopping with several payment options. Formerly known as WhyNotLeaseIt, the company changed its name and rebranded to TEMPOE to better reflect its total business model and expanded offerings for retailers and consumers. The new brand is representative of its plans to expand and deliver more than a single product to the industry – the former name was limiting.

“The name TEMPOE speaks to the rhythm of both a retailer’s drive for repeat business and a consumer’s shopping cadence,” said TEMPOE President Orlando Zayas. “We’ve made significant enhancements to our no credit required program, and we will continue to announce innovative new products.”

Changes TEMPOE have made to their program include delivering mobile friendly and responsive applications, offering customizable marketing materials, and automating additional retailer support tools. Additionally, the groundbreaking technology TEMPOE delivers in its inTEMPOE product helps to drive repeat business for its retailers. inTEMPOE is a comprehensive, single source technology for speedy integration with retailer support systems, including ecommerce, point-of-sale (POS) systems, mobile or kiosks. The ready-to-use platform allows full integration of TEMPOE technology and retailer systems without invasive infrastructure changes, abundant and costly human resources or delayed speed-to-market.

“Because inTEMPOE works with the systems that the stores already embrace, they can choose the right integration solution for their businesses. When our customers grow their businesses, inTEMPOE will ensure that we are in lock-step,” said Zayas. “And, when no credit required shopping experiences are positive for consumers, they are tied to the ease of executing transactions for retail associates,” Zayas concluded.





TEMPOE, formerly WhyNotLeaseIt, is the leading provider of no credit required shopping. TEMPOE provides several flexible payment options with the opportunity of quick and economical ownership for consumers. TEMPOE was founded in 2009 in Manchester, New Hampshire, where it is currently based and serves the furniture, home electronics, appliance, jewelry, and automotive industries. For more info, visit TEMPOE.com.