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A conversation with a doctor who specializes in Lasik surgery revealed a few eye openers for Carma Peters, executive vice president of marketing at Affinity Group Credit Union.

Peters was in the middle of a quest to find a low-cost lending alternative that would allow small business owners to offer financing on their products and services to members at cheaper rates. The doctor told her the financing rates available to his clients are high because he gets slammed by a large amount of transaction fees to offer services like Lasik eye surgery. The wheels began to turn for Peters.

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