# No Credit History. Two Phones. One Growing Business.

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Mery Espinoza

> “If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”

## **About**

Mery Espinoza is 52, Venezuelan, and runs a cleaning products business called Smartlin with her family in Quito, Ecuador. She left Venezuela in 2019, a hard decision, leaving behind the life she'd built since birth, to start over somewhere new.

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## **The Challenge**

Starting a business in a new country meant starting from zero, including no credit history with local banks or cooperatives. When Mary needed to replace her phone, getting financing through traditional channels wasn't realistic.

## **A New Way to Pay**

PayJoy gave Mary a way in. She got her first phone  and quickly saw what it could do for the business: video, customer service, quotes, cost management, all from one device.

Later, as the business grew, Mary's daughters started running a chatbot that handles customer service and closes sales. That meant a second phone — more storage, more speed, more capability. PayJoy financed that upgrade too.

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## **Measuring the Growth**

Smartlin is still growing. Mary's goal is for the brand to reach homes around the world, carrying Venezuela's name with it.

> “If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”

Bought her first smartphone with PayJoy - Quito, Ecuador

## **Ready to Write Your Own Success Story?**

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## **Credit for Everything**

# Get your Phone Today

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