RMICC - Tell us about MIE Biz Solutions. What do you do?
MIE Business Solutions - MIE Business Solutions is a 100% Native woman-owned company that provides direct access to merchant products and services aimed at reducing overall costs and providing capital to Native American Tribes, Tribal Enterprises and businesses throughout North America.
RMICC - What is MIE’s Connection to Indian Country?
MIE Business Solutions is a family company; named after the daughters of Ben and Alvina Earnhart (Madison, Izzibella and Ellynor), the vision for MIE is to create opportunities in Indian Country, wherever possible. The foundation for this vision was formed on Alvina and Ben’s personal experiences.
While working as a federal Indian law attorney, Alvina Earnhart (Navajo) experienced first-hand the difficulties that Tribes and tribal enterprises face when working toward self-governance, self-sufficiency and economic success. Frustrated with companies that are driven by money and all too often take advantage of tribes, tribal enterprises and Indian-owned businesses, Alvina and Ben saw an opportunity to make a difference and to serve as an example of what businesses should do in Indian country. Their vision was to establish a company that could offer solutions on keeping money on the Reservation, establishing sustainable businesses that are aimed at becoming 100% tribally-owned and ultimately, helping every tribe, every tribal enterprise and every Indian-owned company save money. They also wanted to give back to the local communities of every Tribe they had business dealings with.
For the past 6 years, Alvina and Ben have been operating in Indian Country working to provide resources, solutions, products and services in a variety of different industries and verticals to Tribes, tribal enterprises and Indian-owned companies.
In 2013, Alvina and Ben were introduced to Xcel Companies, an organization that was driving down the cost of every day products and services used by every company. Xcel was doing this through a very unique model that cut out all the middle-men and leveraged economies of scale to afford better pricing.
Alvina and Ben immediately saw the potential value this could bring to Indian Country. They signed on as the exclusive Indian Country partner with Xcel and other industry partners. Since then, MIE Business Solutions has been testing out the Xcel model to make sure it works as promised and after 2 years of validating they have discovered that it works exactly as promised!
In September of 2015, Ben and Alvina decided it was time to take MIE Business Solutions to Indian Country.
“The program is catching like wildfire throughout Indian Country. We are excited to see our vision become a reality and feel so blessed to be able to provide a value like this to tribes, enterprises and other entities throughout the country.” (Alvina Earnhart)
MIE provides 10% of their gross income back to the local community of the Tribe, enterprise or business that they are providing the products/services to.
Alvina Earnhart, President
Mrs. Earnhart is an enrolled member of the Navajo Nation and President and Owner of MIE Business Solutions. Mrs. Earnhart is a licensed attorney and currently practices in the areas of federal Indian law; tribal government; tribal court and federal court litigation; administrative law; legislation and code drafting; energy and natural resource law; environmental law; commercial and business law; wills, trusts and estates; housing and taxation law. Mrs. Earnhart has considerable experience in tribal constitutional and tribal code revisions, tribal oil and gas development, including NEPA, permitting and regulatory compliance under federal environmental laws, including the Clean Air Act, Clean Water Act, Resource Conservation and Recovery Act and the Comprehensive Environmental Response, Compensation and Liability Act, and representing clients concerning internal tribal governmental disputes.
Mrs. Earnhart received her Juris Doctor from the University of Colorado and her Bachelor’s degree in Political Science and American History from the University of Denver. Mrs. Earnhart is licensed to practice in the state of New Mexico, Cheyenne and Arapaho Courts, Yankton Sioux Tribal Court and Ute Indian Tribal Court. Mrs. Earnhart is of the Red House People clan, born for the Folded Arms People clan. Her maternal grandfather is of the Meadow People clan and paternal grandfather is of the Black Streak Wood People clan. She was born and raised in the community of Coyote Canyon, New Mexico. She graduated from Tohatchi High School with honors. She is a Chief Manuelito Scholar and Navajo Nation Corporate Scholar.
As President, Mrs. Earnhart oversees the MIE projects to ensure strict compliance and quality control, retains the services of experts and other consultants as needed, and serves as Lead Counsel for MIE Business Solutions.
Benjamin Earnhart, CEO
Mr. Earnhart is the CEO for MIE Business Solutions. Mr. Earnhart is a licensed Insurance Broker and is also the owner of Tribal Shield Insurance. Mr. Earnhart has over 11 years of experience in the insurance industry, and over 15 years of experience in the areas of sales and business development.
Mr. Earnhart received his Bachelor’s degree in Psychology from the University of Northern Colorado, where he was inducted into the Honors’ Study Program, worked as a coordinator for the Disability Access Center and volunteered with Big Brothers of America. He obtained advanced training through the National Alliance and Regis University. Mr. Earnhart is also the Director of Tribal Relations for the Xcel Companies.
As CEO, Mr. Earnhart oversees the development of MIE’s programs, partner management and is responsible for overseeing operations.
Eric Benavidez, Business Development Director
Mr. Benavidez is a registered member of the Santo Domingo Pueblo in New Mexico. Over the past 6 years Mr. Benavidez has been a Senior Director for Legal Shield. Mr. Benavidez serves a wide array of tribal clients. Mr. Benavidez has served as Chairman for the Santo Domingo Pueblo Head Start Policy Council and has over 10 years’ experience in Business Development/Management both in Direct Sales and his previous career as an Architectural/Engineering Draftsman. Mr. Benavidez believes in giving back to the communities in which he does business with.
Mr. Benavidez oversees the development of new business opportunities for MIE.
RMICC - How does MIE help clients conduct business?
We are a large purchasing organization that with our partners have created platforms with extremely large vendor networks in a variety of industries which utilize a global bidding platform to drive down the overall cost of products and services by leveraging volume based-benchmarked discounts (economies of scale). We do not charge any access fees and we are vendor neutral. This model provides our clients with the best service, pricing and terms available on the market via direct access to contracts with the largest and best vendors in the following areas:
- payment processing and merchant services
- printing uniforms and branded promotional items
- purchasing cards, accounts payable systems and e-purchasing programs
- mailing and shipping
- waste and recycling
- business working capital/term loan and lines of credit financing solutions with next day funding and a quick and easy qualification process
MIE Business Solutions is not a 3rd party vendor or reseller; we are quite the opposite. MIE is the anti-retail model. MIE operates as our client's solution for operational insight, increased efficiency and cost reduction. MIE serves as a conduit for our clients, providing direct access to a network of more than 18,000 vendors in a variety of industries that encompass the majority of any entity's annual operational costs. MIE connects our clients with the most knowledgeable experts and industry leading vendors that provide better service, products, terms and pricing at an average savings equal 30% to 40% and all without any obligation, commitment or cost.
Our system works by:
1) Cutting out the middle-men and providing our clients with direct access to contract with the end provider. By cutting out the inflated front end charges associated with having to pay for all those extra layers within the traditional "resale" model, we provide our clients with better service, increased efficiency and better pricing.
2) Being vendor neutral to align our clients with companies that are going to provide them with the best service or product at the best price available. Then, we have those vendors work to earn your business by having them go head to head with their competitors. We do not play favorites!
3) Leveraging economies of scale. We drive so much volume to the vendors within our network that they give our clients the best pricing available that they cannot get anywhere else.
4) Making our vendors play by our rules and put our clients first. We make certain that all of our vendors provide our clients with the best possible pricing, service, terms and contracts available. If they do not agree to our terms, we remove them from our network.
RMICC - What are the advantages of using MIE services?
We help entities Streamline Operations,Increase Efficiency and Increase Transparency while providing; A Better Experience, Better Service and Better Pricing. SAVE $ without compromising supplier quality or service
What sets us apart?
No cost to our members for accessing our cost reduction services.
No long term contracts. – Aren’t you tired of those lengthy 2 to 5 year contracts? So are we!
We believe companies should have to earn your business every month. However, if you like having those longer contracts, we can accommodate.
Payment processing equipment is free.
We can help get you out of your current service contract Including paying any early termination fees
There is no obligation ever.
No termination fees
Exclusive programs for associations and tribes.
Providing a sustainable source of revenue from every payment that’s processed by any of your entities
RMICC - Are there new products or cutting edge technology on the horizon to help businesses?
In addition to MIE's robust expense-reduction solutions, it's also important to mention that we offer short and long-term loans and lines of credit for businesses.
Example use of funds:
- Updating or refreshing locations
- Inventory deals with a quick turnaround
- Marketing campaigns
- Seasonal hiring or inventory
- Expansion or new locations
- Large-scale inventory purchases
- Equipment purchases
- New product development
- Manage accounts receivable gaps
- Take advantage of new opportunities
- Manage unexpected expenses
Below is a simple overview for your records and review.
SHORT and LONG-TERM LOANS
- Terms as short as 3 months to as long as 36 months
- Loans ranging from as little as $5,000 to as much as $500,000
- Interest rates ranging from as low as 5.99% to as high as 30% depending upon the intricacies of each situation
- At least $100,000 in annual revenue
- At least one (1) year in business
- Owner FICO / credit score of at least 500
LINES OF CREDIT
- Lines of credit ranging from as little as $5,000 to as much as $100,000
- Rates range from 13.99% to 36% depending upon the intricacies of each situation
- Your line amount and rate will be based on our assessment of your business along with your business and personal credit
- At least $200,000 in annual revenue
- At least one (1) year in business
- Owner FICO / credit score of at least 600
RMICC - What do you advise Small to Med Businesses when shopping for
Call us to see the kind of value we can drive to you.
RMICC - What is your advice for large scale businesses and corporations?
Remember the importance of cost reduction and that beneficial ideas can and do come from anywhere (be open to them).
RMICC - How can you help tribes directly?
We help tribes streamline their operations, reduce their operating costs, centralize their workflow, get connected with the biggest and best entities in a variety of industries and through our tribal program we can provide any tribe with an alternative revenue stream. We also give back a minimum of 10% of our gross revenue back to the tribal communities in which we do business.
RMICC - How can you help Financial Institutions and Payroll Processing companies?
MIE Business Solutions has a network of companies that provide comprehensive solutions for financial institutions to increase their products, services and value to their clients as well as increase their own internal revenue. Our Financial Institution Program allows you to provide your clients with the best-available pricing, terms and solutions for all their payment processing needs. MIE and our partners provide seamless back-end integration to connect a merchant’s in-house software with point-of-sale capabilities.
- Award winning ‘live’ reporting
- Support and uptime
- Solutions that fully support Apple Pay and Google Wallet
- EMV-ready equipment
- Debit and/or Credit Card solution development
- 24/7 Customer Support
- PCI Compliance
We provide access to these services for financial institutions (like Native CDFI’s, banks, online
lending entities and credit unions) that utilize the services internally and in turn provide these
options to their clients.
Offer your clients a better and more competitive solution for their processing needs:
- Installment Payments/Recurring Billing
- Check Verification and Cashing
- Card Present
- Mail Order
- Telephone Order
- Gift/Loyalty Cards
- Online Payments/Mobile Payments
(Helping you to compete directly with the industry’s largest players.)
What’s the rate?
TRUE interchange is the raw cost of processing the direct rate for Visa and MasterCard. There
is no way around it…or the 400+ different rates that come with it. Interchange is the same for
everyone. Competing companies mark it up in nominally different ways, but what differentiates
one from the next?
Rate is nothing. We will meet/beat anyone’s pricing. Easy. Interchange is interchange. Good pricing is what the sellers view as their needed spread. What matters most is what service and innovation you get for that spread - Our partners give you more for your spread than anyone.
Clients for this program include several small to large size financial institutions and associations
throughout the country including Guaranty Bank and Trust and Startup America.
We offer the most profitable top-line, lifetime revenue sharing arrangement available.
These funds can of course be offered in the form of a donation if needed.
MIE and our partners provide the marketing, products, systems and support
Your Financial Institution provides the referrals (it’s that easy!)
Our referral program is fully automated with online postings showing lead status, merchant
processing statistics and commission reporting.
Creating a true benefit to your financial institution by providing your clients with the industry’s best solution(s).