lending $$$$ to the masses

how to start/improve
a consumer loan biz

Payday Loans

Installment loans

car title loans

160 million USA households live paycheck to paycheck

40% of USA households earning more than $100K annually live paycheck to paycheck


Embark on the Road to Financial Freedom: Discover the Untapped Potential of “Lending Money to the Masses!”

In an era where traditional financial pathways often lead to dead ends, a revolutionary opportunity awaits the bold and the visionary. Introducing the definitive guide to mastering the payday loan, car title loan, and installment B2C loan business—a venture where ambition meets unparalleled profit potential.

This isn’t just another eBook; it’s your gateway to a future defined by financial independence and success. Crafted by seasoned experts with over two decades of triumphs in the alternative lending realm, this guide is a treasure map leading you through the complexities of starting and scaling a lucrative consumer loan enterprise.

Why invest in this eBook? Because knowledge is the most powerful tool in your arsenal. Whether you’re a seasoned entrepreneur seeking new ventures or a newcomer ready to make your mark, this guide illuminates the path to success with precision and insight. You’ll uncover:

– The Legal Landscape: Navigate the regulatory environment with confidence, ensuring your business not only starts strong but thrives.
– Capital Mastery: Learn the art of securing initial funding, presenting irresistible business plans that open doors and minds.
– Market Wisdom: Identify your target demographic and carve out your niche in the heart of communities that need you most.
– Marketing Genius: Deploy innovative strategies that elevate your brand, ensuring your services are not just seen but sought after.
– Operational Excellence: Establish a seamless operational framework that guarantees efficiency, customer satisfaction, and repeat business.
– Risk Management: Master the strategies that safeguard your investments, turning potential pitfalls into stepping stones for growth.
– Profit Maximization: Discover the secrets to expanding your revenue streams, ensuring that your financial goals aren’t just met—they’re exceeded.

But this journey offers more than just financial gains. It’s about creating a legacy—a business that makes a difference in the lives of those it serves.

Are you ready to transform your entrepreneurial dream into reality? To step into a world where your financial future is not left to chance but is crafted by your own hands?

Act Now. Invest in the eBook that will change how you view opportunity and success. The car title loan industry is waiting for its next leader. Will it be you?

Unlock your potential. Your journey begins here.

How to start a payday loan business, an installment loan business, a car title loan business...

The Challenge?

You’re considering starting a consumer loan business.

You want to provide payday, car title, line-of-credit, and/or personal loans.

You don’t know where to start.

You’ve spent hours and hours “Googling” a multitude of search terms such as:

  1. Payday loan profits
  2. How to start a consumer loan company
  3. Opening a car title loan business
  4. How to start a payday loan internet business
  5. Business plan for a loan company
  6. How to start a payday loan company online
  7. How to start a payday loan company in Texas
  8. How to get payday loan companies to stop calling 🙂
  9. How to collaborate with a Sovereign Native American Indian tribe

🔓 Unlock Your Potential: As your Consultant in the subprime lending industry, you are not merely scheduling a consultancy session; you’re accessing THE gateway 🚪 to decades of unparalleled expertise in the subprime lending sector.

When you collaborate with us, you don’t just get an hour of dialogue 🕒— you gain immediate access to a rich arsenal of field-tested insights 🎯, proven strategies 📈, and invaluable experiences 🏆.

We’re not in the business of meeting goals; we’re here to obliterate them 💥. Quickly ⚡.

How to Loan Money to the Masses Profitably

The Bible

Our 500-page “bible.” How to Loan Money to the Masses!


Get some serious help! Ready for hire.

Jer Ayles-How to Start a Consumer Loan Business

Discovery Call

Are we a good fit? Free “Discovery Call.”

Texas CAB-CSO Consumer Loan Business

Texas Cab

CAB/CSO model yields higher transaction fees and margins than the bank model or the “Regulated Lender” Model.

How to Model a Consumer Loan Business

Pro Forma

Play” with inputs, lead costs, default rates, loan conversion rates, loans funded, loan principal/fees/terms, rollovers, employee costs…

Schedule a call with a consultant. Start a consumer installment loan business.

Clarity Call

20+ years as a Founder, Advisor, Mentor, and Investor – the quintessential start-up guerrilla. Ideation, concept, validation, launching, funding…

The BEST method to learn more about “The Business of Lending to the Masses” is to invest $150.00 in our “Course” – referred to by our industry fans as “the bible.”


“How to Start or Improve a Consumer Loan Business!” $150.00

Who we serve

Quick story!

In 1998, I was looking for my next gig.

I was currently the Co-Founder of a 3-location “Ugly Duckling Car Rental” and U-Haul Truck franchise company.

I was bored.

I noticed the Internet was starting to gain traction.

I began to “play around.”

I signed up for every web design and Internet-focused class at Saddleback College.

One day between classes, I saw a small ad in the Orange County Register; yep, we still had newspapers!

This ad read, “Learn the Payday Loan Business. Free intro class this Wednesday at Harbor Pawn Shop.”

In short, I attended the free class, listened to the pitch, wrote a check for $600 to the teacher, and spent the next two days learning about this new “thing” called a “payday loan.”

Within a week, I applied for my license, added a “payday loan” counter in my Mission Viejo car and truck franchise location, and began loaning $255 for 14 days and $300. 600% APRs!

I sucked! I made every mistake in the book!

My biggest problem? There were four.

Demand for my payday loan product was HUGE.

I put up a “Mickey Mouse” banner outside the office. “Borrow $300 Until Payday.” Lines out the door immediately.

There was a sex call center in my building. They employed 40 ladies who were paid by the minute to talk sexy on the phone. 

These were often three generations: mom, daughter, and grandma.

I did zero underwriting! 

“You gotta pay stub? You qualify.”

Stupid me!

In those days, there were zero tech tools for verifying employment, SS#, or address…

Everything was done manually!

I fell for every sob story imaginable when it came time to pay me back.

I sucked at getting my money back!

I didn’t have a “shark” personality. Life had been too easy for me.

What changed? EVERYTHING!

I hired a “grandma” who worked in the sex call center. Man, was she good?

She began qualifying our payday loan customers when they walked into our location.

She got our money! She was “nice” but relentless. She was literally “the squeaky wheel.”

I rewarded her with a “piece of the action.” [No equity!]

We hit our metrics, and she got a NICE bonus monthly. I devised a simple system, and she worked it!

Loan management software came on the scene. eCheckTrac was my first software investment.

Underwriting services like TeleTrack, Factor Trust, Decision Logic, Microbilt, and DataX… began offering ID verification services.

The INTERNET! Smartphones, SEO, SEM, email SCALED!!!!!

Consumer demand continued unabated. Still does…

Eventually, my Team and the “money” built 15 storefronts in 4 states.

In the early 2000s, I sold my equity in the stores, launched several online portfolios at the request of several “friends,” began consulting, wrote a “bible” about “How to Loan Money to the Masses Profitably,”  and never looked back!

The money is good!

We have our detractors. But I’ve been on the firing lines behind that counter.

I could tell you thousands of stories in which our loan products have saved people’s butts!


How to start a payday loan business, an installment loan business, a car title loan business...
How to start a payday loan business, an installment loan business, a car title loan business...

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Again, if you’re done with “Googling” search terms such as:

How to start a payday loan business
How to start a car title loan business,
How to start a consumer loan business online or via a brick-n-mortar storefront location,
How profitable is a consumer loan business,
What licenses – if any – do I need
Consumer loan contracts, what loan management software should I use,
What do I do if my borrower fails to pay me back as promised,
How do I get the funds to my borrower,
How do they pay me back when they live/work in another State,
How do I get borrowers,
Who should build my website
What about lending to customers via their smartphone
And on and on and on… wasting hour upon hour of your precious time!

Again - imagine!

160 million USA households live paycheck to paycheck

40% of USA households earning more than $100K annually live paycheck to paycheck

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