How to Start a Loan Business
Get the "Bible"

How to Start or Improve a Loan Business

Payday loans, car title loans, installement loans...

If you are serious about launching, fixing, or growing a payday, installment, or car title lending business, start here.

The Business of Lending is where operators come for practical answers, hard-won lessons, and the playbook behind Jer Ayles’ work in subprime lending.

No theory.

No fluff.

Just what matters, what breaks, and what makes money.

See What’s Inside the Bible
Apply for a free 15-minute "fit" call
Jer Ayles, founder of The Business of Lending

20+ Years

In subprime lending

100+ Launches
Influenced by Jer’s work

15 Locations
Built and later acquired

~40 States
Experience across the U.S.

Quoted In
WSJ, Bloomberg, NYT

Start with the playbook serious lenders use

Most people trying to enter this business waste months chasing scattered answers.

They bounce from lawyer to vendor to blog post to software demo, then wonder why the numbers do not work.

That is what the Bible is for.

All your questions answered.

What the Bible helps you do
  • avoid expensive beginner mistakes
  • understand the real moving parts
  • think sharper about structure and operations
  • move faster with better judgment
  • stop guessing
  • See what’s Inside our Bible
See what's inside our "Bible"

Who is this for:

Storefront Lenders

For new and existing owners and managers who need tighter branch execution, better KPIs, and stronger collections.

Online Lenders

For teams managing digital acquisition, underwriting discipline, portfolio quality, and scalable operations.

Car Title Lenders

For operators focused on title-backed products, branch performance, collateral workflows, and state opportunities.

Texas CAB Operators

For businesses evaluating, launching, or improving the Texas CAB and CSO lending model.

Trbal Lending Groups

For tribes and strategic partners exploring growth, structure, and execution in tribal lending.

Investors and Advisors

For people evaluating lending businesses, portfolios, operating models, and management teams.

What the Bible covers

The Bible is not a motivational product. It is an operating playbook.

Inside, you will find practical guidance on the things that actually matter.

  • how to launch a consumer lending business
  • payday, installment, and car title loan models
  • storefront versus online lending decisions
  • licensing and structure questions
  • underwriting basics
  • collections systems
  • LMS and vendor decisions
  • profitability and unit economics
  • KPIs and operations
  • Texas CAB considerations

Texas CAB, without the guesswork

Texas is one of the most important states in the business, and one of the easiest to misunderstand if you are entering from the outside.

If Texas is on your radar, do not wing it.

Jer and his Team’s Texas CAB materials are built for operators who want a cleaner view of the model, the moving parts, the economics, and the questions that matter before they spend real money.

Explore Texas CAB/CSO

Need a second set of eyes?

Not everybody needs full consulting on day one.

Some people need to know whether they are looking at the right model, the right state, the right vendor stack, or the right next move.

That is what the free 15-minute fit call is for.

Free 15-Minute "Fit" Call

Best for serious operators, founders, investors, and strategic partners who need help deciding the next move.

This is a short qualifying call, not a free consulting dump.

Apply for a Free "Fit" Call

Paid Consulting

Best for deeper strategy, launches, troubleshooting, vendor decisions, operating review, and hard questions that require real-time and thought.

State-by-state, tribal, bank licensing models…

Book Paid Consulting

Proof, not theory

Jer Ayles has spent more than 20 years in the trenches of subprime lending. His work has touched launches, vendor decisions, underwriting, collections, portfolio performance, Texas strategy, and operator-level growth problems across approximately 40 states.

Jer and hit Team have worked with operators and brands including:

4Finance * CashMax * Star of Texas * Brightside * Infinity LMS * Star of Texas 

Quoted or featured in:

Wall Street Journal • Bloomberg • New York Times * Washington Post

"Since Jer’s playbook, my Dallas storefront jumped from break-even to 28% profit in three quarters.”
Angela RamirezCEO
“Trihouse’s licensing roadmap let me launch an online installment-loan brand in 60 days flat.”
Marcus O’Neill,Founder
“Jer showed our family office exactly how to underwrite sub-$1 k advances; we deployed $12 M with confidence.”
Claire WhitmorePrincipal Investor
“His step-by-step tribal model saved my Nevada title-loan startup from months of legal headaches.”
Derrick FultonCo-Founder
“After one strategy session, our VC partners green-lit a seven-figure seed round. Jer’s numbers spoke for themselves.”
Priya ShahManaging Partner
“We cut default losses in half using the KPI dashboard Jer built for us.” Jonathan Kline, Operations Director
Jonathan KlineOperations Director
“Jer’s ACH and card-processing vendors reduced our funding cost by 23 basis points overnight.”
Melanie GravesCFO
“The Trihouse Consulting webinar on compliance gave my C-suite the confidence to open four more brick-and-mortar stores.”
Bryan DeSoto Compliance Officer
“Switching to Jer's recommended LMS let us scale to 8,000 monthly loans without adding headcount.”
Sandra KimChief Risk Officer
“Trihouse’s marketing hacks doubled our mobile-app conversions within a single billing cycle.”
Oliver GrantChief Marketing Officer
“Jer’s ‘phone-first’ collections script added $87 K in recovered principal this quarter alone.”
Felicia MonroePortfolio Manager
“His APR-stress calculator finally convinced my board that <36 % caps kill credit access.”
Harold JensenLender
“Thanks to Jerry, our fintech pivot from payday to LOC is now the most profitable unit in the portfolio.”
Tanya BarriosProduct Manager
“He negotiated better surety bonds and slashed our regulatory overhead by $40 K a year.”
Victor LamAttorney
“Trihouse transformed my side hustle into a multi-state lender with a $50 M receivables book.”
Nadine CarterVendor

Frequently Asked Questions:

Question: Who is the Bible for?
Answer: It is for serious people looking to start, improve, or evaluate a consumer lending business, especially in payday, installment, and car title lending.

Question: Is this site B2B only?
Answer: Yes. This homepage is built for operators, investors, lawyers, vendors, and strategic partners, not borrowers.

Question: What loan models does the Bible cover?
Answer: It covers payday loans, installment loans, car title loans, storefront lending, online lending, and related operating decisions.

Question: Does the Bible cover Texas CAB?
Answer: Yes. Texas CAB is important enough that it also has its own dedicated page and offer.

Question: Should I buy the Bible or book a call first?
Answer: Start with the Bible if you want the core playbook. Apply for the fit call if you need help deciding your next move.

Question: Is the 15-minute call really free?
Answer: Yes, but it is a short qualifying call for serious prospects. It is not meant to replace paid consulting.

Question: Do you offer paid consulting?
Answer: Yes. If your situation needs deeper strategy, review, or problem-solving, paid consulting is the right next step.

You do not need more random tabs open. You need a clearer path.

Start with the playbook that helps serious lenders avoid expensive mistakes, think sharper, and move faster.

Get the Bible
Apply for a Free 15-Minute Fit Call

Best for serious operators, founders, investors, and strategic partners who need help deciding the next move.

This is a short qualifying call, not a free consulting dump.

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