The Bible

How to Loan Money to the Masses without Getting Your Butt Handed to You

A practical playbook for starting, fixing, or growing a payday, installment, or car title lending business.

Most people entering this business waste time, money, and momentum chasing scattered answers.

They bounce from lawyer to vendor to software demo to random blog post, then wonder why the economics feel muddy and the path feels risky.

This is the shortcut.

The Bible pulls together the practical lessons, operator judgment, and real-world thinking behind Jer Ayles’ work in subprime lending so you can move faster with fewer expensive mistakes.

20+ Years

In subprime lending

100+ Launches

Influenced by Jer’s work

15+ Locations

Built and later acquired

Quoted In

WSJ, Bloomberg, NYT

~40 States

Experience across the U.S.

Updated Quarterly

Free updates for life.

Why this book exists

This business punishes guesswork.

Bad structure, weak vendors, sloppy underwriting, poor collections, and wrong assumptions can get expensive fast.

The Bible exists to help serious operators get a clearer grip on the business before they waste months learning the hard way.

It is not theory. It is not motivational fluff. It is a practical operating guide built from scar tissue.

Who should buy this

This is for people who want clarity, not entertainment.

New operators

You want a realistic path into the business without stepping on obvious landmines.

Existing lenders

You want to sharpen operations, underwriting, collections, KPIs, or vendor decisions.

Investors

You want to understand how the business really works before you deploy capital.

Lawyers and service providers

You want a better operator-level view of the market and its moving parts

Texas-focused entrepreneurs

You want better context before going deeper into CAB structure and execution.

Strategic partners

You want to speak the language of real lenders, not just theory and buzzwords.

What you get inside:

This is not a vague “business opportunity” product. It is an operator’s playbook.

What this helps you avoid

The point is not just learning more. The point is avoiding dumb mistakes that cost real money.

wasting time on scattered, incomplete advice
choosing the wrong state or structure too early
overpaying the wrong vendors
misunderstanding the economics
underestimating underwriting and collections risk
entering the business without a real operating framework

Why listen to me, Jer Ayles

Team Jer

20+ years in "the business of lending to the masses." Operator, lender, consultant... a virtual CONDUIT for the industry. Need help getting into the industry? Have questions? Looking for 3rd party vendors and suppliers? Reach out... Jer

I’m Jer Ayles

I’ve spent more than 20 years in the subprime lending industry.

My Team and I have built 15 lending locations that were eventually acquired, have worked across approximately 40 states, and have helped influence more than 100 launches through our writing, consulting, and paid advisory calls.

Our work has involved operators, lenders, vendors, and industry brands, including 4Finance, CashMax, Star of Texas, Brightside, and Infinity LMS, with additional work kept confidential under NDA.

Jer and his Team have also been quoted or featured in major outlets, including the Wall Street Journal, Bloomberg, and The New York Times.

What people say

Jers call was worth every penny!! The knowledge he possesses is priceless and he wants to know how he can help the second he answers the phone. I’m almost halfway through the “Bible” and if you haven’t bought it and subscribed to the blog then you’re only holding yourself back.

Jared Akerman Founder

Amazing industry insights! thanks!

Michael Ambros

Investor

I've worked with Jer on several projects. He's a nexus of knowledge and contacts within the Payday/sub-prime industry. It's a pleasure to have him on the team, and he brings his dedication to it every time.

miroslav posavec Investor

Not ready to buy yet?

That is fine.

If you are serious but still deciding whether this is the right next move, apply for a free 15-minute fit call.

This is a short qualifying call for serious operators, founders, investors, and strategic partners. It is not a free consulting dump.

If you need deeper help, paid consulting is available separately.

Need deeper help? Book paid consulting here.

Frequently asked questions

FAQ item 1

Question: Who is this book 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.

FAQ item 2

Question: Is this for borrowers?
Answer: No. This material is built for operators, investors, lawyers, vendors, and strategic partners, not consumers looking for a loan.

FAQ item 3

Question: Does it cover payday, installment, and car title lending?
Answer: Yes. It is designed to help people think through the business across those models and the operating decisions around them.

FAQ item 4

Question: Does it include Texas CAB guidance?
Answer: Yes. Texas is important enough that it also has a dedicated offer and page, but the Bible gives useful context and strategic framing here too.

FAQ item 5

Question: Should I buy this before booking a call?
Answer: In most cases, yes. The Bible gives you the core framework first. The fit call is there for people who need help deciding the next move.

FAQ item 6

Question: Is the fit call really free?
Answer: Yes, but it is short and meant to qualify serious prospects. It is not a substitute for paid consulting.

FAQ item 7

Question: Where do I buy it?
Answer: Use the buy button on this page to purchase through the official checkout link.

If you want a clearer path, start here.

You do not need more random tabs, more conflicting advice, or more expensive trial and error.

Start with the playbook. Then decide whether Texas CAB or a fit call is the right next move.