The Store

Everything I sell, teach, and give away, on one page. Pick the one that fixes your problem this week, click it, and get to work.

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Nearly three decades in the trenches. Pick how much of it you want.

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Ask Jer's Brain, the AI clone of Jer Ayles trained on decades of subprime lending experience

Ask Jer's Brain

My AI clone. Type your payday, title, or installment lending question and get an answer built on nearly 30 years of operating. 10 free questions a month. 3 a.m. works fine.

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Founding Member Pricing
Insiders Club: unlimited access to Ask Jer's Brain, the subprime lending AI advisor

Insiders Club: Unlimited Jer's Brain

Unlimited questions, every day, for less than one bad underwriting decision. For the operator who wants a second opinion on every policy, script, and vendor call before making it.

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Free 15-minute strategy call with Jer Ayles, no purchase required

Free 15-Minute Strategy Call

Bring one problem. Your state, your capital, your stores, your loan book. Fifteen minutes with me to find out what to do next and whether we should keep talking.

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Jer Ayles, subprime lending consultant, Trihouse Consulting

Hourly Consulting

Licensing, launch, underwriting, collections, lead buying, capital, a second store, a bad month. Book by the hour, bring your numbers, leave with decisions.

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Store Audit, coming soon: an outside operator reviews your store, scripts, underwriting, and P&L

Store Audit

An outside operator walks your store, your scripts, your underwriting, and your P&L, then tells you what is leaking money. Written findings. Fixes in priority order.

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Tribal lending partnerships and sovereign model consulting

Tribal Lending Partnerships

How the tribal model works, who the real counterparties are, what the economics look like, and the mistakes that end partnerships. For tribes and for the operators who want to work with them.

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EB-5 capital raise for consumer lenders: foreign investor capital funds the loan book

EB-5 Capital Raise

Foreign investor capital funds the loan book, your stores create the jobs. How the program fits a consumer lending business and whether yours qualifies.

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The Business of Lending newsletter, free, four issues a month, read by 5,000+ operators

The Newsletter

Four issues a month on what is working, what is breaking, and what the regulators are doing across payday, title, and installment lending. Subscribers get first look at every product on this page.

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Educational resource only. Not legal, tax, or regulatory advice. Results depend on your state, your capital, and your execution.