20+ YEARS IN THE TRENCHES OF CONSUMER LENDING
Operator. Consultant. Founder. Advocate for Smarter Lending.
Jer Ayles has helped launch, grow, and scale consumer loan businesses across the country. As the founder of Trihouse Consulting and Subprime Lending. He brings real-world experience and straight answers to an industry that rewards clarity and execution.
20+ Years
Hands-on experience in consumer lending
100+ Launches
Startups and lenders helped to market
~40 States
Market strategies and compliance support
150+ Locations
Licensed & operating businesses
Major Media
Quoted in leading business publications
Who Jer Is
Jer remains a lifelong operator who has built and sold companies, created jobs, and learned the hard lessons so you don’t have to.
He started Trihouse Consulting to help ambitious lenders and entrepreneurs cut through the noise, avoid costly mistakes, and build profitable, compliant lending businesses that stand the test of time.
* What Jer has Accomplished
Built & Exited Businesses
Founded and scaled lending companies and other ventures, then successfully exited.
Grew Profitable Lenders
Helped lenders increase volume, improve margins, and expand into new states via tribe, state & bank model.
Navigate Compliance
Guided companies through licensing, regulatory, and operational requirements.
Mentored Operators
Trained and coached owners and Teams on strategy, execution, and leadership.
Why Many Operators Start with the Bible
The Business of Lending (The Bible) is the most comprehensive guide for starting, running, and scaling a consumer loan business.
- Covers every loan type: payday, car title, installment, and lines-of-credit
- Licensing, compliance, software, funding, marketing, & more
- Real-world insights updated every quarter
- One resource that saves you months (or years) of costly trial and error
- Underwriting, collections, KPIs, and profit-driving strategies
- Texas CAB, tribal, storefront, and online lending insight
- Vendor, software, risk, and scaling guidance that actually works
When Consulting Makes Sense
If you’re launching a new lending business, facing roadblocks, or ready to scale your existing B2C money-lending business, consulting with Jer and the Team offers a faster path to results. We provide strategy, execution support, and hands-on guidance tailored to your goals.
Jer in Publications
- Banks Enable Payday Loan Industry
- Jer in Bloomberg: Payday Lenders Seek U.S. Oversight vs. States