Category: Opportunities


Quick Cash Fix: We’re Buying Subprime Loans, and You Won’t Believe the Offer!

We are buying subprime loan portfolios

Exciting Opportunity for Investors! We’re Expanding Our Portfolio

Are you holding onto subprime loan portfolios and considering your next move?

We have exciting news for you!

Our team is actively looking to acquire subprime loan portfolios.

This is a fantastic opportunity for you to unload unwanted assets and capitalize on your investments.

Why Sell to Us?

-Competitive Offers: We provide fair pricing, tailored to the current market conditions.

– Smooth Transactions: Our experienced team ensures a straightforward and efficient process.

– Financial Flexibility: Free up capital and explore new investment opportunities.

Interested in learning more?

Contact us today to discuss how we can work together to achieve a win-win solution.

Don’t miss out on this chance to turn your portfolios into potential!

Reach out directly at We’re looking forward to connecting with you!


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Entrepreneurs: Little-Known, Insider Benefits of Starting a Consumer Loan Business

how to start a consumer loan business

There are several types of consumer loan products available for subprime borrowers, who typically have lower credit scores and may struggle to secure loans from traditional banks and financial institutions. Some of the most common types of consumer loan products for the subprime market include:

  1. Payday Loans: Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. These loans are often used for emergency expenses and are available without a credit check.

  2. Car Title Loans: Car title loans are loans that use the borrower’s car as collateral. The lender holds onto the car’s title until the loan is paid in full. These loans typically have high interest rates and are designed for borrowers who need quick cash and have a car they can use as collateral.

  3. Installment Loans: Installment loans are loans that are repaid over a set period of time in fixed, regular payments. These loans are typically used for larger purchases, such as home repairs or medical bills, and are available with either secured or unsecured terms.

  4. Line-of-Credit Loans: Line-of-credit loans are loans that allow borrowers to access a set amount of money, up to a certain limit, whenever they need it. The borrower only pays interest on the amount they borrow, and the loan is typically repaid over time with interest.

  5. Rent-to-Own Loans: Rent-to-own loans are loans that allow borrowers to rent a product, such as furniture or electronics, for a set period of time, with the option to purchase the product at the end of the rental period. These loans are typically available to subprime borrowers who may not be able to secure other forms of credit.

Millions of consumers living paycheck to paycheck!

According to a recent survey, about 44% of U.S. households do not have $500 in savings to cover an unexpected expense or financial emergency.

This means that nearly half of American households are living paycheck to paycheck and are vulnerable to financial instability when a sudden unexpected expense occurs.

The lack of savings can make it difficult for households to cover emergencies like car repairs, medical bills, or job loss, leading many to turn to high-interest loans or credit card debt to make ends meet.

Starting a consumer loan business can be a lucrative opportunity for entrepreneurs, as it provides several benefits:

  1. High demand: There is a high demand for consumer loans, as people are often in need of short-term or long-term financial support. This high demand can lead to a steady stream of business and revenue.

  2. Flexibility: Consumer loan businesses can offer a variety of loan products and services, giving entrepreneurs the flexibility to choose which types of loans to offer based on their target market and business strategy.

  3. Scalability: A consumer loan business can be easily scaled as demand grows, allowing entrepreneurs to expand their operations and increase their revenue.

  4. Potential for high returns: Consumer loans often come with high-interest rates, which can result in high returns for the business owner.

  5. Unique selling proposition: By offering a wide range of loan products and services and by differentiating themselves from other lenders in the market, consumer loan businesses can establish a unique selling proposition that appeals to their target market.

  6. Opportunity to help others: Consumer loan businesses have the opportunity to make a positive impact on people’s lives by providing financial support and assistance when they need it most.

Starting a consumer loan business does come with some challenges, such as regulatory compliance and managing risks, but with careful planning and execution, combined with a collaboration with the Trihouse Consulting Team, the benefits can far outweigh the challenges.

Entrepreneurs Investors


Insider Difference Between Payday Loans & Installment Loans

Think of a payday loan like borrowing a little bit of money from a friend to buy a toy and then giving the friend all the money back the next time you get paid.

An installment loan is like borrowing a bigger amount of money from a bank to buy a bicycle and then paying the bank back a little bit each month until you’ve paid it all back.

A payday loan and an installment loan are both types of loans, but they differ from each other.

A payday loan is a short-term loan that you are supposed to pay back with your next paycheck. This means that you borrow a small amount of money and have to pay it back very quickly, usually within a few weeks.

On the other hand, an installment loan is a loan that you pay back in smaller pieces, or installments, over a longer period.

This means you can borrow more money and don’t have to pay it back all at once as you do with a payday loan. Instead, you make regular payments until the loan is paid off.

An installment loan and a payday loan both have their own benefits and drawbacks.

Benefits of an installment loan:

  • Borrow larger amounts of money: With an installment loan, you can borrow more money than with a payday loan.
  • Longer repayment period: An installment loan gives you more time to pay back the money you borrowed, usually several months to a few years. This makes the payments more manageable and less stressful.
  • Lower interest rates: Interest rates for installment loans are generally lower than for payday loans. This means you will end up paying less in the long run.
  • Better for credit score: Making regular, on-time payments on an installment loan can help improve your credit score.

Benefits of a payday loan:

  • Quick and easy: Payday loans are often quick and easy to get, making them a convenient option when you need money fast.
  • No credit check: Some payday lenders don’t check your credit score, which can be helpful if you have a low credit score.
  • No collateral: You don’t have to put up any collateral, like your car or house, to get a payday loan.

It’s important to consider your personal financial situation and the terms of the loan before choosing between a payday loan or an installment loan. In general, an installment loan may be a better choice if you need to borrow a larger amount of money and want more time to pay it back. However, if you need money quickly and have a stable source of income to repay the loan, a payday loan might be a good option.

For Entrepreneurs:

Would you like to learn more about the benefits of entering the consumer loan industry? As a lender? An investor? 


Profits: 2023 Demand for Car Title, Installment & PDLs

How to start a car title loan business
A new CFPB study revealed, "Between our 2021 and 2022 surveys, use of payday loans, installment loans, and car title loans increased dramatically nationwide! Demand for car title loans, in particular, rose nearly 3%."

The financial stability of Black and Hispanic consumers, renters, and under-40s suffered dramatically between 2021 and 2022, said the CFPB. 

The anticipated recession and higher unemployment in 2023 do not bode well for this demographic! 

“Despite a tight labor market, pandemic-era relief programs, including expanded unemployment benefits and stimulus checks, and lower consumer spending, financial well-being has returned to where it was in 2019,” the CFPB report revealed.

Unemployment remains low in December 2022, but many consumers are not prepared financially for unemployment, despite building large cash buffers and paying down debts during the first years of the pandemic. If they lost their main source of income, 37 percent of households could not cover expenses for longer than one month by using all sources, including savings, selling assets, borrowing, or seeking help from friends or family; 51 percent of Black and Hispanic households could not cover their expenses for longer than a month.

During a downturn, unemployment often lasts more than one month, and unemployment benefits can take several weeks or more to be deposited, leaving many households financially vulnerable to an unemployment period.”

[As a result, we lenders are tightening up our underwriting considerably. This strategy is reflected in our “loan-to-value” [LTV] metrics, our “ability to repay” calculations, and multiple KPIs as discussed in our Manual focused on “Lending to the Masses.” Car title loans, installment loans, and payday loans.]

Advertiser of the Month

Credit card debt has increased since June 2021 after falling early during Covid for all income groups.

“Meanwhile, one in eight households experienced lost income from unemployment or reduced work hours. Even more common, 34 percent of households experienced a major unexpected expense from vehicle repair or replacement, 31 percent a significant unexpected medical expense, 30 percent a computer or mobile phone replacement or repair, and 27 percent major household repairs.”

Here’s a link to the complete Study: CFPB “Making Ends Meet.”


62.5 Million Households Need Access to $400 Cash Fast

Approximately 50% of U.S. households [PEW] cannot access $400 cash when faced with a sudden financial emergency! That’s 62,000,000 million households! 🙄 And this trend is getting worse!!


Stuff happens. The get-to-work car breaks down. You need to fill a prescription. Your bank dishonors your check to one of your utility companies. Your check bounces! You owe the bank $37. You owe your utility company for last month. They charge a late fee, a reconnection fee, and threaten to turn off your electricity, water, gas… Maybe you’re self-employed. You’re a small contractor. You got the job but you gotta make payroll 2X before the homeowner pays you. Unable to make payroll, your crew will revolt! Yada, yada, you need cash ASAP for any number of reasons. What to do?


Again, that’s the question roughly 62,5M U.S. households – and growing – face every year!


Solutions? Beg, borrow, steal from friends, family, strangers… Your credit card – if you even have one – is maxed. You’re too embarrassed to borrow from friends and family again. Plus, they are in the same boat you are. Church? Maybe.


My readers likely can’t relate to any of the above situations. But, millions of good folks face these situations every year.


So, as an entrepreneur and an investor, how do you fit into this picture? How do you serve this 50%, help them solve their money challenges, help them keep their dignity, and earn a superior ROI on your inventory: MONEY!


That’s right. MONEY! Your inventory is CASH. Not flowers that die. Vegetables that rot. Not ice cream that’s messy and melts. Not greasy mechanic shops, a franchise you must pay up 8%/month to your Franchisor. There are zero better businesses to be in than lending money to the masses.


Here’s why. Next Post coming this week. Signup to be on the list:


I Need to Buy a Payday Loan LMS Company Today

To the point, I need to buy an LMS company. The IDEAL LMS candidate has an existing portfolio of storefronts offering payday, installment, line-of-credit… loans.

Our goal is to acquire the clients/Lenders of our target LMS provider. We will then easily enable these Lenders to convert their face-to-face/storefront transactions with their borrowers to online, digital acquisition, underwriting, funding, collecting…

To be clear, if you are an existing LMS with Lender/Clients, we want to acquire you! We are a State-of-the-Art Fintech LMS provider.

Email ASAP! We are in a hurry!!

Marseille, France.
Newport Beach, Calif.
WhatsApp: 702-208-6736

Payday Loan Consultant


Subprime Lending Opportunities: Lending to the Masses

Installment Loans - Start a consumer Loan Business
I’m overwhelmed with inbound opportunities!
  • Canadian First Nation collaborations: Want to seriously muddle the regulatory and compliance environment? Insulate your loan portfolio from plaintiff’s attorneys? Create one loan product capable of serving all USA states? Ask me how:
  • Capital available: Serious $$ are available for seasoned lenders. Consumer demand is picking up dramatically. You all know we are headed into Q3 & Q4, our primo demand season! Both State licensed and Tribal lenders are in need of additional capital to “put on the street.” Criteria? Seasoned portfolios with superior executive Teams having “skin in the game.”
  • Buy-Here-Pay-Here opportunity in Canada. 
  • Deal structure? All debt – all equity – blended… Open to all structures. Creativity is the name of this game! All debt typically earns 12% – 20%+ depending on the financial product, the Team, State vs Tribal model, equity kicker…
  • Exit strategy? This is always an important element in any deal. Get acquired? Simply build an “annuity” that spins off cash? IPO? Tribal purchase? Anticipated time frame?
  • SAAS Plays. We are looking for “picks & shovels” SAAS companies needing capital and solid industry insight accompanying the investment. Several platforms/entrepreneurs from Silicon Valley, Boston, Austin… are looking for investors to scale their platforms and integrate with Lenders and vendors already in consumer lending.
  • Title lending: Huge demand for Loans collateralized by cars, trucks, equipment, RV’s boats [Entrepreneur owns a marina for storage/Repos!] Don’t know how? We have experienced operators to teach you! Collateralized loans to the subprime are very profitable. And it’s NOT a collections business, unlike personal loans. Defaults are almost a non-event!
  • <36% APR Theme: it’s becoming the norm. More States are implementing. There are sophisticated, seasoned Teams offering >36% APR loans – particularly in the car title loan space – who have been scaling their portfolios while achieving 90% – 200%+ APRs LEGALLY. [Passed years of State audits.] They need additional capital to meet demand.
  • Consumer Demand: Government subsidies and State unemployment benefits expired. Credit card debt scaling. Student debt payments starting back up. Evictions are back in play. People are people. Our demographic is spending $$ and borrowing more. Pent-up demand!
  • Bad debt: There will soon be a tsunami of “bad paper” to “work.” Consumer credit is drying up. Credit card rates approaching 30%! Debt buyers are on the hunt. Check out IOUUmpire for a unique white-labeled AI-powered engine for your collection needs. No need for human involvement/call center to negotiate with your past-due borrowers!
  • If you need an OUTSTANDING accountant, bookkeeper, and/or tax savant 100% focused on “the business of lending to the masses,” I’m happy to introduce you. No strings… You might be surprised how much $$$ you can save your loan business by working with specialists in consumer lending. Tax minimization, PPP loan forgiveness, R & D tax credits, creating static pools & financials for operating your loan business more efficiently, raising money, financial projections…
  • Don’t sell your bad paper for $.04 on the dollar. Set up your white-labeled debt negotiation platform and go into business.
  • FYI: I’m receiving more calls and emails from creative entrepreneurs who are targeting their loan portfolios to niches within our consumer loan industry! Elective dental, car repair, plastic surgery, student debt, prescriptions, funding only federal employees, BNPL, collateralized loans of ALL kinds.
  • Illinois paper & data for sale as a result of the <36% APR cap… I cannot keep up with the opportunities coming across my surfboard; I MEAN DESK!
  • Crypto staking [collateral] loans, funding consumers via “lightning” – we just completed our first tranche of loans funded to Tennessee borrowers. No ACH! No fees! Peer-2-Peer lending… more on our results to follow.
  • Brick-n-mortars are closing all over the country. Actually, all over the world!
  • Again, I emphasize; IT’S ALL ABOUT THE PHONE TODAY! We have a white-labeled loan App ready for you to launch. Build your own brand!
  • If you’re unhappy with the fees you’re paying for IBV [Instant Bank Verification], reach out! I can guarantee you will save SERIOUS $$. A simple introduction…
  • IWV [Instant Wage Verification] is another tool you should consider adding to your underwriting. REAL-TIME wages earned! Know in real-time how many hours your borrower earned this a.m. working for one or more employers. USPS, Amazon, Uber, CVS, Walmart, Target, KYC…  70% coverage and growing weekly.
That’s it for now. Just know that “The Business of Lending to the Masses” is exploding!
Change is the order of the day. Banks are slowly eliminating NSF fees [Too much heat by the FEDs!], there are more and more white-labeled platforms, tools & 3rd party solutions being introduced weekly. M & A is scaling. 
Do you have an opportunity? Capital available? Need an introduction? Idea? Challenge? Looking for talent?

3-Ways we help Lenders

Since 1998, we’ve helped thousands of lenders launch and improve their consumer loan businesses. 


Join our 8,000+ readers for strategies, tactics, and news about the business of lending to the masses.


Looking for someone to cut through the BS and explain how to loan money to the masses, I got you! 


I’m the ultimate loan shark, but the legal and friendly kind! I’m a subprime lending pro, a master of small-dollar loans for the masses.


Video: Happy Days Ahead for The Business of Lending to the Masses & CFPB Issues New Subprime Study

By: Jer Ayles.

WATCH THE VIDEO! I guarantee you’ll feel a WHOLE LOT BETTER about lending to the subprime! [Link]

Happy Days Ahead for Subprime Lenders + Covid-19, government subsidies, increased unemployment benefits… have turned “the business of lending to the masses” upside down! 


What’s the future of subprime lending look like to me? OPPORTUNITY!

If you missed my macro discussion [Here’s the link to Youtube]  with Alexx & Ryan [Infinity Loan Management Systems], have a look. No doom & gloom. Just our thoughts on what’s in store for us, the opportunities ahead, and how to not only survive but PROSPER MIGHTILY in the “oldest profession;” MONEY LENDING.” {You’ll likely smile more than once, feel uplifted & optimistic at the conclusion. The 3 of us had a great time!]

Jer Ayles

If you missed our recent macro discussion [Here’s the link to Youtube]  with Alexx & Ryan [Infinity Loan Management Systems], have a look. No doom & gloom. Just our thoughts on what’s in store for us, the opportunities ahead, and how to not only survive but PROSPER MIGHTILY in the “oldest profession;” MONEY LENDING.” {You’ll likely smile more than once, feel uplifted & optimistic at the conclusion. The 3 of us had a great time!]

Meanwhile, let’s visit the doom & gloom CFPB Study recently released. “An overall improvement in financial status does not imply more general improvement in consumers’ lives, especially against the tragedy of so much illness and death. The combination of consumers’ spending choices, forbearance, and government transfers may have prevented more widespread financial difficulties, but consumers drastically reduced many activities to limit the spread of the virus. Financial status improved in part because consumers spent less, as they avoided going out to restaurants, taking vacations, or visiting family, among other limitations. To the extent that average financial status improved because consumers were unable or unwilling to spend money on things they enjoy, the improvement may have come at the cost of these lost opportunities. Get the full report here: maybe a little slow to load. Read on your desktop/laptop 🙁



Opportunities in the Business of Lending to the Masses

2024: State of the Consumer Loan Industry

Jer Ayles: Trihouse

By Jer Ayles: Trihouse Consulting. Payday loans, installment loans, title loans, line-of-credit loans…

We ALL know the business of lending to the masses is in tremendous turmoil. I’m not going to waste your time reviewing the “WHY’s.”

Instead, know this. There is a ton of offshore & domestic money on the hunt to enter our industry or scale their existing presence!

Know also, the smartphone Apps, tech platforms and Artificial Intelligence robotics [no human intervention/no call center headcount] brought to market daily enabling friction-less customer acquisition, underwriting, debt negotiation, servicing, funding, collections… entering our space is mind-blowing! 
Are you and your Team aware? 
In a nutshell, what do you have? Are you selling? Buying? Have $$ to invest? Looking for a path/Team/opportunity? Do you have stores for sale? Portfolios for sale? Are operations executives available for hire?
I have immediate needs! And I have 10,000+ readers with immediate needs!
Do you have an opportunity? 
Send me a short email to with a few details describing your situation, desire, needs, and opportunity.
I don’t need names! I don’t need detailed pitch decks! Just describe succinctly what you have/want/need… and your contact info.


If this Monthly Newsletter was forwarded to you, go here and sign up free:
Jer – “The Business of Lending to the Masses.”
702-208-6736 Cell Newport Beach, Calif. PDT

4-Ways I can Help You!

*Grab a copy of our “bible:” Learn More

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Now, Go Make Some Serious Money!

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