2025-What Top Subprime Lenders Track Daily (That Amateurs Don’t Even Know Exists)
People love to ask me, ‘If you’ve got the whole subprime lending game wired, why are you out here posting, teaching, consulting?’ Let me break it down: I’ve built loan shops that crank six figures a month. I’ve scaled online portfolios that spit cash while I’m in Europe for the summer. I’ve got skin in […]
Discover the Platform That Separates the Winners from the Whiners in Subprime Lending
Learn More 1. Can your applicant really bring in $3,000 a month? Or are they bluffing?→ Now you can see the truth — in real time — with a platform that gives you a crystal-clear view of your borrower’s actual bank account activity. No guesswork. No surprises. 2. Inflow. Outflow. No BS.→ Track every dollar […]
If You Don’t Know These 7 Numbers, You’re Not Running a Loan Business! You’re Just Hoping It Works.
Hope isn’t a strategy. And in subprime lending, it’s expensive. The most profitable lenders in America don’t guess, they track. Relentlessly. These 7 KPIs are the difference between a loan portfolio that prints cash… and one that quietly bleeds you dry. Ignore them, and you’ll learn the hard way. Master them, and you’ll build a business […]
How to Lend to Strangers Without Losing Your Shirt
A Field Tested Review of Unsecured Lending Risk Management (2nd Edition) by Frank Tian This Book Is Written for People Who Actually Lend Money A Field Tested Review of Unsecured Lending Risk Management (2nd Edition) by Frank Tian If you’re in the business of lending money to subprime consumers, you already know the stakes: high […]
Why Subprime Credit Card Defaults Are Dropping—And What Smart Lenders Must Do NOW
The Fed Just Dropped a New Report on Subprime Lending—Here’s What It Means for YOU The Kansas City Federal Reserve just released fresh data that hits close to home for anyone lending to credit-challenged, working Americans. I’ve distilled the core takeaways, decoded what it means for our industry, and laid out the specific moves you […]
76% Of Your Potential Borrowers Will Find You This Way — Or Choose Your Competitor
Fact 88% of people who search for “cash advance near me” visit a lender within 24 hours. Fact 92% of these searches happen on smartphones. Fact The difference between appearing first or fourth in Google’s local results can mean 35% more walk-in customers for your lending business. Emergency Borrowers Choose Their Lender in 8 Seconds […]
When Rules Backfire: The Unintended Fallout of APR Caps on Subprime Borrowers
When well-meaning regulations collide with the realities of financial need, the fallout can be as unexpected as it is impactful. Imagine Joe, a single parent caught off-guard by a medical emergency seeking a $500 loan to cover urgent expenses. Now, picture the lender, bound by a 36% APR cap, trying to offer that help while […]
Ever Had a French Fry Burn? That’s What Your Financial Restrictions Feel Like.
Let the Market Decide: A Lesson from the Counter Jer, ever had a french fry burn? Doesn’t feel great, does it? But sometimes, it takes that kind of sting to wake folks up. Those who want to tell us how best to handle our finances—our “overlords”—could learn a thing or two from actually working the […]
To those who criticize subprime lenders, let’s be real about the alternatives for financially challenged consumers.
Why Subprime Lending Isn’t the Villain You Think It Is Yes, subprime lenders charge high fees, but consider the reality: more than 60% of U.S. workers live paycheck to paycheck, often facing sudden financial crises with nowhere else to turn. When their car breaks down, a medical bill hits, or rent is due, what options […]