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 […]

→ Limited time inflation relief pricing: Save $147.00

Limited Time Inflation Relief Pricing $147 Off ends in

:
:
: