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			<title>The Fraud That Looks Like a Good Customer</title>
			<pubDate><![CDATA[Fri, 13 Mar 2026 20:50:09 +0000]]></pubDate>
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			<title>Payday Loan Demand 2026: A 10% Credit Card APR Cap Would Be the Best Thing That Ever Happened to Subprime Lenders</title>
			<pubDate><![CDATA[Wed, 21 Jan 2026 21:11:18 +0000]]></pubDate>
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			<title>Free, Try My A.I. Clone for Subprime Lending Operators</title>
			<pubDate><![CDATA[Tue, 10 Mar 2026 21:43:34 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/the-usa-wide-predatory-lending-elimination-act-doesnt-eliminate-predatory-lending-it-eliminates-lending/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/the-usa-wide-predatory-lending-elimination-act-doesnt-eliminate-predatory-lending-it-eliminates-lending/]]></link>
			<title>The USA wide &#8216;Predatory Lending Elimination Act&#8217; Doesn&#8217;t Eliminate Predatory Lending. It Eliminates Lending.</title>
			<pubDate><![CDATA[Wed, 11 Feb 2026 22:57:27 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/the-36-apr-cap-what-actually-happens-when-you-pull-the-ladder/]]></guid>
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			<title>The 36% APR Cap: What Actually Happens When You Pull the Ladder</title>
			<pubDate><![CDATA[Tue, 03 Mar 2026 19:03:35 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/subprime-lenders-lose-more-money-to-caution-than-they-ever-lose-to-default/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/subprime-lenders-lose-more-money-to-caution-than-they-ever-lose-to-default/]]></link>
			<title>Subprime Lenders Lose More Money to Caution Than They Ever Lose to Default</title>
			<pubDate><![CDATA[Thu, 26 Feb 2026 23:08:28 +0000]]></pubDate>
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			<title>About Jer Ayles</title>
			<pubDate><![CDATA[Thu, 22 Jan 2026 23:24:33 +0000]]></pubDate>
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			<title>Subprime Lending KPIs That Tell You If You Are Actually Profitable</title>
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			<pubDate><![CDATA[Sun, 01 Mar 2026 01:44:22 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/new-york-just-told-the-entire-tip-based-lending-industry-to-drop-dead/]]></guid>
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			<title>New York STOP Act Kills Tip-Based Lending Models and Told the Entire &#8220;Tip-Based Lending&#8221; Industry to Drop Dead</title>
			<pubDate><![CDATA[Fri, 30 Jan 2026 22:44:45 +0000]]></pubDate>
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			<title>Home</title>
			<pubDate><![CDATA[Fri, 27 Mar 2026 20:30:49 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/car-title-lending-in-2026-the-states-still-printing-margin-and-the-operators-getting-left-behind/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/car-title-lending-in-2026-the-states-still-printing-margin-and-the-operators-getting-left-behind/]]></link>
			<title>Car Title Lending in 2026: Best States, Biggest Traps</title>
			<pubDate><![CDATA[Fri, 06 Feb 2026 23:08:34 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/the-rule-that-was-supposed-to-save-the-poor-but-made-them-poorer/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/the-rule-that-was-supposed-to-save-the-poor-but-made-them-poorer/]]></link>
			<title>The Rule That Was Supposed to Save the Poor  But Made Them Poorer</title>
			<pubDate><![CDATA[Tue, 06 Jan 2026 22:41:24 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/legacy-subprime-lenders-beware-the-subprime-game-has-changed-are-you-still-winning/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/legacy-subprime-lenders-beware-the-subprime-game-has-changed-are-you-still-winning/]]></link>
			<title>Legacy Subprime Lenders Beware: The Subprime Game Has Changed (Are You Still Winning?)</title>
			<pubDate><![CDATA[Wed, 16 Jul 2025 19:33:16 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/navigating-the-texas-credit-access-business-model-for-personal-loans-a-comprehensive-guide-for-lenders-3rd-party-lenders-regulators-consumers/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/navigating-the-texas-credit-access-business-model-for-personal-loans-a-comprehensive-guide-for-lenders-3rd-party-lenders-regulators-consumers/]]></link>
			<title>2026: Navigating the Texas Credit Access Business CAB &amp; CSO: A Comprehensive Guide for CABs, CSOs, 3rd-Party Lenders, Regulators &amp; Consumers</title>
			<pubDate><![CDATA[Mon, 05 Jan 2026 21:58:55 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/how-to-loan-money-to-strangers-without-getting-your-butt-handed-to-you/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/how-to-loan-money-to-strangers-without-getting-your-butt-handed-to-you/]]></link>
			<title>&#8220;How to Loan Money to Strangers without Getting Your Butt Handed to You.&#8221;</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:36:17 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/payday-loan-lender-collections-workflows-a-step-by-step-playbook-thebusinessoflending/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/payday-loan-lender-collections-workflows-a-step-by-step-playbook-thebusinessoflending/]]></link>
			<title>Payday Loan Lender Collections: Proven Tactics, Scripts, Timeline</title>
			<pubDate><![CDATA[Wed, 08 Oct 2025 14:21:17 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/cash-flow-underwriting-for-300-1200-loans-with-chirp-cash-flow-scores-the-90-day-plan-to-grow-and-stay-profitable/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/cash-flow-underwriting-for-300-1200-loans-with-chirp-cash-flow-scores-the-90-day-plan-to-grow-and-stay-profitable/]]></link>
			<title>Cash-flow underwriting for $300–$1,200 loans with Chirp cash-flow scores: the 90-day plan to grow and stay profitable</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:35:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/how-to-start-a-payday-loan-business-in-2026/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/how-to-start-a-payday-loan-business-in-2026/]]></link>
			<title>How to Start a Payday Loan Business in 2026</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:34:44 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/how-to-start-a-subprime-lending-business-a-clear-guide-thebusinessoflending/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/how-to-start-a-subprime-lending-business-a-clear-guide-thebusinessoflending/]]></link>
			<title>How to Start a Payday Loan Business: A Clear Guide | theBusinessOfLending</title>
			<pubDate><![CDATA[Wed, 08 Oct 2025 12:04:23 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/they-laughed-when-i-predicted-the-death-of-payday-loans-until-they-saw-what-i-replaced-them-with/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/they-laughed-when-i-predicted-the-death-of-payday-loans-until-they-saw-what-i-replaced-them-with/]]></link>
			<title>They Laughed When I Predicted the Death of Payday Loans… Until They Saw What I Replaced Them With</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:33:54 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/future-of-car-title-loans-risks-and-rewards/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/future-of-car-title-loans-risks-and-rewards/]]></link>
			<title>The Future of Car Title Loans: Risks, Rewards and Where Lenders Still Win</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:33:04 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/why-payday-lending-may-be-the-savviest-play-you-make-in-2026/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/why-payday-lending-may-be-the-savviest-play-you-make-in-2026/]]></link>
			<title>Why Payday Lending May Be the Savviest Play You Make in 2026</title>
			<pubDate><![CDATA[Wed, 08 Oct 2025 15:23:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/online-vs-storefront-lending-in-2026-where-profits-and-pitfalls-hide/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/online-vs-storefront-lending-in-2026-where-profits-and-pitfalls-hide/]]></link>
			<title>Online vs. Storefront Lending in 2026: Where Profits (and Pitfalls) Hide</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:31:33 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/jer-in-the-wallstreet-journal/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/jer-in-the-wallstreet-journal/]]></link>
			<title>Jer in the WallStreet Journal</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:30:48 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/payday-title-and-installment-loan-demand/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/payday-title-and-installment-loan-demand/]]></link>
			<title>Payday, Title, and Installment Loan Demand in 2026: Where Profits Are Headed</title>
			<pubDate><![CDATA[Tue, 30 Dec 2025 20:29:24 +0000]]></pubDate>
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			<guid><![CDATA[https://thebusinessoflending.com/hire-payday-loan-consultant/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/hire-payday-loan-consultant/]]></link>
			<title>Payday Loan Consultant</title>
			<pubDate><![CDATA[Sun, 02 Nov 2025 23:11:57 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/tribal-lending/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/tribal-lending/]]></link>
			<title>How to Start a Tribal Lending Business</title>
			<pubDate><![CDATA[Sun, 02 Nov 2025 23:01:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/story-about-jake-the-consumer-loan-collector/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/story-about-jake-the-consumer-loan-collector/]]></link>
			<title>A Story About Jake, the Debt Collector</title>
			<pubDate><![CDATA[Mon, 29 Dec 2025 23:58:36 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/why-payday-loan-franchises-are-a-300k-mistake-and-what-smart-entrepreneurs-do-instead/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/why-payday-loan-franchises-are-a-300k-mistake-and-what-smart-entrepreneurs-do-instead/]]></link>
			<title>Why Payday Loan Franchises Are a $300K Mistake (And What Smart Entrepreneurs Do Instead)</title>
			<pubDate><![CDATA[Sun, 28 Sep 2025 15:13:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/miss-this-miss-millions-how-smart-lenders-set-up-tribal-bank-accounts-that-print-cash/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/miss-this-miss-millions-how-smart-lenders-set-up-tribal-bank-accounts-that-print-cash/]]></link>
			<title>Miss This, Miss Millions: How Smart Lenders Set Up Tribal Bank Accounts That Print Cash</title>
			<pubDate><![CDATA[Wed, 27 Aug 2025 14:01:11 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://thebusinessoflending.com/would-you-repossess-a-tattoo-the-answer-could-make-you-rich-or-broke/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/would-you-repossess-a-tattoo-the-answer-could-make-you-rich-or-broke/]]></link>
			<title>Would You Repossess a Tattoo? The Answer Could Make You Rich or Broke</title>
			<pubDate><![CDATA[Tue, 19 Aug 2025 16:05:44 +0000]]></pubDate>
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			<link><![CDATA[https://thebusinessoflending.com/resources/]]></link>
			<title>Resources</title>
			<pubDate><![CDATA[Sun, 17 Aug 2025 15:06:05 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/the-3-google-business-profile-moves-that-add-50-calls-this-month/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/the-3-google-business-profile-moves-that-add-50-calls-this-month/]]></link>
			<title>The 3 Google Business Profile Moves That Add 50 Calls This Month</title>
			<pubDate><![CDATA[Sun, 10 Aug 2025 14:25:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/subprime-lendings-perfect-storm/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/subprime-lendings-perfect-storm/]]></link>
			<title>Subprime Lending’s Perfect Storm: </title>
			<pubDate><![CDATA[Mon, 28 Jul 2025 23:27:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/state-by-state-subprime-loan-aprs/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/state-by-state-subprime-loan-aprs/]]></link>
			<title>The 12 States Where Lenders Are Making a Killing (And Why You’re Not There Yet)</title>
			<pubDate><![CDATA[Mon, 11 Aug 2025 11:09:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/2025-2026-small-dollar-lending-playbook-how-i-build-profitable-payday-loan-subprime-loan-businesses-that-win-online-and-in-store/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/2025-2026-small-dollar-lending-playbook-how-i-build-profitable-payday-loan-subprime-loan-businesses-that-win-online-and-in-store/]]></link>
			<title>2025/2026 Playbook</title>
			<pubDate><![CDATA[Fri, 26 Sep 2025 16:00:47 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://thebusinessoflending.com/best-practices-for-compliance-and-licensing-in-the-ever-changing-regulatory-landscape/]]></guid>
			<link><![CDATA[https://thebusinessoflending.com/best-practices-for-compliance-and-licensing-in-the-ever-changing-regulatory-landscape/]]></link>
			<title>Best Practices for Compliance and Licensing in the Ever-Changing Regulatory Landscape</title>
			<pubDate><![CDATA[Fri, 26 Sep 2025 12:46:22 +0000]]></pubDate>
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			<title>How to Start a Payday Loan | Car Title Loan Business</title>
			<pubDate><![CDATA[Tue, 15 Jul 2025 20:15:10 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 26 Mar 2026 17:43:48 +0000]]></pubDate>
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