Why Payday Lending May Be the Savviest Play You Make in 2026
Bottom line: the American cash-flow gap is persistent, predictable, and monetizable if you run a clean, fast, compliance-first shop.
Payday Loan Lender Collections: Proven Tactics, Scripts, Timeline
Quick answer: Strong results come from three things. 1) A clear timeline with specific call attempts and letters. 2) Calm, compliant phone language that sets same-day payments or firm promises. 3) Meticulous notes in your LMS so nothing slips. Letters matter for notice, but recoveries are driven by effective phone contact plus accurate reporting where […]
BNPL for Beans: Why Your Borrowers Are Financing Their Frosted Flakes and What That Means for YOUR Loan Portfolio
Remember when Buy Now, Pay Later (BNPL) was the shiny toy Gen‑Z used to snag Yeezys and Pelotons? Fast‑forward to 2025, and one in four BNPL users now swipe the four‑pay button at checkout for milk, eggs, and baby formula – up from just 14 % last year, according to LendingTree’s April survey(lendingtree.com). At the same time, 41 % […]
Why Now Is the Best Time in 20 Years to Start or Scale Your Subprime Loan Business
Subprime Loan Business: 1. America Is Drowning in Consumer Debt 2. Big Banks and Credit Unions Want Nothing to Do with Them 3. Digital Lending Is the New Frontier 4. The Margins Are Insane 5. The TAM Is Jaw-Dropping 6. Investors Are Paying Attention 7. Compliance Is No Longer the Barrier It Used to Be […]
Fintech Lenders “Don’t Need No Stinking Badges” Quo: Lender to the Masses
How to Loan Money to Strangers Man, there are some serious new approaches to “The Business of Lending to the Masses” entering the marketplace. I’ve previously broken down OneMain.com, Dave.com, and Earnin.com… and more on our Blog. Today, I point you to Quo. Now if you’re “old school,” like I was back in the day, […]
How to Start a Car Title Loan Business
Introduction Starting a car title loan business can be a great way to make money and be of service. By ensuring you have everything in place and are prepared for the challenges of owning such a small business, you’ll be able to get off on the right foot and make sure your new venture succeeds! […]
A 36% APR on a 2-week loan = customers pay $1.38 per $100 borrowed.
Learn how to start a consumer loan business! Your inventory is MONEY! What could be better? Zip! Perspective FALLACY #1: Payday lenders, car title lenders, installment lenders, and all small-dollar loan lenders can earn a profit under a state-imposed 36% annual percentage rate cap. FALLACY #2: Small-dollar loan customers should simply go to a bank […]
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 […]
Heads Up: Debt Buyers Paying More for Our Bad Paper
payday loan, car title loans, installment loans… % Debt buyers are in a state of frenzy. Payday, installment, car title… lenders are working their bad debt longer than normal. Why? Our subprime borrowers are sitting on a ton of cash. Our collection Team is experiencing more than usual success.