The playbook for serious lending operators
How to Loan Money to the Masses without Getting Your Butt Handed to You
The hard-won lessons, models, and playbook behind building and scaling consumer lending businesses.
Inside, you’ll discover practical strategies for launching, improving, and scaling payday, installment, car title, and other consumer lending operations so you can grow profitably and avoid the mistakes that cost others millions.
This is the shortcut.
Our “Bible” pulls together the practical lessons, operator judgment, and real-world thinking behind Jer Ayles’ work in subprime lending so you can move faster with fewer expensive mistakes.
20+ Years
In subprime lending
100+ Launches
Influenced by Jer’s work
15 Locations
Built and later acquired
~40 States
Experience across the U.S.
Quoted In
WSJ, Bloomberg, NYT
WHY THIS EBOOK EXISTS
Real Answers. Not Theory
Most people trying to enter or grow in lending waste months chasing scattered answers.
They bounce from lawyer to vendor to blog post to software demos, then wonder why the numbers on’t work.
Our eBook delivers your complete playbook serious operators use.
No fluff. Just what matters
Who should buy this
This is for people who want clarity, not entertainment.
New Operators
You want a realistic path into the business without stepping on obvious landmines.
Existing Lenders
You want to sharpen operations, underwriting, collections, KPIs, or vendor decisions.
Investors
You want to understand how the business really works before you deploy capital.
Lawyers and Service Providers
You want a better operator-level view of the market and its moving parts
Texas-Focused Entrepreneurs
You want better context before going deeper into CAB structure and execution.
Strategic Partners
You want to speak the language of real lenders, not just theory and buzzwords.
WHO SHOULD BUY THIS
- Step-by-step playbooks for launching and scaling
- Payday, installment, car title, and line od credit models
- Storefront vs. online lending strategies
- Collections systems and vendor decisions
- LMS, underwriting, and technology stack
- KPIs, profitability, and unit economics
- Texas CAB and CSO licensing and compliance
- Hard-won lessons from real-world experience
WHAT THIS HELPS YOU AVOID
- Expensive beginner mistakes
- Wasting time with the wrong vendors
- Designing the wrong business model
- Poor underwriting
- Compliance & licensing missteps
- Leaving money on the table
WHY LISTEN TO JER
Jer Ayles has spent over 20 years building,launching, and improving consumer lending businesses accross the country.
He’s launched more than 100 lending projects, built and later aquired ~15 storefront locations, and worked in ~40 states.
His insights have been featured in The Wall Street Journal, Bloomberg, The Washington Post, and The New York Times.
WHAT OPERATORS ARE SAYING
The Bible
This book saved me years of trial and error. The most practical guide I've found in the subprime lending industry!
- Lender CEO, Michael Ambrose
The Bible
Thanks to Jer & Trihouse Consulting, launching my consumer loan business was a breeze!
-Lender CEO, Frank Massotti
The Bible
Our calls with Jer and the bible are the most valuable for our business. Looking forward to continued conversations.
Family Office, Murtada S.
Not sure if the “Bible” is right for you?
Schedule a free 15-minute FIT Call with our Team.
We’ll help you determine the best path forward.
Frequently Asked Questions
1
Question: Who is this book for?
Answer: It is for serious people looking to start, improve, or evaluate a consumer lending business, especially in payday, installment, and car title lending.
2
Question: Is this for borrowers?
Answer: No. This material is built for operators, investors, lawyers, vendors, and strategic partners, not consumers looking for a loan.
3
Question: Does it cover payday, installment, and car title lending?
Answer: Yes. It is designed to help people think through the business across those models and the operating decisions around them.
4
Question: Does it include Texas CAB guidance?
Answer: Yes. Texas is important enough that it also has a dedicated offer and page, but the Bible gives useful context and strategic framing here too.
5
Question: Should I buy this before booking a call?
Answer: In most cases, yes. The Bible gives you the core framework first. The fit call is there for people who need help deciding the next move.
6
Question: Is the fit call really free?
Answer: Yes, but it is short and meant to qualify serious prospects. It is not a substitute for paid consulting.
7
Question: Where do I buy it?
Answer: Use the buy button on this page to purchase through the official checkout link.
Build Smarter. Grow Faster. Make More $$$$
The Bible gives you the strategies, models, and lessons that serious lending operators use to launch, scale, and dominate
