28 COLLECTORS IN AN HOUR. GREAT. DID ANYBODY PAY?
28 COLLECTORS IN AN HOUR. GREAT. DID ANYBODY PAY? Something happened in collections this week that every payday, title and installment lender should pay attention to. PayNearMe launched an AI servicing and collections agent. And buried inside the announcement was a number that jumped off the page at me. In one pilot campaign, the AI […]
Title Loan Underwriting: Your Collateral Is Also Your Borrower’s Paycheck Machine
Title Loan Underwriting: Your Collateral Is Also Your Borrower’s Paycheck Machine Last updated: September 17, 2026 Title loan underwriting measures what the vehicle is worth if you take it. It almost never measures what the vehicle is worth to the borrower’s ability to keep paying you. Those are two different values. A title lender who […]
I Made $1,095 in 82 Days Without Lending a Dollar
I Made $1,095 in 82 Days Without Lending a Dollar. The Money Is Not the Point. Last updated: August 23, 2026 Between June 1 and August 21 I earned $1,095.41 running a small-dollar loan affiliate site. 587 loan requests submitted. 470 of them bought. No license. No capital at risk. No loan book, no servicing, […]
Texas CAB Third-Party Lender Agreements: What Operators Must Understand Before They Sign
Texas CAB Third-Party Lender Agreements (2026): The 7 Documents and Who Really Carries the Risk
“My store is the last independent payday loan location in Ohio.”
Subprime Loan Business in 2026: Demand Is Strong, But Weak Paper Kills Profit
Subprime Loan Business in 2026. Demand is Strong, but Weak Paper Kills Profit 2026 Operator Briefing for Subprime Lenders Subprime Payday, Car Title, Installment Loan Business in 2026. Demand is Strong, but Weak Paper Kills Profit Payday, car title, installment, and Texas CAB lenders still have demand. The lenders who will win will approve better, […]
Texas CABs: The Complaint Wave Is Here. Audit Your Disclosures Before Someone Does It For You.
Texas CABs: The Complaint Wave Is Here. Audit Your Disclosures Before Someone Does It For You. Texas Appleseed is back. Ann Baddour’s Fair Financial Services Project has been gunning for payday and auto title lending for years. If you’re surprised complaints are hitting CABs again, you haven’t been paying attention. Here’s the truth: a complaint […]
No Score. No Deal. No Logic: The Edge in Subprime Lending (What’s Working in 2026)
No Score. No Deal. No Logic: The Edge in Subprime Lending (What’s Working in 2026) FICO Didn’t Decline Your Borrower. Your Data Stack Did. You didn’t lose that loan because the borrower was a bad bet. You lost it because your system had no way to see them. “No score. No deal.” That’s not a […]
Employee Turnover Storefront Lending
Employee Turnover: The $50,000 Leak How employee turnover for both storefront and online lending quietly kills lending margins, and what operators who survive do differently. The Truth Most Operators Won’t Say Out Loud Lender employee turnover isn’t an HR problem. It’s a profit leak. Consumer lending employee retention is the metric that separates operators who […]