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7 Tactical Moves to Safely Scale Your Subprime Loan Portfolio in 2025

Let’s cut to the chase! The Demand Is Real. The Danger Is, Too. Every day, subprime lenders leave millions on the table; or worse, lose it to defaults and regulators. There’s a right way to scale. And a reckless way. This isn’t theory. It’s the exact playbook smart operators are using to grow fast without […]

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 […]

54 Million Subprime Customers Banks Ignore – Here’s How to Profit from Them

The Lending Loophole: How to Serve ~54M Customers Banks Can’t Touch Millions of consumers are locked out of the financial system, unable to borrow, unable to build, unable to move forward. They’re not risks; they’re opportunities. The credit-invisible aren’t invisible at all. They’re everywhere, waiting for a lender who understands them. This issue, I’ll reveal […]

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 […]

The Lenders Who Print Money: How Niche Loans Are the Next Gold Rush

Find Your Niche: How True Link is Revolutionizing Lending – And Why You Should Too! The smartest lenders aren’t chasing the masses—they’re finding underserved niches and dominating them. Case in point? True Link, a financial services company that recognized an untapped market: aging adults, their caregivers, and individuals with financial vulnerabilities. Instead of competing in […]

California Payday Loan Laws and Regulations

Get our free industry Newsletter Imagine this: legally charging fees that translate to over 400% APR on short-term loans. In California, this isn’t just possible—it’s the reality for payday loans under the Deferred Deposit Transaction Law (DDTL). For subprime lenders like you, this is a golden window of opportunity, with state laws allowing maximum fees of 15% […]

What Should a Subprime Lender Do to Prepare for the Small Dollar Loan Rule (SDLR)?

Imagine a regulatory storm that could shutter one in three subprime lenders by 2026 unless they act decisively before March 30, 2025. The CFPB’s Small Dollar Lending Rule isn’t merely a compliance checkbox; it’s a seismic shift in how America’s $50B high-risk credit market operates. For lenders who survive this upheaval, there’s profit. For those who […]

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