Why Payday, Title & Installment Loan Demand Booms, Slows, and Surges Again: The Subprime Lending Calendar
The Subprime Lending Calendar What SEC filings, IRS data, and decades of lending experience reveal about payday, title, installment, and line-of-credit seasonality. THE BUSINESS OF LENDING RESEARCH • STRATEGY • OPERATIONS INDUSTRY RESEARCH | OCTOBER 2026 The Subprime Lending Calendar: Why Some Months Boom and Others Go Bust What SEC filings, IRS data, and decades […]
THREE THREATS TO YOUR LENDING BUSINESS. NONE OF THEM WALKED THROUGH YOUR FRONT DOOR.
Three Threats to Your Lending Business | The Business of Lending THE BUSINESS OF LENDING Money to Strangers October 12, 2026 | The Operator Newsletter | Jer Ayles THREE THREATS TO YOUR LENDING BUSINESS. NONE OF THEM WALKED THROUGH YOUR FRONT DOOR. A major lender loses 23% of its market value in one day. A […]
Texas Title Loans: Lifeline, Loophole, or the Last Door Still Open?
Texas Title Loans: Lifeline, Loophole, or the Last Door Still Open? Last updated: October 4, 2026 Texas title loans are short-term loans secured by a borrower’s clear car title. Most are arranged by a Credit Access Business (CAB) licensed under Chapter 393 of the Texas Finance Code, which brokers the loan to a third-party lender […]
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, […]