Legacy Subprime Lenders Beware: The Subprime Game Has Changed (Are You Still Winning?)
š Top Trends Shaping Subprime Money Lending in 2025 The subprime lending landscape is evolving fast. Here are the key trends you need to know and how to stay ahead: 1. AI-Powered Risk Assessment Why it matters:Ā Traditional credit scores donāt always capture subprime borrowers’ true risk. AI and alternative data (e.g., rent payments, gig economy […]
AI Throws in the Towel: Can’t Solve the Payday Loan Crisis
Why AI Canāt Solve the Payday Loan CrisisāAnd What That Says About Us AI Gives Up! Artificial Intelligence Cannot Solve the Payday Loan Crisis; Throws in the Towel Ā What are your thoughts about payday loan businesses? Payday loan businesses are a symptom of a deeper systemic problem rather than a standalone issue. They thrive […]
The Car Title Lending Expansion Playbook (2025 Edition)
š The Car Title Loan Expansion Report (2025 Edition) Where to Lend at Triple-Digit APRs – Legally, Safely, and Profitably If youāre an investor or operator in the subprime lending space, this is the report you wish you had two years ago. Weāve analyzed every U.S. state to find the 10 best markets for car […]
The Untold Secret Behind Subprime Lending Success:Ā
How Smart Technology Wins Customers and Crushes the Competition Hey Jer, ever wonder why some lenders have lines out the door while others are ghost towns? Or why certain online lenders are flooded with applications while others barely get a nibble?Ā It isnāt just rates or location, itās the experience.Ā In 2025, the winners in […]
Steal My Million-Dollar RolodexāFree, No NDA Required.
If Your Name Isnāt on This List, You Donāt Exist. Every winning lender keeps a secret Rolodex. Mine is no secret at all. Youāll find it, free, at TheBusinessOfLending.com/resources. Iāve hand-picked the lawyers who keep subpoenas away, the LMS platforms that wire cash in minutes, the lead aggregators who fill your pipe, even plug-and-play site […]
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 GenāZ used to snag Yeezys and Pelotons?Ā Fastāforward to 2025, andĀ one in four BNPL users now swipe the fourāpay button at checkout for milk, eggs, and baby formulaĀ ā up from just 14āÆ% last year, according to LendingTreeās April survey(lendingtree.com).Ā At the same time, 41āÆ% […]
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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 […]
2025-What Top Subprime Lenders Track Daily (That Amateurs Donāt Even Know Exists)
People love to ask me, āIf youāve got the whole subprime lending game wired, why are you out here posting, teaching, consulting?ā Let me break it down: Iāve built loan shops that crank six figures a month. Iāve scaled online portfolios that spit cash while Iām in Europe for the summer. Iāve got skin in […]