How to start a consumer loan business-theBusinessOflending

The subprime lending industry isn’t dying, it’s evolving.

And while others debate the future, the real players are already making moves.

The smart money, the ones buying, selling, scaling, and building, aren’t wandering around asking for directions.

They’re heading straight to Trihouse Consulting.

Why?

Because we’re not just participating in the subprime lending space.

We’ve built the infrastructure that powers it.

Whether you’re a buyer, seller, investor, lender, or entrepreneur chasing the next profitable frontier, Trihouse is the hub where deals happen, relationships are forged, and opportunity is unlocked.

Let’s get something clear right up front:

There is no off-market in subprime lending unless you’re plugged into Trihouse.

The Subprime Landscape Is Exploding! But Only for Those Who Know Where to Look

While mainstream media fixates on economic uncertainty, those of us who actually live and breathe subprime lending know what’s really happening: opportunity is everywhere.

• Personal debt is expanding. Millions of consumers are stretching their budgets, and traditional credit systems are failing them.

• Loan demand is accelerating. When banks tighten, private lenders thrive.

• The near-prime borrower is slipping into subprime. And that’s not a risk. It’s a $100B+ opportunity for those with underwriting discipline.

• The TAM (Total Addressable Market) is growing. Fintech, storefront, hybrid… This isn’t niche anymore. It’s mainstream for those who know how to navigate it.

But none of this matters if you can’t access the right deals. That’s where Trihouse Consulting comes in.

Access Is Everything. And We’ve Got It

It’s easy to say you’re well connected in the subprime world.

It’s another thing to have the phone numbers, inboxes, and respect of the people who are actually moving capital and making decisions.

At Trihouse, we’ve spent decades cultivating a deep, trusted, and high-functioning network that spans:

• Lenders in 40+ U.S. states (both storefront and online)

• Buyers actively acquiring high-performing portfolios

• Owners preparing to exit or scale

• Investors ready to inject capital into the right underwriting models

• Entrepreneurs pivoting from fintech or legacy lending into the subprime gold rush

These aren’t cold leads.

These are seasoned operators, veterans of the space, and opportunists who know what they’re looking for and they trust us to help them find it.

Deal Flow Isn’t a Database. It’s a Relationship Business

Let’s be blunt: Most people chasing subprime lending opportunities are wasting time.

They’re scrolling outdated listings, playing broken broker chains, or trying to “network” their way into deal rooms that don’t even exist.

Meanwhile, at Trihouse, our team is fielding off-market deals weekly from acquisition ready storefronts with clean books, to online lenders with proprietary underwriting, to investor groups seeking minority stakes in high-velocity portfolios.

We don’t pitch everything to everyone.

That’s not how real deals work.

We curate. We filter. We connect the right people at the right time.

If you’re in our orbit, you’re part of that flow. If you’re not, you’re probably two months behind and overpaying.

Why People Trust Trihouse (and Keep Coming Back)

This industry isn’t always pretty. But it rewards those who understand its mechanics, and more importantly, those who’ve seen enough to know what not to touch.

Here’s why people trust us with their most sensitive and strategic deals:

• Experience: We’ve walked every path in this industry: operator, investor, advisor. We’ve scaled, exited, failed, learned, and won.

• Volume: We’ve seen more subprime deals in the last 18 months than most people will see in a lifetime. Volume equals pattern recognition and speed.

• Structure: We understand the compliance, licensing, tech, servicing, and capital stack issues that kill most deals before they begin.

• Insight: We don’t just connect people. We help them think through when to buy, what to sell, and how to create long-term value in subprime.

• Trust: We’ve earned our reputation. That’s why we don’t chase deals, they come to us.

This Isn’t Just a Good Time. It’s The Time

Let’s zoom out.

• The economy is squeezing traditional credit.

• Inflation is increasing demand for short-term liquidity.

• Consumers are turning to non-traditional lenders at unprecedented rates.

• Underwriting is becoming the competitive moat.

• Legislators are watching, yes, but those who operate ethically, efficiently, and profitably are thriving.

Subprime lending isn’t niche anymore. It’s macro.

And if you’re not positioning yourself now, you’re missing a generational moment.

So Who Is This Blog Really For?

This message is for a few very specific types of people:

• Owners who are exploring a sale or preparing for acquisition

• Buyers looking for deal flow that isn’t already picked over

• Investors who want exposure to high-yield, asset-light operations

• Operators who are seeking expansion, strategic capital, or partnerships

• Entrepreneurs entering or re-entering the subprime space

If that’s you, you need to be on our radar. Because at Trihouse, we’re not guessing. We’re matching. Connecting. Structuring. And building value for everyone in the chain.

The Bottom Line

We’ll leave you with this:

If you’re serious about subprime lending, the kind that scales, exits, or cash flows hard, all roads lead to Trihouse Consulting.

You can chase cold leads.

You can hope for a lucky break.

Or you can plug into a proven system that’s already generating millions in transactions and uncovering opportunity every week.

Whether you’re buying, selling, investing, or just ready to explore what’s next…

👉 Reach out. Let’s brainstorm.
📩 Jer@TheBusinessOfLending.com

This isn’t a pitch. It’s an open door.Walk through it, or watch someone else close the deal you should’ve seen first.