Jer Ayles

Trihouse Consulting

Entrepreneur | Investor | Consultant | Operator | Focused on subprime consumer lending $$$$ and coaching the 50+ demographic to monetize their decades of knowledge and skills via the Internet

Founder | Consultant | Coach | 

"How to Loan Money to the Masses" profitably. [ TheBusinessOfLending.com ] Payday loans, car title loans, installment loans, personal loans, line-of-credit... Collaboration with Team Trihouse guarantees cutting-edge access to strategies & and tactics with a Team having 20+ years of "in-the-weeds experience."

* Launched 1st payday loan/title loan location in Southern California in the late '90s.  
* Opened 15 locations in 4 states.  Acquired mid-2000s
* Launched Trihouse Consulting to provide venture capitalists, family offices, investors, entrepreneurs, tribes, attorneys, CPAs... the IP required to achieve success in the "business of lending to the masses" vertical.
* Results? A stellar reputation as the "go-to guy" for empowering de novo and incumbent B2C balance sheet lenders, investors, banks, 3rd party vendors, and State-licensed and Native American Indian tribe licensees to conceptualize > and deploy cutting-edge consumer loan products via MOIP. [Money Over Internet Protocol.]

Adept at generating new biz dev deals and partnerships. Specializing in ACH/Debit card and alternatives, Image Cash Letters (ICL), Compliance, Loan Management Software, Native American Indian tribe collaborations, search engine marketing, search engine optimization strategies, and website development for new & and existing financial services businesses.

The payday loan industry has evolved mightily from the single brick-and-mortar in the "bad" part of town offering single-payment loan products to a plethora of financial products & and services. Online, same-day funding, Fintech, the phone, tribes, investment capital by behemoths, and MOST IMPORTANTLY access to fast cash by the 70% of USA households unable to access $500 when dealing with a financial emergency. In America of all places!

Founder: How to Loan Money to the Masses

https://ExpertBoomer.com

Helping #Boomers monetize their knowledge & skill sets while in their jammies

Co-Founder

How to Loan Money to the Masses w/o Getting Your Butt Handed to You!

Are you searching for help to launch or improve a consumer loan business?
Do you want to find out how to enter "The Business of Lending to the Masses?"
Jer is at:  TrihousConsulting@gmail.com  702-208-6736  Twenty + year expert in high-risk payday, installment, car title, tribe [TLE], unsecured lending industries. 

Consultant & go-to guy for startups and founders. Expert with both Online and storefront B2C lending strategies.

Do you need help? Solutions? Introductions? Funding? Access to a knowledge base built via "years in the trenches" rather than an academic perspective? Have you been investing countless hours talking to the wrong people?

Jer at Trihouse Consulting is your Co-Founder, consultant, investor... Start-ups in installment, payday loan, car title lending, line of credit... Storefront to Online transition is my specialty.

Focused on operations, marketing, Internet models, tribe, brick-n-mortar development, mobile strategies, website development, regulatory & compliance, and State and Tribe licensed lending models. Banking, ODFI, ACH, ICL, Debit, Credit...

MOIP: Money Over Internet Protocol is the future. Allow me to teach you how. Do you feel frustrated you’re not getting specific answers to the "down-in-the-trenches" questions you have? TODAY, It's ALL about your borrower's phone!

Are you wasting time Googling "how-to" questions about laws, software, banking, payment processing...strategies, and approaches? The BEST way to reach out to me? TrihouseConsulting@gmail.com  702-208-6736 (PDT)
https://TheBusinessOflending.com
https://iwvpro.com/
https://LeaningRockFinance.com

Update: This firm is located in the heart of Orange County (SoCal) and the founders probably expect you to be here. 🌴 

A friend's portfolio company is looking for a CEO to lead in the fintech/data/SaaS product space. This established company has unique datasets in the enterprise and SME space. The dataset can be turned into verification, search and potentially market listing services. 

They are looking for a CEO to lead this business to create products and services in the banking, lending and credit space. If you are interested, please DM me and I will provide some additional details.

Tim

#Nice, France - Sometimes, it's best to hit pause. Here's to a serene Sunday morning, espresso in hand, lost in a good book with a beautiful view. #SundayVibes #RelaxAndRead 📚☕️

autoremarketing.com • 2 min read

Champ Titles lands $18M in Series C financing led by Point72 Ventures | Auto Remarketing

Take all credit options away from people with lower credit scores!

Jer Ayles on LinkedIn • 17 min read

Rational Discussion: Why People Focus on APR and Why They Shouldn’t

Timothy Li , Ah, the wise colleague quotes an ancient proverb, enlightening us with the paths of blame and self-awareness. Yet, in the grand arena of subprime lending, I offer this humble retort: "He who lends to those in need embarks on a journey of risk and reward. He who understands his borrower is halfway to profit. But he, who understands himself, knows the true risk lies not in the blame, but in the balance of aid and commerce." For in the world of lending to the credit challenged, one must not only navigate the tumultuous seas of financial uncertainty but also master the art of seeing opportunity where others see peril. And remember, my friend, in the realm of subprime philosophy, it is not just about arriving but thriving amidst the chaos, for every missed payment is a lesson, and every repaid loan, a triumph.
Jer

The Real-World Implications of a 36% APR Cap
The imposition of a 36% APR cap not only fails to cover lenders’ operational costs but also reduces the availability of credit for consumers in dire need. The Disruption Caused by APR Caps: Attempts to introduce 36% APR caps, severely hinder lenders’ ability to operate viably. Under such a cap, the fee on a $100 loan barely reaches $1.38, which is insufficient to cover operational costs, let alone allow for sustainable business practices. Moreover, research indicates such caps... MORE 👇 ⤵ ⬇  

thebusinessoflending.com • 2 min read

Rethinking APR: The Misguided Metric Hurting Borrowers

CURO Group Holdings Corp., a publicly traded consumer lender, has entered Chapter 11 bankruptcy proceedings. This form of bankruptcy involves the reorganization of a debtor’s business affairs, debts, and assets. 

CURO Group Holdings Corp.’s decision to declare bankruptcy under Chapter 11 is deeply rooted in several strategic and financial challenges it faced despite its efforts to transform and adapt to a changing economic landscape. Here’s an analysis of the key reasons behind this decision:

1. Strategic Transformation and Operational Efficiencies: CURO undertook significant efforts to improve operational efficiencies and shift its business model towards longer-term, higher-balance, and lower-interest-rate credit products. This shift was aimed at reducing regulatory and reputational risks. However, transforming a business model involves significant costs and risks, especially when moving away from established, albeit higher-risk, financial products.

2. Acquisitions and Divestitures: CURO completed acquisitions and sold its legacy high-risk business lines as part of its strategic shift. While such moves are intended to streamline operations and focus on core, more sustainable activities, they also involve substantial financial outlays and can lead to short-term liquidity pressures.

3. Liquidity Challenges: CURO faced liquidity challenges exacerbated by unsuccessful refinancing efforts. Potential refinancing lenders viewed the company’s corporate balance sheet as over-leveraged, making it difficult to... 


thebusinessoflending.com • 4 min read

CURO Declares Chapter 11

“Financial technology companies and other lenders sued to overturn a Colorado law allowing the state to block loans from fintechs parterning with out-of-state banks that violate an interest-rate cap.”

news.bloomberglaw.com • 1 min read

Fintechs Sue to Block Colorado Law Barring Interest-Rate Imports

The Prime degrading to the Subprime!

“While the average consumer remained credit healthy, analysts said the number of consumers in the VantageScore Prime credit tier (661-780) shrank for the second consecutive month.”

autoremarketing.com • 3 min read

VantageScore spots delinquency trend not seen in 4 years | Auto Remarketing

As California goes… “A new law mandating $20 hourly wages for fast-food workers goes into effect in California on April 1, but many restaurants have been cutting jobs or reducing workers’ hours.”

fox5sandiego.com • 2 min read

Big raises, but layoffs, for California fast-food workers

An analysis by PYMNTS Intelligence found that 15 million people, or 6.5% of the U.S. population, reported using buy now, pay later apps to pay for groceries during 2023, the New York Post reported.

Of those using the apps, around 5.4% were low-income Americans, according to the study. The rest were those whose yea

cutoday.info • 2 min read

An Increasing Number of Consumers, Even Those With Higher Incomes, Turning to BNPL for Groceries

“The daily news is really just an attempt to answer the question, ‘What is the worst thing that happened on Earth today?’ And with 8 billion people on Earth, somewhere on the planet, something horrible is happening every single day.” ~ Elon Musk

#1 Reason payday loan, car title loan, installment loan #SMBs fail to sell their loan portfolios? Old-school owners have “decades-old ingrained habits of keeping lackluster records,” which make deals a whole lot less bankable.

Today’s Buyers want to borrow and leverage loans and if the business can’t easily pass underwriting with its historical tax returns, they’re  hard to sell.

We’re buying! Reach out!! 👇⬇️🔻

Banks & credit unions have the Power! $$$$ Lobbyists- Fought the Good Fight

“Credit unions fought the good fight on this and will likely continue to—the overwhelming sentiment in the industry is that this rule is a case of CFPB overreach,” said John McKechnie, who advocates for credit unions in Washington. “Unfortunately, we are swimming upstream against an Administration that calls any fee charged by a business a junk fee.  It’s hard to see President Biden letting this regulation be overturned by Congress.”

House Committee Passes Resolution Blocking CFPB's $8 Fee Cap on Late Card Payments

#Boomers: We’re getting HEAT for not expiring soon enough. Make some NOISE 🎉🥳👏

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