Fewer Companies Settle with CFPB

By | May 8, 2017

The Business of Lending is the Oldest Pofession. The Wall Street Journal [which I have appeared in on several occassions] ran an interesting piece on the CFPB. The fact is, fewer companies are willing to settle with the CFPB today. This is huge.  Fewer lenders willing to settle with CFPB = more investors/capital scrambling to […]


Installment Loans vs Payday Loans. What’s the Difference?

By | Apr 28, 2017

Installment Loans vs Payday Loans. What’s the Difference? I get at least one call every day along the lines of, “What’s the difference between a payday loan and an installment loan.” They say a picture is worth a thousand words so here you go. Typical Installment Loan Breakout from Page 248 of our “How to […]


All About Internet Lending for Title, Payday and Personal Lenders

By | Apr 10, 2017

 Insight & Wisdom in small dollar lending. Digging down below the media headlines… Continued How & Why PDL and Title Lenders Must Embrace the Internet. Does your Team want to enter the lending space w/o the hassle of state-by-state licensing, bonding and compliance issues? “Tribe-in-a-Box” available immediately. Includes a sophisticated, well-funded tribe, ACH, push to […]


Payday Loan & Installment Loan APR Calculator

By | Apr 9, 2017

APR Calculator & Fees for Installment and Payday Loans APR Formula: [Note: Click LINK below to download a PDF of this Formula.] 100 X 365/D X (C/L -1) =APR Where: D = number of days of loan C = total cost of loan L = amount of loan Typical Payday Loan example: Client borrows $100 […]


Texas CSO, CAB and 3rd Party Lender Metrics

By | Apr 7, 2017

Texas CAB and Texas CSO- How to Start a Texas or Ohio CSO – CAB lending Company How Texas and Ohio Installment loan lenders and Payday loan Lenders Use CAB’s and CSO’s – Credit Access Businesses – to Increase Their APR’s above the lower mandated small dollar loan caps. The Texas Constitution mandates a 10 […]


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