Future of the Payday Loan Industry-Joint Ventures
Summary:
1) You’re not simply a payday loan provider, a car title loan lender, a rapid tax refund agent, a check casher, a bill pay processor, a rent-to-own center, a pawn shop… you’re in the micro-lending industry; a giant niche worth billions of dollars annually throughout the world.
2) Embrace the Internet or Die!
3) Joint ventures and partnerships can make a great deal of sense.
4) Canadian affiliate program opportunity.
Read this Newsletter online here:
http://www.PaydayLoanIndustryBlog.com
Although not a new trend, the combination of brick-n-mortar locations with an Internet presence is certain to eventually become the dominate model. We continue to stress this strategy over and over again to our clients for whom we consult and in our own store and Internet businesses.
If you have a physical location(s), why would you choose to be solely dependent on attracting potential clients from a 5 - 8 - 10 mile radius around your store when, with the aid of a little technology, you can service residents of your entire state or province. And it’s not a huge stretch to service an entire country. In addition to actually funding these loans, there are a multiplicity of methods to develop revenue streams from these leads. See: Payday Loan Affiliate Programs
Sure, more than a few of your customers insist on, and are most comfortable, with face-to-face transactions only. But we all know that consumers in larger and larger numbers are becoming more and more comfortable conducting their business via the Internet.
Another trend we’re witnessing is joint ventures between payday loan, car title lenders and other micro-lenders in niches such as installment lending, rapid-tax refund providers, and more.
Let’s get specific…
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Take the recent announcement by BHM Financial Inc. regarding their partnership with The Money Stop.
The Money Stop is a payday loan chain having physical locations in British Columbia and Alberta, Canada.
BHM Financial Inc. is a financing company specializing in secured bad credit loans, installment loans, car title loans, mobile home and RV refinancing; mostly on the Internet.
The strategy for this partnership is that, until their affiliation with BHM Financial, The Money Stop was only able to finance small dollar amounts with short lending terms (payday loans). Because The Money Stop is now offering financing through BHM, they’re able to offer their clients larger loans with flexible rates and longer repayment terms regardless of the client’s credit history. This permits The Money Stop to gain new business they might have otherwise lost due to not having the capability of offering these types of loans.
BHM gains the added business brought in by individuals seeking loans from local lenders in face-to-face-transactions. Until now, BHM Financial was strictly an Internet lender. BHM Financial’s problem was that consumers are not always comfortable applying for a loan online, and BHM has the majority of their application process on-line. The team at BHM Financial felt they were missing out on the opportunity to enter transactions with these non-Internet savvy consumers. Their partnership with The Money Store enables them to service these consumers by allowing them to apply in person with a local lender. Through The Money Stop, BHM Financial Inc. can offer the more personalized, one on one service that BHM found difficult to accommodate via the Internet.
Specifically, why is this partnership good for The Money Stop? Well, as our readers know, the majority of payday lenders (depending on locale) are only able to advance small sums amounting to a percentage of the client’s paycheck. Additionally, repayment was due on the client’s payday with little flexibility in repayment terms. Now, due to its affiliation with BHM, The Money Stop will be able to offer car title loans from $1,000 to $10,000 with flexible repayment terms anywhere from 1 to 4 years in length. New for The Money Stop, these loan products are called car-title loans and they are primarily given to individuals who cannot secure financing through standard financial institutions because of bad credit or no credit. The loans are secured by the borrower’s vehicle and because of this collateral, the loans are funded regardless of the borrower’s credit history.
The Money Stop will continue to offer all of the loans and services they previously offered and will simply add BHM’s car-title loans and mobile home and RV refinancing to their offerings. BHM assures that The Money Stop’s clients will experience the same loan process they have always experienced. Car-title loans can be approved in hours and funded in less than 24 hours and the process can all be completed at The Money Stop’s physical locations.
So… what’s the point?
1) Again, we are NOT simply providers of one or two specific products. Micro-lending is what we do.
2) We must be flexible and creative. Our product lines are evolving. Who knows what our collateralized and non-collateralized loan products will look like in the future.
*******************Got a Product/Service for Payday Loan Operators?************
Advertise here:
http://www.paydayloanindustry.com/payday-loan-vendors.html
*******************************************************************************
3) We need software that offers an easy transition into creative products and services.
4) We need a web site. Even if we start with a simple 3 or 4 page web site capable of simply emailing a basic application. This basic site will allow us to play and experiment with design, traffic generation techniques, and more. A basic web site will help establish legitimacy in the eyes of many of our consumers. You can accomplish this basic goal for as little as $500 in today’s market place. (For more on this email: Websites@PaydayLoanIndustry.com )
5) Joint-ventures and partnerships with companies offering complementary products and services can make a great deal of sense. Combining the brick-n-mortar world with an Internet presence must be accomplished for future survival.
PS: our Canadian readers may want to consider a relationship with BHM Financial as well. BHM Financial Group is expanding throughout Canada and is currently accepting the registration of additional Payday Loan Affiliates.
Become an Agent and earn 10%!
If you are the owner of a Payday Loan, Cheque Cashing, or another type of short-term lending business in Canada, you can now become an agent of BHM Financial and start offering car title loans (loans secured on a vehicle) for $1,000 – $10,000 and earn as much as 10% commission up to $250 per application financed. Become an agent and start offering your clients the convenience of secured loans right from your storefront!
email:
Agent-BHMFinancial@PaydayLoanIndustry.com
Canada Payday Loan Laws & Legislation Update
The Province of Ontario will complete its regulation of the payday loan and cash advance industry as of December 15, 2009. This includes includes a maximum rate of $21 per $100 loaned. Included in the new regulations are strong consumer protections in conjunction with good, solid, and fair legislation thus, assuring the future of the payday loan industry in Ontario.
Shortly, the Province of Saskatchewan will announce the maximum rate of borrowing for payday loan transactions at $23 per $100 loaned. Saskatchewan becomes the fifth province to have set a maximum cap for payday loan transactions.
Ontario joined Nova Scotia and British Columbia in being exempted from Section 347 of the Canadian Federal Code. This move allows the Province of Ontario to implement a maximum rate and enabling legislation for payday loan lending.
The Province of Alberta is also in the final steps of completing its exemption from Section 347.
The provinces of Manitoba, New Brunswick and Prince Edward Island are still in the process of negotiating payday loan legislation, maximum caps, and licensing.
How to Start a Payday Loan Business
Starting a payday loan business has never been easier. Sure, there are some state or provincial regulatory issues to deal with. And you’ve got to navigate through the business structure scenarios available to you; LLC, S-Corporation, C-Corporation, Sole-Proprietorship, etc. ( A good introductory to this subject is Garrett Sutton’s book “Why Form A Corporation” from the “Rich Dad Poor Dad” book series). And yes, we know the Obama administration has lot’s of ideas that will eventually impact the payday loan, car title, check cashing and RAL ( Rapid Tax Refund ) industries. But hey, these little impediments simply eliminate the entrepreneurs lacking drive, ambition, guts and a degree of risk tolerance.
“Ease of entry” is a term that’s often tossed around by knowledgeable folks when considering entry into a new business. Mature entrepreneurs realize that barriers to launching a new business, like the payday loan or car title loan niches, are simply opportunities for them. They realize most people are simply lazy! They want instant gratification. They want everything laid out for them. Actually they want everything done for them; and, they want it all done for free.
The point is, if it’s easy to enter a new market, a new niche, a new industry, and the perception is that a ton of money is being made, then competition will certainly appear. On the other hand, if on the surface, the general consensus is that it’s too difficult to jump through the hoops required to enter an industry such as payday loans, the typical new business dreamers will never do the work or perform the research to enter that market and compete. And that can be a good thing and a bad thing…
Why? Obviously it’s good when you’re in an extremely lucrative market and you have little competition. However, there is strength in numbers. There is strength when a significant number of competitors exist in a market having large numbers of customers. A large, competitive industry with large budgets can communicate their products and services benefits to consumers, the media and legislators. PAC’s (Political Action Committees) can be formed to fight regulatory encroachments by competing industries - such as banks and credit unions versus payday loans and car title loans.
The consumers, employees and businesses offering and using our services are voters. Obviously, the more voters who understand the benefits of our products the better our ability to survive. Never doubt that there are a great number of other industries that want our customers badly. They would love to see us go away! And they will use every ruse and distortion to accomplish their goal of eliminating us.
As a side note, it’s interesting that whenever actual customers, that is actual users of our products and services are interviewed, we are viewed quite favorably when compared to banks, credit card companies and more.
So… if you’re interested in starting a payday loan business, entering the car title loan industry, offering Rapid Tax Refund products or, for that matter, starting any kind of business that is new to you, do not fear the initial difficulties you’ll encounter. Consider these impediments to simply be part of “weeding out the chafe;” the elimination of the lazy and the incompetent.
Taste It! Payday Loans, Car Title Loans, Rapid Tax Refunds
Yes, it’s been awhile; we’ve been REALLY busy the past several weeks!
Our Internet transaction volume is up strong and we’ve opened 2 more stores for payday loans, car title lending and RAL’s (rapid tax refunds)
So… this has got to be short and sweet!
1) If you need help, either with your existing payday loan, car
title lending, or check cashing business, or starting one of these
businesses, visit our list of vendors and suppliers. They’re very good
and experienced. They’re listed here: Payday Loan & Car Title Vendors:
2) If you’re considering entering our industry OR you’re contemplating
the addition of one of these products to your existing product line,
GO GET ONE!
That’s right. Go get a payday loan! Go get a car title loan! Go cash
a check!
What’s it feel like? How are you treated? What does the location
look like? What other products or services do they offer? How much
“action” is going on? What do they require? How long does it take?
And this goes for you Internet guys as well!
GET OUT IN THE FIELD! Taste it! Feel it! Roll around in it!
Just go do it… You’ll be surprised what you see and learn; guaranteed!
Your thoughts, ideas and comments are DEMANDED!
Jer
Jer@PaydayLoanIndustry.com
Payday Loan Lenders - ATM Fees - Overdraft Fees = 400 Percent APR
The payday loan industry is becoming more sophisticated and reaching deeper into their pockets in order to thwart negative payday loan legislation.
A link over at Nick’s PDL Industry Blog brought this to our attention.
Payday lenders are gearing up for an alternative strategy. The industry believes it has found new support in arguing that payday loans, with annual interest rates that can reach 400 percent, are a cheaper alternative to overdraft charges. The industry is citing a recent USA Today analysis based on data from Moebs Services, an economic research firm. According to the analysis, consumers pay an overdraft fee of $26.68 every time they overdraw their account. So if consumers overdraw by $100, they’d pay an annual percentage rate (APR) of 696%, if the credit is paid back in two weeks – compared with an APR of 450% on a $100 payday loan with an average fee of $17.25, according to USA Today.
“The focus on overdraft protection on the Hill has helped legislators to understand that payday lending can be looked at as a cheaper alternative to overdraft charges,” said Steven Schlein, a spokesman for the Community Financial Services Association, the trade group for payday lenders.
The Secret - Payday Loans - Car Title Loans - Scrap Gold Business - How to Get the Info You Need
The Secret - Payday Loans - Car Title Loans - Scrap Gold Business -
How to Get the Info You Need
The information and help you need for your micro-lending business
is there for the asking. You’ve just got to learn the SECRET!
Because we not only offer consulting and training but we actually
“DO” payday loans, car title lending, scrap gold buying and more…
plus the fact we dominate the Internet in these niches… we find
ourselves on the leading edge for micro-lending “how-to
information.” Got a new product or service for our industry? You’re
gonna contact us and let us know about it. After all, we get
hundreds of phone calls and emails each week from new and existing
operators looking for help. Any vendor, supplier, potential or
existing operator performing their due-diligence is going to bump
into us. So of course, we expect to hear from them!
And yet it astounds me how reluctant many payday loan and car title
lender entrepreneurs are to tap into the network of pros in our
industry. Just consider all the existing operators, vendors,
suppliers, national and state organizations there are, who are up
to their eyeballs in our industry. Every day these industry
insiders are fielding phone calls and emails, answering questions,
tracking down rumors, explaining their services and investigating
their competitor’s products and services.
SO, CALL THEM! EMAIL THEM!!
Our training materials list dozens of ACH providers, payday loan
and car title loan software solutions, I.D validation services,
compliance pros, legal experts, industry trade magazines, insurers,
bond agents, investors, regulators, reloadable debit cards, web
site developers, Check-21 services, consumer account verification
services, collection data bases, fraud prevention, check cashing
solutions, Internet lending turnkey solutions, OFAC help, stores
wanted, stores for sale, call centers, collection/debt recovery,
debt purchasing, rapid tax refund turnkey solutions, and on and on
and on…
Whether you’re a potential or existing operator CALL THEM! Ask
questions. Don’t be afraid to tell them your situation! You’re
brand new to the business? Let them know. You’ve been in it 100
years? No problem. Payday loans, car title loans, scrap gold
buying… they’re all dynamic industries! New models, technology,
rules, associations, legislation and more are introduced all the
time.
Look, you’re busy running your business every day. You can’t
be expected to remain current on every aspect of these fast paced
businesses. So… set aside an hour each week to reread our
training materials and place a few phone calls. Prepare a couple of
questions ahead of time AND WAIT FOR THE RESPONSE!
Remember the old saying, “We have two ears and one mouth”, so ask
your question and then shut-up and listen. This is an art that many
of us, myself included, need to master.
Now this is important! I’m not suggesting you pick up your phone
on a whim or shoot-off an email every time you you need an expert
opinion about some aspect of your business. These people have time
constraints just as you do. Again, do a little research on your
own, prepare a few questions ahead of time and then allow yourself
to digest their response. Make it clear where you are in your
discovery process and end with a gracious, “Thank You.”
*************Our Sponsor******************************************
Vendors and suppliers: Reach over 5000 readers:
http://www.paydayloanindustry.com/payday-loan-vendors.html
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Example:
You’re brand new to the industry and you need info regarding payday
loan software. Call a minimum of three vendors listed in our Payday
Loan Training Manual or our “Payday Loan Internet Report” and
arrange for a free demo. Prepare a list of open-ended questions for
the sales rep. Ask them and then simply sit back and listen. Let
her know you’re brand new!
We’re not going to cover every conceivable question but after
asking questions such as:
What features and benefits does your payday loan software offer
that your existing customer base most appreciates?
What states/provinces/counties due you currently have clients in?
Are you integrated with any ID validation services?
ACH providers?
Collection tools? Templates? Email integration?
Back-end accounting functions?
What other products and services will your software support?
Veritec integration?
CSO capability?
Web Based?
Lead integration?
NOW! Don’t hangup the phone yet! Ask for their thoughts on the
current state of the industry and about your specific
state/province. Ask them for the contact info for a couple of their
clients located in your geographic area. Ask them if they offer
clients of Jer and Trihouse Payday Loan Consulting a discount AFTER
you’ve already been quoted a price for their software solution. Ask
them about upcoming association meetings and conventions. Ask them
what they think it takes to get started in the business.
Finally, remember to thank them!!! And if you’re impressed with
their knowledge and helpfulness, let their boss know with a quick
email.
Then, digest what you just heard. It’s rare (but possible) to find
an unbiased sales person. So… try to imagine what their agenda is
and weigh this when developing conclusions about what you were just
told about the industry and their product or service.
There really are some truly great and extremely knowledgeable
vendors, suppliers, and operators in our industry. Many of them are
specifically mentioned in our training materials. You’ve got to
learn to reach out to them and LISTEN!
Then, one day when you get that call from the “newbie” or seasoned
micro-lender asking for your help, remember!
Remember to give a little!!
Micro-lending is a profitable and fascinating industry. Now go make some MONEY!
Questions? Comments? Ideas?
Jer@PaydayLoanIndustry.com
Payday Loan Law - South Carolina Payday Loan State Data Base
South Carolina has turned down an appeal protesting its previous decision to award a contract to Veritec Solutions for the establishment of an online database system for tracking payday loans applied for by residents of South Carolina.
The South Carolina chief procurement officer for the Information Technology Management Office, Mike Spicer, denied the protest by the Prism Group and the Tom Sawyer Group. The companies have 10 days to file an appeal.
The two South Carolina companies protested the award to Veritec claiming the award was arbitrary, erroneous, and in violation of state law, along with allegations the award made was not the best for the state of South Carolina.
Veritec already maintains several other payday loan state data bases. They proposed a fee based system that may collect up to $15 million over five years. The Prism Group and Tom Sawyer Company proposed a system that could collect $8 million over the same period.
The payday loan data base system is required under new South Carolina payday lending rules passed earlier this year.
Iowa Payday Loan, Check Casher, Rent to Own, Buy here pay Here Association Forming
ATTENTION all Iowa Check Cashing/Paydayloan, BuyHerePayHere Car Stores, Rent-to Own and PawnStore Operators!!!
Several of us in the industry are banding together to fight proposed regulations which will put many of our stores out of existence. Several legislators in the state of Iowa are proposing new regulations on our industries which will effectively kill many of our businesses. Make no mistake all our industries whether it is PaydayLoans, Check Cashing, Rent-To-Own, Buy Here Pay Here Car Lots, and Pawn Stores will eventually be under attack. It won’t be just the Payday loan industry. Overzealous legislators will be attacking all industries that operate in the sub/near-prime credit world. Your Businesses and the thousands of Jobs and millions in revenue they have created are at risk. Do not leave it up to the “Big Guys,” like Mister Money, Rent-a-Center, Check Into Cash and Advance America to fight it alone they need everyone’s help! The first meeting of the minds will be held on September 23rd in Cedar Rapids Iowa at the Third Base Restaurant at Noon. Here is the address:
Third Base Brewery
500 Blairs Ferry Rd NE
Cedar Rapids, IA 52402
Just west of the intersection of Blairs Ferry Rd NE and C Ave
Hope to see many of you there,
Jamie Smith
jamie.smith@paydaypartners.net
President of PaydayPartners Inc.
Payday Loan, Deferred Deposit and Check Cashing Laws Kentucky
Kentucky Check casher laws change
The laws governing check cashing in Kentucky have changed.
Some pro-visions of House Bill 444 took effect June 25. However, most of the provisions take effect Jan. 1, 2010, as specified in the bill. Changes include legal definitions, rules for licensing, enforcement and company requirements.
The 10-year moratorium on new check cashers began July 1. At this time, Kentucky has around 750 check cashers. While new licenses may not be issued, current licenses are transfer-able or assignable, subject to approval by DFI.
DFI is procuring a database that will be operational by July 1, 2010. With real-time access through an Internet connection, check cashers will be able to verify a customer’s eligibility to make a deferred deposit transaction. The Finance and Administration Cabinet will select a vendor to build the database after soliciting proposals. The request for proposal (RFP) may be accessed at http://eprocurement.ky.gov/.
For more information on the changes brought by HB 444, visit www.kfi.ky.gov/nondepository/hb444.htm.
Payday Loans, Affiliate Programs and Making Big Bucks on the Internet
So… I get a phone call today from some guy in Denver. He tells me his name is Leo. Leo is interested in setting up a web site business to sell payday loan leads and payday loan applications. Leo explains that he really doesn’t have the cash to actually “fund” payday loans at the present time but he does want to enter the payday loan space, get familiar with the payday loan industry, and start off making money by joining a payday loan affiliate program.
What? You don’t know what a payday loan affiliate program is? No problem! Affiliate Marketing is an Internet-based marketing practice in which a business, often called a merchant, rewards their affiliates,
often called partners, for each visitor or customer brought to the business or merchant’s web site by the affiliate’s marketing efforts.
For example, let’s say CashNetUSA, a payday loan funding Internet company has an affiliate program. They are willing to pay those of us having web sites to “feed” visitors from our web site to the CashNetUSA web site. For each web site visitor we send to CashnetUSA.com, we are paid an affiliate commission. The fees we earn as the web site owner can be structured many ways. Typically, for payday loan leads, we might be paid $3 - $9 for each application actually submitted by our web site visitors “fed” to the CashNetUSA web
site. And, if CashNetUSA actually funds the applicant we might be paid an additional $20 - $55 each!
So… if we set up a very basic web site and are capable of sending hundreds or thousands of our web site visitors to the CashNetUSA web site we could earn thousands of dollars every month while we lounge in our underwear!
Did you know that the search term “payday loan” was searched on Google.com more than 1,000,000 times just last month! And that’s just Google.com. Let’s not forget Bing, Yahoo and all the other search engines out there. That’s a LOT of people wanting to get a payday loan last month!
Now, the key to getting paid for all these payday loan customers sent to CashNetUSA’s web site is to be able to accurately track these visitors and their actions! Today, this is easy! And better, it’s FREE! There are companies that can track all this data and transactions for you! And they charge you, the Affiliate Nothing! Zero! Nada! No cost to the affiliate! They get their fees from the CashNetUSA’s of the world; the payday loan funding companies that are willing to pay for payday loan applications so they can fund the payday loans.
By the way, this is a great way to enter the payday loan space
without having to spend thousands of dollars. After all, you don’t
have to immediately begin funding payday loans. And just like insurance
applications or mortgage applications, payday loan applications submitted
by real, live, breathing payday loan customers are extremely valuable!
Think about it!
A typical payday loan customer who applies for and receives 3
payday loans per year for ten years is worth a minimum of $2400.
(Conservatively, a payday loan customer gets 3ea $400 payday loans at
$20/$100 loaned = $80 in fees per loan X 3 times/yr = $240/yr X 10
years = $2400 life time value. Add on late fees, their family and
friend referrals, etc. and each customer is worth $3000 or more!)
So… why wouldn’t a payday loan merchant be happy to pay $55 or
more to you, a web site owner for a good customer? Of course they
would beg you to take their cash! They would see this transaction as
a trade of $55 for $3000 over 10 years! And probably much more since
the new, happy customer you just sent from your web site to the payday
loan merchant has friends and family they will refer; at $3000 per head!
All for a one-time payment to you for $55!
And by the way. If you can learn to do this in the payday loan
industry do you think you could do it in other industries as well?
Maybe loan modifications? Long term care insurance leads? Car loans?
Mortgages? Refi’s? What industry or niche do you currently have
knowledge about? Does this niche need more customers?
HELL YEAH! Who doesn’t need more customers today?
What do you need to get started? KNOWLEDGE! Where can you get it?
Here’s our shameless plug…
Order our Payday Loan Internet Report here:
http://www.paydayloanindustry.com/cash-advance-store.html
Everything you need to know, from choosing a domain name, selecting
a web site hosting company, getting a web site built easily and at
a cost of $0 to $250 depending on how much you’re willing to do yourself,
how to rank well in search engines, how to find a good, free affiliate
program, how to find an affiliate management company to keep your
statistics and make certain you get paid like clockwork every month
for your leads, and MUCH, MUCH MORE!
So, if the thought of making significant money, on automatic pilot
excites you, head over to:
http://www.paydayloanindustry.com/cash-advance-store.html
and invest in yourself and our Payday Loan Internet Report.
It’s all laid out for you!
What our Payday Loan Internet Report does is teach you step-by-step
how to use the Internet to make money in the payday loan niche. We
can set you free from being one of the “clueless mob” of entrepreneurs
and small business owners out there…
… and deliver to you — on a silver platter — the missing link to
finally being one of the few “clued in” Internet marketers…
… for whom Internet money making success is simply the systematic
application of a few obvious steps.
The keywords to consider are: “SIMPLE” “SYSTEM” “OBVIOUS”
One last thought… we don’t want you to think this system requires
no effort on your part. You’re going to have to work! There’s a lot
to learn. Using the Internet to make significant money is certainly
something you can achieve BUT you’ll have to study our material and
DO IT! You’ll have to take action!! This can hurt. You’ll be faced
with making a choice between watching a great movie on your large
screen TV or studying our Report to learn how to drive more payday
loan customers to your new web site to make more money.
Is it worth it to you, all this pain? We think not taking action is
even more painful. Because, if you follow the crowd and continue to
sit back and consume rather than learn to create, you’re going to be
sitting in the same exact spot you are now:
WORKING FOR THE MAN AND HAVING TO GO TO A JOB EVERY DAY FOR THE REST OF YOUR LIFE!
How does this feel? Does it hurt? Do you feel the pain? Do you want
to make it go away? Yes? Then pay the price and change your life! And,
if our system doesn’t grab you, PLEASE find something that does and
take a new path all the way to achieve success for YOU!
Order our Payday Loan Internet Report here:
http://www.paydayloanindustry.com/cash-advance-store.html
SEE YOU AT THE TOP!
Jer@PaydayLoanIndustry.com
The Team at Trihouse Payday Loans
702-889-9555
email us: PaydayGuys@PaydayLoanIndustry.com
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