Business Valuations for Lenders: Payday Loans, Car Title Loans, Installment Loans... - How to Start a Consumer Loan BusinessHow to Start a Consumer Loan Business

At Trihouse Consulting, Expert Consumer Loan Valuations Determine the Precise Fair Market Value of Your Business

A business valuation for a payday lending, car title lending, or installment lending business by Trihouse Consulting will determine the fair market value of any business-to-consumer [B2C] loan company. Estimating the fair value is a nuanced procedure.

Establishing the actual worth of your lending business is critically important. The valuation process, especially for the consumer loan industry, is challenging. It’s a highly regulated industry requiring intimate knowledge of the loan business environment on a national and state level. The process is not something artificial intelligence [AI] can calculate with a standard formula. After decades of experience, Trihouse Consulting has the practical knowledge necessary to estimate the value of any consumer loan business.

Before we proceed, and while we’re on the topic of acquisitions and investments, does anyone want to purchase a Georgia Pawn shop? Owner retiring; Baby Boomer lacking a family to take over the 25 year business. [A common situation!] Let me know!

Want to invest in a BHPH operation?

Do you have car title loan portfolios for sale?

4 locations offering title loans and installment loans both online and storefront?

10 locations offering title loans and installment loans both online and storefront?

35+ operation offering title loans and installment loans both online and storefront?

A $2MM+ portfolio backed 100% by a CD earning 10% to 12% annually?

What Is A B2C Loan Business Valuation?

A consumer loan business valuation is the process of determining the economic value of a business or business unit. What’s the company worth to a buyer and seller lacking undue, stressful motivation?

Generally [WE EMPHASIZE “GENERALLY!], a <$1,000,000 consumer loan store is a multiple of SDE [seller’s discretionary earnings.] >$1,000,000 is typically a multiple of EBITDA.

A business valuation to unearth the fair market value is necessary for many situations.

Conducting a consumer loan business valuation to determine the value is essential when selling, buying, or closing a business. It can be a mind-numbing calculation EXCEPT to us! We get excited! We get pumped! To us, a valuation project is structured, disciplined, and exhilarating! Multiple valuation calculations exist for valuing a consumer loan business.

How Does the Trihouse Consulting Valuation Process Work?

Because Trihouse Consulting facilitates consumer lending business acquisitions and mergers, business valuation is in our wheelhouse.

Trihouse Consulting expert appraisers focus on determining the fair market value of a consumer loan business. Our valuation process entails an in-depth analysis of your lending data, fundamental market analysis, geographic area [state], business model [online, storefront, blended], loan products & resulting margins [payday loans, car title loans, installment loans], and more. In addition to determining fair value, Trihouse Consulting helps identify favorable merger and acquisition opportunities to scale your business goals.

When Will You Need A Consumer Lending Business Valuation?

Lenders offering payday loans, car title loans, installment loans & line-of-credit loans need a valuation in multiple scenarios.

[BULLETS] These include:

Partnership dissolution
Estate issues
Retirement planning
Divorce proceedings
Family disputes
General asset management
Acquisitions
Legal circumstances
Other cases include ownership changes, merger and acquisition opportunities, and banking credibility evaluations. Also, an objective assessment, establishing fair market value, helps with tax reporting.

The Business of Lending to the Masses Achilles Heel Is A Lack Of Understanding Of Financial Metrics

As an intelligent “lender to the masses,” it is time to stop running your business with your eyes closed. Knowing the worth of your business and how well it performs is enlightening in a life-changing way.

Unfortunately, this is not the consumer loan industry norm. There is an overwhelming lack of knowledge regarding actual loan performance. The majority of lenders operate in a vacuum. They fail to build a network of peers with whom they can share strategies and tactics. A few rely on industry trade shows and conferences. Trust us! You’ll learn more in the hotel bar than sitting in a conference room listening to the lawyers and vendors attempting to sell you their wares!!

Enter The Consumer Lending Industry With Decades Of Experience

Are you thinking about becoming a lender to the masses? The subprime? B2C lending? Do you want to participate and enjoy the > 100%, 200%, 300%, and higher APR loans typical of our industry? Trihouse Consulting will help you identify opportunities in the “business of lending to the masses.” With our assistance, start your path to subprime lending with a sophisticated, advanced understanding of key metrics and financial analytics.

Trihouse Consulting has the network and connections to deliver profitable investments, acquisitions, and know-how to enable you to avoid typical start-up and acquisition pitfalls.

Benefit From Data-Backed Determinations Only Trihouse Consulting Can Provide

Having entered the business of lending to the subprime in 1998 as lenders ourselves, Trihouse Consulting has an intimate understanding of the analytics, key performance indicators, vendors, and platforms that serve our industry.

Customer acquisition, onboarding, underwriting, funding, collecting employee hires… we know the ropes!

Partnering with Trihouse Consulting means you can acquire the seemingly unattainable data analytics competencies you need to succeed and scale. No need for you to make rookie mistakes! [We already made them over the years!]

In short, Trihouse Consulting stands atop a mountain of priceless data from twenty-plus years of collecting detailed lending industry data affording Trihouse Consulting unique abilities and insights. Specifically, we understand past and present industry trends. As a result, we’ve developed data-backed strategies and tactics for clients based on tens of thousands of informed data decisions generated in forty states and ten-plus countries via our loan portfolios, the portfolios of the clients for whom we’ve consulted, and our network of 8,000+ readers of our free monthly Newsletter.

Trihouse Consulting provides expert B2C consumer loan business valuations. Ready to explore with us? Contact us [Jer@TrihouseConsulting@gmail.com] to get started today.

Ready to Enter the Business of Lending to the Masses? Payday loans, car title loans, installment loans… We thoroughly discuss all these loan products. Launch your lending business or improve your existing operation!