Subprime Lending KPIs That Tell You If You Are Actually Profitable

Published: Sun, 03/08/26

Updated: Sun, 03/08/26

Most subprime lenders are tracking the wrong scoreboard. Subprime Lending KPIs That Tell You If You Are Actually Profitable TL;DR:Most subprime…

The 36% APR Cap: What Actually Happens When You Pull the Ladder

Published: Tue, 03/03/26

Updated: Tue, 03/03/26

Enough Said! I’m Annoyed 😠! To Critics of Subprime Loans and their APRs: Let’s Ground this Debate in Reality. HOW TO LOAN MONEY TO THE MASSES without…

{{ subscriber.first_name | capitalize }}, Texans: ALECS Is Dead. NMLS Is Your New Reality.

Published: Fri, 02/27/26

Updated: Fri, 02/27/26

ALECS is gone. The Te as OCCC has officially shut down CAB functionality in ALECS. HOW TO LOAN MONEY TO THE MASSES without getting your butt handed to…

Will a Federal Rate Cap Sink (or Save) Your Lending Business?

Published: Fri, 02/13/26

Updated: Fri, 02/13/26

Let’s get real: What would a sweeping 36% federal rate cap mean for payday, installment, car title, and subprime lenders like you? This isn’t just…

The USA wide 'Predatory Lending Elimination Act' Doesn't Eliminate Predatory Lending. It Eliminates Lending.

Published: Wed, 02/11/26

Updated: Wed, 02/11/26

The USA wide 'Predatory Lending Elimination Act' Doesn't Eliminate Predatory Lending. It Eliminates Lending.170 organizations just asked Congress to…

Car Title Lending in 2026: The States Still Printing Margin, and the Operators Getting Left Behind

Published: Fri, 02/06/26

Enough Said! I’m Annoyed 😠! To Critics of Subprime Loans and their APRs: Let’s Ground this Debate in Reality. Car Title Lending in 2026: The States…

EB-5: The Under-the-Radar Capital Source Your Subprime Business Can’t Ignore

Published: Thu, 01/22/26

Updated: Tue, 01/27/26

How Subprime Lending Operators Are Quietly Tapping EB-5 Funds And What's Stopping You?Ever look at your YTD cost of capital and wish you had a richer…

A 10% Credit Card APR Cap Would Be the Best Thing That Ever Happened to Your Lending Business

Published: Tue, 01/20/26

Updated: Thu, 01/22/26

If Washington squeezes pricing power out of revolving credit, banks will not absorb the hit. If Washington squeezes pricing power out of revolving…

The Costliest Mistake Subprime Lenders Make and the Shortcut to Fix It

Published: Thu, 01/15/26

Updated: Thu, 01/15/26

Gain the edge: Keep borrowers coming back. After two decades in lending, I've watched one mistake quietly drain profits from subprime shops: letting…

Installment Loan & Line of Credit Scaling: Not Just Bigger, Smarter, Sharper, and (Actually) Profitable

Published: Tue, 01/06/26

Updated: Tue, 01/06/26

Ever tried to scale your installment or LOC business, only to end up scaling your headaches right along with your portfolio? I just got off the phone…