The Lending Loophole: How to Serve ~54M Customers Banks Can’t Touch

Millions of consumers are locked out of the financial system—unable to borrow, unable to build, unable to move forward. They’re not risks; they’re opportunities. The credit-invisible aren’t invisible at all. They’re everywhere, waiting for a lender who understands them.

This issue, I'll reveal strategies to serve this untapped market—giving them access to the funds they need while driving serious growth for your lending business. The demand is real. The opportunity is yours. Let’s get to work.

FUN FACT: World Acceptance loaned $800,000,000 during their last quarter! World has ~2% market share with ~1200 locations. Enova loaned $1,000,000,000 their last quarter! Enova has ~3% market share!!

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I'm Jer Ayles. I turn capital into high-yield, recession-proof lending businesses. With over two decades in subprime consumer finance, I help serious entrepreneurs and investors launch and scale payday, installment, and title loan enterprises—both storefront and digital. The demand? Massive. The margins? Proven. The strategy? Precision. While banks and credit unions ignore the 60% of Americans living paycheck to paycheck, my clients profitably step in. If you're ready to dominate this space with expert guidance, let's talk.

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Imagine a world where millions of consumers are left out of the financial system, unable to access basic lending services. This is the reality for many credit-invisible individuals. As a lender, you have a unique opportunity to tap into this underserved market and provide solutions that not only meet their needs but also drive your business growth.

In this newsletter, we're exploring innovative strategies to effectively serve credit-invisible consumers, ensuring they have access to the financial resources they need while opening new doors for your lending business.

Understanding the Credit-Invisible Market

Credit-invisible consumers often struggle to access traditional financial services due to a lack of credit history. This segment includes recent immigrants, young adults, and individuals with limited financial interactions. By targeting these groups, you can expand your customer base and foster long-term loyalty.

Strategies to Engage Credit-Invisible Consumers

• Alternative Data Utilization: Use alternative data sources such as utility payments, rental history, and employment records to assess creditworthiness. This approach allows you to make informed lending decisions and offer credit to those traditionally overlooked.
• Financial Education Programs: Implement educational initiatives that teach credit-invisible consumers about managing finances and building credit. Empowering them with knowledge can lead to more responsible borrowing and repayment behavior.
• Customized Loan Products: Develop loan products tailored to the specific needs of credit-invisible consumers, such as small-dollar loans or credit-builder loans. These products can help establish a credit history and pave the way for future financial opportunities.
• Referral Programs That Print Money: The best borrowers know others just like them. A high-performing referral program turns happy customers into your most cost-effective acquisition channel—lowering CAC while scaling your loan portfolio with pre-qualified leads.

Why Now?

With over 54 million credit-invisible consumers in the U.S., the potential for growth in this market is immense. By adopting these strategies, you not only enhance your business but also contribute to financial inclusion, helping individuals achieve greater financial stability.

Ready to take action? Discover how you can transform your lending business by ordering our comprehensive guide, "How to Loan Money to the Masses". This 500-page "bible" offers invaluable insights into starting and scaling a successful loan business. Grab your copy today!

Let's work together to make a difference in the lives of those who need it most.

Jer Ayles on LinkedIn 702-208-6736 

P.S. Don't miss out on the opportunity to lead the charge in serving credit-invisible consumers. Order now and receive a bonus chapter on scaling your business faster than ever!