A well-run consumer loan portfolio can easily deliver 400%+ APRs.
We see fees between $15 to $30 per $100 borrowed on two-week terms.
Think about that.
With the expert underwriting and collections processes, you can recover your capital in 14 days and then redeploy it again, and again.
(Example: Charge $15 on a $100 loan for 14 days. Multiply by 26 loan cycles per year = $390 interest on $100. That’s an APR of 390%. If you charge $30, that’s a 780% APR. Real numbers. Real margins.)
Importantly, this strategy does not require you to fund the same borrower repeatedly.
You’re not promoting rollovers or trapping borrowers in a debt cycle.
Instead, once the
initial 14-day loan is repaid, that $100 principal can be lent to a different borrower entirely.
Your capital keeps working, but your exposure to regulatory criticism around ‘endless debt’ or ‘loan stacking’ is neutralized.
This is not theory.
This is real.
Our well-capitalized clients routinely build portfolios generating $50,000+ in monthly fee revenue within 18
months of launching.
(According to Experian and Oliver Wyman, over 50 million American adults fall into the subprime credit category, making this one of the largest underserved financial markets in the country.)
(“There are 50 million subprime adults in America” is well-supported by recent data.
According to a 2022 report by Oliver Wyman, approximately 57 million Americans have credit scores that classify them as subprime, meaning
most lenders wouldn’t offer them credit at standard interest rates.
Additionally, a 2021 Experian study found that nearly 1 in 3 U.S. consumers had a credit score below 670, which is often considered the threshold for subprime classification.
Given these figures, stating that there are 50 million subprime adults in America is a conservative and accurate estimate.)
