Payday Loans

Car Title Loans

Installment Loans

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How to make money with payday loan, car title loan and installment loans.

5 Courses Available for Car Title and Payday Loan Lending:

Course #1: “How to Start a Payday Loan Business.”

PDL-3D-Version-2-200X271Still trying to figure this out? Need help with licensing? What loan management software to use? Capital required? Profitability?

Why purchase a payday loan franchise typically costing $45,000 to $85,000 cash plus 6% to 8% of your monthly gross sales when our 400+ page “Payday Loan Startup & Training Bible,” (including sample contracts, forms, disclosures, letters, marketing materials, and more) answers ALL your questions . Stop spending hours and hours of your time “Googling” and invest in our “Bible.” Allow the years of experience we’ve gained in our stores and in our consulting practice to teach you EVERYTHING you need to know.

Who is this “PDL Bible” for? Business entrepreneurs, new PDL entrants, experienced players looking for creative ideas, vendors, lawyers and accountants serving the payday loan space, academics, investors and hedge fund management – virtually anyone with a need for in-depth knowledge and access to the economic metrics of a payday loan internet or brick-n-mortar enterprise.

Starting and operating a payday loan store or Internet business is not rocket science but there are issues such as licensing, disclosure, annual percentage rate (APR) calculations, advertising, tactics and strategies, software solutions and much more that have a significant impact on your likelihood of success and your profitability.

Click here for more information and Course #1 Table of Contents!

Course #2: Powerhouse Payday Loan Operator’s Manual

Powerhouse-Payday-Loan-Operator-Course-V2For EXPERIENCED payday loan store owners ONLY!  Strategies and tactics you can use to increase your storefront payday loan business.

PROFIT from my mistakes, experience, and hard won wisdom. I guarantee my “Payday Loan Operator Course” will RESULT in increased revenues, reduced losses, and grant you many peaceful nights.

This information is the real deal with nothing held back. Marketing, underwriting, collections, employee relations, THEFT prevention, bad debt… It’s all in my Payday Loan Course. I’m blunt! I’m straight! I share all my blunders and my successes! And sometimes, it’s not pretty!

My Powerhouse Course offer killer strategies for payday owners to grow their business through MEASURED marketing. You will learn how the “tricks” the Online payday loan lenders employ can benefit your payday loan operation.

You’ll discover how to attract more ideal customers and clients, get them to come back more often, have them spending more on each visit and send you more referrals than you ever thought possible. AND, I’m going to teach you…

Click here for more information & Course #2 Table of Contents!

Course #3: How to Start a Car Title Loan Business 


Car title loans. What are they? How do they work? Are they profitable? Can YOU make money as an owner of a car title loan company?

Car title lenders make money by lending 30% – 60% of the “low book value” of a consumer’s car against the title or “pink slip.” Car title lenders typically charge 8% t0 20%+ in interest per month on the amount borrowed.

For example, a California borrower who owns her car visits our title loan store or website. This car is worth $5000 in a “fire sale.” We would loan $2500 to her at 18% per month. For this example, let’s assume she makes 4 monthly interest payments. That’s $450 per month X four months = $1800 in fees. She then pays us back our $2500. We issue a lien release on her car and return her title to her. Should she fail to make her payments, in the most egregious case, we pickup the phone and call our licensed, bonded repo company.  Within a few days, they “find” her car with LPR technology, and tow it to the nearest auction where it’s cleaned up and sold.  We get a check from the auction, deduct our $2500 loan balance, the repo fee, late charges… and mail her a check with any balance.

Click here for more information & Course #3 Table of Contents


Course #4: Powerhouse Car Title Loan Operator’s Course 

 This course gets you up and running while most importantly focuses on IMPROVING your car title loan business. If you’re already in the car title business, you’ll find exciting marketing ideas, and operational systems that will take you to the next level. 

Course objective: To share proven strategies for success in scaling opportunities in the car title loan space.

How to start or improve your car title loan. I’m going to teach you… Click here for MORE INFO

Course #5: How to Get Top Dollar for Your Business

How to Get Top Dollar for Your Business.How to get top dollar for your business

Over a 25 year career, I’ve developed a PROVEN, and comprehensive step by step system, to prepare YOUR business to sell. “HOW to get TOP Dollar for your Business” is a course created to walk you through simple, step-by-step changes that don’t cost much money, but will transform your operations, and make your business attractive to the ideal BUYER.  Most of the examples and topics within this course are related to the Payday Loan industry, Auto-title and sub-prime businesses.

With this course, you’ll be able to offer a business with REAL value, get TOP DOLLAR, and make a transition easy, and painless for you and your buyer. And after the deal closes, everybody will be friends, and you won’t have to worry about a lawsuit.

Because, I’m not going to teach you to hide the bodies, or put lipstick on the pig. That’s being sneaky and dishonest. This course is about making small changes that turn your business into a well oiled machine that operates with minimal effort from the new owners.

I’ll show you how to find the BEST buyer, that’s EAGER to pay you MORE than you expected.

I’ll show you 11 KEY points that BOOST the value of your business, and make it easy to sell.

I’ll show you Click to Read More


Small dollar loan operator? Payday Loans? Car Title Loans? Installment loans? How do you get started? How do you improve your existing lending business?

Our Manuals & Courses offer insights and answers to all these questions and issues!

These are some basic questions you should be asking yourself. Think of this as a “Self Audit.” It’s just the beginning…

  • What is your primary product/service?
  • How many clients do you serve per week?  Month?
  • How many NEW customers per week?
  • What is the $$ Range of your services and products?
  • How many clients have you served since establishing your business?


  • How long have you been in business?
  • Does your Database contain a list of active and inactive customers?
  • Does your average customer come back after the first purchase?
  • How have you built your business most successfully? In other words, what do you think has worked best for you in the past? In regards:
  • Building your customer transaction volume?


  • Re-marketing to previous customers?
  • Minimizing your fixed and variable costs of doing business?
  • Minimizing defaults? Note that too low a default rate can be just as injurious to your lending business as too high.
  • Who is your competition? Do you regularly “mystery shop” them? By phone and face-to-face?
  • How does your competition get customers?


  • Do you have a website? If not, GET ONE! (Even a basic WordPress website works great.) How does your website look on your customer’s phone?
  • Do you have a Google Places listing claimed? Twitter, Facebook, Pinterest, Yelp… whatever the newest flavor is?
  • What organizations do your customers belong to?
  • What demographic sub-categories do your customers come from?
  • What other businesses do they patronize?


  • How much can you afford to spend on marketing over the next 90 days?
  • Percent of net revenue?
  • Percent of gross sales?
  • Of the clients you have, where do most of them originate from?
  • How much more business could you comfortably handle without hiring more staff?
  • How much of your current business comes from referrals?


  • Have you ever given away free samples of your product/service? Discounts? Coupons? $20 off… Free 1st time…
  • How big is the market area you serve? Households? Head-count?
  • What is the average income your typical client?
  • Do most of your clients own a home or rent?
  • After a new customer buys the first time, do you have a follow-up procedure of any kind?


  • Are you price competitive? (Again, “mystery shopping…”)
  • How often do you communicate with your customers? Do you have a list you can text, email, Tweet…
  • How much did you spend last year on advertising?
  • How much do you gross for every $100 spent on advertising?
  • What is the life-time value of your customer?


  • Do you have any special incentives for multiple purchases?
  • Do you regularly solicit customers to return?
  • How large is your staff? Divide this by your monthly transaction count. What’s the ratio?
  • What kind of product/service guarantees can/do you offer? Your competition?
  • Have you reached out to complementary businesses for cross-marketing? (For small dollar lenders: car repair, tire replacement, auto rental, transmission shops…) Businesses that want you to enable their customers to access $$ and pay the bill)


  • Describe the result your product/service achieves for your clients.
  • Regarding your competition, how much market share do you get?
  • What professional organizations do you belong to?
  • How much information do you have on your product? How well do you really know your lending product?
  • What advantages do you perceive you have over the competition?


  • Why should the client buy from you?  What makes you special >  better?
  • Does your (LMS) Loan Management System provide you with the answers to any of these questions? If not, DUMP IT!


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Here’s a few compliments made by entrepreneurs who have invested in our Payday Loan University Courses. This is by no means all of them. In addition, our Founders has been referenced as industry experts by The Wall Street Journal, Bloomberg, The New York Times and many, many more.

The “Manual” is great for information and to get your started. Most of all, you have a direct line for information. Money well spent. Thank you! Ken W.

…and this:

I have received all the files now. FYI: The Manual has been an outstanding informational read. Worth every dollar! Thanks again, Ryan O.’.