Most people who call me are about to make an expensive mistake. They just don't know it yet.
I've spent 20+ years building, running, fixing, and selling subprime consumer lending businesses.
Payday.
Car title.
Installment.
Texas CAB/CSO.
Native American tribal lending collaborations.
Storefront and online.
I built one from a startup to 15 locations, took it online across four states, and exited to private equity.
I didn't read about this industry. I bled in it.
Since then I've advised more than 200 founders, lenders, investors, and vendors.
The Wall Street Journal, Bloomberg, The New York Times, and The Washington Post call me when they need someone in this industry who'll tell the truth instead of a press-release version of it.
People in the space have called me "the first guy to talk to." That reputation took two decades to earn and I don't intend to spend it being polite to bad ideas.
Call me if you're:
Starting a payday, installment, car-title, or consumer-lending company and don't want to find the landmines the expensive way.
Running a storefront or online lender that's stalled, bleeding, or ready to scale, and you need someone who's seen the back office, not just the pitch deck.
Looking at the Texas CAB/CSO strategy and want it to run right the first time.
Considering tribal lending collaborations and need real diligence, real structure, and introductions that actually open doors.
A vendor, software provider, payment partner, bank, or capital source trying to get in front of operators who are actually buying.
Sitting on a deal, an acquisition, or a portfolio and need someone to pressure-test the numbers before you wire the money.
When the fit is right, I also make strategic introductions. Vendors. Banks. Capital. Attorneys. Tribal partners.
Operators who've already solved the problem you're staring at.
I don't hand these out for free on a $5 call. I hand them out when I know you're serious and you've done the work to deserve them.
I will not work with:
Consumers looking for a personal loan. People looking for legal advice (I'm not your attorney; I help you frame the right questions for one). Get-rich-quick dreamers. Anyone trying to find a clever way around the law.
If that's you, save your money and mine.
I don't sell fantasies. I sell pressure-tested truth, with the consequences attached.
The math either works or it doesn't, and I'll tell you which before you find out the hard way.
Book the call. Bring your numbers. Pressure-test the plan, map the launch, fix what's broken, or find out if your next move actually makes sense before you spend another dollar finding out yourself.
