Jer Ayles | Jer’s Brain
Subprime Lending Intelligence On Demand
ASK JER'S BRAIN
Nearly three decades of subprime lending experience, operator knowledge, regulatory intelligence, mistakes, wins, numbers, strategies, and scar tissue.
Available when you need an answer.
8 questions every month. free
No credit card. No sales call. No appointment.
PAYDAY • CAR TITLE • INSTALLMENT • TEXAS CAB • STOREFRONT • ONLINE • UNDERWRITING • COLLECTIONS • COMPLIANCE • MARKETING • TECHNOLOGY • OPERATIONS
TRY JER’S BRAIN
DON’T READ
ABOUT IT.
ASK IT SOMETHING.
You came here because you have a question about the subprime lending business.
Ask it.
8 questions every month. Free.
No credit card. No appointment. No sales pitch.
Don’t just accept the answer. Challenge Jer’s Brain. Ask a follow-up. Make it defend its thinking.
WHAT JER'S BRAIN KNOWS
THE BUSINESS OF LENDING MONEY TO STRANGERS
From the 1st lead you buy to the last dollar you collect
01
UNDERWRITING & RISK
Who should you lend to, how much, and what are you missing?
Credit policy, bank data, income verification, fraud signals, first-payment defaults, loan sizing and approval strategy.
02
DEFAULTS & COLLECTIONS
“Defaults are up” is not a diagnosis.
Borrower quality, underwriting leaks, first-payment defaults, payment behavior, collections execution, settlements and recovery.
03
STOREFRONT OPERATIONS
What should a good lending store actually look like?
KPIs, staffing, manager performance, customer flow, follow-up, productivity, employee training, incentives and execution.
04
ONLINE LENDING
The website is the storefront. The economics still have to work.
Application funnels, lead sources, conversion, verification, underwriting, acquisition cost, funding rates, defaults and portfolio performance.
05
MARKETING & LEAD ECONOMICS
More applications do not automatically mean more profit.
Lead pricing, conversion, cost per funded loan, channel quality, affiliates, Google Business Profiles and demand quality.
06
COMPLIANCE & REGULATORY
What changed, and what does it mean Monday morning?
State rules, federal developments, enforcement, licensing, implementation and better questions for counsel.
07
TECHNOLOGY & VENDORS
Does the shiny new tool actually improve the P&L?
Loan systems, verification, payments, fraud tools, collections technology, AI, automation, vendor selection and implementation.
08
GROWTH & STRATEGY
Before you open it, buy it, fund it or sign it, pressure-test it.
New states, new products, acquisitions, portfolio economics, competitive positioning, partnerships and expansion.
Don’t see your question here? Good.
Jer’s Brain wasn’t built around eight menu choices.
It was built around the questions people actually ask when money is on the line.
8 free questions every month.
Jer Ayles
Subprime lender, operator, consultant and problem-solver.
WHY JER'S BRAIN
IT DIDN'T LEARN LENDING FROM A PROMPT.
Jer’s Brain is built around nearly three decades of experience in payday, car title, installment, storefront and online lending.
It combines Jer’s operating experience with a subprime-focused knowledge base that is continuously updated with regulatory developments, market intelligence, credit trends, technology, vendor developments and industry research.
EXPERIENCE
Built from the operator side of the desk.
Underwriting, collections, marketing, storefronts, online lending, vendors, compliance and profitability.
CURRENT INTELLIGENCE
The knowledge base does not sit still.
New regulations, enforcement, lawsuits, credit trends, technology and market changes are continually added.
NO FAKE CERTAINTY
Sometimes the right answer is: “I need more information.”
If state, product, numbers or current law matter, Jer’s Brain asks before pretending it knows.
talk to the human jer
Jer charges $300 an hour for direct consulting access.
OR START WITH JER'S BRAIN
8 questions every month. Free.
No credit card. No appointment.
FOUNDING MEMBER PRICING
8 SPOTS LEFT.
UNLIMITED ACCESS TO JER’S BRAIN.
$15/MONTH. FOR LIFE.
Only 8 of 10 Founder memberships remain.
The first 10 members of Jer’s Brain lock in Founder’s pricing.
The next 8 lock in unlimited access at $15 per month for as long as their membership remains active.
When those eight memberships are gone, so is the $15 price.
Future regular price:
$99/month
Cancel anytime.
BEFORE YOU ASK
A FEW THINGS WORTH KNOWING.
Jer’s Brain is built to help you think through real subprime lending questions quickly.
Give it the state, product, numbers and facts when they matter. Better input produces better answers.
8 free questions every month.
Unlimited questions every month
What can I ask Jer’s Brain?
Ask about payday, car title, installment, storefront and online lending, underwriting, defaults, collections, marketing, lead economics, compliance implementation, technology, vendors, acquisitions, expansion, operations and strategy.
If the state, lending product or numbers matter, include them.
How do the 8 free questions work?
You can ask Jer’s Brain up to 8 questions each month at no charge.
No credit card. No appointment. No sales call.
What does Founder’s Club unlimited access include?
Founder’s Club removes the 8-question monthly limit while your membership remains active.
The next 8 Founder members lock in the $15-per-month price for as long as their membership remains active.
Is Jer’s Brain giving me legal advice?
No. Jer’s Brain provides business intelligence, research assistance, education and an operator’s perspective.
When a decision depends on current law, regulation, licensing or jurisdiction-specific requirements, verify it with qualified counsel.
How current is Jer’s Brain?
The subprime lending knowledge base is continuously updated with regulatory developments, enforcement, litigation, credit trends, technology, vendors, market intelligence and industry research.
What happens if Jer’s Brain doesn’t know?
It will say so.
If more information is needed, it should ask for it rather than manufacture certainty.
Can I cancel Founder’s Club?
Yes. Cancel anytime.
Founder pricing remains locked at $15 per month while your membership remains active.