Brown’s international efforts are not restricted to supporting missionaries, nonetheless.


“We did plenty of material with pay day loans,” stated former Area 203 Brittany that is intern Jackson. “this is the primary thing we caused, in addition to biggest company product while I became there.”

Aaron Shelley, previous manager of engagement solutions for Terenine, stated workers had been motivated to utilize the word “affiliate organizations” to explain the many entities owned or managed by Brown.

The firms invoice one another for solutions, exactly like any business does featuring its clients, despite the fact that they are owned or managed by the man that is same Shelley stated.

“all the clients had been referred to as affiliate businesses as it had been typical ownership,” Shelley stated.

Brown stated in his 2005 deposition he Ohio payday loan cash advance owned a lot more than 20 such organizations, which he individually runs through agreements instead of an ownership structure that is traditional.

“It is a shell,” Brown stated when you look at the deposition. “they truly are in a few third-world tax-free nation, I’m not sure what type.”

In reality, the website it self states it is positioned in Canada, though its only presence that is physical Canada is a cabinet full of appropriate papers, based on Brown’s deposition.

Perhaps the mothership that is payday Credit Payment Services, is still another “shell” firm based in Nevada, developed in 2001 along side, Brown stated.

All the work happens inside Brown’s structures on Amnicola Highway and Brainerd path, where employees basically hired to do advertising, website hosting and advertising for region 203, Terenine and ACH Federal end up doing work for Brown’s CPS, previous workers stated.


The strategy is a way to a finish: Payday revenues are acclimatized to help missionaries inside their efforts to “save yourself souls” international, said Christiansen, the Terenine that is former engineer aided set up most of the organization’s operations.

Christiansen ended up being lured to Terenine from a medical job at CeloNova Biosciences in 2008, at the same time as he found himself wondering he said whether it was better to “save lives or save souls.

“Brown individually has debated the advantages and cons of exactly what he does, versus of exactly what he is able to perform aided by the cash,” Christiansen stated.

Bulletin panels in the Amnicola Highway building that homes Terenine, ACH Federal and Area 203 are covered with images of smiling kiddies who Brown has assisted, and filled with postcards from overseas missionaries whom he supports with revenues from their payday web web sites, previous workers stated.

In reality, the entire organization’s objective declaration is “to increase the development regarding the Kingdom by assisting the smallest amount of of those, through strategic giving from lucrative business,” based on a contact gotten from Brown during an investigation that is prior.

The target is a mention of strengthening the biblical kingdom of Jesus, stated Terenine primary technology officer David Glenn in an interview that is mid-2011.

In those days, the organization counted concentrate on the Family, Precept Ministries and also the Dawson McAllister Association among its consumers, a gold-plated evangelical customer list that Glenn said helped attract like-minded workers into the business.

“We do provide a percentage that is good of through the business to charity,” Glenn said.


Designers route the majority of their loan that is payday web through an organization in Bermuda called Woody Holdings, masking the positioning of this payday operations on Amnicola Highway in Chattanooga, stated Byron DeLoach, previous director of engineering at Terenine.

“they are doing proceed through Bermuda, nevertheless the servers are actually based in Chattanooga,” DeLoach stated.

Often, nonetheless, the ongoing business simply cuts out of the middleman, Christiansen stated.

“Whenever a large storm arrived through Bermuda, they would show the current weather map into the attorneys, in addition they’d give the okay to route the traffic right to Chattanooga,” Christiansen stated. “when you are pressing $2 million a time, it is nearly maybe not interrupting the quantity.”

Previous workers state Brown produces specific businesses where a business that is typical merely use a person resources or accounting department, as an example.

In line with the previous workers:

– Terenine includes a advanced data focus on Riverside Drive that exists to help keep the amount of money moving.

– Area 203 specializes in to generate leads, seo and analytics for the payday sites.

– ACH Federal, that is found in the exact same building as region 203 and Terenine, handles the debit deals that both deposit and withdraw money straight from customers’ bank reports.

– Scenic City Legal, three kilometers away on Amnicola Highway, handles the business’s appropriate work, such as the legal actions from governments and consumers that are dissatisfied.

– API Recruiting and Account professionals handle individual resources and accounting tasks, respectively.

– help Seven, situated on Brainerd path with another workplace in Costa Rica, is just a call center for loan seekers along with loan collection.

The arrangement arose in 2008 and 2009 whenever solicitors created Terenine, ACH Federal, region 203 in addition to others from current divisions at CPS, creating companies that are”affiliate” Terenine President David Carney stated in a 2011 meeting because of the days complimentary Press.

“We actually began as a department within a household of companies after some duration ago,” Carney said. “ahead of 2010, Terenine ended up being a lot more of an IT department that has been focused on delivering services to affiliated organizations.”