Brown’s international efforts are not limited by supporting missionaries, nonetheless.

Brown’s international efforts are not limited by supporting missionaries, nonetheless.


“We did lots of stuff with payday advances,” said former Area 203 intern Brittany Jackson. “that is the main thing we caused, while the biggest company product while I became here.”

Aaron Shelley, previous director of engagement solutions for Terenine, stated workers had been motivated to make use of the expression “affiliate organizations” to spell it out the different entities owned or managed by Brown.

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

“all the clients were known as affiliate businesses since it ended up being typical ownership,” Shelley stated.

Brown stated in their 2005 deposition which he owned significantly more than 20 such organizations, that he myself runs through agreements instead of an ownership structure that is traditional.

“It is a shell,” Brown stated when you look at the deposition. “they are in certain third-world tax-free nation, I have no idea what type.”

In reality, the website it self claims it really is situated in Canada, though its only presence that is physical Canada is really a cabinet filled up with appropriate papers, relating to 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 occurs inside Brown’s structures on Amnicola Highway and Brainerd path, where employees fundamentally hired doing advertising, website hosting and marketing 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 accustomed to support missionaries within their efforts to “save yourself souls” international, said Christiansen, the Terenine that is former engineer aided set up most of the business’s operations.

Christiansen had been lured to Terenine from a medical profession at CeloNova Biosciences in 2008, at any given time as he discovered himself wondering whether or not it had been more straightforward to “save life or save your self souls,” he stated.

“Brown actually has debated the good qualities and cons of just what he does, versus of what he is able to do aided by the money,” Christiansen stated.

Bulletin boards during the Amnicola Highway building that homes Terenine, ACH Federal and Area 203 are covered with photos of smiling kiddies who Brown has helped, and filled with postcards from overseas missionaries whom he supports with profits from their payday web sites, previous employees stated.

In reality, the entire organization’s mission declaration is “to maximise the development associated with Kingdom by assisting minimal of the, through strategic offering from profitable company,” in accordance with a message gotten from Brown within a previous investigation.

The target is a mention of strengthening the biblical kingdom of Jesus, stated Terenine main technology officer David Glenn in a mid-2011 meeting.

The company counted Focus on the Family, Precept Ministries and the Dawson McAllister Association among its clients, a gold-plated evangelical client list that Glenn said helped attract like-minded employees to the company at that time.

“We do provide an excellent portion of profits through the business to charity,” Glenn said.


Designers route the majority of their cash advance online traffic through a business in Bermuda called Woody Holdings, masking the place of this payday operations on Amnicola Highway in Chattanooga, stated Byron DeLoach, former manager of engineering at Terenine.

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

Sometimes, but, the ongoing business simply cuts out of the middleman, Christiansen stated.

“Whenever a storm that is big through Bermuda, they would show the current weather map towards the solicitors, and additionally they’d provide the okay to route the traffic straight to Chattanooga,” Christiansen said. “when you are pressing $2 million a this really is nearly maybe not interrupting the quantity. time”

Previous workers state Brown produces specific businesses the place where a typical business would merely use a human being resources or accounting department, for instance.

In accordance with the employees that are former

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

– Area 203 specializes in to generate leads, search engine marketing and analytics for the payday web web sites.

– ACH Federal, which will be found in the exact same building as region 203 and Terenine, handles the debit transactions that both deposit and withdraw cash directly from customers’ bank reports.

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

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

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

The arrangement arose in 2008 and 2009 whenever solicitors created Terenine, ACH Federal, Area 203 and also the other people from current divisions at CPS, producing companies that are”affiliate” Terenine President David Carney stated in a 2011 meeting aided by the instances complimentary Press.

“We actually began as a department within a family group of companies a few years ago,” Carney said. “ahead of 2010, Terenine had been a lot more of an IT department that has been focused on delivering services to affiliated organizations.”

Leave a Reply

Your email address will not be published. Required fields are marked *