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


“We did lots of stuff with payday advances,” stated former Area 203 intern Brittany Jackson. “this is the primary thing we worked with, while the biggest company product while I happened to be here.”

Aaron Shelley, previous manager of engagement services for Terenine, stated workers were motivated to utilize the word “affiliate businesses” to explain the different entities owned or managed by Brown.

The firms invoice one another for solutions, as with any business does featuring its clients, and even though they may be owned or managed because of the man that is same Shelley stated.

“all the clients had been known as affiliate organizations as it ended up being typical ownership,” Shelley said.

Brown stated in the 2005 deposition which he owned significantly more than 20 such companies, that he individually runs through agreements in the place of an ownership structure that is traditional.

“It is a shell,” Brown stated within the deposition. “they truly are in certain third-world tax-free nation, we don’t know what type.”

In fact, your website it self states it’s based in Canada, though its only real existence in 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” company based in Nevada, produced in 2001 along side, Brown stated.

A lot of the work occurs inside Brown’s structures on Amnicola Highway and Brainerd Road, where employees basically hired doing advertising, website hosting and marketing for region 203, Terenine and ACH Federal end up employed by Brown’s CPS, former workers stated.


The strategy is an effective way to a finish: Payday revenues are acclimatized to help missionaries within their efforts to “save your self souls” international, said Christiansen, the previous Terenine engineer who aided set up most of the business’s operations.

Christiansen had been lured to Terenine from the medical job at CeloNova Biosciences in 2008, at the same time as he discovered himself wondering whether or not it had been far better to “save life or conserve souls,” he stated.

“Brown myself has debated the good qualities and cons of exactly just what he does, versus of exactly just what he is able to perform with all the cash,” Christiansen stated.

Bulletin panels in the Amnicola Highway building that homes Terenine, ACH Federal and Area 203 are covered with photos of smiling young ones who Brown has aided, and full of postcards from overseas missionaries whom he supports with profits from his payday web web sites, previous workers stated.

In reality, the general organization’s objective declaration is “to maximise the rise associated with the Kingdom by assisting the smallest amount of of the, through strategic offering from lucrative company,” in accordance with an e-mail gotten from Brown throughout a previous research.

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

At that moment, 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 employees to your business.

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


Designers route the greater part of their loan that is payday web through a business in Bermuda called Woody Holdings, masking the positioning regarding the payday operations on Amnicola Highway in Chattanooga, stated Byron DeLoach, previous manager of engineering at Terenine.

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

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

“Whenever a huge storm arrived through Bermuda, they would show the current weather map towards the attorneys, and additionally they’d provide the okay to route the traffic straight to Chattanooga,” Christiansen stated. “When you’re pressing $2 million a time, it is pretty much maybe not interrupting the amount.”

Previous workers state Brown produces specific businesses in which a typical company would just use a human being resources or accounting department, as an example.

In accordance with the employees that are former

– Terenine includes an advanced information focus on Riverside Drive that exists to keep the income moving.

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

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

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

– API Recruiting and Account benefits handle human resources and accounting tasks, respectively.

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

The arrangement arose in 2008 and 2009 whenever attorneys created Terenine, ACH Federal, region 203 therefore the other people from current divisions at CPS, producing companies that are”affiliate” Terenine President David Carney stated in a 2011 meeting with all the days Free Press.

“We actually started being a division within a household of companies a few years ago,” Carney said. “just before 2010, Terenine ended up being a lot more of an IT department that has been focused on delivering services to affiliated companies.”