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

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


“We did lots of material with payday advances,” stated former Area 203 Brittany that is intern Jackson. “this is the primary thing we caused, as well as the biggest company product while I became here.”

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

The firms invoice one another for solutions, similar to any business does having its customers, and even though they truly are owned or managed because of the man that is same Shelley stated.

“all the clients had been referred to as affiliate organizations since it ended up being ownership that is common” Shelley stated.

Brown stated inside the 2005 deposition which he owned a lot more than 20 such organizations, which he myself runs through agreements in place of a conventional ownership framework.

“It’s a shell,” Brown stated within the deposition. “they truly are in certain third-world country that is tax-free we have no idea what type.”

In reality, your website itself claims it is positioned in Canada, though its only real existence in Canada is a cabinet her explanation full of appropriate papers, relating to Brown’s deposition.

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

All of 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 are employed by Brown’s CPS, previous employees stated.


The strategy is a way to an end: Payday revenues are widely used to help missionaries inside their efforts to “save your self souls” international, said Christiansen, the previous Terenine engineer who assisted 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 discovered himself wondering he said whether it was better to “save lives or save souls.

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

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

In reality, the general business’s objective declaration is “to maximise the rise associated with Kingdom by helping the smallest amount of of these, through strategic providing from profitable company,” based on an e-mail gotten from Brown throughout an investigation that is prior.

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

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


Designers route the majority of their pay day loan online traffic through a business in Bermuda called Woody Holdings, masking the area associated with the 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 positioned in Chattanooga,” DeLoach stated.

Often, 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 attorneys, plus they’d provide the OK to route the traffic right to Chattanooga,” Christiansen stated. “when you are pressing $2 million a time, it is just about perhaps not interrupting the quantity.”

Former workers state Brown produces specific businesses in which a business that is typical merely use a individual resources or accounting department, for instance.

Based on the previous employees:

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

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

– ACH Federal, which will be found in the same building as Area 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 benefits handle individual resources and accounting tasks, correspondingly.

– help Seven, found on Brainerd Road with another workplace in Costa Rica, is really 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 while the other people from current divisions at CPS, producing companies that are”affiliate” Terenine President David Carney said in a 2011 meeting because of the days complimentary Press.

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