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


“We did a lot of material with payday advances,” stated former Area 203 Brittany that is intern Jackson. “that is the primary thing we caused, plus the biggest business product while I became here.”

Aaron Shelley, previous director of engagement solutions for Terenine, stated workers had been encouraged to utilize the definition of “affiliate businesses” to explain the various entities owned or managed by Brown.

The firms invoice one another for solutions, as with any business does using its clients, despite the fact that they truly are owned or managed because of the same guy, Shelley said.

“all the customers were known as affiliate organizations given that it had been ownership that is common” Shelley stated.

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

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

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

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

Almost all of the work takes place inside Brown’s structures on Amnicola Highway and Brainerd Road, 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 an end: Payday revenues are acclimatized to help missionaries inside their efforts to “save your self souls” overseas, 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 the medical career at CeloNova Biosciences in 2008, at any given time when he discovered himself wondering whether it had been easier to “save life or save yourself souls,” he stated.

“Brown myself has debated the advantages and cons of what he does, versus of just just what he is able to perform utilizing 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 kids who Brown has aided, and full of postcards from overseas missionaries whom he supports with revenues from their payday web sites, previous employees stated.

In reality, the entire business’s objective statement is “to optimize the development of this Kingdom by assisting the smallest amount of of those, through strategic offering from lucrative company,” in accordance with a contact gotten from Brown throughout a previous research.

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

At that moment, the organization counted concentrate on the Family, Precept Ministries plus the Dawson McAllister Association among its consumers, a gold-plated evangelical client list that Glenn said helped attract like-minded workers into the business.

“We do offer a good 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 area associated with 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 actually positioned in Chattanooga,” DeLoach stated.

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

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

Previous employees state Brown produces specific businesses in which a typical company would just use a peoples resources or accounting department, for instance.

Based on the previous workers:

– Terenine features a state-of-the-art information focus on Riverside Drive that exists to keep the amount of money flowing.

– Area 203 specializes in 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 straight 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, correspondingly.

– help Seven, found 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 attorneys created Terenine, ACH Federal, region 203 therefore the other people from current divisions at CPS, producing “affiliate businesses,” Terenine President David Carney stated in a 2011 meeting with all the instances complimentary Press.

“We actually began as a division within a household of organizations a few years 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 companies.”