Brown’s international efforts are not limited by missionaries that are supporting 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 device while I happened to be here.”

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

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

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

Brown said in their 2005 deposition which he owned significantly more than 20 such organizations, which he individually operates through agreements in the place of an ownership structure that is traditional.

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

In reality, your website it self claims it is situated in Canada, though its only presence that is physical Canada is a cabinet filled up with appropriate papers, in accordance with Brown’s deposition.

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

All of the work takes place inside Brown’s structures on Amnicola Highway and Brainerd path, where employees ostensibly hired doing advertising, hosting and marketing for region 203, Terenine and ACH Federal are employed by 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 “conserve 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 actually has debated the professionals and cons of exactly exactly what he does, versus of what he is in a position to do using the cash,” Christiansen said.

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

In reality, the entire business’s objective declaration is “to maximise the development of this Kingdom by assisting the smallest amount of of these, through strategic providing from lucrative company,” based on a contact gotten from Brown during an investigation that is prior.

The goal is a mention of strengthening the biblical kingdom of Jesus, stated Terenine main 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 offer a percentage that is good of through the business to charity,” Glenn said.


Designers payday loan stores in Loves Park Illinois route the majority of their pay day loan online traffic through an organization in Bermuda called Woody Holdings, masking the area of this payday operations on Amnicola Highway in Chattanooga, said 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, but, 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 to your attorneys, in addition they’d provide the OK to route the traffic straight to Chattanooga,” Christiansen stated. “when you are pressing $2 million a time, this really is pretty much perhaps not interrupting the amount.”

Former workers say Brown produces specific businesses the place where a typical company would merely use a human being resources or accounting department, for example.

In line 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 specializes that are 203 to generate leads, seo and analytics for the payday sites.

– ACH Federal, that will be located in the building that is same region 203 and Terenine, handles the debit deals that both deposit and withdraw cash straight from customers’ bank records.

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

– API Recruiting and Account professionals 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 additionally the other people from current divisions at CPS, producing companies that are”affiliate” Terenine President David Carney stated in a 2011 meeting utilizing the days complimentary Press.

“We actually began as 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 companies.”