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 material with pay day loans,” stated former Area 203 intern Brittany Jackson. “that is the primary thing I caused, while the biggest business product while I happened to be there.”

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

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

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

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

In fact, your website it self states it is based in Canada, though its only real existence in Canada is really a cabinet full of legal documents, relating to Brown’s deposition.

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

Almost all of the work occurs inside Brown’s structures on Amnicola Highway and Brainerd path, where employees fundamentally hired to do 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 acclimatized to help missionaries within their efforts to “conserve souls” international, said Christiansen, the Terenine that is former engineer assisted set up most of the business’s operations.

Christiansen ended up being lured to Terenine from the 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 professionals and cons of exactly exactly exactly what he does, versus of just exactly just what he is in a position to do aided by the cash,” Christiansen stated.

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

In reality, the overall business’s objective declaration is “to optimize the development of this Kingdom by assisting minimal among these, through strategic providing from lucrative company,” in accordance with a message 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 a mid-2011 meeting.

During those times, the business counted concentrate on the Family, Precept Ministries therefore the Dawson McAllister Association among its consumers, a gold-plated evangelical customer list that Glenn said helped attract like-minded workers towards the company.

“We do offer a percentage that is good of through the company to charity,” Glenn said.


Designers route the majority of their loan that is payday web through an organization in Bermuda called Woody Holdings, masking the positioning for 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 based in Chattanooga,” DeLoach stated.

Often, nonetheless, 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 lawyers, plus they’d supply the okay to route the traffic right to Chattanooga,” Christiansen stated. “when you are pushing $2 million a time, it is nearly maybe not interrupting the quantity.”

Previous workers state Brown produces specific businesses where a business that is typical site hyperlink just use a person resources or accounting department, as an example.

Based on the employees that are former

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

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

– ACH Federal, that is found in the exact same building as region 203 and Terenine, handles the debit deals that both deposit and withdraw money straight from customers’ bank records.

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

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

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

The arrangement arose in 2008 and 2009 when attorneys created Terenine, ACH Federal, region 203 additionally the other people from current departments at CPS, producing “affiliate organizations,” Terenine President David Carney stated in a 2011 meeting because of the days complimentary Press.

“We really began as a division within a household 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.”