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

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


“We did lots of stuff with payday advances,” stated former Area 203 intern Brittany Jackson. “that is the primary thing we worked with, additionally 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 utilize the definition of “affiliate companies” to explain the many entities owned or managed by Brown.

The firms invoice one another for solutions, exactly like any company does featuring its clients, despite the fact that they are owned or managed by the man that is same Shelley stated.

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

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

“It really is a shell,” Brown stated into the deposition. “they truly are in certain third-world country that is tax-free I’m not sure what type.”

In reality, the website it self states it really is situated in Canada, though its only physical presence in Canada is a cabinet filled up with appropriate documents, relating to Brown’s deposition.

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

All the work takes place 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 end up doing work for Brown’s CPS, previous workers stated.


The strategy is an effective way to an end: Payday revenues are acclimatized to help missionaries inside 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 ended up being lured to Terenine from the medical career at CeloNova Biosciences in 2008, at the same time as he discovered himself wondering whether it ended up being simpler to “save everyday lives or save your self souls,” he stated.

“Brown actually has debated the good qualities and cons of just just exactly what he does, versus of exactly just what he is able to perform utilizing 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 whom Brown has aided, and full of postcards from overseas missionaries whom he supports with profits from his payday web sites, former workers stated.

In reality, the entire business’s objective declaration is “to optimize the development of this Kingdom by assisting the smallest amount of of these, through strategic offering from lucrative company,” in accordance with a message gotten from Brown throughout an investigation that is prior.

The target is a mention of 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 greater part of their loan that is payday web through an organization in Bermuda called Woody Holdings, masking the place associated with payday operations on Amnicola Highway in Chattanooga, said Byron DeLoach, previous manager of engineering at Terenine.

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

Often, but, the ongoing 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 lawyers, and so they’d supply the okay to route the traffic straight to Chattanooga,” Christiansen stated. “when you are pressing $2 million a this really is pretty much maybe not interrupting the quantity. time”

Former workers say Brown produces individual businesses in which a business that is typical just use a person resources or accounting department, as an example.

In line with the previous workers:

– Terenine features a advanced information focus on Riverside Drive that exists to help keep the amount of money moving.

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

– ACH Federal, that is found in the building that is same 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, like the legal actions from governments and dissatisfied customers.

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

– help Seven, found on Brainerd path with another workplace in Costa Rica, is just 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 in addition to other people from current divisions at CPS, producing companies that are”affiliate” Terenine President David Carney said in a 2011 meeting utilizing the occasions complimentary Press.

“We really 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 organizations.”