Brown’s international efforts are not limited by missionaries that are supporting but.

Brown’s international efforts are not limited by missionaries that are supporting but.


“We did plenty of material with pay day loans,” stated former Area 203 Brittany that is intern Jackson. “that is the primary thing we caused, plus 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 word “affiliate businesses” to spell it out the many entities owned or managed by Brown.

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

“all the clients had been known as affiliate organizations as it ended up being typical ownership,” Shelley stated.

Brown said inside the 2005 deposition he owned significantly more than 20 such companies, that he myself runs through agreements in the place of a old-fashioned ownership framework.

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

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

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

Almost all of 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 employed by Brown’s CPS, previous workers said.


The strategy is an effective way to an end: Payday revenues are accustomed to help missionaries inside their efforts to “save yourself souls” overseas, said Christiansen, the previous Terenine engineer who aided set up a number of the organization’s operations.

Christiansen ended up being lured to Terenine from the medical profession at CeloNova Biosciences in 2008, at any given time as he discovered himself wondering he said whether it was better to “save lives or save souls.

“Brown myself has debated the advantages and cons of exactly just what he does, versus of exactly just what he is in a position to do utilizing the cash,” Christiansen stated.

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

In reality, the general organization’s objective declaration is “to maximise the rise regarding the Kingdom by assisting minimal of those, through strategic offering from lucrative company,” based on an e-mail gotten from Brown during an investigation that is prior.

The target is a mention of strengthening the biblical kingdom of God, stated Terenine main technology officer David Glenn in a mid-2011 meeting.

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 go to this website.

“We do offer a good portion of profits through the business to charity,” Glenn said.


Designers route the majority of his pay day loan website traffic through an organization in Bermuda called Woody Holdings, masking the positioning regarding the payday operations on Amnicola Highway in Chattanooga, stated Byron DeLoach, previous manager of engineering at Terenine.

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

Sometimes, nevertheless, 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 the solicitors, and so they’d supply the okay to route the traffic straight to Chattanooga,” Christiansen stated. “when you are pushing $2 million a time, it is pretty much maybe not interrupting the quantity.”

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

Based on the employees that are former

– 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 sites.

– ACH Federal, that is found in the exact same building as region 203 and Terenine, handles the debit transactions 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 human resources and accounting tasks, correspondingly.

– Support Seven, situated on Brainerd Road 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 solicitors created Terenine, ACH Federal, region 203 therefore the other people from current divisions at CPS, producing “affiliate organizations,” Terenine President David Carney stated in a 2011 meeting aided by the instances complimentary Press.

“We actually began as being 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.”