PDL Capital, LLC began as the ORIGINAL, premier Texas Credit Service Organization and Texas Credit Access Business consultancy firm. We've been involved in Texas since the day the CSO model was created.
With the CFPB cracking down on the industry, we've turned our attention elsewhere. We have a long history in the alternative consumer finance industry, and as both specialty lender and broker. As such, we know who is lending to whom, and at what terms.
If you have need of a home improvement loan and have a FICO score over 730, you have the potential for getting a loan through or with us. The average interest rate is about 12%.
If you have need of an RV, motorcycle, trailer, or boat loan, you have the potential for getting a loan through or with us. The average interest rate is 14%.
If you need a commercial loan and have cash flow, or need an asset-based loan, or a secured mezzanine loan, you have the potential for getting a loan through or with us. Asset-based loans average 5.5%. Secured commercial loans average 9.5%. Secured mezz loans average 13.6%.
Some of our partners will also make equity investments, or take equity warrants as part of loan deals.
Of course, we still offer Texas CSO and Texas CAB consultation.
We began as a third party lender for Texas CSOs. We then added financing for payday loan and other alternative consumer finance stores to our platform. Today, we have partnered with several private equity firms and other lenders that provide specialty finance. If you have need of a consumer or commercial loan, or are seeking an equity investment, we'd like to hear from you. We and our partners are making equity and debt investments in this sector and in others.
The ORIGINAL Texas CSO/CAB Consultant