There is a strategic smokescreen in place obfuscating the true relationship between Think Finance and Plain Green Loans, said Radek Jagielski, rcbc bankard cash advance limit senior analyst at PrivCo, a provider of financial data on privately held companies. Jagielski researched the companies at HuffPosts request. According to the agreement submitted as an exhibit in tribal court and a former Plain Green executive, Think Finance provided everything the tribe needed to start the online lending business: a portfolio of Think Finance customers from its old rent-a-bank operation, underwriting software, payment processing, marketing, an offshore loan buyer and legal representation.
Plain Green offers small loans of between 250 and 1,000 for first-time borrowers. Returning customers are eligible for loans up to 3,000. The agreement between the tribe and the company explains how when a customer logs on to Plain Greens website and applies for a loan, Think Finance's software processes the customers information, evaluates whether to make the loan and calculates fees.
According to a 2011 flow chart created by Think Finance, Plain Green pays TC Decision Sciences, which Think Finance has said in federal court filings is one of its entities, 50 for each approved and funded loan. A former Plain Green executive and member of the Chippewa Cree tribe who requested 50k personal loan offer due to fears of retribution told HuffPost that at the end 50k personal loan offer each day, a Plain Green officer signed off on all the loans approved by Think Finances software.
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