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MicroFinancial Incorporated, through its wholly owned subsidiaries, provides leasing and financing services through vendors to small businesses in the United States. It leases and rents microticket equipment, as well as provides other financing services. The company primarily leases point of sale authorization systems. It also leases various other equipment, including advertising and display equipment, coffee machines, paging systems, water coolers, and restaurant equipment. In addition, the company acquires service contracts and contracts in certain other financing markets. MicroFinancial's residential financings include acquiring service contracts from dealers that primarily provide security monitoring services. The company provides financing to obligors under microticket leases, contracts, and loans through a network of independent dealers and sales organizations, as well as through the Internet. MicroFinancial was formed in 1987 and was formerly known as Boyle Leasing Technologies. The company is headquartered in Woburn, Massachusetts.


Alliance Data Systems Corporation and its subsidiaries provide transaction services, credit services, and marketing services in North America. The company facilitates and manages transactions between its clients and their customers through multiple distribution channels, including instore, catalog, and the Internet. Its transaction services include card processing, billing and payment processing, and customer care for specialty and petroleum retailers; customer information system hosting, customer care, and billing and payment processing for regulated and deregulated utilities; and point-of-sale services and merchant bankcard services. The company's credit services include provision of private label receivables financing, including underwriting and risk management, merchant processing, and receivables funding. Its marketing services include loyalty programs, such as the coalition loyalty, one-to-one loyalty, and database marketing services. The company serves specialty retailers, petroleum retailers, utilities, supermarkets, and financial services companies. Alliance Data Systems was founded in 1996 and is headquartered in Dallas, Texas.


Federal Agricultural Mortgage Corporation provides agricultural real estate and rural housing mortgage loans in the secondary market in the United States. It purchases newly originated and pre-existing (seasoned) eligible mortgage loans directly from lenders; exchanges newly issued agricultural mortgage-backed securities guaranteed by it for newly originated and seasoned eligible mortgage loans that back those securities in swap transactions; issues long-term standby purchase commitments for newly originated and seasoned eligible mortgage loans; and purchases and guarantees mortgage-backed bonds secured by eligible mortgage loans, which are referred to as AgVantage bonds. The company was founded in 1987 and is based in Washington, D.C.


Dollar Financial Corp. provides financial services to lower-income and middle-income working-class individuals. It provides check cashing, short-term consumer loans, money orders, money transfers, and legal document preparation services, as well as electronic tax filing, bill payment, debit cards, foreign currency exchange, photo ID, and prepaid local and long-distance phone services. The company offers services through its stores, which operate under the name of Money Mart, Loan Mart, and We The People. Dollar Financial operated a network of 1,330 stores, including 742 company-operated stores in 36 states, the District of Columbia, Canada, and the United Kingdom. The company, formerly known as DFG Holdings, Inc., was incorporated in 1990 and is based in Berwyn, Pennsylvania.


First Cash Financial Services, Inc. provides specialty consumer finance products through pawn stores. The company's pawn stores advance money against pledged tangible personal property, such as jewelry, electronic equipment, tools, sporting goods, and musical equipment; retail previously owned merchandise acquired through collateral forfeitures and over-the-counter purchases from customers; and offer short-term and unsecured advances. It also operates short-term or payday advance stores that provide a range of consumer financial services products, including payday or short-term advances, check cashing, money order sales, money transfers, and bill payment services. As of December 31, 2004, the company owned and operated 197 pawn stores and 87 payday advance stores in 292 locations in 11 states in the United States and 5 states in Mexico. In addition, First Cash has a 50% partnership in Cash & Go, Ltd., which owns and operates 40 kiosks located inside convenience stores. The company was formed in 1988 and is based in Arlington, Texas.


First Charter Corporation operates as the holding company for First Charter Bank (FCB), which provides community banking services in piedmont and western North Carolina. As of December 31, 2004, the bank operated 53 financial centers, 7 insurance offices, and 1 mortgage origination office, as well as 110 ATMs. FCB's banking products include interest bearing and noninterest bearing checking accounts; Money Market Rate accounts; certificates of deposit; individual retirement accounts; overdraft protection; commercial, consumer, agricultural, real estate, residential mortgage and home equity loans; personal and corporate trust services; safe deposit boxes; and automated banking. In addition, the company, through FCB's subsidiaries, offers full service and discount brokerage services, annuity sales, and financial planning services; insurance of businesses and individuals; and commercial equipment leasing and management of investment securities. The company was founded in 1888 and is based in. Charlotte, North Carolina.


American Express Company (AEC) provides travel-related services, payment services, financial advisory services, and international banking services worldwide. Its travel-related services include global card network services; charge card and credit cards for consumers and businesses; consumer and small business lending products; travelers checks; business expense management products and services; business travel and travel management services; consumer travel services; transaction processing; tax, accounting, and business consulting services; and magazine publishing. The company also offers investment products and services to retail and institutional clients, including mutual funds, annuities, face-amount certificates, collective funds, real estate investment trusts, collateralized debt obligations, and hedge funds; and investment services, including wrap programs, financial planning services, and separately managed accounts. In addition, AEC offers individual retirement accounts, employer-sponsored retirement plans, and Section 529 college savings plans; personal trust services; and retail securities brokerage. It also provides life, disability income, long term care, and property and casualty insurance products. Further, the company offers banking and financial services to wealthy individuals, financial institutions, and retail customers. It provides interest-bearing deposits, unsecured lines of credit, installment loans, money market funds, mortgage loans, auto loans, and mutual funds, as well as offers investment management, and trust and estate planning. Its correspondent banking products include international payments processing; trade-related payments and financing; cash management; and investment products. It also provides treasury and capital market products and services, including foreign exchange, foreign exchange options and other derivatives, and interest rate risk management products. AEC was founded in 1850 and is headquartered in New York City.


Advanta Corp. provides financial products and services to the small businesses and business professionals in the United States. It offers MasterCard and VISA business credit cards, which provide approved customers with access, through merchants, banks, checks, and ATMs, to an unsecured revolving business credit line. The company also makes venture capital investments focusing on privately held companies, including early stage companies. In addition, Advanta also provides insurance and related products and services, such as coverage for loss of life, disability, involuntary unemployment, and lost or damaged equipment. Additionally, it offers credit-related insurance products and services to its business credit card and leasing customers. The company offers various deposit products, such as certificates of deposit that are insured by the Federal Deposit Insurance Corporation. Advanta Corp. was founded by Jack Alter in 1951. It was formerly known as Teachers Service Organization, Inc. and subsequently changed its name to TSO Financial Corp. Further, the company changed its name to Advanta Corp. in 1988. The company is headquartered in Spring House, Pennsylvania.


EZCORP, Inc. operates pawnshops and signature loan stores that function as sources of short-term cash. The signature loan stores offer payday loans or credit services. EZCORP lends or provides credit services to individuals who do not have cash resources or access to credit to meet short-term cash needs. The company, through its subsidiaries, offers nonrecourse loans collateralized by tangible personal property, generally jewelry, consumer electronics, tools, sporting goods, and musical instruments, as well as sells merchandise from its pawn lending operations to consumers. It also offers short-term noncollateralized loans, such as payday loans, and fee based credit services to customers seeking loans. As of September 30, 2005, the company offered signature loans in 234 EZMONEY loan stores, 98 of its pawnshops, and in an Austin, Texas-based payday loan call center. The company serves specialty consumer finance industry. EZCORP was founded in 1989 and is headquartered in Austin, Texas.


Equifax, Inc. engages in the collection, organization, and management of various types of credit, financial, public record, demographic, and marketing information regarding individuals and businesses. The company's proprietary databases contain information on approximately 400 million consumers and businesses worldwide. It operates through three segments: Information Services, Marketing Services, and Personal Solutions. The Information Services segment provides products and services that allow customers to make credit decisions about consumers and commercial enterprises. The Marketing Services information segment offers products and databases, which enable customers to identify a target audience for marketing purposes. The Personal Solutions segment provides information to consumers, which enable them to reduce their exposure to identity fraud and to monitor their credit health. The company also enables consumers to manage and protect their financial affairs through a portfolio of products that it sells directly through the Internet and in various hard copy formats. Equifax serves financial services, retail, telecommunications, utilities, automotive, brokerage, healthcare, and insurance industries, as well as state and federal governments located in North America, Europe, and Latin America. The company was founded in 1899 and is headquartered in Atlanta, Georgia.


Intersections, Inc., a financial information services company, provides identity theft protection and credit management services to credit and charge card issuing financial institutions throughout the United States and Canada. The company's services include daily, monthly, or quarterly monitoring of its subscribers' credit files at credit reporting agencies. It also offers credit monitoring, credit profiles, credit scores and score analysis tools, periodic credit updates, credit education, fraud recovery assistance, and identity theft insurance. In addition, the company provides businesses various personnel risk management tools for the purpose of pre-employment background screening, including criminal background checks, driving records, employment verification and reference checks, drug testing, and credit history checks. Intersections, Inc. was founded in 1996 and is headquartered in Chantilly, Virginia.


Consumer Portfolio Services, Inc. operates as a consumer finance company in the United States. The company and its subsidiaries engage in purchasing, selling, and servicing retail automobile installment sale contracts originated by licensed motor vehicle dealers in the sale of new and used automobiles, light trucks, and passenger vans. Through its purchases, the company provides indirect financing to motor vehicle dealers. It operates primarily in 43 states. The company was formed in 1991 and is headquartered in Irvine, California.


Financial Federal Corporation and its subsidiaries provide collateralized lending, financing, and leasing services to small and medium sized businesses in general construction, road and infrastructure construction and repair, road transportation, and waste disposal industries in the United States. It finances various new and used industrial and commercial equipment, such as air compressors, bulldozers, buses, cement mixers, compactors, crawler cranes, earthmovers, excavators, generators, hydraulic truck cranes, loaders, motor graders, pavers, personnel and material lifts, recycling equipment, resurfacers, rough terrain cranes, sanitation trucks, scrapers, trucks, truck tractors, and trailers through installment sales and leasing programs. The company also provides capital loans secured by the same equipment and other collateral. It provides its services through marketing personnel and directly to equipment users. The company was founded in 1989 and is based in New York City.


SLM Corporation, through its subsidiaries, offers education finance in the United States. The company engages in funding, delivering, and servicing support for education loans primarily through its participation in The Federal Family Education Loan Program. It provides various financial services, processing capabilities, and information technology to meet the needs of educational institutions, lenders, students and their families, and guarantee agencies. SLM offers an array of credit products and related services to the higher education community. The company also provides accounts receivable and collections services, which include defaulted student loan portfolio management services; contingency collections services for student loans and other asset classes; student loan default aversion services; and accounts receivable management and collection for purchased portfolios of receivables, and first-party servicing. It serves financial aid offices and schools that are managed within smaller operating segments. SLM was founded in 1972 and is headquartered in Reston, Virginia.


Primus Guaranty, Ltd., through its principal subsidiary, Primus Financial Products, LLC, sells credit protection against investment grade credit obligations of corporate and sovereign entities. The company, through Primus Asset Management, Inc., manages the credit swap portfolios; and through Primus Re, Ltd., operates as a financial guaranty insurance company. In addition, the company invests in short-term government securities, money-market instruments, and other investment grade securities. Primus Guaranty was incorporated in 1998 and is headquartered in Hamilton, Bermuda.


Encore Capital Group, Inc. engages in the purchase and management of charged-off consumer receivables portfolios in the United States. The company acquires these portfolios at discounts from their face values using its valuation process that is based on the consumer attributes of the underlying accounts. It employs a mix of collection strategies to get return on investment based upon the ongoing analysis of these accounts. The receivable portfolios consist primarily of unsecured, charged-off domestic consumer credit card receivables purchased from national financial institutions, retail credit corporations, and resellers of such portfolios. Encore Capital Group also operates in the healthcare debt collection market. The company is headquartered in San Diego, California.


The Student Loan Corporation engages in the origination, management, and servicing of student loans guaranteed under the Federal Family Education Loan program. The company's loans include subsidized Federal Stafford, unsubsidized Federal Stafford, federal parent loans to undergraduate students (PLUS), and federal consolidation loans. It also provides CitiAssist loans for students, who do not qualify for government student loan programs or need additional financial assistance beyond that available through government programs. In addition, the company owns a portfolio of health education assistance loans (HEAL) composed of guaranteed student loans for borrowers in designated health professions under a federally insured loan program administered by the U.S. Department of Health and Human Services. Additionally, it participates in the secondary student loan market through purchase of loans that consist of subsidized Federal Stafford loans, unsubsidized Federal Stafford loans, PLUS loans, federal consolidation loans, and HEAL loans. The company was incorporated in Delaware in 1992 and is headquartered in Stamford, Connecticut. The Student Loan Corporation is an 80% owned subsidiary of Citibank, N.A., an indirect wholly owned subsidiary of Citigroup, Inc.


PHH Corporation provides mortgage and fleet management services in the United States and Canada. The company's mortgage services include origination, sale, and servicing of residential first and second mortgage loans; and private label mortgage outsourcing. Its loan servicing activities consists of collecting loan payments; remitting principal and interest payments to investors; and managing escrow funds for payment of mortgage-related expenses, such as taxes and insurance. PHH Corporation provides fleet management services to corporate clients and government agencies. The company's fleet management services include fleet leasing and fleet management services, and accident management services. Its fleet leasing and fleet management services include vehicle leasing, leasing plans, fleet policy analysis and recommendations, benchmarking, vehicle recommendations, ordering and purchasing vehicles, arranging for vehicle delivery, and administration of the title and registration process, as well as tax and insurance requirements, pursuing warranty claims, and remarketing used vehicles. Accident management services include assistance, such as facilitating emergency towing services and car rental assistance, upon receiving the initial accident report from the driver; organizing the vehicle appraisal and repair process through a network of repair and body shops; and coordinating and negotiating accident claims. PHH Corporation also offers vehicle maintenance charge cards that are used to facilitate repairs and maintenance payments. In addition, the company offers credit research, flood certification, and tax services, as well as mortgage reinsurance. PHH Corporation was founded by Duane Peterson, Harley Howell, and Richard Heather in 1946. The company is headquartered in Mount Laurel, New Jersey.


Medallion Financial Corp. operates as a specialty finance company that originates and services taxicab medallion loans in the United States. Its medallion loan portfolio consists of fixed-rate loans, collateralized by first security interests in taxicab medallions and related assets. It also originates consumer loans collateralized by recreational vehicles, boats, and trailers. Additionally, the company, through its subsidiaries, originates SBA Section 7(a) loans, commercial and consumer loans, and loans to small businesses for the purpose of financing inventory and receivables; conducts a mezzanine financing business; and raises deposits and engages in other banking activities. The company is headquartered in New York City.


Capital One Financial Corporation operates as a holding company, which provides various consumer financial products and services, primarily in the United States. The company, through its subsidiary, Capital One Bank, offers credit card products and accepts retail deposits, including certificates of deposit, money market accounts, and individual retirement accounts. Its other subsidiary, Capital One, F.S.B. offers consumer and commercial lending, and consumer deposit products. The company, through Capital One Auto Finance, Inc., offers automobile and other motor vehicle financing, including financing for the purchase of new and used vehicles, as well as refinancing of existing motor vehicle loans. Capital One Financial also manages installment lending, healthcare financing, and small business lending activities. In addition, the company invests in the U.S. Treasury and other U.S. government agency obligations, collateralized mortgage obligations, and mortgage backed securities. Capital One Financial also operates in the United Kingdom and Canada. The company is headquartered in McLean, Virginia.


Cash America International, Inc. provides specialty financial services to individuals in the United States. It offers secured nonrecourse loans, referred to as pawn loans, to individuals through its pawn lending operations. As of December 31, 2004, the company's pawn lending operations consisted of 452 pawnshops, including 441 owned units and 11 franchised units in 21 states. In addition, Cash America International engages in cash advance operations in 253 locations, as well as provides check cashing and other money services through its cash advance locations, and franchised and company owned check cashing centers. The company offered check cashing services through 128 franchised and 6 company owned check cashing centers in 20 states, as of the above date. Cash America International was incorporated in 1984 and is based in Fort Worth, Texas.


The First Marblehead Corporation provides outsourcing services for private education lending in the United States. It offers integrated suite of program design and marketing, borrower inquiry and application, loan origination and disbursement, and loan securitization services for student loan programs are tailored to meet the needs of the respective customers, students, employees, and members of national and regional financial institutions and educational institutions, as well as businesses and other enterprises. The company primarily focuses on loan programs for undergraduate, graduate, and professional education, as well as on the primary and secondary school market. It also offers services such as, private label programs and the guaranteed access to education programs. The company has strategic relationship with The Education Resources Institute. The First Marblehead was founded in 1991 by Daniel Maxwell Meyers and Stephen E. Anbinder and is headquartered in Boston, Massachusetts.


ORIX Corporation provides various financial products and services to both corporate and retail customers in Japan. It operates through four segments: Corporate Finance, Real Estate, Life Insurance, and Retail Finance. The Corporate Finance segment provides financial products and services, including leasing, lending, and investment banking services, principally to small and medium-sized enterprises. It engages in automobile leasing and rental, and precision measuring equipment and personal computers rental to corporate customers. The Real Estate segment engages in the development, management, operation, and sale of real estate, as well as real estate-related finance, such as nonrecourse loans, commercial mortgage-backed securities, loan servicing, and asset management of real estate investment trusts. The Life Insurance segment underwrites and sells life insurance products, both directly and as an agency. The Retail Finance segment provides housing loans and consumer card loans. The company also engages in leasing and lending to corporate customers, real estate-related businesses, and loan servicing in North America, Asia, Oceania, Europe, Northern Africa, and the Middle East. ORIX was formed in 1964 as Orient Leasing Co., Ltd. and changed its name to ORIX Corporation in 1989. The company is based in Tokyo, Japan.


Moody's Corporation provides credit ratings, and research and analysis covering debt instruments and securities in the capital markets worldwide, as well as credit assessment services, credit training services, and credit process software to banks and other financial institutions. It operates in two segments, Moody's Investors Service and Moody's KMV. Moody's Investors Service segment publishes rating opinions on various credit obligations issued in domestic and international markets, including various corporate and governmental obligations, structured finance securities, and commercial paper programs, as well as rating opinions on issuers of credit obligations. It also publishes investor-oriented credit research, including research on issuers, industry studies, special comments, and credit opinion handbooks. The company also provides research services, data, and analytic tools to institutional investors, and other credit and capital markets professionals. Moody's KMV segment develops and distributes credit assessment products and services for banks and investors in credit-sensitive assets, credit training services, and credit process software. The company maintains offices in 19 countries. Its customers include various corporate and governmental issuers of securities, as well as institutional investors, depositors, creditors, investment banks, commercial banks, and other financial intermediaries. Moody's Corporation was founded in 1900 and is headquartered in New York City.


CapitalSource, Inc., a specialty commercial finance company, provides loans to small and medium-sized businesses in the United States. It has three divisions: Corporate Finance, Healthcare and Specialty Finance, and Structured Finance. The Corporate Finance division provides senior and mezzanine loans principally to businesses backed by private equity sponsors. It finances various companies, including business services companies; consumer products and brands; value-added manufactures; media companies, primarily television and radio broadcasters; retailers; and healthcare service companies operating in nonreimbursement sectors. The Healthcare and Specialty Finance division provides accounts receivable-based, inventory, short-term real estate, equipment, debtor-in-possession, and other senior and mezzanine financing to healthcare businesses and other companies. The Structured Finance division provides asset-based lending to specialty commercial lenders, including mortgage companies, leasing companies, and asset-based lenders; specialty consumer lenders, such as consumer installment lenders and automobile lenders; and resort and residential developers, and finance lenders. The company was founded by Jason M. Fish and John K. Delaney in 2000 and is headquartered in Chevy Chase, Maryland.


Franklin Credit Management Corporation operates as a specialty consumer finance company in the United States. It engages in the acquisition, servicing, and resolution of performing, reperforming, and nonperforming residential mortgage loans and real estate assets; and the origination of subprime mortgage loans, both for its portfolio and for sale into the secondary market. The company specializes in acquiring and originating loans secured by one-to-four family residential real estate. It purchases these loans from various financial institutions, including mortgage banks, commercial banks and thrifts, traditional financial institutions, and other specialty finance companies. The company was founded in 1989 and is headquartered in New York, New York.


Credit Acceptance Corporation provides auto loans to consumers primarily in the United States. It offers third party service contract programs and Internet-based Credit Approval Processing System, known as CAPS. The company offers its products through a network of automobile dealers. Credit Acceptance was founded in 1972 and is headquartered in Southfield, Michigan.


iStar Financial, Inc., a real estate investment trust (REIT), provides financing to private and corporate owners of real estate, including senior and junior mortgage debt, senior and mezzanine corporate capital, and corporate net lease financing. The company's primary product lines include structured finance, portfolio finance, corporate finance, loan acquisition, and corporate tenant leasing. Structured finance options include first and second mortgages, partnership loans, participating debt, and interim facilities. Portfolio finance services include providing funding to regional and national borrowers, who own multiple facilities in geographically diverse portfolios. The Corporate finance line provides senior and subordinated capital to corporations engaged in real estate. The Loan acquisition line acquires whole loans and loan participations. Corporate tenant leasing line provides capital to corporations and borrowers who control facilities leased to single creditworthy tenants. The company has elected to be taxed as a REIT for federal income tax purposes and would not be subject to income tax to the extent it distributes at least 90% of its taxable income to its stockholders; and 100% of its taxable income to avoid paying corporate federal income taxes. iStar Financial was founded in 1993 and is headquartered in New York city.


CompuCredit principally provides credit and related financial services and products to consumer credit market, as well as to unbanked consumers. The company operates through four segments: Credit Cards, Investments in Previously Charged Off Receivables, Retail Micro-Lending and Servicing, and Other. The Credit Cards segment consists of the company's credit card lending and servicing activities, which include receivables underlying accounts originated and receivables underlying portfolios purchased by the company. This segment markets unsecured general-purpose Visa and MasterCard credit cards, including its Aspire Visa credit card and Emerge MasterCard, principally through an agreement with Columbus Bank and Trust Company. The Investments in Previously Charged Off Receivables segment consists of the company's debt collection subsidiary that bids for, and acquires previously charged off credit card receivables. The Retail Micro-Lending and Servicing segment consists of a network of storefront locations that provide either directly or on behalf of a lending bank, small-denomination, short-term, and unsecured cash advances that are due on the customers' next payday. As of December 31, 2004, this segment made micro-loans directly to customers in 355 of the 482 locations in 10 states, and acted as a processing and servicing agent for the lending bank in the remaining 127 locations in 4 states. The Other segment offers micro-loans through various channels, including direct marketing, telemarketing, and the Internet; as well as stored-value card and merchant credit activities. CompuCredit was formed by David G. Hanna and Richard W. Gilbert in 1996. The company is based in Atlanta, Georgia.


CIT Group, Inc. provides financing and leasing capital for companies worldwide. It operates in five segments: Specialty Finance Commercial, Specialty Finance Consumer, Commercial Finance, Equipment Finance, and Capital Finance. The Specialty Finance Commercial segment offers vendor programs, small-ticket commercial lending and leasing, U.S. small business administration loans, and liquidation of manufactured housing assets. The Specialty Finance Consumer segment provides home lending and other loans, including student lending products that are primarily U.S. government guaranteed. The Commercial Finance segment offers mid-to large-ticket asset-based and enterprise value lending, and factoring. The Equipment Finance segment provides diversified middle market equipment lending and leasing. The Capital Finance segment offers commercial aircraft, rail and other large-ticket equipment finance leasing and lending, project finance, and advisory services. The company serves small, midsize, and larger companies in manufacturing, retailing, transportation, aerospace, construction, technology, communication, and various service-related industries. It operates primarily in North America, with locations in Europe, Latin America, Australia, and the Asia-Pacific region. The company was founded as Commercial Credit and Investment Company by Henry Ittleson in 1908 and changed its name to CIT Group, Inc. in 1915. CIT Group is based in New York City.


AmeriCredit Corp., a consumer finance company, engages in the purchase, retention, subsequent securitization, and servicing of finance receivables primarily in the United States. The company, through its branch network and strategic alliances with auto groups and banks, purchases retail installment contracts entered into by auto dealers with consumers, who are typically unable to obtain financing from traditional sources. Its servicing activities comprise collecting and processing customer payments, responding to customer inquiries, initiating contact with customers who are delinquent in payment of an installment, maintaining the security interest in the financed vehicle, monitoring physical damage insurance coverage of the financed vehicle, arranging for the repossession of, liquidating collateral, and pursuit of deficiencies when necessary. As of September 30, 2005, the company operated 88 branch offices. AmeriCredit Corp. was founded in 1986 and is headquartered in Fort Worth, Texas.


MRU Holdings, Inc., a specialty finance company, provides funds to students for higher education in the United States. It offers private student loans that supplements financing for qualified students through the federal government and are not guaranteed by the government; loan guaranties, which are provided by third-party lenders; PrePrime student loans for post-secondary school borrowers; and federal loans. The company markets its products under MyRichUncle' brand name. MRU Holdings is based in New York, New York.


NewStar Financial, Inc., a commercial finance company, provides customized debt financing solutions. It principally focuses on the direct origination of loans and other debt products to serve private equity sponsors, corporate executives, regional banks, real estate investors, and other financial intermediaries. As of December 31, 2006, the company's portfolio of loans and other debt products consisted of 204 transactions. It offers its solutions to middle-market businesses; mid-sized specialty finance companies; issuers of asset-backed, residential, and commercial mortgage-backed securities; and commercial real estate borrowers. The company was founded as Novus Capital LLC in 2003 and changed its name to Novus Capital, Inc. in May 2004. Later, it changed its name to NewStar Financial, Inc. in July 2004. NewStar is headquartered in Boston, Massachusetts.


Asset Acceptance Capital Corp. engages in the purchase and collection of defaulted or charged-off accounts receivable portfolios. Its receivables are acquired from consumer credit originators, primarily credit card issuers, consumer finance companies, retail merchants, and telecommunications and other utility providers, as well as from resellers and other holders of consumer debt. The company also finances the sales of consumer product retailers located primarily in Michigan and Florida. Asset Acceptance Capital Corp. was founded in 1962 and is headquartered in Warren, Michigan.


World Acceptance Corporation (WAC), a small-loan consumer finance company, offers short-term small loans, medium-term larger loans, related credit insurance products, and ancillary products and services to individuals. It also offers income tax return preparation services and refund anticipation loans. The company also provides income tax return preparation, electronic filing, and refund anticipation loans. In addition, WAC, as an agent for an unaffiliated insurance company, markets and sells credit life, credit accident and health, credit property, and unemployment insurance. The company, through its subsidiary, provides computer software solutions for the consumer finance industry. As of July 25, 2005, the company operated 583 offices in South Carolina, Georgia, Texas, Oklahoma, Louisiana, Tennessee, Missouri, Illinois, New Mexico, Kentucky, Alabama, and Colorado. WAC was founded in 1962 and is headquartered in Greenville, South Carolina.


Nicholas Financial, Inc., a holding company, operates in the specialty consumer finance industry in the United States. The company acquires and services retail installment sales contracts for purchasing new and used automobiles and light trucks. It also makes direct loans and sells consumer finance-related products. The company, through Nicholas Data Services, Inc., designs, develops, and supports systems related to the finance company and sells proprietary accounting software to small businesses. As of October 20, 2005, the company operated 40 branch offices located in Florida, Ohio, North Carolina, Georgia, Virginia, South Carolina, Michigan, Indiana, and Kentucky. Nicholas Financial was incorporated in 1986 and is headquartered in Clearwater, Florida.


Nelnet, Inc. operates as an education finance company in the United States. It offers financial services and technology-based products. The company operates in three segments: Asset Management, Student Loan and Guarantee Servicing, and Servicing Software. The Asset Management segment's activities include student loan marketing, originations, acquisition, and portfolio management services. The company owns a portfolio of student loan assets through a series of education lending subsidiaries. It obtains loans through direct origination or through acquisition of loans. This segment also provides marketing, sales, managerial, and administrative support related to its asset generation activities. The Student Loan and Guarantee Servicing segment's activities include loan origination activities, application processing, borrower updates, payment processing, due diligence procedures, and claim processing. The company also provides servicing support to guaranty agencies, which includes system software, hardware and telecommunication support, borrower and loan updates, default aversion tracking services, claim processing services, and post-default collection services. The Servicing Software segment provides customized software solutions for the administration and management of the student loan process, collection services for educational debt, and customer-focused electronic transaction processing, and account and bill presentment. Nelnet is headquartered in Lincoln, Nebraska.


Intervest Bancshares Corporation operates as the holding company for Intervest National Bank, which provides commercial and consumer banking services in New York and Florida. The bank accepts certificates of deposit, individual retirement accounts, checking and other demand deposit accounts, negotiable order of withdrawal accounts, savings accounts, and money market accounts. It also offers commercial loans, including term loans, lines of credit and equipment financing, loans for working capital needs, business expansion loans, and the loans for purchasing equipment and machinery; and 504 loans that are secured by commercial and multifamily real estate, including rental and cooperative apartment buildings, office buildings, mix-used properties, shopping centers, hotels, industrial properties, and vacant land. The bank's consumer loans include loans for purchasing automobiles, recreation vehicles, and boats; second mortgages; and home improvements, home equity lines of credit, and personal loans. In addition, the bank provides Internet banking services; ATM services with access to local, state, and national networks; wire transfers; direct deposit of payroll and social security checks; automated drafts for various accounts; and safe deposit boxes. It invests in securities that are issued by the U.S. government or one of its agencies. As of September 30, 2005, the bank had a banking office in Rockefeller Plaza in New York City and five banking offices in Pinellas County, Florida. The company, through its other subsidiaries, provides mortgage loans on commercial and multifamily residential properties; and issues debentures, debt securities, and trust preferred securities. Intervest Bancshares was incorporated in 1993 and is based in New York City.


Global Cash Access Holdings, Inc., through its subsidiaries, provides cash access products and related services to the gaming industry in the United States and internationally. Its solutions include cash access products and services, information services, cashless gaming products, and credit card servicing. The company's cash access products and services include Casino Cash Plus 3-in-1 ATM that enables patrons to access cash through ATM cash withdrawals, point-of-sale (POS) debit card transactions, and credit card cash advances; QuikCash, a non-ATM cash advance kiosks for the gaming industry; Automated Cashier Machine that provides credit card cash advances, POS debit card transactions, and ATM cash withdrawals, as well as check cashing services; QuikCredit, which offers lines of credit in gaming establishments that choose not to offer in-house credit; check verification and warranty services; and money transfer services. Its information services include central credit, a gaming patron credit bureau that assists gaming establishments in credit making decisions; QuikCash Plus Web, a cash access transaction processing system for cashier operations that runs on a gaming establishment's own computer hardware; QuikReports that provides access to information on patron cash access activity; and QuikMarketing, which is a patron transaction database. The company's cashless gaming products include 3-in-1 Enabled QuickJack Plus for cash access into kiosks for slot ticket redemption; Ticket-Out Debit Device that enables slot machine patrons to access funds without leaving the machines they are playing; and Electronic Debit Interactive Terminal Housing, which enables purchase of slot machine tickets from a customer-activated kiosk. Its credit card servicing product includes the Arriva Card, a private label credit card issued by CIT Bank, specifically for use in gaming establishments. The company was founded in 1998 and is headquartered in Las Vegas, Nevada.


Advance America, Cash Advance Centers, Inc. provides payday cash advance services in the United States. The company provides directly, or process, market, and service on behalf of the lending banks for which it acts as agent, small-denomination, and short-term unsecured consumer credit. As of December 31, 2004, it operated 2,408 payday cash advance centers. The company was co-founded by William M. Webster, IV and George D. Johnson, Jr. in 1997. Advance America, Cash Advance Centers is headquartered in Spartanburg, South Carolina.


Nissin Co., Ltd., together with its subsidiaries, operates as a finance company in Japan. It engages in unsecured lending in Japan. It provides business owner loans, wide loans, business timely loans, consumer loans, and secured loans to individuals, primarily small business owners and consumers. The company also provides installment loans, and securities and credit guarantee services. In addition, Nissin Co. guarantees loans to customers of third party lenders and provides credit-guarantee services for third party loan transactions. Further, it engages in securities business. The company was established as Nissin Shoji Co., Ltd. in 1960 and changed its name to Nissin Co., Ltd. in 1990. Nissin Co. was founded in 1960 and is headquartered in Tokyo, Japan.