Best Way to Invest 10K

Why 391 Financial?

We have been operating in the consumer finance space for over 20 years. Our CEO, Clay Bethune, founded this company in 1999 with the opening of the company's first location. We have been in continuous operation ever since.

 

As the industry changed, so did we. We have successfully moved to online lending and developed a profitable underwriting engine. Our underwriting team has 47 years of combined underwriting experience. We know this space as well as anyone.

We launched this platform in 2018 to allow accredited investors the opportunity to invest in this industry. We take great pleasure in helping our investors earn a higher return for their portfolio. We look forward to working with you.

 
 
 

20 years
in business

47 years
combined underwriting experience

$1,000,000's
in loans provided

 
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Compliance

We are licensed and regulated in the states that we operate. We are audited annually by each state to ensure compliance. We are proud to say we routinely receive the highest possible rating. 

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Financial Technology

Financial Technology, commonly referred to as fintech, is the heart of what we do. We have developed our own underwriting engine that uses over 1,000 data points to determine the likelihood of repayment. This technology gives us a predictable platform to process thousands of applications daily.

 
 
 
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Investment Philosophy

Rather than seeking funds from traditional sources, like hedge funds and private equity firms, we have made the decision to raise capital from accredited investors. This allows us to retain equity in our company while allowing investors like you to participate in this lucrative industry. We believe this is a win-win scenario both for us and our investors.

 
 
 

Executive Team and Trusted Advisors

 
Clay BethuneFounder & CEO

Clay Bethune

Founder & CEO

Pranav Verma Chief Data Scientist

Pranav Verma

Chief Data Scientist

 
Jeff WassonAdvisor

Jeff Wasson

Advisor

 
Liz AustinAdvisor

Liz Austin

Advisor

 
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Our Market

 
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The market we serve is very a important one. According to a Fed Survey published in May 2018, 40% of adults can't cover a $400 unexpected expense. We lend to this customer when the need arises.