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Neither Locke nor their wife, Stephanie, had hardly any money. But the ubiquity of payday into the Sunshine State made him wonder why they weren’t yet every-where in a Rust Belt state like Michigan. Locke had been soon back Flint, where he claims he convinced their inlaws to borrow $150,000 against their property. That could be the grubstake that let him build their payday company.

Locke was at their mid30s as he exposed their very very first shop, which he called money Now, in a strip that is small next door from a huge Delphi plant in Flint.