sentence: family of brands under tmx finance llc industry overview customers use the services provided by the alternative financial services industry for a variety of reasons , including that they often : do not have access to traditional credit-based lenders like bank , thrift institutions and credit card companies ; have a sudden and unexpected need for cash due to common financial challenges like medical emergencies , vehicle repairs , divorce , job change or other unexpected expenses ; are self-employed small business owners with an immediate need for short-term working capital ; need a small amount of cash immediately and do not have time to wait for a traditional lender to approve a loan ; and see such services as a sensible alternative to potentially higher costs and negative credit consequences of other alternatives , such as overdraft fee , bounced check fees or late fees .