Hispanic Express, Inc. operates in two segments Consumer Financial Business (CFB) and Travel Business (TB). CFB includes the small loan portfolio, travel finance portfolio and insurance, and other products provided to customers. In CFB the company acts as an intermediary for an independent insurance carrier that sells credit life and credit accident and health insurance to its customers. TB comprises the retail travel stores and travel Internet business. This segment sells discount airline tickets to Hispanics residing in the United States who travel to Latin America. The company's customers typically have been between the ages of 21 and 45, earn less than $25,000 per year, have little or no savings, and have limited or short-term employment histories. The majority of the company's business is focused in Southern California.