About Us
About Gentle Breeze Online
A documented DBA and division of La Posta Tribal Lending Enterprise.
Documented company identity
Federal Trade Commission and federal court records identify Gentle Breeze Online as a name and division used by La Posta Tribal Lending Enterprise, rather than as a separate legal company. The enterprise was chartered under the laws of the La Posta Band of Diegueño Mission Indians.
Documented operating scale
A court-appointed receiver reported the following Gentle Breeze figures:
The receiver reported that Gentle Breeze, Harvest Moon and Green Stream had separate websites and sales teams, while shared entities provided sales, processing, funding and customer-service functions. The reported figures cover activity through May 2020.
Three-brand operation
Across Gentle Breeze, Harvest Moon Financial and Green Stream Lending, the receiver recorded approximately 285,701 loans, $59.66 million in funded principal and $175.3 million in consumer payments.
Locations and operating infrastructure
Tribal enterprise address
8 Crestwood Road
Boulevard, CA 91905
The site and Vermont record also used 8 1/2 Crestwood Road.
Las Vegas operations office
101 Convention Center Drive, Suite 500
Las Vegas, NV
The receiver entered this office during the 2020 shutdown.
Nevada corporate address
2780 S Jones Blvd
Las Vegas, NV
Principal address used by five related Nevada corporations.
California corporate address
1930 Wilshire Blvd, Suite 400
Los Angeles, CA
Principal address used by three related California marketing corporations.
The receiver described separate sales pods for Gentle Breeze, Harvest Moon and Green Stream at the Las Vegas office.
Related corporate network
FTC records connected La Posta Tribal Lending Enterprise with eight Nevada and California corporations described as sharing ownership, control, locations, staff and business functions.
| Entity | State | Recorded principal address |
|---|---|---|
| Lead Express, Inc. | Nevada | 2780 S Jones Blvd, Las Vegas |
| Camel Coins, Inc. | Nevada | 2780 S Jones Blvd, Las Vegas |
| Sea Mirror, Inc. | Nevada | 2780 S Jones Blvd, Las Vegas |
| Naito Corp. | Nevada | 2780 S Jones Blvd, Las Vegas |
| Kotobuki Marketing, Inc. | Nevada | 2780 S Jones Blvd, Las Vegas |
| Ebisu Marketing, Corp. | California | 1930 Wilshire Blvd, Suite 400, Los Angeles |
| Hotei Marketing, Inc. | California | 1930 Wilshire Blvd, Suite 400, Los Angeles |
| Daikoku Marketing, Inc. | California | 1930 Wilshire Blvd, Suite 400, Los Angeles |
People named in the records
These names and roles come from the FTC, receiver, BBB and regulator materials reviewed for this profile. They are not presented as a current Gentle Breeze team.
Takehisa Naito
Named as an owner, officer, director or manager in the corporate network; signed 2020 financial statements as president of the eight corporate defendants.
Keishi Ikeda
Named in ownership, management and bank or cash-management relationships within the corporate network.
Chan Joo Chung
Identified as the onsite general manager of the Las Vegas operations office.
Heidy Perez
Listed by BBB as Complaints Manager for Gentle Breeze Online.
Leticia Hill
Named in sales management within the related lending operation.
Heidy Estrada
Identified as Customer Service Manager for Harvest Moon Financial.
Javaughn Miller
Named as a La Posta Tribal Administrator and as a complaint contact in a preserved reference to Washington regulator material.
No authors or reusable, reliably identified profile photographs were confirmed in the reviewed records.
Takehisa Naito regulatory record
A California Department of Corporations order dated March 16, 2011 named Takehisa Naito as president of Solomon Internet Funding, Inc. The order identified cashusapaydayloans.com and an office at 2780 S. Jones Blvd., Suite 3529, Las Vegas, NV, and directed the company to desist from deferred-deposit transactions in California without the required authorization.
Customer-facing details
- Website
- gentlebreezeonline.com
- Toll-free number
- 888-645-4171
- Fax
- 888-640-8999
- Customer-service email
- [email protected]
- Published weekday hours
- 7:00 AM–5:00 PM PST in the lender module; 8:00 AM–5:00 PM PST on a later homepage capture
These contacts and hours reproduce the documented site information.
Products and fee records
Installment Loan
- First-loan amount advertised as $500–$1,000.
- Typical schedule described as 10 payments.
- $100 example: 10 payments of $55.77.
- $200 example: 10 payments of $111.42.
- Early payoff was advertised without a prepayment penalty.
Indian Time Loan
- The first table showed a $30 fee per $100 and APR examples around 818%.
- The second table calculated a $45 fee per $100 and APR examples around 1,209%, although its heading repeated the $30 wording.
- Amounts shown in the tables ranged from $100 to $800.
Application and data flow
The public site operated at gentlebreezeonline.com, while application, account, privacy and contact functions used the separate lendredirect.com/GentleBreezeOnline/ platform. The application flow described review, verification, an electronic loan agreement and ACH funding.
The application and privacy records described collection of identity and contact information, Social Security number, employment and income details, bank-account information, references, military status and requested-loan details. The privacy policy also described obtaining consumer-report information and sharing information with lenders, financial-service providers, credit bureaus and marketers.
The privacy text retained a reference to moneymutual.com Web Services and malformed uses of theGentleBreezeOnline.com, indicating template residue in the published material.
Regulatory and reputation records
Vermont
The Vermont Attorney General’s April 25, 2014 lender list named La Posta Tribal Lending Enterprise d/b/a Gentle Breeze, gentlebreezeonline.com, the Boulevard address and telephone number.
Washington
A Public Justice record preserved a reference to a Washington State DFI notice titled “La Posta Tribal Lending Enterprise (Gentle Breeze Online) Not Licensed In Washington.” The primary notice was not recovered during the review.
NMLS
No confirmed NMLS Company ID was found for Gentle Breeze Online or La Posta Tribal Lending Enterprise.
BBB
The reviewed BBB profile recorded Not Accredited, Not Rated and believed out of business; it also listed GreenStream Lending, Harvest Moon Loans and Jet Credit 365 as related businesses. BBB’s sole-proprietorship classification conflicts with the FTC and court entity record.
Federal case record
Records reviewed for this profile place Gentle Breeze operations in 2011; BBB listed January 27, 2011 as the business start date.
The Vermont Attorney General’s lender list identified La Posta Tribal Lending Enterprise d/b/a Gentle Breeze and the gentlebreezeonline.com domain.
The FTC filed its federal complaint.
The court entered a temporary restraining order with an asset freeze, halting the operation.
Preliminary injunctions were entered and a receiver was appointed.
The La Posta Band dissolved La Posta Tribal Lending Enterprise.
A final order permanently barred Naito, Ikeda and the eight corporate defendants from providing, arranging, assisting, advertising, marketing or offering loans or extensions of credit.
The court entered final default judgment against the enterprise, permanently enjoined it from consumer lending and entered $5,073,597 in monetary relief.
The FTC announced 26,698 refund checks totaling $970,786.65 for consumers affected by the three-brand operation.
Consumer debt provisions in the final order
The September 2021 order deemed certain pre-May 19, 2020 loans paid in full when consumers had paid more than the amount financed plus one finance charge. The enterprise was barred from collecting, transferring or reporting that paid-in-full debt, and remaining debt was assigned to the receiver.
The separate April 2021 settlement entered a $114.3 million monetary judgment against the corporate and individual defendants, with a substantial portion suspended based on inability to pay and asset-transfer provisions.
FTC records described deceptive payment representations, repeated finance-charge withdrawals, unauthorized transfers, disclosure failures and remotely created checks. In 2022, the FTC reported 26,698 refund checks totaling $970,786.65 for consumers connected with the three-brand operation.
Related domains and platform structure
| Domain or endpoint | Recorded function |
|---|---|
| gentlebreezeonline.com | Gentle Breeze public website |
| mygbo.com | Gentle Breeze account-related infrastructure |
| lendredirect.com/GentleBreezeOnline/ | Application, login, privacy and contact platform |
| harvestmoonloans.com | Harvest Moon Financial public website |
| hmlogin.com | Harvest Moon account and login infrastructure |
| greenstreamlending.com | Green Stream Lending public website |
| gsllogin.com | Green Stream account and login infrastructure |
The receiver obtained control of six principal lending and login domains. The records show a public marketing frontend separated from the lender application and account platform.
Separate 2026 La Posta lending record
A 2026 record reviewed for the dossier identified JetCredit365, LLC as a subsidiary of La Posta Management, LLC and described it as licensed by the La Posta Tribal Regulatory Authority. No document reviewed for this profile established that JetCredit365 was a successor to Gentle Breeze Online or that its license or authority transferred to Gentle Breeze Online.
Domain and corporate records reviewed in 2025–2026
A third-party registration list included gentlebreezeonline.com among new .COM registrations dated September 5, 2026. This was secondary evidence only: the registrant, registrar, ownership continuity and any trademark or license transfer were not confirmed.
Secondary state-registry aggregators reviewed in the dossier showed continuing corporate entries for Ebisu Marketing, Corp. and Nevada entities connected with Naito or Ikeda. Those records did not establish active lending. The federal lending ban covering Naito, Ikeda and the corporate defendants remained a separate controlling record.
Evidence profile
Current status
No current Gentle Breeze Online legal entity, lending license, NMLS identifier, management team, ownership continuity, tribal authorization or continuing relationship with La Posta was found in the reviewed records. Names, addresses, contacts, products, disclosures and policies elsewhere in this reconstruction do not establish current operations.
Records used for this profile
The factual statements above are tied to these public records:
- FTC case record and timeline
- FTC announcement of the May 2020 action
- Court-appointed receiver’s preliminary report, July 20, 2020
- FTC settlement announcement, January 2021
- Federal court order entered September 13, 2021
- FTC 2022 annual report on consumer refunds
- Vermont Attorney General lender list, April 2014