After a turbulent year in which its long-serving chief executive was forced into retirement and then fought unsuccessfully for a board seat, it lost its funding support from a major bank and regulatory changes put its small amount lending business under pressure, consumer lender Money3 has produced a remarkably positive result.For the year to June, Money3's revenue was up 40 per cent to A$96.7 million and its net profit rose 44.4 per cent to $20.1 million.Gross loans grew 27.1 per cent to $198.8 million.The biggest part of the company's lending business these days is secured auto loans, which make up more than 75 per cent of the book. Auto loans grew 42.1 per cent to $151.8 million during the year.Larger unsecured personal loans account for nine per cent of receivables and the small amount credit loan book represents 14.5 per cent of the book, compared with 17 per cent in 2014/15.Money3 managing director Scott Baldwin said the company would focus on growing the secured auto loan and larger unsecured personal loan parts of the business, while the small loans book would remain "stable".In August last year Westpac announced that it would stop lending to payday lenders (small amount credit contract providers). Its customers included Money3, which had a facility drawn to $10 million.Since then the company has raised equity and in June it secured a $20 million debt facility with a new lender. The facility includes capacity to request an additional $10 million drawdown.On the downside, the bad debt charge rose 78 per cent to $12.9 million, which is a big jump even for a company that lends to people with poor credit histories.The other negative was a 37.4 per cent increase in expenses.