Depth of Retail Credit Experience

Backed by over 27 years of experience, Fortiva Retail Credit is a technology-enabled second look point-of-sale consumer credit program issued by The Bank of Missouri (the “Bank”). We’re committed to supporting the financial needs of consumers with less-than-prime credit. Our business and retail partners across the country trust us to help them grow and have consistently reported increases in average ticket size, approval rates, and repeat transactions

Backed by Atlanticus
(publicly traded on NASDAQ: ATLC)

The Fortiva Retail Credit program is managed and serviced by Atlanticus (NASD: ATLC). Our involvement in the consumer finance industry traces back to 1996. Today, we are the largest, and only publicly traded, servicer for second look credit products in the country. We take pride in our longstanding and collaborative relationships with our partners, including many of the nation’s leading retailers. We enhance the bond between our partners and their loyal customers through fair and transparent credit offerings provided by the Bank. Our partner-centric business model has been successful because it aligns our interests and provides substantial value to both partners and customers.

Financing support for everyday Americans with less than perfect credit is an important element to any retailer. The Fortiva Retail Credit program enables qualified less-than-prime customers to finance their needs in a clear and transparent manner, providing a reasonable cost of ownership and driving enhanced acceptance rates at a low cost to merchants.

The Fortiva Retail Credit technology platform offers a prime-like experience and tools that help customers feel confident in their choice to purchase from our partner brands. For retailers, this converts incremental customers and drives larger ticket sizes. Customers can receive strong credit limits, resulting in increased buying power and repeat spend for customers which grows penetration rates for our partners. The Fortiva Retail Credit program is available throughout the United States, including Puerto Rico and the U.S. Virgin Islands.

Visit the Atlanticus website to learn more.

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Our Industry-Leading Approach



  • Diverse leadership team
  • Tenured team with broad industry experience
  • History of scaling business
  • Experience through economic cycles
Scalable Infrastructure


  • Automated AI/ML derived decisioning
  • 100% cloud-based infrastructure
  • Mobile first platform and responsive design
  • API-first approach to building products
  • Predictive platform


  • Frictionless data integration
  • Over 20 active models
  • 40 billion cells of proprietary training data
  • Continuously improving risk models
  • In-depth applicant view beyond FICO over multiple economic cycles

A Tenured Management Team with Deep Industry Experience

President & Chief Executive Officer

Jeff Howard

Jeff has served as Atlanticus' Chief Executive Officer since March 2021 and as Atlanticus' President & Director since April 2014. He joined our subsidiary Atlanticus Services Corporation in 2001 and served as Executive Managing Director of that subsidiary since 2010 and as Director of Corporate Development since 2001.
Jeff Howard
Chief Commercial Officer

David Caruso

David joined Atlanticus as our Chief Commercial Officer in 2019. Prior to joining Atlanticus, he spent nearly three decades in Business Development leadership roles at well-known companies such as Synchrony and General Electric.
David Caruso
Chief Marketing Officer

Matt Zalubowski

Matt joined Atlanticus in 2019 and leads the direct-to-consumer and B2B marketing efforts for Atlanticus' multiple product lines and brands. Prior to joining, he cultivated multi-year consumer credit partnerships as Vice President of Business Development at Synchrony and led payment industry strategies as a Senior Manager at a consulting firm.
Matt Zalubowski
Senior Vice President of Business Development

Frank Davis

Frank brings over twenty years of consultative sales experience and leadership to Atlanticus. He joined Atlanticus in 2022 and is passionate about consumer financing and the impacts it can have on business growth and profitability.
Frank Davis
Senior Vice President and General Manager of Client Development

Ed Beldowicz

Ed has served at Atlanticus since 2000. Over the course of more than twenty years, his role has grown into leading our Client Development team with a focus on client satisfaction and partnership management.
Ed Beldowicz