Depth of Retail Credit Experience
Backed by over 25 years of experience, Fortiva Retail Credit is a leading second look consumer credit program. 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)
Fortiva Retail Credit is a member of the family of brands serviced by Atlanticus (NASD: ATLC). Our roots in consumer finance trace back to 1996. Today, we are the largest, and only publicly traded, provider of second look credit 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 our fair and transparent credit offerings. Our partner-centric business model has been successful because it aligns our interests and provides substantial value to both our partners and our customers.
Financing support for everyday Americans with less than perfect credit is an important element to any retailer. Fortiva Retail credit products enable 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. Fortiva Retail Credit serves customers throughout the United States, Puerto Rico and the U.S. Virgin Islands.
Visit the Atlanticus website to learn more.
Our Industry-Leading Approach
- Diverse leadership team
- Tenured team with broad industry experience
- History of scaling business
- Experience through economic cycles
- 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