Please find the answers to the most common questions we receive below. Still have a question? Send us your question here, or give us a call at 800-792-1421.

What is second look financing?

When your customer is rejected by your prime provider, second look is the loan alternative before resorting to lease to own programs. Click here for more information about second look financing and how it can help you increase sales and decrease the number of customers walking out the door.

What is the consumer application process?

We have designed our application to be the same process as for your prime provider. As a result, it is easy to train your sales force and provides the best possible experience for your customer. And, yes, our process is really paperless.

How long until the credit decision is made?

Instant decisioning - less than 60 seconds.

When will I receive my money?

Depending on the industry, you can receive your money as quickly as the next day.

How much does Fortiva Retail Credit cost?

Our sales specialists work with you to understand your business needs and then tailor a plan and fee structure to meet your objectives. We have a number of tools to create a program that maximizes approvals, while minimize cost to you. Please fill out this short form to get more information.

I have a lease-purchase / rent-to-own (RTO) program, why do I need you?

Because approving your customers for loans will lead to repeat business and word of mouth referrals for you. Second look financing is appealing to your customers because it is less expensive than rent-to-own, offers more attractive terms and has a higher customer acceptance rate.

Some lease-purchase (rent-to-own) providers may claim they are second look simply because they are not a prime provider. We are actually second look because we provide a loan based on our proprietary underwriting. We consider rent-to-own the 3rd look.

Some retailers have two prime providers and consider the second prime provider a second look solution. We are actually second look because we go deeper and allow more of your customers to be approved by a more attractive alternative before they have to consider a lease-purchase solution.

How does integration work?

Over the years we have integrated our paperless system with leading vendor platforms, and can integrate with your existing system based on your specifications. We also have four interface options for you to choose from: POS, Prime, Online or 3rd Party Application Portals.

The set up process is quick, custom and easy. This means you can hit the ground running with less sales disruptions.

Do we use FICO score?

Fortiva Retail Credit uses its own proprietary models, powered by over 20 years of lending experience. The FICO score is a component of what we consider, yet not the full picture. By relying on proprietary models developed over such a long period of time, we are able to approve customers who are ignored or declined by other lenders.

Do you offer a reporting portal?

Our SAS-based reporting allows for robust reporting and customizable reports.

What are your credit limits?

Credit limits vary by industry. Limits can be as low as $3,000, and in some industries up to $40,000.

Types of financing options?

With Fortiva Retail Credit, merchants can offer revolving line-of-credit, at 29.9% APR. Interest amortizes over two years.

Markets served?

Fortiva Retail Credit serves all U.S. markets including Puerto Rico and the U.S. Virgin Islands.

Is Fortiva available in all 50 states?


How do I become a merchant?

Getting started with Fortiva Retail Credit is an easy, 5-step process and only requires you to provide the following information:

• Merchant application with owner(s) signatures and SSN number(s)
• Copy of business and relevant professional license and incorporation documents
• Cancelled check or bank letter for ACH remittance
• Location sheet if more than one store location
• Signed pricing sheet


Are you ready to sign up?