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 declined by your prime credit provider, second look is the credit alternative before resorting to lease to own programs. Click here for more information about second look financing and how it can help you meet the needs of your customers and increase sales.

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 for a more attractive credit offer before they have to consider a lease-purchase solution.

What is the consumer application process?
We have designed our application to mirror the process provided by your prime provider. As a result, it is easy to train your sales associates and provides the best possible customer experience. And, yes, our process is really paperless.

How long until the credit decision is made?
Instant decisioning - in mere 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 business development team will work with you to understand your business needs and tailor a plan and fee structure to meet your objectives. We will create a program that maximizes approvals, while minimizing merchant cost.

I have a lease-purchase / rent-to-own (RTO) program, why do I need you?
Approving your customers for a revolving line of credit will lead to repeat business and word of mouth referrals. Second look financing is appealing 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 second look because our proprietary underwriting technology allows us to offer true revolving credit accounts to customers who have been declined by your prime offeror. We belive that rent to own should be your customer's third look option.

How does integration work?
Over the years we have integrated our paperless system with prime lenders and leading vendor platforms. We will integrate with your existing system based on your specifications (e.g., POS, Prime lender, Online or Third-Party Portal). The set-up process is quick and easy.

Do we use FICO score?
Fortiva Retail Credit uses its own proprietary models, powered by over 20 years in the credit industry. The FICO score is a component of these models, yet not the full picture. By relying on our time-tested proprietary models, we can offer accounts to 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 $1,000, and in some industries up to $40,000.

What is the cost to my customer?
With Fortiva Retail Credit, merchants can offer revolving lines-of-credit, at a competitive 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 easy just click to apply, and be prepared 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