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?

Second look is the loan alternative offered after your customer has been declined by your prime provider.  Some lease-to-own programs claim to be second look, but those programs are not loans and offer terms that are much more expensive to the customer. 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 fastest, easiest and least disruptive process for your sales associates and customers. With just a few inputs into our paperless application, you will have a decision in less than 10 seconds.  As a result, it is easy to train your sales force and provide the best possible experience for your customer. And yes, our process is really paperless.

How long until the credit decision is made?

Our decisioning is completely automated.  Having refined our analytics over 20 years, we are able to make a decision in less than 10 seconds.  When we say instant, we mean it.

When will I receive my money?

You can receive your money within 48 hours after your sale is complete.

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 minimizing the cost to you. Please fill out our sign up now form or give us a call at 800-792-1421 for more details.

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

Fortiva’s 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. In addition, second look financing offers higher credit limits than rent-to-own solutions. As a result, you will have a higher average ticket, greater customer acceptance, and therefore MORE SALES!

Some lease-purchase (rent-to-own) providers may claim they are second look simply because they are not a prime provider. We are a true 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 understand the needs of consumers with less than perfect credit and allow more of your customers to be approved with a more attractive alternative before they have to consider a lease-purchase solution.

How does integration work?

Our flexible technology solution allows us to support any integration solution and customize it to your needs.  Our integration options include POS integration, integration with your prime partner, integration with third party aggregators, or simply using our web portal.  The set up process is quick 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 prime and other second look 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 range from $3,000 up to $20,000 depending on the customer’s credit profile and borrowing need.

Types of financing options?

Fortiva Retail Credit offers a number of options which can be customized to meet your needs.  Our typical solution is a single purpose line of credit, used only in your stores, with APRs ranging from 9.99% to 32.99%.  We also offer a range of deferred interest options.  Terms range from 24 to over 60 months.

Markets served?

Fortiva Retail Credit services clients in a number of markets including Home Improvement, HVAC, Furniture, Electronics, Elective Medical, Dental and Educational Services to name a few.

Is Fortiva available in all 50 states?

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

How do I become a merchant?

Getting started with Fortiva Retail Credit is an easy, 3-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 merchant agreement


Are you ready to sign up?