Unlocking Capital In Rent To Own

Send us Fan Mail Money problems in rent-to-own rarely show up as one big issue. They show up as tighter cash flow, higher customer acquisition costs, and a growing pile of skips and charge-offs your team does not have time to chase. So we brought in two people who live on the “how do we fund this” side of the RTO business, and we kept the conversation practical. First, I sit down with Tom Murphy from Capital Concierge to talk business capital for rent-to-own and lease-to-own dealers. We get specific about what lenders look for, why RTO financials confuse traditional banks, and how the right packaging can turn a slow, frustrating process into a clear plan. We cover SBA loan paths, lines of credit for inventory, working capital, and the small fixes that can make you approvable before you waste time submitting. Then Mark Lesinski from Landmark Strategy Group lays out a different kind of capital solution: monetizing non-paying accounts past 90 days by selling charge-offs instead of letting them age and depreciate. We talk onboarding steps, how digital contract media affects pricing, what “warehouse” cleanups and forward-flow programs look like, and why compliance and brand reputation matter as much as the dollars wired. If you want smarter RTO funding options, lower back-end drag, and more predictable cash planning, listen now and then subscribe, share the episode with a dealer friend, and leave a review so more operators can find it. APRO Association of Professional Rental Organizations Wow Brands Digital Marketing for the RTO industry - Including Web design, SEO, ad, and much more under one roof RNR Tire Express Custom wheels & tires with flexible rent-to-own options. Find a store near you today! Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Join The RTO Newsletter: https://bit.ly/RTOPODnewsletter Subscribe on Apple: https://apple.co/4wpbUqF Subscribe on Spotify: https://bit.ly/RTOPODspotify Learn More About Sponsorship: https://bit.ly/RTOPODsponsor