Close more sales. Keep every dollar.
Offer lease to own to the customers a card turns away. We buy the merchandise, so you're paid up front and we carry the lease.
$250 – $5,000
Approvals per customer.
No setup fee
Nothing to pay to start offering lease to own.
Dedicated support
A merchant help desk for you and your team.
A growth tool, not just another option
Convert more shoppers
Say yes to customers who would have walked away, and lift average order values.
No credit risk to you
We buy the merchandise directly. No chargebacks on the lease and no collections.
Paid up front
Funded once the merchandise is delivered or picked up, with a reconciliation report.
Customers come back
We bring prior lease-to-own customers back and help attract new ones.
Training for your team
Virtual onboarding, training videos and tools for your sales staff.
Dashboard and help desk
A merchant dashboard and a dedicated help desk for any question.
Simple to set up. Even simpler to use.
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Apply
Tell us about your business in a short form.
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Onboard
Virtual training and your merchant dashboard set up.
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Customer applies
In store by QR code, or online at checkout.
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Lease is signed
The customer reviews and signs on their phone.
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Deliver, get paid
You hand it over; we pay you for the merchandise.
In store and online
In store
Customers scan a QR code at the counter and apply on their own phone.
Online
Add Improvemint Financial as a payment option at checkout.
Built for the stores our customers shop
Furniture
Mattresses
Appliances
Tires and wheels
Electronics and phones
Hardware
Jewelry
Auto and powersports
Questions retailers ask
When do we get paid?
Once the merchandise is delivered or picked up.
Who owns the risk after delivery?
We do. We buy the merchandise, so there are no chargebacks on the lease and no collections for you.
Can customers qualify with little or no credit history?
Yes. Approval looks at several factors beyond a credit score, including income. Not everyone is approved.
How long are approvals good for?
Generally 45 days.
Do customers own the merchandise?
Yes, with a clear path: make every payment, use the early purchase option, or return the item.
Is training available for my staff?
Yes: virtual onboarding, training videos and a dedicated help desk.
Ready to grow with us?
Tell us about your business. We reply within one business day.