RTO FINANCE CORP., is a Delaware incorporated company, established to provide financing to the RTO (rent-to-own) shed industry. RTO Finance Corp provides a consistent structured source of financing specifically to RTO (rent-to-own) contract investors, related only to the portable shed industry.
We use proven finance strategies designed to meet your risk tolerance and stand up against market volatility. And you can count on unbiased recommendations and impartial guidance based directly on your needs and goals.
Every successful financial strategy starts with an excellent client relationship. Our mission and values include exceeding our client’s every expectation. Call us today to find out how we can suggest long- and short-term strategies that will help you realize your financial dreams.
Most RTO contract Investors are financed by smaller community banks. This has been problematic due to in-house and/or regulatory capital restrictions applicable to each individual bank by their board and/or financial regulators. As RTO contract production grows in any given state, established community banks are pushed beyond their internal or external credit capacities and the RTO Investor must approach new community banks for sources of capital in order to continue operations. Each new community bank faces several necessary credit related hurdles. The RTO industry is usually a newly introduced credit industry which they recognize will require significant, continuing, growing credit investment and an extensive industry/credit structure familiarity by the most senior credit officers. Also, while most bankers are thoroughly familiar with typical consumer/commercial credits, they have no experience with rent-to-own contracts and applicable consumer regulatory statutes. Due to these internal/external credit related issues, each bank goes through an initial necessarily prolonged educational time curve and a prolonged comfort time curve with significant regulatory oversite, which typically requires 6-10 months prior to a credit decision, even when a positive credit extension decision is made. Once an RTO Investor credit application has been approved, each bank typically dedicates their entire individual industry capacity to the first RTO Investor which establishes credit at that bank, thereby blocking other RTO Investors from doing any RTO related business at that bank.
Establish a company which can raise significant, continuing funds from a “non-credit regulated” source to provide commercial credit financing to RTO Investors.
RTO Finance Corp was established to raise capital from the equity markets. These funds will be utilized by RTOF to provide commercial RTO contract financing to RTO contract investors. Premier Buildings (www.premierbuildings.us) is a major shed builder and producer of RTO contracts operating in 31 states and Canada. In 2017 Premier Buildings produced approximately $60M in RTO contracts to their RTO Investors. Premier Buildings is increasing RTO sales at an annual rate of 25-30%. Premier Buildings will exclusively promote RTOF as a source of funding to their RTO contract investors, thereby providing a direct credit conduit to a significant pool of RTO contract investors.
If you decide to subscribe for any shares in this offering, you must provide the following:
· Your name and address
· Your social security number (for tax reporting purposes)
· Whether you are an “accredited investor”
· If you not an accredited investor, your income and net worth
· Execute and deliver a subscription agreement; and
· Deliver a check or certified funds to us for acceptance or rejection.
All checks for subscriptions must be made payable to “RTO FINANCE CORP.”. The Company will deliver stock certificates attributable to shares of common stock purchased directly to the purchasers within thirty (30) days of the close of the offering.
5 Portofino Dr Suite 2002 Gulf Breeze, Florida 32561