To fully understand the demand for Rent-to-Own within the shed industry, and why RTO FINANCE CORP., has such an opportunity to fill this demand, one must look to the rent-to-own (RTO) contract investors related only to the portable shed industry. 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. As RTO Investors approach new community banks, the RTO education curve, lending comfort curve and regulatory insight provide substantial time delays for credit decisions and credit growth. RTO contracts between investors and shed producers are non-existent due to historical industry practice, hence, should an RTO Investor not be able to fund the purchase of RTO contracts provided by a Shed Producers’ sales efforts, the Shed Producer must move on to another RTO Investor with the capital capacity to fund the purchase. Should this happen, the initial RTO Investor typically loses all future RTO contract purchases from that Shed Producer. The shed and mobile storage services industry, has experienced surging demand in the five years to 2017. The residential market makes up the industry's largest revenue source, estimated at 80.0%, with demand dependent on existing and new traditional and mobile residential sales. Consequently, improving demand from both residential and commercial construction markets propelled the industry growth during the five years to 2017, with revenue expected to rise at an annualized rate of 3.2% to $7.4 billion. In 2017, growth is expected to be especially strong as falling oil prices reduce the industry's transportation costs, the establishment of new dealer lots and increased sales from existing dealer lots increase shed sales, resulting in an industry wide revenue increase of 6.2%. The industry has also benefited from the growth of corporate markets. According to IBISWorld Industry Analyst Dmitry Diment, “Since industry operators provide furniture and equipment transportation to downstream commercial clients, as well as document storage, demand for industry services increases as businesses expand their operations.” Although the office rental vacancy rate, which serves as a proxy for business activity, continued to rise during the first half of the current five-year period, a turnaround finally occurred in 2012. The office rental vacancy rate is expected to fall from 2012 to 2015 as corporations expand operations, increasing demand for industry services. “With the economy projected to grow substantially during the next five years, downstream demand for mobile storage services is projected to increase,” says Diment. “The industry is also expected to benefit from an uptick in demand from commercial clients as corporate markets and retail sales grow.” Although fuel prices are projected to increase, the industry will benefit from comparatively low oil prices. Since companies in the industry use trucks to transport storage containers from door to door, the price of fuel is critical to the success of the industry.