Built by rent-to-own operators
Contracts, collections, payments, state rules, taxes, and a customer portal — automated end to end. The software your current vendor should have built twenty years ago.
Collections
Every past-due account, sorted by how far gone it is, with the bring-current quote already computed — payment, fees, and tax in one number, the way you’d quote it on the phone. Late fees assess themselves on each state’s schedule. Promised payments are tracked to the day. And when a check bounces, the reversal and fee post before anyone’s had coffee.
Customer portal & payments
Customers sign in with their phone number and ZIP — nothing to set up — and see their balance, next payment, payoff amount, and history. They pay by card or bank account through the processor’s secure form; card details never touch our servers. Convenience fees apply only where state law allows, checked before every charge. Fewer calls to your office, more payments on time.
The rest of the machine
Late-fee amounts, grace periods, early-payoff percentages, 90-day same-as-cash, fee legality, tax jurisdictions — encoded per state, applied per contract, remembered by software instead of staff.
Revenue with month-over-month change, collections aging, roll rates, portfolio health, depreciation, markup — live, not rebuilt in a spreadsheet at month-end.
One click generates the invoice; every copy is archived exactly as sent with a printed/emailed record. When a customer says it never arrived, you open the archive instead of an argument.
Every charge is idempotency-protected: a retry, a timeout, or a double-click can’t take a customer’s money twice. Every attempt — approved or declined — is on the record.
Why operators switch
Switching
Operators don’t stay on old software out of love — they stay out of fear of losing their history. So we made migration the part we’re proudest of.
“Reconciled to the penny” isn’t a slogan.
16 years of one operator’s books — 73,000 transactions across payments, payoffs, deposits, fees, refunds, and sales tax — every category identical in both systems before we called it done.
The same report your current system already prints. That’s the whole ask.
Every contract and transaction imported, then matched against your system line by line — payments, payoffs, fees, deposits, tax — until both sides agree exactly.
Keep your old system as long as you want. A monthly export syncs the difference in minutes, until the day you stop bothering.
From the people who run on it
“I ran our business on the old software for years — that’s exactly why RTOCore exists. Today our overdue queue runs itself, a bounced check reverses and assesses its own fee before anyone touches it, and customers check their balance online instead of calling the office. We built the system we couldn’t buy.”
A 30-minute walkthrough — your questions, real screens, and what a migration of your data would look like.
Book a demoRTOCore is operated by Setvara Inc. Questions: support@rtocore.com.