Forge RTO runs the whole rent-to-own book in one place. Applications, funding, payments, collections, repossessions, dealers, titles and investor reporting all share the same live data, so nothing is re-keyed between spreadsheets.
Forge wasn't designed in a vacuum. It grew out of the daily work of a live, multi-state rent-to-own business, so every screen answers a question operators actually ask.
Contracts, payments, dealers, titles and repos live in one database. Every report, from aging to the borrowing base, reads the same numbers.
Funding gates, locked contracts, supervisor overrides and audit trails stop errors and fraud before money moves, not after.
Role-based workspaces for onboarding, early and late collections, asset recovery and management, with each person seeing only what their job needs.
Turn on the modules you need. They all share the same customer, contract and asset records.
Online applications, document capture, history checks and configurable funding gates before a dealer is paid.
Payment quotes with state and local sales tax, schedules, allocations, payoffs and daily close.
Work queues by stage, payment arrangements, contact logs, letters, texting and agency placements.
Repo orders, agents, inspections, pickup receipts and a resale pipeline with pricing and dealer commissions.
Dealer onboarding, portal, ledger, funding holds, compliance scoring and clawbacks.
Track every title, MSO and registration from intake through payoff, state by state.
Monthly reconciliations, investor invoices, borrowing base snapshots and depreciation.
Legal packets, certified mail, state contract terms, do-not-sell and opt-out lists.
Secure self-service for renters: balances, payment history and two-way messages with your team.
Rent-to-own files hold Social Security numbers, licenses and bank details. Forge treats every one of them as sensitive by default.
Tell us a little about your states, contract terms and dealer model.
See Forge run on sample data shaped like a real rent-to-own book.
We go over what your team needs and which modules matter most.
If it's a fit, we map out together what getting started would look like.
Tell us a little about your operation and we'll set up a time to walk you through Forge.
FORGE