How it works
Signed. Tracked. Reported. Before they leave the counter.
Four steps. Two minutes.
- 01
Choose your agreement type
Equipment, RTO, vehicle, space, service plan, or private loan. The right template loads automatically.
- 02
Fill in the terms
What's being rented, payment amount, due date, late fee. Done at the counter or on the job site.
- 03
Send the link
Name, phone, email. A signing link goes out by text and email instantly. No app. No account needed.
- 04
Get the signed PDF
Both parties receive it immediately. Log payments, track balances, and Certo handles bureau reporting automatically.
What you get from day one:
- ✓ Signed agreement — legally enforceable
- ✓ Automatic payment reminders
- ✓ Every missed payment reported to all 3 bureaus
- ✓ Every on-time payment reported too
- ✓ Full balance dashboard
- ✓ CSV export
What happens after
The platform does the rest.
- Day 1
Signed. Both parties have the PDF.
- 3 days before
Automatic SMS + email reminder sent.
- Payment due
Lessor logs payment. Balance updates.
- Monthly
Payment data submitted to all 3 bureaus via Metro 2 — same format banks use.
- Missed
Bureau notice sent. Most people pay within 48 hours.
- Reported
Delinquent balance hits the credit report.
- Paid off
Closed, paid in full. Positive history stays on file permanently.
Disputes
Something reported wrong? Fixed within 30 days.
File at certo.cc/dispute. Certo investigates and corrects any inaccurate data across all three bureaus.
File a dispute →