Give your customers credit for every payment they make.
Offer a real benefit. Get paid on time because of it. Equipment rentals, RTO, vehicle leases, service plans, private loans — all on one platform.
The core idea
Banks get paid first because of one thing. The credit consequence. Now you have it too.
3×
Higher repayment on bureau-reported agreements
48 hrs
Average time overdue customers pay after a notice
800M+
Alt credit pulls/year — lenders want this data
The line that closes customers:
"Your payments build your credit."
Say it at the counter.
Authorization rates go up.
Payment rates go up.
Customers come back.
One platform
Build credit with every payment.
Apartment Rent
Build your credit score by reporting your monthly rent.
Equipment Rentals
Build credit every time you pay for that skid steer, trailer, or generator.
Furniture Rentals
Turn rent-to-own furniture payments into a stronger credit score.
Vehicle Rentals
Build credit by reporting your private vehicle lease payments.
Land Rentals
Build credit by reporting payments on the land you rent.
Private Loans
Build credit by reporting every payment you make to a private lender.
"Our late accounts dropped 60% in the first quarter. The credit reporting piece is the whole game."
James Okafor
Okafor Equipment Rentals · Dallas, TX
"My customers asked for years if their payments counted toward credit. Certo was the answer — and my on-time rate went up with it."
Sandra Reyes
Premier Home Furnishings · Phoenix, AZ
"He paid off the full balance early because he didn't want it sitting on his credit report."
Marcus Webb
Northgate General Contracting · Seattle, WA
Start with your next agreement.
Free to create. No setup fee. No monthly minimum.