Your compliance is manual.
Your collections are behind.
Your stores are disconnected.
FlexOwn fixes all three — one modern platform for RTO operators who want real-time control, built-in compliance, and collections that actually work.
COMPLIANCE
50-state rules
auto-applied
COLLECTIONS
8-bucket waterfall
auto-collected
MULTI-STORE
All stores, one
live dashboard
SELF-SERVICE
Customer mobile
app included
Sound Familiar?
Every RTO operator deals with these. Here's how FlexOwn handles them.
"I track compliance in spreadsheets"
State rules auto-applied — TX, CA, NY, FL, all 50 states
"I can't see what's happening at my other stores"
One dashboard, all locations, real-time
"Collecting payments is a nightmare"
Auto-collect monthly — card or bank, in-store or remote
"Every payment is a reconciliation puzzle"
8-bucket waterfall splits rent, tax, LDW, late fees — automatically
"Customers keep calling to ask their balance"
Mobile app & portal — they pay, check balances, request deferrals from their phone
"My software costs a fortune and still can't do half of what I need"
Modern system at a fraction of the cost — POS, payments, collections, all included
What Modern RTO Looks Like
The industry is evolving. Here's what's possible when your software works as hard as you do.
Real-Time Portfolio Visibility
Every agreement, every store, every dollar — live on one dashboard. Aging analysis, lifecycle stages, and payment status at a glance.
Compliance That Runs Itself
State rules auto-applied at agreement creation. Late fee caps, grace periods, disclosure requirements — enforced, not memorized.
Collections That Prioritize
Risk-scored queues that tell your team exactly who to call, when, and why. Payment promises tracked automatically. Fulfillment measured.
Customers Who Help Themselves
Mobile app for payments, balance checks, early buyout quotes, and deferral requests. Fewer calls. Happier customers.
Your Operations. One Screen.
Open FlexOwn. See your entire business. Make decisions.
Good — 1 store needs attention
This is what your morning looks like with FlexOwn.
Built for Every Part of Your Business
One platform. Complete lifecycle coverage. From first payment to full ownership.
Point of Sale
Payment Engine
Collections
Inventory
State Compliance
Customer Mobile App
Your Customers Help Themselves
Every "what's my balance?" call ties up your staff. The FlexOwn mobile app lets your customers pay, check status, and manage their agreements — from their phone, anytime, anywhere.
Pay Online
Card or bank — pay one agreement or all at once. No more phone calls.
View Agreements
See every item, payment schedule, progress bar, and remaining balance.
Defer Payments
Need more time? Request a deferral right from the portal — no store visit needed.
Early Buyout
See exactly what it costs to own it today. Tiered discounts calculated live.
Payment History
Every payment, receipt, and transaction — filterable and downloadable.
Smart Reminders
Email or text — customers choose when to be reminded. Fewer missed payments.
What this means for your business
Grow at Your Pace
Start where you are. Scale into what you need. Every plan includes upgrades, support, and onboarding.
Command
Take control of your operations
- Full RTO lifecycle — all 21 agreement flows
- POS terminal for in-store sales
- 8-bucket payment waterfall
- Multi-store management
- State compliance engine (50 states)
- Standard collections queue
- Inventory tracking with serial numbers
- Same-as-Cash tracker with alerts
- Employee roles & permissions
Elevate
Tailored to how you operate
- Everything in Command, plus:
- Agreement Hub — centralized lifecycle dashboard
- Payment Ops Hub — smart retry, disputes, arrangements
- Collections Premium — risk scoring, payment promises
- Auto schedulers — charge-off, suspension, NSF detection
- NACHA-compliant automated retry management
- Executive dashboards — cashflow, portfolio, aging
- Customer mobile app & self-service portal
- API Access — 5,000 calls/day
Foresight
See what's coming before it happens
- Everything in Elevate, plus:
- Predictive analytics — forecast defaults before they happen
- Customer Lifetime Value modeling
- Revenue forecasting & retention analysis
- AI agents for automated workflows
- Pricing optimization engine
- Vintage cohort & portfolio analysis
- API Access — 10,000 calls/day
See It Live.
15-minute demo. Your market. Your rules. No obligation.