Welcome to 4 Sales Finance
Send us your turndowns and let us find financing for your customer.
Call us at 800.867.2216
Hybrid LeasePurchase
Not Rent-To-Own
“The Hybrid LEASE/PURCHASE (“HLP”)alternative financing option is NOT Rent-To-Own.” Customers coming into your store are there to BUY, not rent! RTO has an invoice multiple of 300% …. That’s $3,000 on a $1,000 invoice for 24 months! The HLP takes your customer to a 1.8 multiple for only 12 months; they own it in 12 months!
HLP offers 90 Day Same-As-Cash for the invoice amount or a payoff at any time after 90 days for 65% of the HLP balance!
Sales Finance Illusion
HLP is a better choice for the credit-challenged customer. Did you know that on a $1000 retail invoice the sales finance transaction will take your customer between 60 and 72 months to pay out, with paid-in interest from $444.00 to $474.00? And this is on your better customers! The HLP customer will own their purchase years before your “better” customer!
Credit Decisioning
Don’t make economic decisions for your credit-challenged customer. Give them the HLP option and you’ll be surprised at their choice!
HLP Support
We provide Sales Training to give your sales associates the knowledge, skills and confidence they need to make your HLP program a high-yield success for them and your store!
“HLP Outperforms for the Credit Challenged!”
“How much did you make when your primary lender rejected your customer’s credit application”
Key Benefits:
- 65% or more of your primary’s turndowns are approved!
- More word-of-mouth advertising from happy customers!
- Happier Sales Associates!
- Greater advertising/sales efficiencies = greater profits!
Main Features:
- Hybrid Lease/Purchase!
- 90-Day SAC !
- After 90 days, payoff = 65% of Lease balance!
- 12 month payout!