As a trailer dealer, your goal is simple: move inventory and help your customers get the equipment they need. But we all know the frustration of a deal falling through at the finish line. A customer walks onto your lot, finds the perfect utility or dump trailer, and is ready to buy, until the traditional financing application comes back with a "no."
Traditional credit-based lending can be a bottleneck. It limits your customer base to those with high credit scores and leaves behind the hard-working individuals and small business owners who may have had a few bumps in their financial past.
This is where the "Secret Weapon" comes in. At Hometowne Capital, we provide a Rent-to-Own (RTO) solution that helps you say "yes" more often.
The primary reason dealers lose sales is lack of access to affordable payment options. By offering a Rent-to-Own model, you aren't just selling a trailer; you are providing a path to ownership that doesn't rely on a credit score.
Our "no credit check" approach means that a customer's past doesn't dictate their future. Whether they are looking for a trailer for a new landscaping business or a storage shed for their growing family, we focus on their ability to make a simple monthly payment today. This immediately expands your pool of potential buyers to include those who might be avoided by traditional banks.
In the world of sales, momentum is everything. If a customer has to wait days for a bank to review their application, they might change their mind or look elsewhere.
We’ve designed our process to be as fast as your customers’ needs. Our easy online application is minimal and straightforward.
To get pre-approved, all your customer needs is:
It’s that simple. We might ask for additional information in specific cases, but our goal is always a quick turnaround so you can get that trailer off your lot and onto the road.
Every customer has different financial needs. Some want to own their asset as quickly as possible, while others need to keep their monthly overhead low to maintain cash flow for their business.
Hometowne Capital offers flexible terms of 24, 36, and 48 months. This flexibility allows your customers to choose the plan that fits their budget, making the purchase feel affordable and manageable. By spreading the cost over time, high-ticket items like heavy-duty flatbeds or specialized trailers become accessible to everyone.
We don't just provide a service; we build partnerships. Hometowne Capital currently serves dealers and customers across 24 states, and we are continuing to expand. When you partner with us, you gain a dedicated team focused on your success.
The benefits of becoming a Hometowne Capital partner include:
Our solution is designed to be a simple, meaningful addition to your business model. We believe in providing a solution that helps people have the things they need to succeed, and we want to help you be the one to provide it.
If you’re ready to stop turning away customers and start closing more deals, it’s time to add the Hometowne Capital Rent-to-Own program to your dealership.
Becoming a partner is a simple process that can yield a unique value for your business. We are committed to being a helpful, guiding voice for both you and your customers, ensuring a simple path to ownership from the first signature to the final payment.
Ready to grow? Apply to become a Hometowne Capital partner today.
At Hometowne Capital, we are more than just a financial service provider. We are your partner in growth, helping you provide the affordable, accessible solutions your customers are looking for. Let’s work together to make ownership a reality for everyone.