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A consumer contract or retail installment agreement is a contract that allows a consumer to pay for a business' product or service over time in fixed monthly installments.

Your consumer contracts are salable assets.  We have investors who specialize in purchasing these types of contracts, especially portfolios, allowing your business to receive funding in advance.

Do you have a service business like a Karate or Dance studio, Health or Country club, Vocational or Technical school, or Dating service?

Do you own a retail business which sells high ticket items, such as satellite dishes, computers, or jewelry?

If so, there are investors waiting in line to buy your contracts.

Dennis Capital also has investors who would like to purchase portfolios on a repeat basis – which would allow you to offer your clients in-house financing. Many of our investors also offer optional billing and collection services, providing the opportunity to lower or hold down overhead costs associated with offering customers installment options.

If you elect to sell your contracts to increase your bottom line, there will be no debt created on your balance sheet.

Contracts to customers with marginal to good credit are preferred, although some will invest in portfolios of delinquent or subprime credit customers – albeit at a higher discount. You do not have to sell all of your contracts; let us help you structure a plan where only the contracts which command the lowest discount are sold.

Our investors only purchase consumer contracts which are legally binding and indicate all of the following:

  • Interest rate the customer must pay
  • Total amount he or she must pay
  • Length of the contract
  • Amount of the monthly payment
  • Applicable late charges
  • Down payment received
  • Cost of the product before interest
  • Early payoff charges, if any
  • Date of first payment and regular payment due date
  • Cancellation/refund clauses

Contact us via Email

info@denniscapital.com

Or Call (651) 462-4454

Contact us today to request an evaluation
of your portfolio!

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