Second Look Financing

Fortiva Financial specializes in providing second look financing to underserved consumers.

Furniture Financing

Get instant approvals on furniture financing with Fortiva even with bad credit score.

Medical Loans

At Fortiva Financial, we care for you and gives you option for medical financing with host of benefits and features.

Retail Financing

Fortiva gives its customers access to powerful features and various payment options with its retail financing.

Thursday, 16 October 2014

Consider Subprime Loans; Solution of Bad credit History

Credit limits are shrinking and financers are not as open to lending as before, Subprime loan schemes are making a huge comeback with tight lending standards ruling the economy. Not only are finance pundits bringing these back as a virtuous move, it is sure to benefit health-related finances and retail sector. And these interest rates won’t haunt borrowers! Get yourself a better financing budget now.

If you have long struggled with those credits and can’t find a way to get rid of them, Subprime loan could be your hands-on solution. Ever thought of a smoother alternative to all those credit needs? For all those numbers that cannot be provided by your traditional financer, you can now seek help that assists customers and patients with strong financial solutions.

These Loans Benefit Both Parties

Don’t sacrifice your health just because you don’t trust your financer. Find a financing institution that gets you the kind of medical benefits you deserve and support you need. When you are looking for health finances, you want someone who can work in accordance with the way you settle your bills and keep records. This is what a Subprime loan does for you. With minimum efforts on your part, your work gets done as these loans take care of all the financial hassles you face. So you will have healthcare when you need even if you have been declined help from other providers.

Helping Retailers Achieve Their Dreams

The fact that lending financing options in the retail sector have significantly reduced in the last few years won’t affect your business now. You can now go for Fortiva subprime loan schemes that help your work more effectively. Once you have a financer helping you with this, they use updated features like automated funding and online applications that help you deal with loan process easily.

Wednesday, 1 October 2014

Why Retail Lending is Crucial For Your Business

The importance of retail lending from business point of view cannot be undermined. There are a number of factors that affect the growth of a business and retail lending is one of those. In this article we are going to be talking about why this is the case and why and how retail lending contributes towards boosting a business. The idea is to share insight and knowledge in order to understand the concept better and the nuances of it.

For people involved in the retail industry the term ‘retail lending’ is an everyday concept that is often used. For the common man though, the whole idea of retail lending can be a little unclear and confusing. Given that, before we get to the point of elaborating on why retail lending is an important factor for business growth, we need to start by explaining what retail lending actually is.

In simple words, retail lending refers to the practice of lending or loaning out money to individuals by banks and other credit institution for the purchase of consumer goods such as automobiles, home goods, homes and other such things. The loan that the institution gives out depends upon the credit rating of the individual.

Retail lending forms a big part of the lending activities of institutions especially banks simply because of the fact that the availability of credit and the number of products offered for retail lending have grown considerably in the last few years.

Talking about the importance of retail lending from business point of view, the relationship is quite evident and rather self-explanatory. In the times that we live and with the cost of living going up with each passing day, more and more people are looking towards outside help to maintain a standard of living. While on one side this has led to a considerable boost in the purchasing power of the common middle class individual, on the other hand it has also led to the increase in the importance of the role that retail lending playing in the overall growth in the consumer goods sector.

Keeping that in mind, it would not be incorrect to say that retail lending is in a lot of ways responsible for fostering economic activity and growth. There is a direct relation between the ability of people to buy and the growth of business. The more they purchase, the greater the profits and the bigger the boost to the business. And this purchasing ability is directly related to the existence of retail lending.

The loans that are given out in retail lending are secured, in saying so, that some sort of collateral is pledged for the duration of the loan. This is the back up that the lending institution has in case the individual is unable to pay back the loan in time or at all.

Retail lending is like a boon for individuals who are looking to purchase goods and have some sort of a back up but not the entire fund so to speak. It helps in creating a lifestyle for a person as well as generating business for an organization. This is a two fold objective and fulfilling on both levels.

To know more about Retail Financing you can visit

Saturday, 27 September 2014

Points to Consider while Applying for Patient Loans

Patient loans are a very convenient method to pay the hospital bills when unfortunately you or your near and dear ones fall prey to a grave ailment. In spite of being an easy option some points should be kept in mind to prevent running from pillar to post later on.

A good medical treatment is a luxury nowadays as the hefty hospital bills are enough to burn hole in one’s pockets. Patient loans are the next generation financial aids that are now being offered by corporates and financial firms to put a full stop to the patient sufferings and avail the best medical facilities in every circumstance. There are some points to keep a check on while opting for a patient loan, they are as follows:

Your credit score:

Credit score is basically the capacity of the person to repay the patient loans. It is a vital statistic that will let you know if you are eligible for the loan or not. Credit score is calculation is based on numerous factors like your income, your job status, designation etc. The higher the score more are your chances for getting a patient loan.

Desirable credit factors are:

  • No delayed disbursements or history of unpaid accounts.
  • Time-honored credit account
  • Several open accounts in a decent position
  • Very less utilization of the credit.

Undesirable credit factors are:
  • History of several payable accounts.
  • Extensive use of the credit.
  • Plentiful fresh requests for credit.

Interest rates:

Interest rates can be inversely proportional to your credit scores as a low credit score signifies lesser chance of loan repayment. Rate if interest for a patient loan may also vary from lender to lender. Confirm the interest rates so that you end up paying the lowest ones.

Corporate tie-ups:

The corporate linkups are also an imperative parameter to keep an eye on while considering applying for a patient loan. Your hospital or healthcare provider may have some   professional connections with loan providers that can offer you the best assistance and service customized according to the norms of your hospital.

Patient loans should be such that its repayment is convenient and does not lead you to a situation like from frying pan to fire. So it’s very essential to be on the ball with the options available today. To know more, you can also visit

Sunday, 27 July 2014

Retail Financing Shows Signs Of Growth

Retail financing is on the upswing and there is good reason for that. As more and more retailers are beginning to understand the positive effect that retail financing can have on the business, the implementation of the process and incorporation into sales strategy and process is on the rise.

For any retailer, retail financing comes a good effective solution to convert those consumers into sales who do not have the financial ability to buy things at one cash down payment. By giving them finance options that helps them to easily pay off the loan over a period of time, the consumer ends up getting the goods that he wants, when he wants them and the retailer ends up making a sale and driving profits.

As it is, because there is an interest charge on the credit amount the risk of the retailer is bare minimum and what that means is that since their bases are covered they are more than willing to encourage and participate in the process of retail lending.

Before a loan is approved the credit rating of the consumer is checked as well as a host of documents are verified so the chances of things going wrong and the money being lost are very low.

Retail lending has given a boost to the overall industry by facilitating the steady movement of goods as well as driving up profits. In the end it ends up being a happy party for one and all.

Have a retail business and looking for higher profits? Explore retail lending today and increase your customer base right away!

Wednesday, 23 July 2014

Do You Really Need a Furniture Loan?

If you are contemplating on overhauling your home or investing on a set of new or used furniture for giving it a different look a furniture loan may be a viable option to help you finance the high priced furniture items. Furniture pieces typically come in high price denominations and seem out of budget for many who cannot afford to pay the costs upfront. Paying with your credit card may seem to be a convenient option. But when it comes to weighing the disadvantages of purchasing via credit card you may find yourself landing with huge liability over your shoulders when you have to pay high interest rates. Contrary to credit cards furniture loans come with much lesser interest rates and can be sourced conveniently through your furniture dealer who may even offer you hundred percent financing without any down payment.

The positive side of furniture loans is that they are short term loans and hence your will not have to bear the burden for several years. Once you pay off the full loan amount at the end of a year or two you can also witness a rise in your credit score, a fact which especially helps those with bad credit scores. However, the downside with furniture loan is that since they are secured loans against those very furniture pieces you are purchasing, in case you fail to repay the loan within the stipulated date, the interest rate will increase or your assets seized. Yet, availing furniture lending is a much convenient alternative to taking personal loans with high interest rates or to go for a credit card purchase as reiterated above. With such a loan at your disposal, your dream home can well become a reality without exhausting your savings account or waiting for the day when you would have enough funds cached to buy the furniture of your choice.

Worried about your bad credit score affecting your chances of getting an approval for your furniture loan? With Fortiva Financial as your finance partner, you can augment your chances of approval and obtain the furniture that you wish to deck your home with.

Monday, 16 June 2014

Patient Financing - Best Way to Resolve Sudden Emergency Treatment

Whether you met with a severe accident or have a close relative who just suffered a heart attack, patient financing can prove to be your best financial and medical companion at such times of crisis. The costs of medical procedures are escalating and many individuals are rendered helpless in critical situations when they do not possess health insurance coverage to provide for the high expenses of such treatment. Healthcare providers and institutions too are compelled reluctantly to turn down their patients who arrive without having sufficient funds at their disposal to pay for the treatment. The result- several patients simply die or suffer lifelong due to non-availability of the right treatment at the opportune moment.

Patient loans are therefore designed in a way to cater to the emergency needs of patients who can opt for the same through the healthcare institutions itself if they find the costs are too much for them to bear. The medical institutions proffer the loan by partnering with financial institutions which design different patient financing programs for borrowers to choose according to their convenience. Since these loans do away with the rigorous credit checks that brick-and-mortar financial institutions and banks are liable to, they get approved in most cases thus coming as relief to patients. They can then pay the upfront medical expenses with the loan amount and opt for the treatment and repay the loan over time through convenient monthly installments, which do not pose such burden on their shoulder. This does away with any inconvenience faced when emergencies crop up without warning and takes away the stress of financing the huge medical bills. Thus, patient financing comes as a big relief in such times when emotional and physical sufferance of experiencing or seeing your dear ones undergo critical treatments is quite high.

When choosing a patient loan it is important to go for a reputed lending company who not only proffers you the loan during such exigencies but also ensures optimum services throughout your loan term. If you are in need of patient loan at any point of time, Fortiva Financial can be trusted partner to alleviate all your financial worries at those critical moments.

Friday, 13 June 2014

How to Take Care of Your Furniture

You opted for furniture financing to buy those delightful pieces of furniture to turn your hearth into your dream home a few years back. But through years, everyday wear and tear, your pets and children tend to make it drab robbing it of the glamour and shine which they bore when you first brought them home from the store. However, with little efforts and daily care you can keep them looking nice and tidy, while keeping heavy cleaning or splurging on professional cleaning services at bay.
To ensure you free your furniture of dust and accumulated dirt without maiming them dust the wooden furniture everyday or as frequently as you may deem necessary and stave from using harsh chemicals, which may damage the surface.

Upholstered furniture should be cleaned through vacuuming ensuring food particles and other stuffs are not accumulated inside the cracks and crevices.

If you notice grime or greasy oil from wooden furniture, clean them off with a natural sponge by soaking it in water and oil soap and gently rubbing off the grime and grease.

It is best to keep your furniture away from direct sunlight unless they are meant for outdoor patio purposes. In order to prevent the moisture from beverage bottles and glasses from leaving ring like marks or a heated pan or dish from maiming the wood finish it is worthwhile to use coasters and rivets when placing such sweating glasses and hot dishes. Similarly, tablecloths and mats can act as barrier to any kind of stains or spills.

Although you might tend to relax and throw your body on the cozy corner of the couch, that particular portion will soon start depicting signs of wear. To avoid this flip and swap cushions frequently and also ensuring reorganizing the upholstered pieces of furniture once or twice a year to accomplish uniformity. To add the final touch to your furniture and maintaining the asset which you bought with the furniture credit use polish or wax to lend your wooden furniture the original shimmer and shine.

Wish to endow your home with the furniture at the store that has tugged at your heartstrings? Fortiva Financial can help you realize your dream home through its easy and reliable furniture financing option.

Tuesday, 27 May 2014

Points to Consider When Applying for Patient Loans

patient loans
Patient Loans
More and more people in America cannot avail medical care and benefits because of the overwhelming costs. But not anymore! A number of moneylenders and financial institutions offer patient loans, either directly or through healthcare providers, ensuring that the best medical care can be availed without burning a hole in pocket. These are some of the pointers that an applicant must consider while applying for loans-

Credit Score

The basic criterion for loans in US is the credit score of the applicant. Individuals must calculate their credit score through one or two dimensions to understand whether or not they can get loans solely on their score. For instance, if you have a low score, you should only look for lenders that offer second-look financing and patient credit for individuals with lower score. This will increase your probability of acceptance and ensure that you don’t have to run from pillar to post for the loan.

Rate of Interest

Rate of interest is higher for individuals who have a low credit score, primarily because they are considered risky by the lenders. Therefore, discuss rate of interest beforehand with a number of companies to ensure that you can choose the one that offers lowest possible rates.

Healthcare provider

It is recommended that you choose a healthcare provider who works as a partner with the financial company. A provider working with your moneylender will offer you better services. This enables the company to keep a track of your health developments and monitor, organize, report and record your billings.

Our company, Fortiva Financial has 15 years of experience in second-look financing and medical lending among other facilities. Visit our website for details.

Saturday, 17 May 2014

Smart Tips For Subprime Credit Borrowers

With a few companies opting for proprietary credit scores and multiple risk-assessment systems, subprime borrowers can now get faster approval for their loans. But if you have availed a subprime loan, make sure that you follow these simple, smart tips to ensure that your overall credit score improves in the long-run.

Check your credit report
It’s simple! You must regularly check your credit report to understand and assess if your scores have increased or stabilized. Subprime lending indicates that you either have debt issues, bad credit or inconsistent repayment of loans. Therefore, ensure that such issues are tackled. Also, credit scores are prone to errors. So, checking them regularly can help you deal with any errors immediately.

Down payment

Want to improve your credit score? If you are a subprime credit borrower and you are purchasing an item, such as a vehicle or a property on your loan, make sure that you make a large down payment. This increases your chances of availing a subprime loan, improves your overall credit score because a large down payment indicates your willingness to repay and reliability. At the same time, it decreases lender’s risk and therefore, you can avail lower rate of interest.

Budget first, lender later

Before you go ahead and research about lenders, make sure that you plan your budget first. Get the idea of affordability and then start searching for a lender. This makes the credit purchase easier to manage.

Our organization, Fortiva Financial offers subprime credit among other financial services. Visit the website for details.

Tuesday, 22 April 2014

No Credit Check Furniture Financing

Revamping your home and increasing the value of your property requires investment in furniture. But most people shy away from applying for furniture loans and finances, thinking that it would require a credit check. While it is true that a number of regular companies can deny you loans when it comes to furniture purchase and property investment, there are a few organizations that perform no credit checks or conduct multiple credit checks for risk assessment. This ensures that your chances of loan approval are higher.

To get furniture financing without credit checks, research internet and find out a list of companies that offer their own credit score calculators and use multiple assessment techniques to offer better chances at securing loans. And if you are a furniture seller who wishes to sell multiple products and seeks to reach a broader range of buyers, then all you have to do is team up as a partner with a lender that provides loans without credit checks or through multiple credit scores. This will ensure that you can get more buyers and expand your options in different markets.

Opting for a company that provides loans without credit check or after assessing multiple data sources guarantees more clients and better furniture purchasing power, ensuring that buyers can enjoy more profits while transforming their house into a home.

We at Fortiva Financial offer a variety of loans, including financing for furniture. A variety of data sources, aside from credit scores are used for assessment. For more information, visit the website:-

Friday, 18 April 2014

5 Things That Won't Hurt Your Credit Score

Most people believe that issues such as overdraft or alimony can hurt their overall credit. But this is just a mere myth. Here we provide a list of five things that won’t hurt your credit.

Overdraft facility from your bank won’t really hurt your credit score, if you settle the payments on time. But if you don’t then your score will probably take a hit.

Most people believe that insurance premiums can hurt their credit score. But this is just a myth! Even though your insurance premiums are used for making decisions when it comes to credit lending, most companies don’t discuss or report your timely and untimely payments to the lender. A number of companies offer subprime loans even if you don’t make timely payments to insurance company.

Of course, income is one of the determining factors for credit lending, but it wouldn’t affect your score. Having a higher or lower salary doesn’t necessarily affect your score. However, it would influence the amount of loan you will receive later.

Child Support
 Alimony and child support isn’t going to affect your score unless a collection agency isn’t involved. Otherwise, your score can drop significantly.  Still, a number of companies offer subprime loans after assessing risk profile through certain credit calculators.

Interest Rate
Higher or lower rate of interest on your loans doesn’t affect your scoring. Instead, it is vice versa with score determining the rate of interest for your loan.

We at Fortiva Financial offer credit assessing multiple score profiles and data. For more information, visit the website:-

Thursday, 27 March 2014

5 Tips to Make the Best of your Furniture Loans

If the lack of sufficient available funds at hand is posing as a hindrance for you to purchase furniture needed for your home, furniture loans can be a convenient means of acquiring such high price items. While most reputed furniture chain stores proffer their customers the privilege of acquiring furniture items through such loans, the proposition becomes a difficult one for those individuals with blemished credit records.

If you too are finding it hard to acquire a furniture loan or looking for the right place and the right ways to make most of it, take a quick peek into the following tips.

  • First, to ensure that you are increasing your chances of getting your furniture loan approved target small store owners in your local area rather than attempting to hit big furniture stores. This is because the latter may not have the time to carry out in-depth reviews of your creditworthiness since they already have large influx of customers with good credit scores to meet their needs. Small store owners will be more than glad to help you out since that would mean an increase in their number of customers as well.
  • Secondly, there is no dearth of financial institutions which specialize in providing loans to subprime borrowers. By taking loans from such lenders you will have the opportunity to opt for plans that suit your current financial conditions as well as taking into considerations repayment schedules that will not pose to be further burden on your shoulders.
  • Research online or otherwise for reliable furniture lending companies to ensure that you are not dealing with a company which may dupe you later or surprise you with hidden charges by showing apparent low interest rates initially.
  • Although easier said than done, but it pays to have as much funds as possible for making the down payment before taking up a furniture loan. While this would lessen your loan amount, it would also increase your chances of getting your loan approved.
  • When you have got your loan approved make sure to have a proper budget plan done on monthly basis so as to curtail on any additional expenses and try your best to repay the loan on time so that your credit records improve and you do not maim it further.

Looking for furniture loan? Fortiva Financial is just the company you need to look for high approval rates and convenient custom furniture loan plans to deck up your dream home with the furniture you desire.

Wednesday, 26 March 2014

What is Subprime Credit?

Subprime credit refers to loans proffered to borrowers who do not belong to the “prime” status of lending that is whose past credit records depict some sort of delinquency in repayment of loans and therefore pose to be high-risk borrowers for lenders. Subprime loans come with higher interest rates which are taken as a sort of security by the lenders since they are taking high risks by lending to this category of people.

According to financial regulators subprime borrowers are those who show up FICO scores of 640 or below, have records of 2 or more repayment defaults in 30 days over a span of last 12 months or one 60-day faltering over 24 months and has 50 percent or more debt-to-income ratio. In addition, individuals who have had faced a charge of foreclosure or has struggled under bankruptcy in the past 24 to 60 months are also often considered subprime. The criteria for lending subprime credit vary from one financial institution to another since different organizations take into consideration varied aspects before giving out loans to those belonging to the subprime sector of credit lending. In most cases subprime credit is given looking into a steady, current income flow of the borrower, his existing debts and consequent income-to-debt ratio which determines how much additional burden he can take on his shoulders after paying off the present debts and other such factors.

If a borrower depicting poor credit score does get approval for a subprime loan, he or she can use it to the optimum to rectify the past financial delinquency and therefore improve the credit score through regular, timely repayments of the loan. If you are looking for subprime credit, Fortiva Financial can be your reliable finance partner with high approval rates and flexible repayment schemes for meeting your finance requirements without any hassle.

Monday, 24 February 2014

What is Second Look Financing?

At present lending companies across the nation are giving out second look financing aid to their customers. People with subprime credit scores can make use of these financing options as these solutions have been specially designed for low credit holders. Unlike most lenders who check the credit score of a loan applicant from just one or two credit agencies, these unique lenders check the scores from several bodies.

It is an exceptional way of evaluating an applicant’s creditworthiness; this particular applicant would have been rejected numerous times by other regular lending agencies and banks. Second look loans are offered by some companies such as Fortiva Financial; these financial organisations have a proprietary model of evaluating credit scores that are built from an array of data sources. This type of multiple credit score evaluation helps the lender to create a comprehensive and accurate profile of the applicant. On the basis of this data, the loan gets approved under a second look scheme.

Such second look loans are a boon to the applicants for they help people out of crucial financial crunches. Besides, organisations offering out such services are also benefitted for they can build the business in many ways. As a result of a greater number of loan approvals, people can accomplish better business and augmented sales. Lastly customers who get to secure credit through such lending agencies also showcase a sense of loyalty which ultimately becomes a lucrative return business proposition for companies.

Hence second look financing is a great stepping stone for both applicants and businesses because both get a chance to develop together.

Friday, 21 February 2014

Advantages and Disadvantages of Subprime Loans

If you are hit by your low credit score, the most probable source of obtaining finance is a subprime loan. Subprime loans are finance offered to borrowers who do not depict a sound financial standing or a blemished credit history and are denied loans on normal grounds. Those who require non-traditional mortgage finance can also apply for subprime credit which are mostly extended by private lenders or banks and come with augmented credit risk. However, before you apply for one, it is beneficial to weigh the advantages and disadvantages which such loans bring you.

Advantages of Subprime Lending

Easy Approvals: The main difference between prime loans and subprime lending is that the former involves the requirement of higher credit scores which generally goes above 620 as calculated by the Fair Isaac and Company (FICO), while the latter can be approved with lesser scores as well. This is to say that borrowers who have credit delinquency records and have been turned down by most high-street financial institutions for prime lending can apply for subprime finance whereby lenders look into a wider spectrum of factors by taking multiple credit scores and the likes.

Usefulness in Meeting Debts: Many a time borrowers drowned in debts and unable to obtain money from prime lending sources can do so through subprime loans and thus use the funds to pay the outstanding debts to avoid letting their credit scores go further down. By paying off the existing debts, one can focus on repaying the loan from subprime lending with timely payments, hence going forth with the aim of fixing their poor credit history.


Although subprime loans may seem to proffer borrowers declined by other regular resources with a positive direction, yet they come with a number of disadvantages as well. The major drawback of these loans is their high rates of interest which are charged by financial institutions or the subprime lenders as a security measure against approving loans to those who pose greater risks for defaults. They also come hand in hand with higher processing and other fees and require enough evidence of having a steady flow of income to be able to pay off the monthly installments according to the payment schedules.

For subprime loans with highest approval rates and affordable interest charges, look no further than Fortiva Financial, your reliable financial lending partner.

Monday, 27 January 2014

7 Tips for Getting Instant Medical Financing with Bad Credit

There are strict laws and rules that govern the medical loan requirement clauses today. Yet with the help of the following tips, one can access easy medical financing.

1. Several companies offer easy medical financing like Capital One, Citigroup and the CareCredit unit of General Electric. Other companies like UnitedHealthcare have special credit plans for their own insured members.

2. Having a word with the respective medical practitioner for proper guidance regarding which lending body to approach is advisable.

3. Low interest medical financing loans can be availed by patients if they guarantee to make the payments on time and close the loan on the provided schedule.

4. Patients must never redirect their medical bills to a credit card. Instead a long term medical financing must be opted.

5. Complying with the Terms of Reference (TOR) attached to the loan is a must. This is a mandatory legal requirement that makes the process fully transparent.

6. In case a borrower is unable to pay off a loan on time, he or she must offer legitimate causes for the default.

7. Last but not the least a patient can approach select online lenders who offer out bad credit loans. Such companies like Fortiva Financial are ever ready to extend help to high risk customers with their bad credit loans. This is because they cross check the credit score from more than one source. It is just that an applicant just has to protect the credit ratings as much as possible.

Without too much to worry, patients can easily afford a costly medical procedure. Hence taking help of the above medical financing options will let applicants with bad credit scores breathe a huge sigh of relief.

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Friday, 24 January 2014

Second Look Credit -Way To Credit Score Improvement

Credit score is a vital data that is used by loan companies across America to determine the creditworthiness of an applicant. People with sub-prime and mediocre credit scores generally get rejected by loan lending organizations. But this situation can be corrected by improving a credit score to avail second look financing. For this first of all a borrower must obtain a valid credit report and a score from a national credit bureau. The score must be a real FICO one; this can be obtained by conducting an online search for Transunion, Equifax or Experian. Secondly one must avoid getting lured by pre-approved" credit card offers for credit score decreases through it.      
Fortiva Second look Credit

Transferring balance from one credit card to another is unadvisable for this strategy gets you 0% interest on your balance for a period of time. Instead having long standing and established accounts with some balance provides a good overall picture to the credit bureaus. Similarly investing in assets such as a land or property is way better than living in a rented accommodation. Besides, married people who live at the same address for some time have a positive credit history.

One must try to pay off all the loans like one can refinance the cars, get rid of all new credit cards, design a monthly budget and stick to it. Thus one can be a little patient and wait for the credit scores to improve because with time things always get better. To make the process easy, one should keep paying their bills on time, restrict all credit card purchases to 30% of the balance available on it. Second look credit score after all this hard work will definitely be much better than the original FICO score.

Wednesday, 1 January 2014

How to Get Best Deals on Furniture Finance?

Buying furniture is a big investment, especially when you’re suffering from bad credit. A possible solution to this would be getting your furniture financed. Though getting furniture finance is a battle in itself and to get the best deal you’ve to know a lot more than just having an idea about it. Here are some tips that’ll help you to getting the best deal on furniture finance:

Find a small, local furniture lender
Try to stay away from big stores for buying furniture. Firstly, they’ll not be interested to giving you lending options and secondly they’ll always have costly furniture that’ll increase the total finance amount. Small and local furniture vendors will definitely have less in terms of options but they’ll offer buyable options within the budget. 
Save as much as you can
Even with a bad credit, it’s important that you save as much as can for a down payment. Lenders are ready to give small loan amount to buyers who’ve a bad credit score. On the other had even with a good credit score, it’s always good to pay as much as you can.

Get familiar with your credit score
With no knowledge about your own credit score, it’s possible that any lender can fool you by charging higher rate of interest. Therefore, it’s good to know your credit history and present score in order to get the best rates.
Investigate about the lender
Check on anyone you are about to approach for furniture finance. Search online to know what present and past customers have to say about the lender. This will help you make an informed decision.

Following these tips will help you fetch the best deal and you can happily shop for your furniture.

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Tips to Get the Most Out Of Retail Finance

Retail finance has been there for some time and it has allowed many companies, retailers and merchants to make their products more affordable to their customers. Retail finance, is likely to boost the turnover, should it be used wisely. Here are some tips on how to get the most out of retail finance:

1) Pick up the best lender 
In order to have maximum benefits out of retail finance, the first and most important thing is too pick the best lender. Check lender’s market repo, history and customer feedback. Also make sure to compare various lenders to form a better picture.
2) Look for dealers with more options
Dealers have a number of options for providing retail finance to their customers. To strike a profitable deal, it’s best to have as many options as possible. More options will help in calculating the profitability and turnover through different ways.

3) Apply online 
Online retail financing is instant without any kind of delays. Customers are given finance options by the retailers and they are required to fill credit application form. Customers complete the form with an e-signature and they get an instant decision from the retailer. The whole process is easy and hassle-free which saves customers time and helps them in availing instant benefits.

4) Avoid the most common mistake
The most common mistake that usually people commit is to start thinking that the business would return millions of profits in a short span. Every business cycle takes time and therefore be patient and allow the business to grow.
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