We provide a lease-to-own service for consumers, small and medium businesses, and education.
The consumer market for us is huge: 40% of the US Consumer market has credit that is consdered "bad" - but people still need technology for home, work, or school. Many of those people are good people and potential good risks for us. When they can't get credit, many choose rent-to-own, a $7.8B US industry, all brick-and-mortar. UpgradeUSA provides qualified customers a different option: an online technololgy leasing program - and we can help them build credit every month with all 3 US credit bureaus.
Startups, small businesses, and K-12 have similar challenges, so we've put programs in place to help them get the equipment they need, and the approval threshhold goes below traditional lenders, dollar-wise.
Our approach is disruptive and is working.