Reclaim Capital

Your Financing Partners
Are Not Your Partners.

Every MDR point you pay is revenue earned by a company with no stake in your success — and every customer they decline is a sale you'll never know you lost. There's a better way.

Calculate My Savings → See the Problem
15%
Typical second-look MDR — half of which could stay with you
+49%
Gross profit increase when replacing second-look financing in-house
$0
Credit risk you carry — Reclaim Capital holds the receivables, not you
The Opportunity

Three levers. Any combination. All working for you.

Strategy A

Replace Second-Look Financing

Cut your installment MDR from ~15% to 7.5% and capture the customers declined by FICO-based underwriting. Conservatively a 49% gross profit lift on that segment.

+$300 / $4K deal
Strategy B

Replace BNPL Financing

Cut BNPL MDR from ~8% to 4%, offer true 0% APR, and own the customer relationship and payment data instead of giving it to a third party.

+$64 / $1.6K deal
Strategy C

Better Lease-to-Own Terms

Add a competitive lease-to-own option alongside your current provider. Better consumer terms mean more leases close — unlocking customers who currently walk away from pricing that can reach 2x the retail price.

+$40 / $4K deal
The Reclaim Capital Principle

Our MDR covers our hard costs — underwriting, servicing, compliance, and customer remarketing. We operate at near-breakeven. The profit belongs to you, in the form of more delivered sales at full product margin. Your financing program. Powered by Reclaim Capital. Invisible to your customer.

Ready to keep your margin?

Every engagement starts with a custom financial model built on your actual volume data.

Book a Strategy Call →