Source International

What Source International does

Source International, Inc. is a privately held Florida corporation (founded 1992) operating as an independent sales and marketing organization that distributes three product categories to U.S. retailers and businesses through a network of independent manufacturer's representatives. Its core offering is CREDITSOURCE, a customer financing division providing primary, second-look (non-prime), and tertiary lending programs to furniture and bedding merchants nationwide since 1992, generating transaction-based revenue through financing arrangements with retailers and lending partners. The second offering is Product Protection Plans (PPPs), extended warranty and service products sold at the point of sale through Integowarranty, creating additional merchant margin on each transaction and aligning incentives between the merchant, the financing company, and the customer.

The third leg is identity theft protection, operated through three sub-brands launched in 2006: ID-Recover and IDTessentials are offered B2B2C as value-added products to financial institutions, associations, retailers, and utilities; Family ID PRO targets individuals and families direct-to-consumer at prices stated to be 50% to 80% below market. Identity protection revenue is subscription-based and serves over 1,000,000 monthly subscribers, while the PPP business is transaction-fee based. The GTM motion is sales-led with field representatives and digital inbound via a corporate website with a request-information form. No proprietary technology platform, no app, no API, no patents, and no AI capabilities are disclosed.

Name

Source International

Legal name

SOURCE INTERNATIONAL, INC.

Website

https://sourceinternational.net

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

Source International is a privately held Florida sales and marketing organization that distributes CREDITSOURCE customer financing, Product Protection Plans, and identity theft protection services to U.S. retailers and businesses through independent manufacturer's representatives, serving over 1,000,000 monthly identity subscribers.

Ownership category

akta.pro rank

Product category

Financial Services

NAICS

Sales Financing (522220), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant-Branded Installment Financing (Retailer Private-Label) (FSAKAFAA)

Keywords

• Customer financing services
• Identity theft protection
• Product protection plans
• Lease purchase financing
• Retail financing programs

Headquarters

HQ city

Palatka

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Customer Financing Services: CREDITSOURCE provides primary, second-look (non-prime) and tertiary customer financing to merchants nationwide, generating revenue through financing arrangements with retailers and lending partners.
2. Product Protection Plans: Product Protection Plans (PPPs) are sold through merchants as value-added products, providing additional profit on every sale for merchants and revenue for Source International.
3. Identity Theft Protection Services: ID-Recover, IDTessentials, and Family ID PRO provide identity fraud protection and resolution services to individuals, families, and businesses at discounted prices (50-80% below market). Over 1,000,000 monthly subscribers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Source International, Inc. is an independent sales and marketing organization that provides customer financing (primary, second-look/non-prime, and tertiary) to merchants nationwide through its CREDITSOURCE division, along with Product Protection Plans and identity theft protection products (ID-Recover, IDTessentials, Family ID PRO) offered as value-added services to retailers, financial institutions, associations, employers, and utilities.

Product overview

Source International operates as an independent sales and marketing organization utilizing multiple trade names. The core offerings consist of customer financing (via CREDITSOURCE), product protection plans, and identity theft protection products. CREDITSOURCE provides primary, secondary, and tertiary customer financing options to merchants nationwide. The identity theft protection portfolio includes ID-Recover and IDTessentials for business-to-business value-added programs, and Family ID PRO for direct-to-consumer identity fraud resolution. The company also offers a Premium Identity Theft Give-Away Program enabling businesses to reward customers with identity protection coverage.

Differentiator

Problem solved

Functional benefit

Brands

• CreditSource: Division providing primary, second-look and tertiary customer financing to merchants nationwide since 1992.
• ID-Recover
• IDTessentials
• Family ID PRO

Products and services

• CREDITSOURCE Customer Financing Provides primary, second-look (non-prime), and tertiary customer financing to merchants nationwide since 1992, allowing retailers to offer Lease Purchase and other financing alternatives to their customers.
• Product Protection Plans (PPP's) Extended protection plans offered to customers at the point of sale to provide added coverage on purchases, particularly large purchases and complex products. Provides additional profit for merchants on every sale and protects both the customer and the sales finance company.
• ID-Recover Identity theft protection product offered to financial institutions, associations, and retailers since 2006 as a free value-added service for their customers, including ID Theft Recovery Expense Reimbursement Insurance and Full Managed Recovery.
• IDTessentials Identity theft protection product offered to financial institutions, associations, and retailers since 2006 as a value-added service, featuring E-book Assisted Recovery programs alongside other identity protection features.
• Family ID PRO Identity fraud resolution service offered directly to individuals and families at below-market prices (50% to 80% below market), with options covering an individual or the entire family and no membership required to enroll.
• Premium Identity Theft Give-Away Program A value-added program enabling businesses to reward customers with identity theft protection coverage for purchases, credit card enrollments, merchandise purchases, account openings, and association memberships. Offers 90-day, 6-month, or annual coverage including ID-Recover Full Managed Recovery or IDTESSENTIALS E-book Assisted Recovery.

Quantifiable outcome

• Identity protection services priced 50% to 80% below market rates
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Acima Leasing: Acima Leasing, a subsidiary of Rent-A-Center, provides lease-to-own financing at the point of sale across furniture, appliances, electronics, and other retail categories. It competes head-to-head with CREDITSOURCE for non-prime retail financing volume.
• Progressive Leasing: Progressive Leasing is a leading virtual lease-to-own provider for retailers across furniture, bedding, appliances, and electronics. It directly competes with CREDITSOURCE's lease-purchase financing model, especially in the furniture/bedding vertical where Source International pioneered the category.
• Snap Finance: Snap Finance provides lease-purchase and installment financing solutions to retailers serving subprime and non-prime consumers. Its product positioning, target merchant base, and second-look financing focus overlap directly with CREDITSOURCE's offering.
• IdentityGuard: IdentityGuard (owned by Aura) is a consumer identity theft protection service offering credit monitoring, identity monitoring, and recovery services. It competes directly with Family ID PRO and IDTessentials in the direct-to-consumer identity protection market.
• Affirm: Affirm provides point-of-sale installment loans to consumers through merchant partnerships across retail categories. While Affirm targets prime borrowers and uses a different underwriting model, it competes for merchant financing shelf-space alongside CREDITSOURCE.

Broad incumbents

• LifeLock (Norton): LifeLock, now part of Gen Digital (Norton), is the largest consumer identity theft protection brand in the U.S. It directly competes with ID-Recover, IDTessentials, and Family ID PRO in offering identity monitoring and recovery services to individuals and families.
• Klarna: Klarna is a global buy-now-pay-later provider with broad U.S. retail distribution, offering installment and pay-in-later options at point of sale. It is a broad incumbent competitor in retail point-of-sale financing and overlaps with CREDITSOURCE's merchant-financing model.
• Synchrony Financial: Synchrony is one of the largest private-label credit card and retail financing providers in the U.S., serving thousands of merchants across multiple verticals. It is a broad incumbent competitor in retail customer financing alongside CREDITSOURCE's narrower lease-purchase niche.
• Bread Financial: Bread Financial (formerly Alliance Data Systems) is a major provider of branded credit programs, payments, and lending solutions for retailers. It is a broad incumbent in retail point-of-sale financing with overlapping merchant relationships.

Emerging players

• Afterpay (Block): Afterpay, owned by Block, offers pay-in-4 installment plans at retail point of sale with strong adoption among younger consumers. While its underwriting model differs from CREDITSOURCE's subprime lease-purchase approach, it competes for merchant financing partnerships and consumer wallet share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/source-international--inc-

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Source International