What RTBShopper does

RTBShopper is a privately held, online rent-to-own (RTO) e-commerce marketplace headquartered in Sheridan, United States, that enables consumers to lease electronics, furniture, and appliances through weekly, bi-weekly, or monthly installment plans culminating in ownership. The platform carries an extensive catalog of more than 10,000 appliances and several thousand electronics SKUs spanning laptops, tablets, desktops, gaming PCs, televisions, audio equipment, cameras, cell phones, health and fitness gear, mattresses, garage and outdoor goods, and fine jewelry. Its primary differentiator is no-credit-needed access: customers can apply online, receive an instant approval decision in roughly two minutes, and obtain same-day delivery or pickup on qualifying items through partner retail locations, with free standard delivery on most products.

The underlying technology is a self-service e-commerce storefront at rtbshopper.com with integrated checkout flows connecting customers to two third-party financing partners — Progressive Leasing as the primary lease-to-own provider and Terrace Finance as an alternative — that underwrite and carry the credit risk. Maximum single-customer financing approvals reach up to $5,000, with payment plans ranging from approximately $6.95/month for small accessories to $269.10/month for high-end items such as a 14-inch MacBook Pro M5 Max. The platform also offers cellular iPads from AT&T and Verizon as channel partner products.

RTBShopper makes money by facilitating rent-to-own transactions and earning on the spread between lease payments collected and product cost, structured as recurring installment revenue over a typical lease term that exceeds retail cash price. Its go-to-market is product-led and direct-to-consumer, supported by content marketing (company blog) and social media presence across Facebook, X, Instagram, and Pinterest, targeting two primary personas — credit-constrained consumers who lack traditional credit access and budget-conscious shoppers who prefer flexible installments over upfront payment. The operation is small (1–10 employees) and asset-light, with no public revenue, funding, or ownership disclosures.

Name

RTBShopper

Legal name

RTBShopper

Website

https://rtbshopper.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

RTBShopper is a privately held, US-based online rent-to-own e-commerce marketplace offering electronics, furniture, and appliances on no-credit-needed installment plans via Progressive Leasing and Terrace Finance, targeting credit-constrained and budget-conscious consumers.

Ownership category

akta.pro rank

Product category

Rent-to-Own Retail

NAICS

Consumer Electronics and Appliances Rental (532210), All Other Consumer Goods Rental (532289)

SIC

Services-Miscellaneous Equipment Rental & Leasing (7350)

akta.pro primary industry

Overdraft & Deposit-Advance Products (FSAKAOAE)

akta.pro secondary industries

Rent-to-Own (RTO) Consumer Leasing (FSAKANAE), Rent-to-Own Home Furnishings (Store-Based) (CRAIAOAE)

Keywords

• Rent to own electronics
• Lease to own furniture
• No credit financing
• Consumer lease payments
• Appliance rent to own

Headquarters

HQ city

Sheridan

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Operations, Technology or R&D, Personnel, Supply Chain

Revenue model

1. Rent-to-Own / Lease Payment Plans: Customers pay for products through weekly, bi-weekly, or monthly installments over a lease term. Revenue is generated through the total payment amount accumulated over the lease period, which typically exceeds the retail cash price.

Pricing tiers

Go-to-market motion3 records

Distribution channels1 record

Marketing channels5 records

Core offering

RTBShopper is an online rent-to-own (lease-to-own) e-commerce platform that lets consumers acquire electronics, furniture, appliances, and household goods through weekly, bi-weekly, or monthly installment payments without a credit check. The company integrates with financing partners Progressive Leasing and Terrace Finance to provide instant lease approvals, with products delivered to the customer's door or picked up same-day at partner retail locations, and lease agreements culminating in ownership.

Product overview

RTBShopper operates as a rent-to-own e-commerce platform offering a diverse portfolio of electronics, appliances, and furniture through flexible payment plans. The platform connects consumers with financing partners Progressive Leasing and Terrace Finance to enable lease-to-own options without requiring credit checks. Product offerings span computers (laptops, desktops, tablets), consumer electronics (smartphones, TVs, audio), gaming equipment, home appliances, and furniture, all available with weekly, bi-weekly, or monthly payment options culminating in ownership.

Differentiator

Problem solved

Functional benefit

Products and services

• Rent-to-Own Electronics Lease-to-own payment plans on consumer electronics including computers (laptops, desktops, all-in-ones, tablets), televisions, audio/video equipment, cameras, drones, smartphones, and gaming consoles. Targeted at consumers with limited credit access or those who prefer installment payments over upfront retail purchases. Inventory includes 507 laptops, 751 gaming PCs, 401 tablets, 380 video games, 357 smart watches, 301 televisions, and 382 headphones, with products from Apple, Samsung, Dell, HP, and LG.
• Rent-to-Own Appliances Lease-to-own payment plans on large and small home appliances including refrigerators, freezers & ice makers, ovens & ranges, dishwashers, washers & dryers, air conditioners, microwaves, and small kitchen appliances. Available with 10,000+ appliance SKUs and free delivery on most items.
• Rent-to-Own Furniture Lease-to-own payment plans on home furniture including sofas & sectionals, bedroom furniture, dining tables & chairs, office furniture, nursery furniture, entryway furniture, coffee tables, TV stands & mounts, and patio furniture. Targeted at consumers furnishing homes without the financial burden of full retail purchases.

Quantifiable outcome

• Customers can get approved for up to $5,000 in financing in approximately 2 minutes or less
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• AT&TminorChannel Partner/ Reseller/ DistributorTelecommunications carrier whose cellular iPads are available for rent-to-own through RTBShopper. Customers can lease iPads with AT&T connectivity built in.
• VerizonminorChannel Partner/ Reseller/ DistributorTelecommunications carrier whose cellular iPads are available for rent-to-own through RTBShopper. Customers can lease iPads with Verizon connectivity built in.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Aaron's: Established rent-to-own retailer offering furniture, electronics, and appliances through company-owned stores and progressive.com — competes in the same RTO space with a larger footprint and broader brand recognition.
• Rent-A-Center: Largest traditional U.S. rent-to-own retailer with both brick-and-mortar stores and an online presence offering electronics, furniture, and appliances on lease — broader portfolio but addresses the same end-customer need.
• Progressive Leasing: One of the largest virtual lease-to-own providers in the U.S., serving as RTBShopper's primary financing partner. Offers the same no-credit-needed RTO structure across thousands of retail partners at much larger scale.

Direct peers

• SmartPay: Lease-to-own platform specializing in furniture, mattresses, and electronics with a focus on underserved consumers — overlapping product categories and credit-invisible target market.
• Snap Finance: Provider of lease-to-own financing solutions to retailers across furniture, mattresses, automotive, and electronics — comparable financing-first model and subprime underwriting approach.
• FlexShopper: Online lease-to-own platform offering furniture, electronics, and appliances on weekly/monthly payment plans to subprime consumers — directly comparable business model and target customer to RTBShopper.
• Katapult: Lease-to-own and pay-later platform purpose-built for non-prime consumers shopping at omnichannel retailers, focused on durable goods like electronics and furniture — overlapping product mix and customer base with RTBShopper.
• Acima: Lease-to-own provider (now part of the Rent-A-Center Group) offering no-credit-needed leases on furniture, electronics, appliances, and tires through retail partners — directly comparable RTO model and credit profile.

Emerging players

• Klarna: Global BNPL provider offering pay-in-installments options at major retailers, expanding into longer-term financing for higher-ticket items — partial overlap with RTBShopper's payment-flexibility value proposition.
• Affirm: Publicly traded buy-now-pay-later provider offering short and long-term financing at checkout, increasingly extending into subprime cohorts and durable goods — an emerging competitive threat to RTO platforms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/rtb_shopper
• Facebookfacebook.com/rtbshoppers
• Instagraminstagram.com/rtbshopper
• Pinterestpinterest.com/rtbshopper
• LinkedInlinkedin.com/company/rtbshopper

Revenue estimate

Valuation estimate

Number of profiles

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 RTBShopper