With Cartera the credit’s all yours.

Our retail partners rely on Cartera to close sales that most other contractors can’t.

Cartera Retail

What we do

We provide financing to:

We provide financing to homeowners who you never thought you could help by providing digital and paperless solutions combined with human assistance.

Never miss out on a sale!

Congratulations!

Your application has been approved

Phygital

Digital & paperless made human

Get started

Competitive Interest rates and Fees

Interest rates and fees

Easy-to-Use System

Upload your application effortlessly

All Digital

Paperless process

Fully bilingual team

English and Spanish

Sales

Cast a wider net

Increase your sales

Over 85% acceptance rate

For credit-challenged individuals

FICOs 0 to 650+, ITIN

Flexible financing solutions

individuals with no Social Security number

Weak credit, or no credit history

Increase your Close Rates

Never miss out on a sale

Let's get you started

¿Are you a Retailer or a Homeowner?

Retail Partners

Discover how easy it is to increase your company's sales and your cashflow when you offer our financing to your credit-constrained customers.

Increase your sales now

Homeowner

If you're looking for loans for home improvements, you're in the right place. At Cartera we know you work hard day after day and you deserve every opportunity. Because the credit is all yours.

Get your loan today

They’re already selling more

Our financing programs have taken our retail partners to the next level.

"I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."

Air Rey

"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."

rotex ac & heating

"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."

trilogy ac

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

"I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."

Air Rey

"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."

rotex ac & heating

"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."

trilogy ac

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

They’re already selling more

Our financing programs have taken our retail partners to the next level.

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

"I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."

Air Rey

"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."

mondragon mechanical

"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."

rotex ac & heating

Forget coming up short, make that sale happen.

You get a lead and want to convert it into a customer. So, you spend countless hours setting up the perfect deal for them. There’s only one problem, though. And it’s a big one. No company will give them the financing they need to pay for your services.

Cartera serves as the perfect partner in these situations.

We supply financing for credit-constrained customers.

Providing assistance the whole way so you can close the deal while making your customers’ lives easier.

increase your sales now

Your Service

$USD

confirm

Get started today!

Saving time and getting faster approvals is as easy as 1, 2, 3, 4 with our online application portal.

1

Become a Retail Partner

Signing up is easy; we’ll teach your sales team how to submit applications.

2

Submit Applications

With our easy-to-use portal, your team can submit applications online in a matter of seconds. No matter where they are.

3

Get Immediate Approvals

We process completed applications and give you an instant, automatic pre-approval.

4

Get Next-DayFunding

Submit your loan docs online and get funded as soon as the next day.

Become a Retail Partner Today

How do I become a dealer with Cartera?

All you need is to complete the dealer application, provide us with the information and items on the dealer checklist, and sign the dealer agreement that we provide. From there we do a quick training on how to use our Credit Portal and you’re all set to start uploading applications! Click here to get started.

Are there any costs to becoming a dealer?

The sign-up process for becoming a dealer with Cartera is absolutely free. The only cost you may incur, if any, is a dealer discount on a per-loan basis depending on the underlying customer risk.

What is a dealer discount?

A dealer discount is the risk-based fee Cartera charges to its dealers on some loans. While customers with good credit will get approved without a dealer discount, customers with weaker credit will be charged a small dealer discount fee, allowing you to close sales that you wouldn’t normally close. This is a cost to the dealer and will be “discounted” at the time of funding.

Do you take FICO scores into consideration when approving?

While Cartera pulls credit on applicants in order to have a general idea of their credit, there is no specific credit score we look for. Our credit decisions are more comprehensive, so we place importance on a combination of indicators found in our proprietary scoring algorithm.

What information do you require from customers to get started?

Depending on the risk tier the applicant is placed into (we offer up to 4 tiers), customers are required to provide a completed and signed credit application, a valid government-issued ID (we also accept passport or Matrícula Consular). No SSN is necessary.

What do you require in order to fund the dealer?

We require signed digital copies of all the loan documents mentioned in the dealer agreement uploaded via the Credit Portal as well as a successful verification phone call between our team and the customer. Once these are accounted for, you can expect payment the following business day!

FAQ

How it works