# RTO National

> RTO National provides lease-purchase and installment-financing options through independent dealers selling sheds, carports, steel structures and other backyard products, with HVAC and generator programs in selected U.S. markets. Its dealer software connects applications, contracts, inventory, transportation and reporting.

- **Founded:** 2003
- **Headquarters:** Greenville, United States
- **Founders:** Phil Falls (Founder; described as President by NSRA and Founder and CEO in company communications)
- **Products:** Lease Purchase, Installment financing, Dealer Management System, HVAC and generator payment programs, Portfolio purchases
- **Notable:** Evolved from BetterBuilt Storage’s 2003 shed-manufacturing roots to a financial-services division in 2008., Acquired US Credit’s backyard-products lease portfolio in 2019, increasing its Florida presence., Established a dealer software system spanning inventory, sales, transportation and reporting.

## Products & services

- **Lease Purchase** — RTO National purchases an eligible unit from a participating retailer and leases it to the customer, with a route to ownership, early-purchase options and month-to-month cancellation subject to retrieval. Basic eligibility and initial-payment requirements apply.
- **Installment financing** — Credit-approved financing with zero-down options, fixed payments, fixed APR and no early-payoff penalty.
- **Dealer Management System** — Web-based software for lease, finance and cash sales, leads, documents, inventory, transportation scheduling and reports.
- **HVAC and generator payment programs** — Lease-purchase and finance programs through independent dealers; each product page describes partnerships in 25+ states with location-dependent availability.
- **Portfolio purchases** — Acquisition of all or part of an existing lease portfolio for an upfront lump sum.
- **Customer Success Plans** — Published lease-purchase catch-up provisions and agreement-assumption arrangements for documented family situations after a customer dies.

## Achievements

- Evolved from BetterBuilt Storage’s 2003 shed-manufacturing roots to a financial-services division in 2008.
- Acquired US Credit’s backyard-products lease portfolio in 2019, increasing its Florida presence.
- Established a dealer software system spanning inventory, sales, transportation and reporting.

## Latest updates

- **2025-06** — June/July 2025 Garage, Shed & Carport Builder profile described ongoing technology and customer-service investment and expansion opportunities. Publication period is used as the date.
- **2025-06** — IdeaRoom’s June 2, 2025 checkout documentation lists RTO National as a supported rent-to-own and financing provider.

## Links

- Website: https://www.rtonational.com/
- LinkedIn: https://www.linkedin.com/company/rto-national-llc
- Twitter/X: https://twitter.com/rto_national
- Facebook: https://facebook.com/rtonational

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Profile page: https://yespress.io/rto-national
Published by YesPress — https://yespress.io
Last updated: 2026-10-25