Portfolio Management
Solutions

By allowing Heartland to manage your Rent to Own contracts, you can significantly reduce the administrative burden and streamline your operations. Our expertise ensures accurate contract management, freeing up your time and resources to focus on what matters most.

Contact Us

Heartland Capital Investments provides management services for businesses that generate or purchase their own rent-to-own contracts. By owning your own portfolio of rent-to-own contracts, you can benefit from the good rate of return and substantial tax benefits that accrue via depreciation. HCI will take care of collecting payments, pursuing delinquent accounts, coordinating assets recovery, and providing the reporting that your lender will want to see. 


Our clients typically form an LLC to hold their rent-to-own contracts. If you need access to credit, we can introduce you to financial institutions that have been working in our industry for decades. A rent-to-own portfolio provides an alternative to other investments such as bonds, stocks, CDs, or real estate, with significant tax benefits that can help you offset your income from those other investments. 

Asset Management

Our management fee is based on our performance. We only charge a fee on what we collect, aligning our interests with yours. 

Access to Traditional

Credit Relationships

HCI can introduce you to our network of lenders to help you find the capital to build your portfolio.

Rent Collection &

Payment Automation

We offer a variety of payment channels including credit/debit cards, web pay, IVR phone pay, bill pay, checks and money orders.

Expense Management/

Reimbursement

HCI covers all reimbursable expenses during the course of a month and simply bills the portfolio monthly at no additional markup.

Legal Services

Our legal department provides state-specific contracts and handles matters in small claims and bankruptcy, while working with a network of local counsel for court appearances and replevins.

Performance Analysis

HCI will provide metrics on the portfolio performance and make recommendations on RTO contract terms, lengths, stipulations, etc. We strongly recommend steps to improve the quality of the contract rather than the volume. 

Accounting Services

General Ledger provided numbers, sales tax filings, customer listings/rent rolls, stock inventory and delinquency reports. We also will work with your corresponding lender if debt is in place or borrowing base certificates are needed.

New Warranty Services

We offer a product consumers can opt into if they experience damage or total loss of the unit. If the customer is enrolled in the program and a qualifying event leaves the building damaged, HCI will pay off the customer’s account.

Skip Tracing

We use a variety of services to identify our customers’ location, contact information, references, relatives, employers, etc. We also keep a close eye on social media activity.

Bad Debt Recovery

HCI works with a third-party debt collector to collect on accounts once we have exhausted internal efforts. 

Floorplan Inventory Financing

HCI works with a third party financier, Fast Track Floor Plans, LLC, that finances new and used retail inventory.

Physical Site Checks

Our field representatives visit asset locations to attempt collection, re-contract, re-market products, and coordinate pick-ups.

Asset Recovery

HCI coordinates with a network of contracted drivers throughout the country to recover assets that are in default.

Share by: