BNPL & Rent-to-Own for Independent Retailers

Ownly by RBS lets independent retailers offer in-house BNPL, layaway, and rent-to-own programs without third-party financing. Keep your margin and own every customer relationship.

The Problem with Third-Party BNPL

Providers like Affirm and Klarna charge merchants 3–8% per transaction, own the customer relationship during the financing period, and may approve customers you wouldn’t. Ownly puts control back in the merchant’s hands.

Retail Use Cases

• Furniture Stores — layaway, lease purchase, and installment plans for large-ticket items
• Appliance Stores — in-house financing that keeps customers and margin in-house
• Rent-to-Own Operators — automated payment tracking and ownership transfer milestones
• Rent-to-Own & Lease Purchase Software — in-house alternative to Progressive Leasing, Acima, and Koalafi
• BNPL Alternative for Small Businesses — keep customer relationships and margins without third-party BNPL fees

What Ownly Provides for Retailers

• Agreement creation and management for any product category
• Flexible payment schedules: weekly, bi-weekly, or monthly
• Automated payment reminders and delinquency escalation
• Inventory holds linked directly to active agreements
• AI risk scoring to evaluate customers before approving financing
• Customer self-service portal for account m