About
UpgradeUSA provides an online-only monthly payment plan/"lease-to-own" service for consumers, small and medium businesses, and education. Our tagline is "Easy online payment plans for today's technology." Why Consumers: 40% of the US Consumer market has credit that is consdered "bad" - but people still need technology for home, work, or school. Many of those people fit the risk profile that we have refined over 2 years. When they can't get credit, many choose rent-to-own, a $7.8B US industry, all brick-and-mortar. We are moving the best of those customers online. Why Small Business: Startups, small businesses, and K-12 often find that they are in cash-flow crunches but need technology, and leasing is an ideal option for them. Because we can vet the personal guarantor as a consumer, we can vet small business owners better than traditional models. Our approach to this $188B market is disruptive and is working.