Desert Mesa Capital

What we do

We fund it, service it, and report on it.

One team from the dealer's lot to the final payment, so our partners see the whole life of every contract.

Fund

Capital at origination

We fund rent to own contracts written through Desert Mesa Rent to Own's dealer network, and pay dealers in days.

Service

Purpose-built servicing

Contracts run on RTOSmart, a platform built for rent to own: autopay, reminders, customer service, collections and recovery in one system.

Report

Data partners can use

Contract-level data and monthly portfolio reporting, so lenders and capital partners can track performance without chasing it.

The asset

Real buildings on real property.

Every contract is tied to a building or container the customer uses every day, sitting on their own land.

Collateral

Sheds, barns, garages, containers

Terms

24 to 60 months

Origination

Independent dealers

Servicing

RTOSmart platform

Granular by design

Many small contracts across many customers and dealers. No single name moves the portfolio.

Recoverable collateral

Buildings and containers can be recovered and resold through the dealer network.

Short, amortizing terms

Contracts pay down every month, and customers who pay off early earn a discount.

Underwriting at the source

Approvals and terms are set by our platform, not by the sales lot.

Automated payments

Most customers pay by autopay, with reminders and follow-up handled by the servicing team.

Aligned operators

The people who originate, service and fund the contracts work on the same platform with the same numbers.

How it works

From the dealer's lot to the final payment.

01 Originate

Customer picks a building

A customer chooses a shed, barn, garage or container at an independent dealer and applies on the spot.

02 Approve

Decision in minutes

The platform sets approval and terms. The contract is signed and the building is delivered.

03 Fund

Dealer is paid

Desert Mesa Capital funds the contract and pays the dealer by direct deposit, often the same or next day.

04 Service

Paid down monthly

Payments, service and collections run on RTOSmart, with performance reported to our partners every month.

Partners

Built to work with banks and capital partners.

We keep structures simple and reporting consistent, so the conversation is about the portfolio, not the paperwork.

Banks and lenders

Secured facilities. Lines backed by pools of rent to own contracts.
Borrowing base reporting. On schedule, from the system of record.
Contract-level data. Eligibility and aging you can check yourself.

Capital partners

Portfolio funding. Capital deployed into new originations as dealers grow.
Transparent performance. The same monthly reporting our lenders receive.
Experienced operators. A team that has run rent to own portfolios for years.

Start a conversation

Contact

Let's talk.

Mailing address

P.O. Box 137
Salina, KS 67402

Rent to own customers

For payments and accounts, visit desertmesarto.com.