One-year founding pilot — Up to 3 stores · success metrics tracked · no obligation to continue. Add stores at $30/mo.
Target: 15+ hours saved per week. Let's evaluate real impact in a live environment.
What's new — state-aware compliance guidance, live diagnostics, and more.
Legacy RTO 360™ is the complete operations platform for rent-to-own businesses — across every location you run. From the first signature to the last installment, from credit risk to doorstep delivery, from idle stock to smart transfers — all in one calm, powerful dashboard.
A 12-month founding pilot for up to 3 stores — with clear success metrics and no obligation to continue after. Add stores at $30/mo during the pilot phase.
Pilot at a glance
Duration
12 months
Stores
Up to 3
Add-on stores
$30/mo each
Obligation
None
Success metrics
This is the real Legacy RTO 360 interface — the same screens your team uses every day. Auto-advancing through the full lifecycle: dashboard, automated collections, doorstep deliveries, agreements, and connected multi-store management. Row-level access control keeps every customer and their personal data isolated and protected.
Legacy RTO
Thursday, September 10
Health
84/100
Your book holds $64,200.00 across 47 active agreements and 4 stores. $18,420.00 collected this month (72%), $3,240.00 past due, 6 deliveries in flight, 3 idle lines. Health: 84/100.
Collected
$18,420.00
Outstanding
$12,840.00
Rate
72%
Past due
9
Deliveries
6
Idle
3
5-minute diagnostics
Collections
9 past due
Credit risk
1 critical
Stores
2 alerts
Deliveries
6 open
Inventory
3 idle
Compliance
2 repo-eligible
Collection rate (ROI)
Aging buckets
1-7
3
8-14
2
15-29
2
30+
2
Store health ranking
Ocala Central
88
Gainesville
91
Leesburg Plaza
74
Inverness
62
Your whole book at a glance — live header, diagnostics, charts, and what is coming due.
Proactive alerts
Delinquency, idle stock, and transfer flags before they cost you.
Store interconnection
Inventory, agreements, and transfers flowing across every location.
Row-level access control
Row-level access control keeps each store and its customer data isolated and protected.
Run the whole operation. Recover more revenue.
Apply for the pilotLive demo data shown. Your dashboards populate the moment you add your first agreement.
15+
Target hrs saved / week
2×
Target recovery speed
30%
Target delinquency cut
360°
Full lifecycle coverage
Pilot targets — success criteria we will measure, not yet proven outcomes.
Everything covering the full lifecycle of every contract you carry — from the first lead to the last installment.
Build rent-to-own contracts in minutes. Terms, down payments, co-signers, and delivery details — all on one living record.
Every agreement auto-generates its weekly, biweekly, or monthly payment plan the moment it is created. Mark paid as it comes in.
Five-level risk scoring that auto-escalates based on aging, missed payments, and broken promises — no manual guessing.
Past-due accounts surface automatically, sorted by aging bucket: 1–7, 8–14, 15–29, and 30+ days late.
Record promises with amount and date. The system auto-flags broken promises and escalates risk the moment a promise lapses.
Log every call, text, email, visit, and repo notice with outcome tracking. Full contact history per account.
Aging distribution, risk breakdown, 30-day activity trends, and promise-outcome charts — live, not exported.
Schedule drops, assign drivers, and capture a customer signature on the doorstep to close the loop.
Browser-based signature pad for proof-of-delivery. Every completed delivery has a signed record, time-stamped and stored.
See every open delivery and every driver in one view. Assign routes in a tap, track status from pending to delivered.
Confirm residence, income, and identity for lessee and co-signer before the keys change hands. Photo proof upload built in.
Run every location from one account. Per-store dashboards compare revenue, active agreements, and delinquency side by side.
When stock sits idle in one store and leases wait in another, the system recommends the transfer and moves it in a tap.
Invite managers and assign them to specific stores. They see only their location's data — you keep the keys to everything.
Stock idle 30+ days is flagged automatically, with lease demand at other locations surfaced so inventory earns instead of gathering dust.
A discreet, passcode-protected command center only the owner can reach — every record, every field, fully editable.
Every store scored on a live 0–100 health index — collection rate, delinquency, and idle stock rolled into one number so you see which location leads and which lags.
When a store slips — rising delinquency, idle stock piling up, or collections dropping — the system flags it automatically so you act before it spirals.
Capture web orders and walk-in leads per store, run them through a pipeline from new to sold, and convert them straight into agreements — with inventory auto-deducted on every sale.
Daily pre-trip inspection checklists and mileage logs per driver and dash — defects, odometer, and route captured for every delivery.
Built-in summaries of state-by-state RTO collection and repossession rules — grace periods, notices, and cure windows — right where you work. Reference only — verify with current statute.
Generate a full rent-to-own contract from the agreement terms and state compliance rules, then capture lessee and co-signer e-signatures in the browser. Print or save as PDF in one click.
Let customers look up their account and pay online through a secure, PCI-compliant hosted checkout. Card data never touches your site — and payments post to the book automatically.
Create vendor purchase orders with line items and costs, then receive stock into inventory when it arrives — quantities update automatically across every store.
Employees clock in and out from any device. Hours and breaks calculate automatically on every time card.
Employees approve their own hours, then management gets a notification to review and lock the time card before pay runs.
Calculate regular and overtime pay from approved hours, generate pay stubs, and mark them paid — all in-platform, no spreadsheet required.
Request sick, vacation, and personal time. Managers approve, balances deduct automatically, and accruals track per type your way.
Use the onboard payroll end-to-end, or export time cards and pay data to CSV for QuickBooks, Gusto, ADP, or Paychex in one click.
Running a larger chain? Add stores during the pilot at $30 each per month — fair pricing that scales with your operation, not a flat ceiling.
No exports, no spreadsheets, no end-of-month surprises. Legacy RTO 360 gives you live dashboards the moment data changes.
Count and dollar amount across four delinquency buckets
Live distribution of current, low, medium, high, and critical accounts
30-day rolling view of every contact attempt logged
Kept vs. pending vs. broken — at a glance
Aging distribution
Risk level breakdown
Collection activity (14 days)
Delinquency Watch — 5 accounts need attention
Promise outcomes
Live analytics available on Pro and above.
Whether you run a single storefront or a chain across the county, Legacy RTO 360 scales with you. Compare performance store by store, shift idle stock to where it's leased, and give each manager access to only their location — while you keep the keys to the whole operation.
All stores
3 locationsOcala
34 active · 6 past due
$48,200
+12%
Gainesville
22 active · 3 past due
$31,750
+8%
Leesburg
15 active · 9 past due
$19,400
-3%
Move idle stock to where it's leased
A 65" TV has sat 34 days in Ocala — 3 leases are waiting for it in Gainesville.
TCL 65" Smart TV · qty 1
Idle 34dmanager@ocala.store
ManagerSees only the stores assigned below.
Ocala
Has accessGainesville
Leesburg
Has accessIdle 30+ days
2 itemsTCL 65" Smart TV
Ocala
LG Washer Set
Leesburg
3 leases at other stores are waiting on this stock
Revenue, active agreements, and delinquency compared side by side across every location.
Idle inventory meets unmet lease demand — the system recommends the move for you.
Assign managers to stores; they only see and manage their own location's book.
Anything sitting 30+ days is flagged with the demand waiting for it elsewhere.
Snapshots are illustrative previews of in-app screens. Multi-store features available on Basic and above; transfer intelligence and scoped managers on Pro and above.
Drivers go full-screen into a live delivery mode — GPS-tracked, route-optimized, and customer-visible. From the first stop to the signed completion, every drop is tracked, photographed, and confirmed.
Drivers open Delivery Mode and the device GPS streams their live position — accuracy, speed, and heading — the whole route.
Select the day's stops and the optimizer orders them by nearest-neighbor from the driver's current location — least miles, fastest ETA.
Tap Start route and the customer gets a tracking link with a live ETA. They follow the truck on the map until it arrives.
At the doorstep the driver snaps delivery-condition photos, captures the customer signature, and adds notes — proof of delivery on every drop.
Browser-based signature pad closes the loop. Every completed delivery has a signed, time-stamped record stored to the agreement.
Managers set a custom thank-you message per location — shown to the customer the moment their delivery is marked complete.
Driver view
Current stop · 1 of 4
M. Alvarez
1420 Hwy 40, Ocala · ~8 min away
GPS
● live
Speed
34 mph
ETA
8 min
Customer view
Status
On the way
Your delivery of Queen mattress set is on the way. Track it live on the map.
Delivered!
"Thank you for choosing Southern King Legacy — we appreciate your business!"
— Ocala Hwy 40
Illustrative preview. Delivery mode available on Basic and above.
Every online order and walk-in lands in one pipeline — assigned to the right store, tracked from first contact to sale. Convert a lead and Legacy RTO 360 builds the agreement and deducts the inventory in one tap.
Pipeline per store
New, pending contact, contacted, qualified, negotiation, sale, and lost — every lead sorted by stage and store.
Full communication log
Log every call, text, email, and visit with notes and follow-ups so nothing slips through the cracks.
One-tap conversion
Convert a lead straight into a rent-to-own agreement — customer details carry over and stock is removed automatically.
Lead pipeline
Web order — M. Alvarez
Ocala Hwy 40
Walk-in — D. Brooks
Leesburg Main
Phone — T. Carter
Inverness Plaza
Referral — L. Ortiz
Ocala Hwy 40
✓ Converted to agreement — inventory deducted
Stock auto-reduced the moment the sale closed.
Illustrative preview. Sales CRM available on Pro and above.
Clock in, approve time, calculate pay, and track PTO accruals without leaving Legacy RTO 360 — or export to your existing payroll provider in one click.
Time clock & time cards
Employees clock in and out from any device. Hours and breaks calculate automatically on each time card.
Two-step approval workflow
Employees approve their own hours, then management gets a notification to review and lock the time card before pay runs.
Pay stubs in-platform
Calculate regular and overtime pay from approved hours, generate pay stubs, and mark them paid — no spreadsheet required.
PTO with accruals
Request sick, vacation, or personal time. Managers approve, balances deduct automatically, and accruals track per type your way.
This week's time
M. Alvarez
38.5 hrs
D. Brooks
42.0 hrs
T. Carter
40.0 hrs
Pay stub — T. Carter
Illustrative preview. Payroll available on Pro and above.
Rent-to-own law changes state by state. Legacy RTO 360 carries a built-in reference for collection and repossession rules — grace periods, cure windows, and notice requirements — right where you work.
FL
60-day reinstatement right (§ 559.9235)
GA
Reinstatement fee capped at $5/payment
TX
Wage garnishment largely prohibited
NC
RTO treated as installment sale if nominal option
Reference summaries only — always verify against current state statutes before acting. Compliance reference available on Pro and above.
Every late payment is money sitting on someone else's table. The Collections Center — available on Pro and above — finds it, flags it, and tells you exactly how to get it back. One recovered payment covers your subscription for months.
Catch delinquency early
Aging buckets sort every past-due account into 1-7, 8-14, 15-29, and 30+ day buckets — color-coded, so you know where to start.
Never miss a broken promise
When a customer misses a promised payment date, the system auto-flags it and escalates their risk level. No more checking a spreadsheet.
Know your next move
Every account shows a suggested next action — call, text, field visit, or repo notice — based on their history and aging.
Track every contact
Log every call, text, email, and visit with outcomes. Full contact history per account, so nothing falls through the cracks.
Illustrative example
14× return on investment — every month.
Figures are illustrative examples, not actual results. Your savings will vary based on your book size and delinquency rate.
See exactly what you get at each level — and why upgrading pays for itself the first time a past-due account comes back faster.
| Feature | Free | Basic | Pro | Enterprise |
|---|---|---|---|---|
| Agreements | 50 | 100 | Unlimited | Unlimited |
| Team seats | 1 | 5 | Unlimited | Unlimited |
| Stores | 1 | 1 | Multiple | Multiple |
| Payment schedules | ||||
| Deliveries & signature capture | ||||
| Verifications | ||||
| Custom agreement uploads | ||||
| AI Assistant | ||||
| Automated payment reminders | ||||
| Simple dashboard | ||||
| Dispatch board | ||||
| Multi-store operations | ||||
| Collections & credit management | ||||
| Aging buckets & risk scoring | ||||
| Promise-to-pay tracking | ||||
| Detailed reports & analytics | ||||
| Delinquency Watch AI | ||||
| Cross-store transfer intelligence | ||||
| Per-store ranking & health scores | ||||
| Performance alerts | ||||
| Store-scoped managers | ||||
| Regional manager control & region groups | ||||
| All 30 modules — one system, growing with you | ||||
| Master Control Center |
Start free to try the essentials. Move to Basic to run your day-to-day. Go Pro to protect your revenue with the Collections Center. Or own it all with Enterprise — full owner-level control.
Free for life — up to 50 agreements. No credit card.
Run your day-to-day with automated reminders.
12-month pilot · then $50/mo
Protect your revenue. Unlimited agreements, unlimited team seats.
12-month pilot · then $199/mo
The RTO Business Operations Platform — one system, growing with you.
12-month pilot · then $349/mo
Every person you invite sees exactly what their role allows — nothing more. Row-level access control keeps each store's customer data isolated, so a manager in one location never sees another's book.
Views their own agreements and payment history, and pays online through the self-service portal — no access to store operations.
Works the day-to-day at their assigned store — agreements, deliveries, verifications, and the time clock.
Manages their location's agreements, payments, deliveries, and staff — and sees only their own store's book.
Oversees all stores in a region, with a switcher to scope down to a single store. Sees regional performance and transfers.
Full control — every store, billing, team invites, the Master Control Center, and plan management. This is the account you create at signup.
No install, no setup call. From signup to your first agreement in minutes.
Click Get started and sign up with email + password (or Google). The first account is the owner — full control of the operation.
Enter the one-time code we send to your inbox. You'll land on your dashboard, ready to set up.
Name your first location. On Pro and above, add as many stores as you run — each with its own book and team.
From the Team page, invite each person by email and assign an access level — Employee, Store Manager, or Regional Manager. They see only what their role allows.
Enter the customer, item, and terms. The payment schedule generates automatically, and collections tracking begins.
Start free to try the essentials. Move to Basic to run day-to-day, Pro to protect revenue with collections, or Enterprise to own it all.
Legacy RTO 360 was born on the floor — writing contracts, chasing payments, and routing trucks. We built this platform to take the paperwork off the desk and put the whole book in your pocket.
Whether you carry a dozen contracts or a thousand, the system scales with you: clear schedules, automatic past-due alerts, live credit analytics, doorstep signature capture, and a discreet master control center for the owner.
Questions about the platform or ready to set up your store? Reach us directly.