Soft-Lite, a vinyl replacement window and door manufacturer headquartered in Streetsboro, Ohio, has launched a partnership with Fortiva Retail Credit, which provides credit-challenged consumers with second-look revolving lines of credit to finance home improvements.

Fortiva Retail Credit approves customers that other financing programs have declined, allowing remodeling companies to offer their customers a line of credit up to $40,000 for installations, products, repairs, warranties and all other services, even when that customer has credit down below a 500 FICO.

Soft-Lite’s partnership with Fortiva offers the company’s dealers a program that will allow them to increase sales on the same leads they are already running with no additional marketing expense. With 30 percent to 50 percent primary turn-down approvals, the company says the Fortiva Retail Credit program will help Soft-Lite customers increase their sales. Soft-Lite’s dealer network will also enjoy other benefits, such as a 100 percent paperless process; application link via smartphone, tablet, website and call center; and instant approvals for their customers. The Fortiva Retail Credit program has been in business for more than 20 years, and it says it has funded more than $25 billion in second-look loans.