As of 2015, Fortiva Financial offers three types of financing options: medical financing, retail financing and furniture financing. Fortiva Financial's financing solutions are exclusively available online and target consumers with damaged or less-than-perfect credit scores. It markets its services to businesses, and the businesses offer this option to their customers.
Fortiva Financial promotes its medical financing solutions as a simple and effective way for health care providers to offer loans to their patients even if those patients have poor credit. The company advertises its retail financing as flexible enough to increase sales and customer loyalty while remaining easy to work with through the company's online application portal. Fortiva Financial claims that its furniture financing options offer their clients a wide consumer base because the company assesses risk using more than credit score information.
Fortiva Financial claims to specialize in second-look financing; the company is willing to approve loans to individuals that other lenders may turn down. The company specifically mentions that its services are ideal for consumers with past credit problems, limited available credit, or those who do not have credit histories. Fortiva Financial explains that businesses that offer credit to customers who are unable to get credit elsewhere enjoy the benefit of increased customer loyalty, which potentially results in repeat business and customer referrals.