Want a Break on Your Rent? Start with an ERA.
Rent-Break™ is a ReCapture Financial benefit connected to an active Expense Residual Income Account (ERA).
Your ERA is powered by MiddleBanking™ 1.0—the household bill-pay and money-management system ReCapture uses to organize your scheduled bill-pay deposits, manage participating household expenses, and keep those bills positioned for payment.
Rent-Break™ connects your verified rent payment to Monthly Residual Income for Rent according to the Rent-Break™ payment schedule.
Rent-Break™ Begins with Your Expense Residual Income Account.
Monthly Residual Income for Rent is a benefit connected to your active ERA relationship with ReCapture Financial.
What is an ERA?
Your Expense Residual Income Account is the ReCapture Financial account used to organize, manage, pay, and track participating household bills and lifestyle expenses through MiddleBanking™ 1.0.
You make scheduled bill-pay deposits into your ERA. ReCapture organizes those deposits around the participating bills and expenses coming due and manages the payment schedule from there.
Where does Rent-Break™ fit?
Rent is one of the largest recurring household expenses. Rent-Break™ connects your verified rent obligation to Monthly Residual Income for Rent.
Your lease stays with your landlord. Your rent obligation stays the same. Your ERA adds the Rent-Break™ reimbursement benefit.
Meet MiddleBanking™ 1.0.
MiddleBanking™ 1.0 brings your participating household bills, due dates, scheduled ERA bill-pay deposits, and payment activity into one organized system.
Rent has never taken a break. Until now.
Rent-Break™ is a ReCapture Financial ERA benefit designed to give active households scheduled help with one of their largest recurring expenses: rent.
You continue funding the household expenses already included in your approved MiddleBanking™ 1.0 plan. ReCapture organizes those obligations through your ERA and keeps the plan funded before bills become due.
Stay active and current, and Rent-Break™ can provide scheduled Monthly Residual Income for Rent of up to $3,000.
One-Time Rent-Break™ Activation Fee
Rent-Break™ requires a one-time $250 activation fee to establish the additional account setup and administration required for this ERA feature.
Your one-time Rent-Break™ activation fee prepares your household for structured bill payment, Monthly Residual Income for Rent, and ongoing Treasury administration through your ERA.
- Initial household underwriting
- Treasury setup
- MiddleBanking™ account configuration
- Personalized dashboard activation
- Bill-pay platform enrollment
- Treasury monitoring
- Rent-Break™ feature activation
- Secure document storage
- Digital check authorization
This is a one-time activation fee to add Rent-Break™ to your ERA. It is not a monthly participation fee or membership fee.
Your ERA Creates the Income. Rent-Break™ Gives It a Rent Destination.
Rent-Break™ does not create your Monthly Residual Income. Your active Expense Residual Income Account and MiddleBanking™ 1.0 relationship do that. Rent-Break™ is the feature that allows you to direct that income toward rent on the program's scheduled dates.
How Rent-Break™ Works
Open an ERA, complete Financial Justification, activate Rent-Break™, follow your plan, and stay positioned for scheduled Monthly Residual Income for Rent.
Open Your ERA
Provide your household income, pay dates, rent, bills, expense amounts, due dates, and spending needs.
Complete Financial Justification
ReCapture reviews your household and creates one scheduled weekly MiddleBanking™ funding plan.
Activate Rent-Break™
Pay the one-time $250 activation fee to add Rent-Break™ to your ERA.
Follow the Plan
Keep your ERA active, make the approved ERA bill-pay deposits, and remain active and current in MiddleBanking™.
Receive Monthly Residual Income for Rent
Approved active ERA clients can receive up to $3,000 on scheduled Rent-Break™ dates.
The Rent-Break™ Payment Schedule
Rent-Break™ follows a simple three-times-per-year schedule. Approved households with an active ERA and current MiddleBanking™ status can receive one month of Monthly Residual Income for Rent, up to $3,000, on these scheduled dates.
We know exactly what we’re asking.
You are trusting ReCapture Financial with the money your household depends on every month.
That is why every household is reviewed, every MiddleBanking™ 1.0 plan is structured, every approved payment is tracked, and every client has visibility through the ReCapture dashboard.
Our goal is simple: help participating households end every month with more money.
Rent-Break™ FAQ
Clear answers about your ERA and Monthly Residual Income for Rent.
What is Rent-Break™?
What is an Expense Residual Income Account?
How much can Rent-Break™ provide?
When are the Rent-Break™ dates?
Why is there a $250 activation fee?
Do I still fund my normal household bills?
What do I need to do to remain positioned for Rent-Break™?
Open an ERA & Put Monthly Residual Income Toward Your Rent.
Open your Expense Residual Income Account, complete Financial Justification, activate Rent-Break™, follow your approved MiddleBanking™ 1.0 plan, and stay positioned to direct up to $3,000 of Monthly Residual Income toward rent on scheduled dates.
Rent-Break™ requires approval, an active Expense Residual Income Account, completion of Financial Justification, payment of the one-time $250 Rent-Break™ activation fee, consistent funding of the approved MiddleBanking™ 1.0 plan, and continued active and current status under current program terms. Rent-Break™ is the destination feature that allows Monthly Residual Income generated through your ERA relationship to be directed toward rent on scheduled dates.