FlexxBuy
Customer Financing Made Easy- Buy Now, Pay Later
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Products/Service Sold- Check All That Apply Below
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Mattresses
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Program Selection
Select the programs that you wish to apply for. Approval may be subject to many factors including specific business type, financial profile of business, business background, etc.
Please note: Credit Select Plus must be selected and is the core program offered by Flexxbuy.
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Credit Select Plus: Direct to Borrower : Credit Based Platform
Muti-lender platform that provides approvals to individuals with credit scores as low as 500 and for amounts up to $50,000. Maximum terms of 60 months. Interest rates will vary from 5.99% to 32.99% (other rates may apply), subject to borrower credit. Funds are funded directly to the borrower who then pays the merchant.
Customer Process: Applications are submitted through a unique loan application link provided to the business. An instant decision is provided and emailed to the borrower, as well. Pre-approvals may be subject to verification of certain information provided on the loan application. Final approval/funding can take from 1 to 7 days, depending on the diligence of the borrower
Cost to Business: 3.9% of funded loan (less any eligible rebates, see below) of business invoiced or collected amount, whichever is lower, plus a $49 administration fee deducted from business approximately 10 days post funding
Note: It is highly suggested that the Business collect a reasonable deposit upon pre-approval of the loan to solidify the customer relationship.
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.). Proof of business requirement can be waived upon Flexxbuy management decision.
Not currently available for consumer applicants that reside in Ct and WV.
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Credit Select Plus Lay Away Program: Direct to Borrower : Credit Based Platform
Note: This Program Is Intended For Retail Consumer Goods Businesses Only
Muti-lender platform that provides approvals to individuals with credit scores as low as 500 and for amounts up to $50,000. Maximum terms of 60 months. Interest rates will vary from 5.99% to 32.99% (other rates may apply), subject to borrower credit. Funds are funded directly to the borrower who then pays the merchant.
Customer Process: Applications are submitted through a unique loan application provided to the business. An instant decision is provided and emailed to the borrower, as well. Pre-approvals are subject to verification of certain information provided on the application. Final approval/funding can take from 1 to 7 days, depending on the diligence of the borrower
Cost to Business: A $49 administration fee deducted from business within 10 days post funding
Note: It is highly suggested that the Business collect a reasonable deposit upon pre-approval of the loan to solidify the customer relationship.
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.). Proof of business requirement can be waived upon Flexxbuy management decision.
Not currently available for applicants that reside in Ct and WV.
Program 2: Direct to Merchant: Credit Based Financing Option
Description: Muti-lender platform that provides approves to individuals with credit scores as low as 620 and for amounts up to $20,000 ($35,000 for Medical). Maximum terms of 60 months. Interest rates will vary from 10.98% to 26.98% , subject to borrower credit. All loans include a 0% six month promotion. Funds are funded directly to the merchant. All sales must be made face-to-face. No Home Based Businesses
Customer Process: Applications are submitted through a unique loan application provided to the business. The business or applicant complete the application. The merchant is funded directly, usually within 3 business days after the delivery of the product or completion of the service and upon borrower verification.
Business Criteria: Minimal annual revenue of $100,000 . No Home Based Businesses. Strict vetting. 2 Years in Business Preferred (less if business is strong) Website required. Positive reviews and background check. Not available in Connecticut, New York and Vermont
Cost to Business: 10% discount (medical is 0% for A,B Credit Borrowers, 6.9% others) deducted from payment to Business .
Documents Required (from business): voided business check, proof of business (business license, sales tax license, etc.), 3 months bank statements (waived for licensed medical doctors/dentists/etc) ,picture of inside/outside of business, Sales Receipt
Credit Select Plus Bonus Program: Direct to Merchant: Credit Based Financing Option
Description: Single Application Direct to Merchant lending solution that approves consumers with credit scores as low as 580, amounts from $500 to $10,000 . There are three industry and merchant dependent risk catrgories that will determine merchant funding discount cost and applicant's loan interest rate. The interest rate will vary between 26.99% and 28.99%, based on merchant's determined risk category.Same-as-cash (0%) promotional offers can be made to borrower at merchant's discretion. Addition cost to merchant will apply. The maximum term is 48 months. The business is funded directly after delivery of the product or service and upon borrower verification. Process can be completed at point of sale. Business is funded directly in approximately 3 to 5 business days.
Customer Process: Applications are submitted through a unique loan application provided to the business. The business or applicant complete the application. Upon approval, the business collects certain information from the applicant and presents it back through the portal. The merchant is funded directly, usually within 3 to 5 business days after the delivery of the product or completion of the service and upon borrower verification. Discount will be deducted from merchant's funded amount.
Business Criteria: Minimum of 1 year in business. Minimum Annual Sales of $500,000 ($1 million preferred). No bankruptcies in last 2 years. Must pass business review (business credit report pulled) and have good reviews on-line. Must be in approved industries. This program is intended for well established businesses.
Cost to Business: There are three risk categories of approved industries. Standard pricing is 2% (Category A), 3% (Category B), and 7% (Category C). Category C includes 6 mos same as cash (0%) at standard pricing. Same as cash promotions are available at additional cost to the merchant: 6 mos (+2%), 12 mos (+5%), 18 mos (+8%), 24 mos (+10%). There are slight variations per category. All are approximate.
Category Breakdowns:
Category A: Most Home Improvement and Selective Medical (Medspa, Audiology, Dentistry, Vision, Fertility)
Category B:Most Medical, Most Consumer Goods, Funeral Homes, Travel
Category C:Auto Repair, Any medical Deemed Risky, Any Consumer Goods Deemed Risky, Vocational Schools, Professional Services
Note: Acceptance in general and acceptance into a specific category are subject to the discretion of the lending company
Documents Required (from business): Flexxbuy Merchant Application (lender terms will be sent to the merchant for execution after receipt of application), voided check, business license (valid contractor license in home improvement and medical certification for medical), acceptable return/cancellation/warranty policy, pictures of inside and outside of business, photo id
Program 55: Prime to Sub-Prime Last Resort Retail and Auto Repair Better Consumer Payment LTO Program
Description: Prime to Sub-prime LTO program for amounts up to $6,500. Terms is up to 24 months . Dynamic pricing based on credit with better consumer pricing than other Lease-to-Own programs. Credit scores as low as 590 accepted. Instant credit decisions with a soft credit check (no inquiry on credit report). Any sale method acceptable. Can be integrated into ecommerce Woo Commerce shopping cart. Business does not have to be a brick-and-mortar.
Customer Process: (1) Customer completes application on-line (any device) from anywhere. (2) An instant decision is provided. (3) Customer e-signs Document (4) Funds are ACH'd into business account within 48 to 72 hours. No payment due at time of sale.
Business Criteria: Business must be in good standing and have $10,000 in the bank . Most recent bank statement is required to verify.
Cost to Business: Discounts vary by industry.
Medical Devices- 5%
Furniture, Mattresses, Auto Dealer Repairs, Mobility Scooter, Pets, Musical Instruments, Sporting Goods, Tools- 6%
Tires and Rims-7%
Jewelry, ATV's. Cell Phone- 8%
Bikes/eBikes- 9%, Other business categories upon request
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business (brick and mortar only), photo id, most recent bank statements (all pages)
Decision time: 3 to 5 business days after signed lender agreement and receipt of all required docs.
Available in all 50 states
Program 31: No Credit Check Lease Purchase Alternative
Description: No credit check lease purchase option for furniture, appliances, electronics (including TVs, laptops, tablets and smart phones), . Amounts up to $6,000 ($9,000 for HVAC and Water Heaters). For HVAC/Water Heaters, can include cost of entire job, including installation. Term from 12 to 24 Months (based on lease amount). Term for HVAC/Water Heaters is up to 48 months. 90 Day SAC (pay no fees if paid off in 90 days). $59.95 due at signing (Option A- Lower Offer) or First payment due at signing(Option B- Higher Offer)-paid to retailer.
Customer Process: Application made in store. Instant decisions provided. Business provides sales receipt/invoice and borrower's photo id. Customer pays $59.95 or first lease payment to the store . Funding upon delivery of merchandise.
Business Criteria: Business must be in good standing (BBB, on-line search, etc.) and up to date with the Secretary of State. Must be in business six months with one additional LTO platform or 1 year without. No Home Based Businesses.
Cost to Business: 1% taken from business funding amount by finance company.
New- Good for Jewelry. Maximum lease is $2,500. Cost to business- 5%.
New- Good for Optical. Maximum lease is $1,500. Cost to business- 1%
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business, copy of sales invoice, photo id.
Decision time: 10 to 14 days after receipt of all docs and submission to lender
Not available in the following states: Alaska, Hawaii, Idaho, Montana, New Jersey, New Mexico, New York, North Dakota, Oregon, South Dakota
Program 6: No Credit Check Installment/Lease Program : Aggressive Installment Loan Program (41 States)/Lease Program (9 States) For Consumers With Sub-Prime Credit And No Credit Score
Description: No credit check program for amounts from $300 to $5,000. Maximum payment terms of 24 months. No down payment required. Early buyout period of 101 days. Effective Interest rate to the consumers (on installment product) of 59%, 99%, or 145% (less than traditional lease-to-own products which are typically 208%). Can be used for part or whole transaction and in coordination with other lending products. Can be utilized for almost every vertical (states that only offer lease product are limited to tangible products). Products can not be required to be registered to operate (ex. Power sports in some areas). E-commerce seamless integration with Woo Commerce, Shopify, Magento, Big Commerce, and other carts. Can also integrate with major POS systems. Consumer's payments are reported to TransUnion.
Customer Process: Application is submitted by borrower or business through a unique application on any device or through ecommerce . Decisions are issued within a few minutes. Agreements are executed on-line (no paperwork). Business is paid directly within 2 to 3 business days.
Business Criteria: Background check on business and owner (no credit check). Business must be in good standing . One year in business required, but if ownership has previous experience in business category, newer businesses are accepted. No revenue requirement. All verticals accepted (but subject to acceptance). States where only lease is available, verticals are limited to tangible products.
Cost to Business: Business received 97% of sales invoice (3% discount).
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business (if brick and mortar), owner's photo id.
Decision time: 3 to 5 days after signed lender application/agreement and receipt of all required docs.
Available in all 50 states.
Lease only states (no service businesses): CO, CT, GA, IA, MD, MA, NY, VT, WV
Program 5: Direct-To-Merchant Off-Prime To Sub-Prime Lender For Brick-and-Mortar Businesses (now) and Most Verticals (coming soon)
Description: Alternative finance program with rates for consumers with credit scores down to 620 (occasionally 600). Loan amounts are from $200 to $10,000. The merchant is paid directly by the lender within 48 hours. The interest rate to the consumer is 22.95% with a term as long as 24 months. Program is available for brick-and-mortar locations but will be available for all sales models before 7/2019 and ecommerce become 9/2019. No minimum time in business requirement or minimum revenue requirement. Brick-and-mortar merchants are provided with a free tablet to conduct transactions. There are no merchant charge-backs or recourse. Most industries are acceptable.
Customer Process: Merchant or Consumer submit an application and through the tablet. All that is needed in the customer's full name, address, date of birth, email, mobile number, ss number and gross annual income. Decisions are rendered off of a soft credit check. Multiple firm offers are made within seconds.
Business Criteria: Business must be in good standing and have a good reputation. There is no minimum revenue or time in business. A background check may be conducted on the owner, but the criteria for approval is fairly easy. Merchant approval rates are over 90 percent.
Cost to Business: A 6% discount is deducted from the amount paid to the merchant. (merchant receives 94% of sale)
Documents Required: Lender application, void business check, proof of business (business license, sales tax license, etc.), pictures (if brick and mortar).
Decision time: Merchant approval typically within 48 business hours.
Not available in IA, WV, CO
Program 15: Prime to Sub-Prime Lease Purchase Program Alternative for commercial products (B-to-B Sales)
Description: Sub-prime lease purchase programs for amounts from $500 to $100,000. It can be used for commercial products only. Terms from 24 to 60 months. Credit scores as low as 550 accepted. Lessee pays a $125 admin fee at time of funding on amounts under $3,500. There is no early payoff promotion option.
Customer Process: Application is submitted by borrower or business through an application provided by Flexxbuy. Typically, 15 minute decision during business hours. If lessee accepts terms, business provides as invoice to Flexxbuy. Executed lease documents are then returned to Flexxbuy for submission to the lender. Process can take 1 or 2 business days. First payment and incidentals due at time of funding. All payments can be made via check or credit card/debit card. No checking account is required.
Business Criteria: Business must be in good standing. New businesses accepted.
Cost to Business: Business received 100% of sales invoice.
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.)- additional docs may be requested by lender at their discretion
Decision time: 2 to 3 days.
Program 47: Sub-Prime Lease Purchase Specialty Program
Description: Sub-prime lease purchase programs for amounts up to $5,000. Terms is 12 months (24 month term on leases over $1,000) with a 90 day quick pay payoff promotion available. Dynamic pricing starting at approximately 10% (subject to credit). Credit scores as low as 550 accepted. In person sales only.
Customer Process: Application is submitted by borrower or business through a unique application . Instant decisions provided. Signed agreement and copy of id required. Customer must have a valid checking account that is at least 60 days open in good standing. First payment taken at time of approval/acceptance. Funding to business in 3 to 5 business days.
Business Criteria: Business must be in good standing .
Cost to Business: Business received 100% of sales invoice (except for car audio, which has a prefunding discount of 2.99%). There is a 3% post funding fee charged by Flexxbuy Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business .
No furniture stores in NY. No jewelry stores in Tx, NC, SC
Program 46: Sub-Prime Lease Purchase Program (consumer goods)
Description: Sub-prime lease purchase programs for amounts from $200 up to $12,000. Terms is up to 36 months. Credit scores as low as 550 accepted. In person, web based and ecommerce sales . 30 days SAC (60 days for furniture). Lower payments than other programs. Bi-weekly consumer payments. Initial deposit of first bi-weekly payment. No pre-payment penalty and discounts for early payoff. Consumer owns the product at end of lease.
Customer Process: Application is submitted by borrower or business through a unique application on any device with internet access . Lender call customer within 5 to 10 minutes. Total transaction time approximately 15 minutes. Signed agreement and copy of id required. Customer must have a valid checking account for three months; Net monthly income of at least $1,300; 1 year current employment. Funding to business in 3 to 5 business days.
Business Criteria: Business must be in good standing . New business acceptable. No revenue requirement. Home based businesses acceptable. Phone and web based businesses acceptable. All consumer goods except for power sports, cell phones (laptops, computers, ok), Home Improvement (Heating and air conditioning products ok- no services)
Cost to Business: Business received 97% of sales invoice (3% discount)
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business (if brick and mortar), owner's photo id.
Decision time: 1 to 2 days after signed lender application/agreement and receipt of all required docs.
Not available in NJ, Mn, WV, WI
Program 34: Prime to Sub-Prime Auto Repair and Accessories (no auto stereo) Financing:
Description: Prime to Sub-prime loan program for amounts from $350 up to $7,500. Terms is up to 36 months (depending on loan amount). Dynamic pricing starting at 9.99% to a maximum of 32% Interest rate (subject to credit and state requirements). Credit scores as low as 550 accepted. 60 Day Interest Free Window. Point of Sale Materials are provided. Lender can integrate with most Service Marketing vendors.>br>
Customer Process: (1) Customer completes application on-line (any device) in repair shop or home. (2) An instant decision is provided. (3) Service center completes the vehicle repair. (4) Customer e-signs Loan Document (5) Funds are ACH'd into service center within 48 hours. No payment due at time of sale. Customer has a 60 day interest free window to pay off loan.
Business Criteria: Business must be in good standing . Standard background check completed.
Cost to Business: Business received 95.5% of sales invoice (4.5% Discount).
There is a lender setup fee and monthly minimum (collected directly by lender) fee as follows**:
* $99 setup/monthly minimum fee for Independent Repair Shop- Lender charges $ 299 on the street
* $199 setup/monthly minimum fee for Franchise Auto Dealers Repair Shop (example. Nissan, Toyota, CarMax, etc.) - Lender charges $299 on the street
** These fees are in addition to the enrollment and monthly minimum fees charged by Flexxbuy
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business, photo id, sales receipt w/return policy. (No Documents Required if Franchise Chain)
Decision time: 1 to 2 days after signed lender agreement and receipt of all required docs.
Not currently available in: Nevada, North Dakota, New York, Massachusetts, Connecticut, Virginia, West Virginia, Tennessee, South Carolina, Georgia, Alaska, Hawaii
Program 56: Prime to Sub-Prime Auto Repair, Tires and Wheels Financing
Description: Prime to Sub-prime loan program for amounts from $800 up to $5,000. This is a revolving line of credit that can only be used in the approved store Terms is up to 36 months (depending on loan amount). Interest rate or 36% to 39% (subject to credit and state requirements). Credit scores as low as 550 accepted. 6 or 12 month Interest Free Window available. Point of Sale Materials are provided.
Customer Process: (1) Customer completes application on-line (any device) in repair shop or home. (2) An instant decision is provided. (3) Service center completes the vehicle repair. (4) Customer e-signs Loan Document (5) Funds are ACH'd into service center within 48 hours. No payment due at time of sale. No checking account required.
Business Criteria: Business must be in good standing . Standard background check completed. Lender is very selective. While no minimum revenue requirement exists, $1 million annual to apply is suggested.
Cost to Business: Business received 92% of sales invoice (8% Discount). Add 1% for 6 months interest free, add 3% for 12 months interest free.
Documents Required (from business): voided business check and proof of business (business license, sales tax license, etc.), picture of inside/outside of business, photo id, sales receipt w/return policy.
Decision time: 7 to 10 business days after signed lender agreement and receipt of all required docs.
Available in All 50 States (No Tire Stores in Texas, New Mexico, Oklahoma and Arkansas)
Program 7: Specialty Direct-To-Merchant Multi-Lender Platform For High Revenue Merchants
Description: Prime to No Credit Required lenders for mostly product oriented
businesses with revenue of $1 million+
. Merchant must get approved by the individual lenders and lenders will be placed in the portal as approved. Each lender does its own underwriting. See lender descriptions below for specifics on each lender. Merchant's sales method can be a point-of-sale, by phone or through ecommerce. Shopping integration requires an IT professional to work with the platform partner. All shopping carts are supported. All lenders pay the merchant directly within three to five business days.
Customer Process: Consumer submits one application and through an algorithm, the application is submitted to eligible lenders for an instant decision. The process is paperless and can be completed from any device.
Business Criteria: Business must be in good standing with a minimum revenue of $1 million. Standard background check completed. Business must have a good reputation. Some lenders may pull a credit report on the business owner. Minimum 1 year in business.
Cost to Business: A 5% discount is deducted from the amount paid to the merchant. (merchant receives 95% of sale)
Documents Required (from business): Varies by lender (see lender descriptions below).
Decision time: Varies by lender.
See lender descriptions for available states, available verticals and other criteria.
Program 7, Lender 1:
Prime to Off-Prime Installment Loan Lender
Description: Installment loans from $1,000 to $15,000. Term: 24 to 60 Months. Credit Score: 660+. 0% promotion available from 6 to 24 months. 14.99% APR to customers
Verticals: Appliances, Consumer Goods, Drones, Electronics, Fitness Equipment
Available in all states.
Documents Required: voided check, business license, owner's driver's license
Program 7, Lender 2:
Prime to Sub-Prime Lease/ Installment Loan Program
Description: Lease installment programs from $500 to $5,000. Term: 12 to 24 months. The term includes a lease for a number of months followed by an installment payoff of the balance. Pricing to consumer is dynamic based on credit. Credit Score: 575+.
Verticals: Appliances, Consumer Goods, Auto Repair , Electronics, Fitness Equipment, Medical Equipment, Jewelry
Most recent bank statement required
Not available in Illinois
Documents Required: voided check, business license, bank statement, owner's driver's license
Program 7, Lender 3:
Prime to Sub-Prime Lease/ Installment Loan Program
Description: Lease installment programs from $200 to $5,000. Term: 12 to 18 months. Program is available as a lease-to-own in certain states and an installment loan in certain states. Pricing to consumer is dynamic based on credit. Credit Score: 525+.
Verticals: Appliances, Consumer Goods, Auto Repair , Electronics, Fitness Equipment, Medical Equipment
Most recent bank statement required
Installment loan states: AK, AZ, CA, DE, HI, ID, IL, KS, KY, MO, NH, NM, NV, NY, OR
Lease-to-own states: AL, AR, FL, GA, IA, LA, MA, MI, MT, NE,NC, ND, OH, RI, TN,TX
Not available: CO, CT, DC, IN, MD, ME, MN, MS, NJ, OK, PR, SC, VT, WV, WY
Documents Required: voided check, bank statement, owner's driver's license
Program 7, Lender 4:
No Credit Check Lease Program
Description: Lease program from $300 to $2,000. Term: up to 18 months. Applicants must have at least $1,000 monthly income. First monthly payment is due at checkout. After 5 months of payments consumer can- return the product to the lender; buy the product at the residual value; continue making payments for up to 18 months and then own the product. Early buyout option in the first 90 days.
Verticals: Consumer Goods, Electronics, Auto Repair (parts must be equal to 51% of total), Furniture, Medical Devices, Jewelry
Not available in NJ, WI, VT, WV
Documents Required: voided check, owner's driver's license
Flexx EZPay Plan: Instant In-House Payment Plan/Financing Program
A simple totally automated buy-now, pay-later plan than can APPROVE ALL customers, regardless of credit and financial profile. This can be offered to any consumer that can't pay using traditional methods or does not qualify for other third-party financing solutions. With Flexx EZPay Plan, a business never has to lose a potential sale again.
This can be utilized for any kind of sale: face-to-face, telephone, etc.
This can be used in a split sale where the customer can pay part of the sale through other means and utilizes this program to complete it.
This can be used for accounts receivables and re-marketing to previous customers and leads.
Standard Program: Business gets paid monthly as they are collected. Defaults are low because to the consumer this looks like any other third party financing option. The payments are processed via debit or credit card through a third party.
Guaranteed Program: The business is paid monthly and is paid even if consumer misses payments or even defaults. There is no recourse to the business. There is no credit check on the customer. Can be used for specific business verticals (see below).
Program Details
Standard Program:
* 100% approved
* Any length term
* Any amount
* Any business vertical
* Customer pays 5% plus $3 per month for length of term
* Business pays 5% discount
Guaranteed Program:
* 100% approved
* Amounts from $500 to $2,500
* No credit check
* Customer pays 10% to 20% convenience fee at time of sale (based on income, debt-to-income ratio, length of employment and other criteria)
* Term is 6 to 24 months
* Business pays 5%
* Accepted verticals- Dental, Medical Aesthetic/MedSpa, Veterinarian, Chiropractic, Medical Specialists
Documents Required: voided check, proof of business
Business Criteria: All businesses accepted (other than restricted verticals- Guns and Other Weapons,Porn, Taxidermy (any business that profits from the death of animals), Puppy mills, Anything Illegal
Setup Time: Typically in 24 to 48 business hours
Available in all U.S.
Flexx EZPay Plan Plus: Instant In-House 100% GUARANTEED Payment Plan/Financing Program For Services (not products or parts)
An in-house payment program where the business is paid each month. There is no financing fee to the business. All contracts and payments are managed for the business. All applicants are approved. No social security number is required. Citizenship is not required. All applications and contract completions are done on-line.
While any business can utilize this program, only the service/labor portion of the invoice can be guaranteed in the event of default. Products, parts and materials are not guaranteed.
This can be offered to any consumer that can't pay using traditional methods or does not qualify for other third-party financing solutions. With Flexx EZPay Plan Plus, a business never has to lose a potential sale again and not receive its money, even in the event of default.
This can be utilized for any kind of sale: face-to-face, telephone, etc.
This can be used in a split sale where the customer can pay part of the sale through other means and utilizes this program to complete it.
This can be used for accounts receivables and re-marketing to previous customers and leads. Missed and failed payments are reprocessed in real time and followed up with auto emails and texts.
In the event of default, the business puts in a claim and provides invoice, personal id of the customer and proof that the service has been completed. The business has to be considered active, which means they submit one contract per month. There is a 10% fee deducted from each payment made on behalf of a defaulted customer. In addition, there is a $30 contract cancellation fee.
Program Details
* All customers approved (as long as first payment is processed)
* Amounts from $300 to $20,000 (higher upon approval)
* Maximum term of 12 to 48 months
* Interest rate to customer of 13.99% to 16.99% (16.99% at a minimum of 12 months and drops by .5% every 6 month the term increases to a max of 48 months at 13.99)
* All payments, on service portion of invoice, are guaranteed to the business in the event of default
* All payments by customer have to be made by debit or credit card (ACH is in the plan for 2020)
* Customer pays a 3% per payment transaction fee (added to monthly payment amount)
* No down payment required to the business by customer (though it is suggested)
* All payments made by customer are reported to the credit bureaus
* All activity can be accessed by the business 24/7 through the on-line portal
Breakdown Of A Transaction
* Payment 1 By Customer At Time Of Transaction: Origination fee paid by customer to EZPay Plan Plus administrator
* Payment 2 By Customer 30 Days Later: Held in reserve by EZPay Plan Plus administrator and paid to business at end of contract
All future payments go to business
Documents Required: voided check, proof of business
Business Criteria: A reputation review is conducted on business. No restricted industry.
Setup Time: Typically in 48 to 72 business hours
Available in all U.S
Optional Add-On Program
Flexx Extend: In-House Financing/Payment Plan Solution
Design your own in-house financing plan that we manage for you. Ideal for service businesses and businesses that sell a high profit margin product.
Defaults are low because to the consumer, it looks like a third party loan. There are no payments for you to collect or collection calls. We do it all for you.
* Plan offerings are designed to take into account the payout worthiness of the applicant, the product/service you offer, and profit margin. You decide the risk and the amount required for down payment. We can run credit on each application and you determine the approval criteria or, you can decide to approve everyone. The choice is yours.
* Easy on-line application
* Credit, banking & fraud analysis
* Control your own credit terms: You have the ability to vary the minimum down payment, interest rate and term according to your risk comfort
* You have complete management of the billing and payments life cycle.
* Consumer portal and communications
* Much lower default rates than self-managed payment plans
* Earn interest to offset costs and risks
* Utilize it to collect on existing accounts receivables
* Proven technology with over 50 billion transactions annually
* Co-branded loan environment and portal
Cost To Business: $495 Additional one time setup fee for customized plan, training and orientation plus, $39.95 Additional monthly subscription fee. A merchant account with Card Connect is required for In-House Payment Plans
Documents Required: voided check, copy of FEIN (Federal Tax ID), business owner's driver's license
Cost to Consumer: $49.95 Plan Origination Fee, $5 Monthly Transaction Fee
Allow 4 to 6 weeks for complete customization and setup
Owner Information
Name
*
First
Last
Title
*
Home Address
*
Street Address
Address Line 2
City
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Armed Forces Americas
Armed Forces Europe
Armed Forces Pacific
State
ZIP Code
Cell Phone
*
Email Address
*
Date of Birth
*
Date Format: MM slash DD slash YYYY
Percent Ownership
*
Social Security Number
*
Is There Another Owner?
*
Yes
No
Name
First
Last
Title
Home Address
Street Address
Address Line 2
City
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Armed Forces Americas
Armed Forces Europe
Armed Forces Pacific
State
ZIP Code
Cell Phone
Email Address
Date of Birth
Date Format: MM slash DD slash YYYY
Percent Ownership
Social Security Number
*
Terms and Conditions/Payment Authorization
1. Relationship with FLEXXBUY, LLC (hereinafter called “FLEXXBUY”)
1.1 Your use of FLEXXBUY’s software, services and promotional images including but not limited to “Icons” referred to collectively as the “Services” is subject to the terms and conditions set forth in this legal "Agreement" between you and FLEXXBUY. Icons include buttons, icons, banners and similar items provided by FLEXXBUY in connection with providing the Services.
1.2 Participating Merchant is a Client of FLEXXBUY and is utilizing FLEXXBUY’s software and lenders to process Customer/Borrower loan applications. The technology used in the platform was created by FLEXXBUY, LLC whose principal place of business is 540 NW university Blvd, Ste 209, Port St Lucie, Fl 34986. This “Agreement” sets out the “Terms and Conditions” (“Terms”) governing the use of the Services.
2. Acceptance of Terms
2.1 By clicking "Accept", or executing and returning this Agreement, Merchant agrees to be bound by the terms, conditions, and warranties of this Agreement.
2.2 Merchant warrants that they have the capacity to form a binding contract with FLEXXBUY; and are not barred from receiving the Services under the laws of the United States.
2.3 Once you accept the Terms, FLEXXBUY may seek approval from one or more of the financial institutions it works with that may issue credit to your eligible customers that may apply. The Merchant acknowledges and understands that a financial institution that FLEXXBUY has a relationship with may offer credit to your customers and FLEXXBUY is not responsible for examining or evaluating such offerings and FLEXXBUY does not warrant the offerings of any financial institution. FLEXXBUY will determine whether, in their sole and absolute discretion, to approve an applicant as a Merchant and to provide the Services as is and where is. Merchant agrees that upon acceptance of the Terms, Merchant shall be obligated to pay to FLEXXBUY those amounts as captioned in this Application, Agreement and Payment Authorization for Set Up Fees, Monthly Fees and Transaction Fees. Merchant agrees that FLEXXBUY may change, modify, or waive any fees in their sole and absolute discretion, and notification of such changes shall be submitted to Merchant via electronic means. By continuing to utilize the Services, Merchant agrees to such changes in pricing. Should Merchant wish to reject revised changes, they may do so by exercising their Termination option captioned in 9.2.
3. License from FLEXXBUY
3.1 FLEXXBUY grants you a royalty-free, non-transferable and non-exclusive license to use the FLEXXBUY Icons provided to you by FLEXXBUY as part of the Services.
3.2 Unless FLEXXBUY has given you specific written permission to do so, you may not assign or transfer (or grant a sub-license of) your rights to use the Services, grant a security interest in or over your rights to use the Services, or otherwise transfer any part of your rights to use the Services.
4. Merchant Representations
4.1 Merchant represents and warrant that they are engaged in legal activities conducted in compliance with all applicable laws; the use of this Service does not violate any licensing or other law, rule or regulation that governs their business (including but not limited to those governing financial services, consumer protection, unfair competition, anti-discrimination, and false advertising); they are not engaged in any consumer fraud or deceptive trade practice; they agree that the products and/or services do not violate any local, State or Federal law, rule or regulation; and the Services will be used only to facilitate the purchase of goods and services offered for sale in the ordinary course of their business.
5. Use of the Services
5.1 In order to access the Services, Merchant may be required to provide information about the company and owner(s),including but not limited to information provided in the “Merchant Application,” Merchant agrees that any registration information given to FLEXXBUY will be accurate, correct and up to date.
6. Privacy and Your Personal Information
6.1 For information about data protection practices as it applies to Merchant accounts, please read FLEXXBUY’s privacy policy at https://www.flexxbuy.com/privacy-policy .This policy explains how FLEXXBUY treat Merchant's personal information when the Services are used.
7. Proprietary Rights and Intellectual Property
7.1 Merchant acknowledges and agrees that FLEXXBUY (or FLEXXBUY’s licensors including banks, financial institutions and other companies that FLEXXBUY works with in relation to providing the Services) own all legal right, title and interest in and to the Services, including any intellectual property and any related rights which subsist in the Services (whether those rights happen to be registered or not, and wherever in the world those rights may exist).
7.2 Merchant understands and agrees that they cannot and will not mention or use FLEXXBUY’s name or the names of any of its licensors that may provide the Services in any of your marketing materials without the prior written consent of FLEXXBUY. Notwithstanding the preceding sentence, you may use the Icons supplied to you by FLEXXBUY on your website(s) as set forth in this Agreement.
7.3 Merchant agrees that all Icons relating to the Services are the property of FLEXXBUY and are protected by copyrights, trademarks, trade secrets, or other proprietary rights and these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed, regardless of whether or where such rights are filed. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any Icon, in whole or in part. Any use other than as contemplated herein, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on FLEXXBUY’s site or the Icons, except as specifically permitted herein, is strictly prohibited. All other marks, names, and logos mentioned on FLEXXBUY’s site or in the Icons are the property of their respective owners and similarly may not be used, modified, or altered in any way whatsoever.
8. Provision of the Services by FLEXXBUY
8.1. Merchant acknowledges and agrees that the form and nature of the Services that FLEXXBUY provides may change from time to time without prior notice to you.
8.2 Merchant acknowledges and agrees that FLEXXBUY may stop (permanently or temporarily) providing the Services (or any features of the Services) at FLEXXBUY’s sole and absolute discretion, without prior notice.
8.3 Merchant may not assign or otherwise transfer this Agreement. By participating in the Program, Merchant authorizes FLEXXBUY and its technology providers/lending institutions to use your contact information to communicate with you about the program and FLEXXBUY services generally. FLEXXBUY may assign part, or all, of its rights, duties,and obligations under this agreement, and if so assigned, FLEXXBUY shall provide notification to Merchant of any such change.
9. Termination
9.1 The Terms will apply beginning on the date you click "Accept" or execute and return the Agreement to FLEXXBUY and will continue to apply until terminated by either you or FLEXXBUY as set forth below.
9.2 Merchant may terminate their legal agreement with FLEXXBUY, by (a) notifying FLEXXBUY with at least thirty (30) days’ notice; and (b) permanently removing all Icons from their websites. The notice must be sent, in writing, to FLEXXBUY’s address which is set out in Section 1.2 above, or delivered by electronic means to info@flexxbuy.com or fax to 772-224-3283.
9.3 FLEXXBUY may at any time, terminate its legal agreement with you if:
(a) You have breached any provision of the Terms (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or
(b) FLEXXBUY is required to do so by law (for example, where the provision of the Services to you is or becomes unlawful); or
(c) A financial institution with whom FLEXXBUY offered the Services to you has terminated its relationship with FLEXXBUY or ceased to offer the Services to you.
9.4 When these Terms come to an end, all of the legal rights, obligations and liabilities that you and FLEXXBUY have benefited from, been subject to (or which have accrued over time while the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by a Termination, and the provisions of paragraph 11, 12 and 13 shall continue to apply to such rights, obligations and liabilities indefinitely.
10. Relationship Among the Parties
10.1 The parties agree that they are each independent contractors and nothing contained within this Agreement will create any partnership or joint business venture, agency or franchise, sales representative, or employer / employee relationship. Merchant shall not have any authority to make, accept, or solicit any offer or representation on behalf of FLEXXBUY or any of its financial institutions. Merchant shall not make any verbal, written, or electronic statement that may contradict this stated relationship of the parties.
11. Limitation of Liability
11.1 MERCHANT AGREES THAT FLEXXBUY AND ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS THAT MAY PROVIDE THE SERVICES SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, OR EXPENSE OF ANY KIND ARISING OUT OF OR RESULTING FROM MERCHANT'S USE OF THE SERVICES REGARDLESS OF WHETHER SUCH LIABILITY IS BASED IN TORT, CONTRACT, OR OTHERWISE. IN NO EVENT, INCLUDING WITHOUT LIMITATION A NEGLIGENT ACT, SHALL FLEXXBUY OR ANY OF ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY WAY RELATED TO THE SERVICES OR INABILITY TO USE THE SERVICES GENERALLY, OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, REGARDLESS OF WHETHER FLEXXBUY OR ANY OF ITS TECHNOLOGY PROVIDERS AND FINANCIAL INSTITUTIONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
12. Merchant Indemnification
12.1 Merchant and Flexxbuy each agrees to indemnify, defend and hold each other and its directors, officers, employees, agents, shareholders, partners, members, technology providers, financial institutions, and associates from and against any and all claims, suits, actions, demands, injuries, liabilities, losses or deficits, damages, judgments, settlements, costs, or expenses arising out of or related in any way to the action of the other party as it pertains to the use of this Services. The terms of this provision shall survive termination of this Agreement.
13. Confidentiality/Non-Compete/Non Circumvent
13.1 All FLEXXBUY information, pricing, agreements, correspondence, content, marketing technique, publicity technique, public relations technique, process, technique, algorithm, program, design, drawing, mask work, formula, test data research project, work in progress, future development, engineering, manufacturing, marketing, servicing, financing or personal matter relating to the disclosing party, its present or future products, sales, suppliers, clients, customers, employees, investors or business, whether in oral, written, graphic or electronic form and any information you acquire in relation to this Agreement and using the Services (other than using the Icons in the manner permitted in this Agreement) shall remain Strictly Confidential and shall not be used, directly or indirectly, by you or any third party for your own business purposes. The term "Strictly Confidential" shall not be deemed to include information that (i) is now, or hereafter becomes, through no act or failure to act on the part of the receiving party, generally known or available information, (ii) is known by the receiving party at the time of receiving such information as evidenced by its records, (iii) is hereafter furnished to the receiving party by a third party, as a matter of right and without restriction on disclosure, (iv) is independently developed by the receiving party without reference to the information disclosed hereunder, or (v) is the subject of a written permission to disclose provided by the disclosing party. Notwithstanding any other provision of this Agreement, disclosure of Strictly Confidential Information shall not be precluded if such disclosure: (a) is in response to a valid order of a court or other governmental body of the United States or any political subdivision thereof, (b) is otherwise required by law, or, (c) is otherwise necessary to establish rights or enforce obligations under this agreement, but only to the extent that any such disclosure is necessary. In the event that the receiving party is requested in any proceedings before a court or any other governmental body to disclose Strictly Confidential Information, it shall give the disclosing party prompt notice of such request so that the disclosing party may seek an appropriate protective order. If, in the absence of a protective order, the receiving party is nonetheless compelled to disclose Strictly Confidential Information, the receiving party may disclose such information without liability hereunder, provided, however, that such party gives the disclosing party advance written notice of the information to be disclosed and, upon the request and at the expense of the disclosing party, uses its best efforts to obtain assurances that confidential treatment will be accorded to such information. Merchant agrees not to circumvent, bypass, solicit, or accept solicitation from any technology provider or financial institution source that has/have/will have a financial relationship with FLEXXBUY, and which relationship is disclosed to Merchant by FLEXXBUY, during the term of this contract and for a twelve (12) month period after Merchant's Termination under 9.2 without the written permission of FLEXXBUY. Merchant also agrees not to enroll in any financial institution program affiliated now or hereafter with the Services during the Term of this contract and a period of twelve (12) months after a Termination under 9.2 Merchant agrees that any violation or threatened violation of this provision may cause irreparable injury to FLEXXBUY and FLEXXBUY is entitled to seek injunctive relief, equitable relief and all legal remedies available to enforce the provisions of this Agreement.
14. Changes to the Terms and Acceptance
14.1 FLEXXBUY may, in its sole and absolute discretion, make changes to the Terms from time to time. When these changes are made, FLEXXBUY will make available to you any new Additional Terms from within, or through, the affected Services.
14.2 You understand and agree that if you use the Services after the date on which the Terms have changed, FLEXXBUY will treat your use as acceptance of the updated Terms, unless however, you exercise your Termination option captioned in 9.2.
15. General Legal Terms
15.1 The Terms constitute the entire legal agreement between you and FLEXXBUY and governs your use of the Services (but excluding any services which FLEXXBUY may provide to you under a separate written agreement), and completely replaces any prior agreements between you and FLEXXBUY in relation to the Services.
15.2 If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms is invalid, then that provision or provisions will be removed from the Terms without affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and enforceable.
15.3 This Agreement and your relationship with FLEXXBUY under the Terms shall be governed by the laws of the State of Florida without regard to its conflict of laws provisions. You and FLEXXBUY agree to submit to the exclusive jurisdiction of the courts located within St Lucie County, Florida to resolve any legal matter arising from the Terms. Notwithstanding this, you agree that FLEXXBUY shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction. The parties hereto agree that any claim, or any controversy under this Agreement will be resolved by binding arbitration conducted in accordance with the Commercial Arbitration rules of the American Arbitration Association, as such rules shall be in effect on the date of delivery of demand for arbitration, which arbitration will be held in St Lucie County, Florida. Each party shall pay the fees of its own attorneys, the expenses of witnesses and all other expenses connected with the presentation of such party’s case, except that the arbitrators may impose all such fees, costs and expenses otherwise payable by the prevailing party on the losing party if they determine that the losing party’s position was taken without good faith or solely for the purpose of delay. The costs of the arbitration including the cost of the record of transcripts thereof, if any, administrative fees, and all other fees and costs, shall be divided equally between the parties, except that the arbitrators may impose all such fees, costs and expenses otherwise payable by the prevailing party on the losing party if they determine that the losing party’s position was taken without good faith or solely for the purpose of delay. The arbitrators will be empowered to award damages in the amount established by the preponderance of the evidence and in accordance with the terms of this Agreement. The arbitrators will have no authority to award punitive damages or any other damages not measured by the prevailing party’s actual damages, and may not, in any event, make any ruling, finding or award that does not conform to the terms and conditions of the Agreement. The arbitrators also will have the authority to grant any temporary, preliminary or permanent equitable remedy or relief they deem just and equitable and within the scope of this Agreement, including, but not limited to, an injunction or order for specific performance. Any award will be final and binding upon the parties and their successors and permitted assigns. Any party may apply to any court of competent jurisdiction for confirmation and entry of judgment based on the award of the arbitrators.
15.4 Notices: Any notices required by this Agreement shall be directed via Mail and electronic copy to those identified below: Flexxbuy, LLC, 540 NW university Blvd, Ste 209 , Port St Lucie Fl 34986 Email: info@flexxbuy.com
16. Fees and Settlement
16.1 Discount Fees: FLEXXBUY merchant fees vary per type of finance program, and is calculated based on the face or funded value of each successful transaction. Please reference to your selected participating finance program in your Merchant Application and this Agreement for the corresponding fees per Lending Program and promotional offerings.
16.2 Per Transaction Fee: If applicable, a Transaction Fee is charged per loan funded through the FLEXXBUY loan application platform. Fees are debited via ACH/Check Draft from the provided merchant checking account within 48 hours or the stated time frame as per the invoice for each funded loan. Please reference your selected participating finance program in your Merchant Application for the corresponding per transaction fees.
16.3 Settlement: a) For FLEXXBUY generated revolving and installment credit programs, the issuing lender will settle directly the amount of the purchase into the provided merchant checking account, minus the agreed discount fees. (Please refer to the corresponding bank contract for details). In addition, there may be a post funding fee charged by Flexxbuy. If applicable, fees are debited via ACH/Check Draft from the provided merchant checking account within 48 hours or the stated time frame as per the invoice for each funded loan or monthly lender statement. Please reference your selected participating finance program in your Merchant Application for the corresponding per transaction fees.
Payment Authorization:
Enrollment Fee and Minimum Monthly Subscription Fee: I authorize Flexxbuy LLC or its designated agent(s) (hereafter Flexxbuy) to transact and collect the amount indicated in the Merchant Agreement or separate Payment Authorization Form, if applicable, for the Enrollment/Setup Fee, upon approval of My Merchant Application using the method determined by you. I understand that this fee is non-refundable. I also authorize Flexxbuy to debit my checking account, as represented by the voided check you provide, for Program Fees and Post Funding Discount Fees as indicated in this Agreement and/or Merchant Application. This authorization shall remain in effect until Flexxbuy receives a 30-day written notification from me of intent to terminate in such manner as to afford Flexxbuy reasonable opportunity to act. I understand that Termination does not alter any amount due Flexxbuy through results achieved prior to termination and this Payment Authorization will remain in effect until such amount is paid in full. In addition, any consumer application submitted following termination through the Flexxbuy application process or through any lender arranged by Flexxbuy is an acknowledgment of a willingness to participate in the program until the next billing cycle or until which time there are no pending applications. Any changes, such as change in bank and/or bank account number will require a new voided check to be used for payment submitted to Flexxbuy 15 days prior to any change being implemented. I understand that this payment plan may be canceled by Flexxbuy due to non-sufficient funds (NSF). In the event my account does not have sufficient funds for the payment and the payment is returned, I will be liable to pay an NSF fee of $25 per occurrence (or the amount allowed by law) which may be automatically debited for each NSF or attached to the payment attempt made by Flexxbuy. I represent and warrant that I am authorized to execute this payment authorization for the purpose of implementing this payment plan. I indemnify and hold Flexxbuy and the bank(s) harmless from damage, loss or claim resulting from damage, loss or claim resulting from all authorized actions hereunder.
BY ACCEPTING AND SIGNING THIS AGREEMENT, YOU REPRESENT AND WARRANT THAT YOU HAVE ALL NECESSARY AND REQUIRED APPROVALS AND ARE LEGALLY AUTHORIZED TO ENTER INTO SUCH AGREEMENT AND INTEND TO BE BOUND BY THE TERMS CONTAINED HEREIN.
*
I agree to the Terms of this Agreement
To view/print the Terms, go to
https://flexxbuy.com/merchant-agreement-terms-and-conditions
*
I agree that Flexxbuy will collect the $140 enrollment/setup fee payable upon approval into one of my selected Programs. In addition, Flexxbuy will collect a rebatable $59 subscription fee via credit/debit card, ACH or check draft upon enrollment into one of my selected programs and every subsequent 30 day period (approximately) thereafter.
Rebate Program:
The subscription fees will accrue and upon funding of any loan through the Credit Select Plus platform, a rebate of all subscription fees paid and not previously rebated will be deducted from the 3.9% funding fee due Flexxbuy (for a net cost of $0 upon utilization). Accrued subscription fees are only applied toward funding fees and are non-refundable. Subscription fees are eligible for rebate as long as Client/Merchant remains an active Flexxbuy client in good standing.
Other lending programs and platforms provided, if applied for and eligible, are contracted at a different cost and fee structure and will be disclosed and applied, as required.
By submitting this application I will be completing the signing process and this application will be submitted for approval to Flexxbuy and/or it's partnered lenders. I agree to this electronic representation of my signature. I further understand that by completing this process, it will have the same legally binding effect as signing my signature using a pen and paper.
*
With your finger or mouse, Merchant Representative sign here (if using a mouse, hold right click button when signing)
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