Proposal Creator Tool

Complete the form below to prepare a proposal for a prospective client.

Make sure to check all the boxes that apply.

Once you are ready, click submit. If you elected not to have the proposal sent directly to your prospect, the completed proposal will be email to you. You can save it and send it at your discretion. Thank you

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About Flexxbuy

Founded in 2014, Flexxbuy has become a leader in the customer financing and alternative payment space by striving to be the one-stop solution for all businesses seeking a way to maximize their marketing and sales efforts. The founders have over 60 years of financing and payment experience.

FLEXXBUY has one mission, to help businesses make more sales by providing consumers with payment options beyond their current methods.

More people today are living paycheck-to-paycheck than ever before. It’s essential to make the path to a sale as easy as possible and options are the way to do that.

FLEXXBUY can provide most businesses with an easy, on-line customer financing platform consisting of up to ten lenders in a snap. No need to go out and find lenders that will meet all your needs. We can provide your business with multiple lenders in a bundle without the headaches associated with going out and doing it yourself.

Our formula is that we combine financial market technology with top of industry support. From the onset, we make sure you, our business client and your customers are given the best chance of success. We jump into your sale to assure that the financing component fits in smoothly.

Our experience, reputation and dedication to excellence speaks for itself. Contact us today so we can show you exactly how we can contribute to your future success.

About Customer Financing

Customer Financing helps businesses grow by providing them with a payment option for customers that have no other way or are resistant to utilizing the funds they have or their existing credit resources. A recent survey found that 80 percent of respondents that utilized financing stated that the financing strongly impacted their decision to buy from a specific business.

Think about it. These are all customers that business would not have even seen if not for the financing. When was the last time you purchased a home or car without financing? You probably wouldn’t even consider it. Well, for the 65 percent of consumers with less than $1,000 in the bank, a $1,000 purchase might as well be a car.

Customer financing is really an essential marketing and sales tool for almost any business. People are seeking it out and once engaged, are depending on it. For businesses looking to grow, customer financing should be the first line of offense and the first line of defense. In other words, it can drive prospects to your door, phone, and web page and it can also be there when all else fails.

And customer financing does not have to be just for those with less than prime credit. As you will see with Flexxbuy, financing can reward folks with excellent credit by providing very low interest rate and payment options. And yes, it can also make a sale possible for people that would otherwise have no other options. Either way, for the savvy business that utilizes it, it’s a path to higher revenue and greater profits.

Suggested Programs

Select the program(s) that you want to propose for the business. 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.

Platform 1: Credit Select Plus: Direct to Borrower : Credit Based Platform

Multi-lender platform consisting of over 30 lenders that provides approvals to individuals with credit scores as low as 500 and for amounts up to $100,000.

Applications are submitted through loan page/application link customized for business. Maximum terms of 72 months. Interest rates start at 4.99% (subject to credit criteria). Funds are funded directly to the borrower, typically within three business days. No impact on consumer’s credit to submit application (soft credit pull only). No collateral required. One application is instantly submitted to multiple lenders. Platform consists of both loans and quick access lines of credit. The number of lenders in the platform available to a consumer will vary by state and other loan criteria. Flexxbuy supports loan application from submission through funding. Easy process for business. Very low fallout rate (typically less than 5%) of funded loans not used for sale.

Cost to Business: 3.9% of funded loan or invoiced amount collected by business (if business does not complete the sale, there is no fee), whichever is lower, plus a $50 administration fee deducted from business approximately 10 days loan is funded

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.

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Platform 1 Supplemental: No Credit Needed Installment Direct-to-Borrower Point-Of-Sale Program
(Enrollment into the program is subject to approval)

Aggressive Installment Loan Program For Consumers With Sub-Prime Credit And No Credit Score

Description: No credit required program for amounts from $300 to $3,500. Maximum payment terms of 24 months. No down payment required. Early buyout period of 101 days (consumer pays between $50 and $99 buyout and all interest is forgiven). Effective Interest rate to the consumers of 145% (less than traditional no credit lease products which are typically 208%). Full credit check on consumer applications. Can be used for part or whole transaction and in coordination with other lending products. Available for most businesses and legal verticals. 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. High approval rates. Approvals not typically based on FICO Score

How It Works: The consumer loan application is completed and submitted from any device and a decision is rendered within seconds. The consumer agrees to the offer and completes the edocs. Shortly after, the money is funded directly to the consumer’s debit card. The business and the customer now complete the sale with a payment via debit card, ach or check.

Business Criteria: Most brick-and-mortar businesses are accepted. Other businesses subject to stricter criteria. Business must have a website

Cost to Business: Flexxbuy charges a 2% post funding fee 5 to 10 days after sale. Funds are collected from the business directly.

Documents Required (from business): voided business check and proof of business .

Decision time: 3 to 5 days after signed lender application/agreement and receipt of all required docs.

Not available to consumers that reside in the following states: CO, CT, GA, IA, MD, MA, NY, VT, WV, NH, PA. Businesses that reside in one of the restriced states but work with consumers in multiple states are rarely approved.

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Credit Select Plus For Retail Consumer Goods Businesses Only: Credit Based Platform

One Application, multiple lenders, instant decision, fast funding.
Credit scores as low as 500 and for amounts up to $50,000. Maximum terms of 60 months. Interest rates will vary from 4.99% to 32.99% (other rates may apply), subject to borrower credit. Funds are funded directly to the borrower who then pays the merchant. Flexxbuy’s detailed support process and procedures assures that approximately 95 percent of loans funded are used to complete the sale (better than most direct to merchant lenders).

Customer Process: Applications are submitted through a unique loan application link provided to the business (typically under two minutes to complete). An instant decision is provided and emailed to the borrower, as well. Final approval/funding to borrower’s checking account (1 to 3 days is typical)

Cost to Business: A $49 Administration fee is deducted from business approximately 10 days after funding

Easy approval process for business in as little as 24 hours after receipt of voided business check (or the equivalent) 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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Program 3: Credit Select Plus Bonus Program: Direct to Merchant: Credit Based Financing Option- Home Improvement/Medical

PLEASE READ ENTIRE DESCRIPTION BEFORE SELECTING

Program Description: Single Application, Multi-lender platform that funds the merchant directly. Applicants approved with credit scores as low as 550 . Amounts up to $100,000. Merchant is funded directly typically within 1 to 3 business days. Approvals are firm at point of sale and typically not subject to stipulations. Costs and terms will vary by lenders. Interest rates start at 8.99%, based on credit quality of consumer. Terms up to 15 years. Lenders may require a hard credit pull upon disclosure to applicant

. Additional lenders/product features:
● Line of Credit/Revolver for Prime-to-Subprime (credit score as low as 550)
● 0% Promotional Products (at additional costs)
● Merchant Discounts starting at 0%

Business Requirements: Any size business acceptable. Preferred time in business is 18 months unless business owners can demonstrate significant industry experience. Suggested minimum revenue of $2million per year. Background check on owner and business (no hard credit check). Entry into the program is subject to the approval of Flexxbuy and program underwriters.

Required Documents: Flexxbuy Merchant Application, voided check, business license- (additional documents may be required by program underwriters upon submission.

Cost to Borrower: Lender may or may not include an origination fee as a condition of funding.

Cost to Merchant: NOTE: Platform provider charges a $150 fee upon application for merchant approval. This fee is paid directly to the platform provider. Discount funding fee starting at 0% of funded loan amount to merchant (varies per lender and approval). Program may apply an access fee, which will be disclosed upon loan offer, on a case-by-case basis.

Note: Funding fees/Discounts will vary as lenders and product features are added. Business has the final right of deciding whether to present an offer to a consumer and can reject presenting an offer for any reason.

Borrower Terms/Promotions:Cost and terms will vary by lender. Promotions will be offered when available.

Business Setup Time: Typically 5 to 7 days for decision/setup

Lease-to-Own Bundle: One Application/Multiple Lease-To-Own Programs For Retail Businesses
(Enrollment with lenders/providers is subject to approval)

No Credit Needed Lease Solutions that can be completed from any device and any location. Merchant is funded directly. Competitive terms and pricing including 0% (Same-As-Cash) Promotions.

Business Criteria: Background check on business and owner. Business must be in good standing . Other criterias apply on a per lender basis.

Current Providers: Okinus, UOwn Leasing and American First Finance (more coming soon) Cost to Business: Discounts (Fee deducted from payout amount to Merchant) vary by lender but are typically 0% to 3%. A 1% Flexxbuy platform fee applies in some cases

Patient Care Module (Coming Soon!): Multi-Lender Platform Add On For Health, Dental, Vision, Cosmetic Surgery, Medical Spas, Fertility Care,and More
(Enrollment with lenders is subject to approval)

Prime and Sub-Prime lending program that can be completed from any device and any location. Practice is funded directly. Competitive terms and pricing including 0% (Same-As-Cash) Promotions. Rates start at 7.99%. Module includes (optional) a fully administered in-house GUARANTEED payment program that can be utilized on declined applicants

Business Criteria: Background check on business and owner. Business must be in good standing . Other criterias apply on a per lender basis.

Cost to Business: Discounts vary by lender. A 1% Flexxbuy platform fee applies in some cases

Home Improvement Module (Coming Soon!): Multi-Lender Direct-to-Merchant Platform Add On For Select Home Improvement Businesses and Contractors in HVAC, Doors & Windows, Roofing, Solar, Electrical, Plumbing, Water Treatment General Home Improvement and More
(Enrollment with lenders/providers is subject to approval)

Prime, Sub-Prime Loan Programs and No Credit Needed Lease (HVAC) Programs that can be completed from any device and any location. Merchant is funded directly. Competitive terms and pricing including 0% (Same-As-Cash) Promotions.

Business Criteria: Background check on business and owner. Business must be in good standing . Minimum annual revenue of $500,000. Other criterias apply on a per lender basis.

Cost to Business: Discounts vary by lender. A 1% Flexxbuy platform fee applies in some cases

POS Direct Financing Lender (Coming Soon!): Multi-Lender Platform Add On For Service Businesses In Coaching/Training, Vocational Training, Tax Resolution, Time Share, and More

Prime and Sub-Prime lending program that can be completed from any device and any location. Amounts up to $30,000. Business is funded directly. Competitive terms and pricing including 0% (Same-as-Cash) promotions option.

Business Criteria: Background check on business and owner. Business must be in good standing . Business must demonstrate an ability to conduct a minimum of $75,000 of monthly financing volume (exceptions may be made on a case-by-case basis). Other criteria apply on a per lender basis.

Cost to Business: Discounts vary by applicant’s credit score. The business has final approval on whether or not to present the offer made by the lender. A 1% Flexxbuy platform fee on funded loans may apply in some cases.

FlexxALL-100% Approval Financing Regardless Of Credit Score:

No Sale Left Behind, Ever

* Customer doesn’t have to have credit or own a credit card

* 12 months same as cash program

* Loans up to 24 months (36 months on a case-by-case basis) at competitive rates

* Amounts from $1,000 to $17,000

* Funds deposited into your bank account (30 to 50 percent advance)

Business Criteria: Business is subject to qualifying for the program. In general, business revenue of $1 million annual is required. Business has to be doing $100,000 per month in financing or show the potential to do it. Financial statements are required (3 months of bank statements, Tax Return Schedule A, etc.). Other qualifying criteria may apply.

Cost to Business: Discounts vary by applicant’s credit score. The business has final approval on whether or not to present the offer made by the lender.

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Platform 3: Credit Select Plus: Direct-to-Merchant Credit Based Platform
(Enrollment into the program is subject to approval and is very selective)

Description: Single Application, Lender platform that funds the merchant/business and approves consumers with credit scores as low as 620 amounts from $500 to $35,000. Interest rates to borrower are 12% to 35%, based on credit. Maximum term is 60 months. Instant pre-approvals with no stipulations up to $10,000. Amounts above $10,000, final approval is subject to verification of certain information,upon request from lender. Business is funded full amount less discount. Optional 0% Same-As-Cash Promotion Available. (upon approval)

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 .

Business Criteria: Business and owner background check required. Businesses in physical locations only. One Year in Business. Business website usually required. Not available for: Jewelry, Car Stereo & Alarm, Tires & Wheels, Pets, Tax Resolution, Attorney, Rehab Facilities, Chiropractic medicine, Men’s Vitality, Fitness Businesses, Pawn Shops, Auto Sales, On-line businesses. Note: Approval into the platform is very selective.

Cost to Business: 8% discount deducted from funds distribution to merchant.

Add 2.5% Discount for 6 month SAC (0%interest)
Add 5.0% Discount for 12 month SAC (0% interest)

Documents Required (from business): voided business check, proof of business (business license, sales tax license, etc.), picture of inside/outside of business (if brick and mortar), owner’s photo id

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Program 5: 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 ($12,000 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

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Program 6: No Credit Needed 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 needed 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. High approval rates. Approvals not typically based on FICO Score.

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

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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.

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Program 7: Flexx EZPay Plan: Instant In-House Payment Plan/Financing Program (Standard 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.

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

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)
* Term of 3 to 48 months
* Interest rate to customer of 13.99% to 16.99% (16.99% at up to 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

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Flexx EZPay Plan: Instant In-House Payment Plan/Financing Program (Guaranteed 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.

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

Guaranteed Program:

* 100% approved
* Amounts from $500 to $2,500 (Any amount not guaranteed, can be collected as non-guaranteed)
* 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, certain home improvement services

Documents Required: voided check, proof of business

Business Criteria: All businesses accepted

Setup Time: Typically in 24 to 48 business hours

Available in all U.S.

Features Summary

* Single Application Submitted to Multi-Lender Platform For Prime To Sub-Prime Consumers

* Loan Amounts Up To $100,000

* Instant Decisions

* Funding In As Little As 24 Hours

* Low APR’s

* Co-Branded Loan Application Page

* Full Training And Support

* Additional Sub-Prime, Non-Credit Based Programs, And Alternative Payment Solutions For Qualified Businesses And Industries

* No recourse to the business EVER

If you would like to not have the proposal delivered automatically to your prospect, uncheck this box. Otherwise, upon submitting, an email with the attached proposal will be sent to the prospect.

Deliver Directly To Business

Program Cost

One Time Platform Development Fee: $299

Rebate Program: $100 rebated back to the business for every $20,000 in financed sales utilizing Flexxbuy financing platforms