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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Products/Service Sold*

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Product/Service Description*

About Flexxbuy

Founded in 2014, Flexxbuy partners with thousands of merchants and businesses throughout the United States and has become a leader in the customer financing and alternative payment space. We have become a one-stop solution for all businesses seeking a way to maximize their marketing and sales efforts and serve a wide range of consumers.

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

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.

Our experience, reputation and dedication to excellence speaks for itself.

About Customer/Client/Patient Financing

Customer/Client/Patient Financing helps businesses and practices grow by providing them with a payment option for consumers that have no other way to pay or are resistant to utilizing the funds they have available to them.

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 sales that businesses would not have even seen if not for being able to offer financing. When was the last time you purchased a home or car without financing? You probably wouldn’t even consider it.

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.

For the savvy business that utilizes customer financing, it’s a path to higher revenue and greater profits.

Suggested Programs

Core Program: 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 144 months. Interest rates start at 5.99% (subject to market conditions and 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, whichever is lower, plus a $49 administration fee, deducted from the business approximately 10 days after the loan is funded (if business does not complete the sale, there is no fee).

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.

Home Improvement Direct-to-Merchant Multi-Lender Platform
(Enrollment with lenders/providers is subject to approval. Description below applies to multiple solutions not all of which may be available to all businesses.)

Prime, Sub-Prime Loan Programs that can be completed from any device and any location. Merchant is funded directly. Competitive terms and pricing including:

* Terms up to 15 years
* 12-60 Month Term 0% Interest Loans
* 6-18 Month True 0% Promotions (no retroactive interest if not paid off during promotion period) With Up To 15 Year Terms
* Amounts up to $55,000
* 12-18 Month No Interest, Deferred Payment Options
* Interest rates starting at 6.99
* Business/Contractor Cost Start At 2% (Additional Costs For Optional Promotions)
* Multiple waterfall solutions available for customizable solutions for all credit profiles

In Platform Lenders

* Wells Fargo
* Mariner
* Vive
* Finwise
* UCFS
* TGUC
* Breeze (HVAC & Water Heaters)
* Microf (HVAC & Water Heaters)

Other out-of-platform lenders available

** A Flexxbuy platform fee on funded loans applies

*** The lenders in the platform may vary depending on contractor type, strength of business and opportunity. The exact recommended solution will be presented following a management evaluation.

Hidden

Coaching and Education Direct-to-Merchant Lender (out of platform)
(Enrollment into program and tier lenders are subject to approval.)

Prime, Sub-Prime Loan Program that can be completed from any device and any location. Merchant is funded directly. Competitive terms and pricing .

* Tier 1- rates from 15.99% down to 575 FICO Score/12.99% Merchant Fee/Discount (see note below)
* Tier 3- rates from 19.99% down to 475 FICO Score/33% Merchant Fee/Discount. Very High Approvals (Optional)
* Amounts up to $25,000
* Approvals are firm and final and Point of Sale
* No recourse

Note: At this time, Tier 1 is only available for businesses that provide vocational education. It is currently not available for coaching. It is totally at the lender’s discretion as to whether or not they will accept a merchant.

Business Criteria: Background check on business and owner (no credit check) . Business must be in good standing (Active trade license(s), where required, active website, good online reputation/footprint) . Minimum annual revenue of $300,000. Minimum of two years in business. Other criteria apply.

*** Terms are subject to change.

Healthcare/Dental/Veterinary: Direct-to-Merchant Multi-Lender Credit Based Waterfall
(Enrollment with lenders/providers is subject to approval)

Prime, Sub-Prime Loan Programs that can be completed from any device and any location. Merchant is funded directly.

Program Key Points

* Terms up to 60 months
* Rates starting at 5.95% APR (Tier A)
* Optional True 12 month 0% promotions (Tier A); other promotions available for other tiers
* Amounts up to $25,000
* Merchant discount fee starting at 3%. Tiers can be customized based on the discount tolerance of the business
* Additional out-of-platform non-waterfall lender option available up to $30,000 with promotions up to 540 days same as cash (subject to approval)
* Additional out-of-platfrom non-waterfall lender option available for dental up to $40,000. term up to 60 months, starting at 7.99% APR. Additional terms for FICO Score as low as 500

Business Criteria: Background check on practice and owner (soft credit pull). Business must be in good standing (Active trade license(s), where required, active website, good online reputation/footprint) . Minimum annual revenue of $500,000. Minimum 2 years in business. Exceptions on eligibility may be granted based on industry experience and othe factors.

** A 1% Flexxbuy platform fee on funded loans applies

*** The lenders in the platform may vary depending on contractor type, strength of business and opportunity. The exact recommended solution will be presented following a management evaluation.

Tax Resolution: Direct-to-Merchant Platform Add On For Tax Resolution Firms
(Enrollment with lenders/providers is subject to approval)

Prime, Sub-Prime Loan Programs that can be completed from any device and any location. Merchant is funded directly.

Program Key Points

* Terms up to 36 months
* 19.99% APR to borrow (unless state laws require a lower APR)
* Optional 0% promotions from 90 days to 365 days available
* Amounts from $1,000-$13,000
* Merchant discount fee starting at 5% (up to six credit tiers available up to 40%). Tiers can be customized based on the discount tolerance of the business

Business Criteria: Background check on business and owner (soft credit pull). Business must be in good standing (Active trade license(s), where required, active website, good online reputation/footprint) . Minimum annual revenue of $500,000. Minimum 2 years in business. Exceptions on eligibility may be granted based on industry experience and othe factors.

** A 1% Flexxbuy platform fee on funded loans applies

For The Complete Credit Based Rate and Pricing Sheet Click Here.

Hidden

Timeshare Cancellation and Travel Clubs Direct-to-Merchant Lender (out of platform)
(Not Currently Available)

Prime, Sub-Prime Loan Program that can be completed from any device and any location. Merchant is funded directly. Competitive terms and pricing .

* Tier 1- rates from 15.99% doen to 575 FICO Score/12.99% Discount (Subject to lender approval)
* Tier 3- rates from 19.99% down to 475 FICO Score/33% Merchant Fee/Discount. Very High Approvals (Optional)
* Amounts up to $25,000
* Approvals are firm and final and Point of Sale
* No recourse

Business Criteria: Background check on business and owner . Business must be in good standing (Active trade license(s), where required, active website, good online reputation/footprint) . Minimum annual revenue of $300,000. Minimum of two years in business. Other criteria apply.

*** Terms are subject to change.

Retail: Direct-to-Merchant Multi-Lender Credit Waterfall Platform
(Enrollment with lenders/providers is subject to approval- revenue and state approval may apply)

Prime, Sub-Prime Loan Programs and Lease Purchase that can be completed from any device and any location. Merchant is funded directly.
Lenders that have existing relationship with merchant can be moved into the platform for a waterfall experience

In Platform Lenders

* Wells Fargo-includes jewelry
* Synchrony- includes jewelry
* Great American Financial
* Mariner Finance- includes jewelry, auto repair
* Genesis Financial
* Fortiva- includes jewelry ($10m rev. min.), auto repair
* Vive- includes medical devices mobility
* American First Finance- includes jewelry, cell phone/electronics (3 loc. min.), medical devices mobility
* Acima- includes jewelry, cell phone/electronics, auto repair (tires/car audio only)
* Koalifi
* Okinus- includes jewelry, cell phone/electronics, auto repair (tires only)
* Snap- includes jewelry, auto repair (tires/wheels)
* Katapult
* UOwn
* Progresive
* Zip- four pay

** A Flexxbuy platform fee on funded loans applies

FlexxALL-Advance-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.

Flexx SP Installment Payment Plan: 100% Approval Program

Complete your sale even if your customer doesn’t get approved for a loan or the loan approval is not enough

* All customer needs is a bank account in good standing
* Across a portfolio of applicants, 90%+ return on the invoiced amounts on customers you otherwise would have lost
* Recommended customer down payment of 10%
* Recommended interest rate to be set at 24.9% (your business receives 100% of the interest collected)
* Recommended term of the payment plan up to 24 months
* All billings and collections handled
* Having a finance company in the middle of the transaction makes payback more likely
* Customer is charged a one-time $59 setup fee at time of acceptance
* Your business gets paid starting with the first payment
* In Flexxbuy portal for easy transition after loan application
* Fully automated for your business

Business Criteria: All businesses accepted

Cost to Business:

* An annual servicing fee of 6% of the total (collected monthly)
* Business is charged a one-time transaction fee of 2% plus $99 that is deducted from the customer’s down payment

Here’s how it works:

1. The initial payment (down payment and account setup fee) is collected by the Administrator immediately following the e-signing by the applicant.
2. After the payment clears, within a few days, the merchant is ACH’d the down payment less the “transaction fee”.
3. The date of e-signing determines whether the applicant will have their monthly payments taken out on the 1st of the month or the 16th. For instance, if an e-sign happened on 8/14th , their first payment would be due on 9/16. If e-sign happened on the 8/26, their first payment would be 10/1.
4. When the payment is drafted on the 1st or 16th, the Administrator waits for it to clear and then enter it in the system. It will show up as a cleared payment in the merchants reporting .
5. On the 16th of each month, the system generates the monthly report and emails it to the merchant the 8/16 monthly report will include all amounts owed and paid from 7/16 – 8/15. The merchant can log in at any time and see, real-time, payments owed and paid as of that date .
6. Around the 20th of each month, the merchant will be ACH’d the amount owed as specified in the report sent on the 16th less the service fee.

Hidden

FlexxALL- EZPay: 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 FlexxALL EZPay, 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 FlexxALL-EZPay administrator

* Payment 2 By Customer 30 Days Later: Held in reserve by FlexxALL-EZPay 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

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

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’s Credit Select Plus Platform