MASTER AGENTS AND CELL PHONE DEALERS CAN NOW OFFER NO CREDIT CHECK CUSTOMER FINANCING. SIMPLE ONLINE PORTAL AND FREE TO SET UP IN YOUR STORES.

1. Master Agents & Retail Cell Phone Dealers
NO CREDIT CHECK
12 month Financing with 80% APPROVAL
Rate
For Smartphones, iPhones, Tablets , accessories or any other items you sell in
your wireless stores… This product gives you the ability to sell more in your
store by offering a credit line to your customers..Instantly. Risk free for the
dealer w/ direct deposit payment in 2-4 business days!

2. Benefits to your business
 New or Additional financing options
 Increased Sales
 Expanded Customer base
 Improve your bottom line
 Continue to thrive in a down economy

3. NO CREDIT CHECK
 80 % Approval Rate (40% Instantly approved , 40% pre-approved with paystub required)
 Easy & Affordable Payments (deducted directly from bank account on payday)
 Online Application (takes less then 5 minutes to complete online)
 90 Day Payment Option (same as cash except for 10% initial payment from customer)
 No Credit Check on the Dealer , just verification of ownership and location.
 No liability, No charge backs to the store (Store gets paid in 2-4 business days direct deposit)

4. No Minimum Finance Amount
Minimum Approval = $300
Maximum Approval = $2,400
Monthly Income Qualified Amount* 12 month Pmts* Bi-Weekly Pmts* Weekly Pmts*
$1,000.00 $300.00 $45.00 $20.77 $10.38
$1,250.00 $450.00 $67.50 $31.15 $15.58
$1,500.00 $650.00 $97.50 $45.00 $22.50
$1,750.00 $750.00 $112.50 $51.92 $25.96
$2,000.00 $900.00 $135.00 $62.31 $31.15
$2,250.00 $1,000.00 $150.00 $69.23 $34.62
$2,500.00 $1,100.00 $165.00 $76.15 $38.08
$3,000.00 $1,200.00 $180.00 $83.08 $41.54
$3,500.00 $1,300.00 $195.00 $90.00 $45.00
$4,000.00 $1,450.00 $217.50 $100.38 $50.19
$5,000.00 $1,650.00 $247.50 $114.23 $57.12
$5,750.00 $2,000.00 $300.00 $138.46 $69.23
$6,500.00 $2,400.00 $360.00 $166.15 $83.08
*Qualified Amounts are set according to bank activity and balances. The amount above is not guaranteed.
Payments are setup to come out on your payday.

5. Payments
 Payments are automatically debited from customers account on every
payday.
 Qualified amounts are set according to checking account activity and
balances, they are not guaranteed.

6. 90 Day Payment Option
Customers are given a 90 day payment option where they only pay off the
original invoice amount plus the initial 10%.
 48% of buyers utilize the 90 Day Payment option.
 82% of approved 90 Day customers return to the store for repeat
financed purchases.

7. How does the customer qualify?
There are THREE things we look at to qualify a customer:
1. Employment
2. Income
3. Bank Account
The customer must:
 Be employed at least 6 months
 Gross over $1,000 per month
 Deposit at least $500 per month in their bank account.
 Have an open and active checking account for at least three
months with no NSF’s or overdrafts in the last 30 days.

8. Online and In-store training
 We train your store’s personnel how to offer the NO CREDIT CHECK
program to credit challenged customers.
 Your sales associates will know exactly how to help their customer
through the process in order to obtain the merchandise they need.

9. Sample Transaction
 For example, let’s use a Smartphone with a retail price $300.00, a
hypothetical sales tax rate of 8% and a 10% Service Charge.
$300.00 Retail *$324.00 x 15% = $48.60/mo payment
$24.00 8% Sales Tax or
$324.00 Total *$24.30 Bi-Weekly
$32.40 10% Initial Payment or
$324.00 Total Financed *$12.15/weekly

10. Funding Calendar
 All funding is determined by when a complete funding packet is completed, signed
and received by Funder. Once an account is funded, it is deposited the next
business day into the merchant's account.
 The typical funding period is 2-4 business days. This means deals turned in
completed and signed to Funder on a:
 Mondays - are funded Tuesdays and store sees funds in their bank as soon as
Wednesday.
 Tuesday - store sees funds as soon as Thursday
 Wednesday - stores sees funds as soon as Friday
 Thursday - stores see funds as soon as Monday
 Friday - store sees funds as soon as Tuesday
 Saturday - store sees funds on as soon as Tuesday
 No deals are funded on Sunday which means deals submitted on a Sunday will be
treated as if they were received on Monday, thus funding will show up as soon as
Wednesday in the store’s account.
 NOTE: If Monday is a Holiday i.e. Memorial Day, Columbus Day (any Monday holiday), deals that are
typically funded on a Monday are pushed back a day. So, a Thursday Funding will not show up in a store’s
account until as soon as Tuesday. Any national holiday where banks are closed typically puts funding
back a day (even if Funder is open because the banks are closed and won't receive ACH deposits).

11. Sample Dealer Funding Transactions
Up Front Payment
Sale Price w/ tax $660.00
10% Initial Payment (service fee)
Paid to Dealer upfront by customer $66.00
Dealer Funded ACH from Progressive $594.00
Total to Dealer $660.00
The customer’s balance at this point is $660. Remember, the initial payment is
the service fee for the transaction. It is not deducted from the sales invoice)

12. States Covered
 Financing is available in 46 states
 Excluded states: New Jersey, Minnesota, Vermont and Wisconsin
 No Puerto Rico

13. Contact
More Info or Sign Up Contact Us.
 sales@flexpayfinance.com
 949-599-4070