This document describes a payment option program called ARC 90 that allows customers to purchase goods and services without a credit check. It offers no interest financing based on income rather than credit scores, with fast approvals. Merchants can qualify for an upfront payment and guaranteed future payments to increase sales and recover lost revenue. The program includes marketing materials and training. For customers, there is a one-time $35 fee plus 9% of the purchase price added to purchases, to be paid through income-based weekly or monthly installments. Merchants pay a one-time $495 membership fee or $150 annual renewal fee, plus $25 for marketing materials.