OFFER YOUR CUSTOMERS NO CREDIT CHECK FINANCING ON CELL PHONES. NO RISK. YOUR FUNDED IN 48 HOURS. CUSTOMERS CAN TAKE MERCHANDISE UPON APPROVAL. YOUR FUNDS ARE 100% GUARANTEED! NO LIABILITY! NO CHARGEBACKS! OFFER FINANCING ON CELL PHONES, TABLETS, LAPTOPS, & MORE! 90 DAYS SAME AS CASH OPTIONS! http://www.expresssolutions.biz

1. Express Solution’s NO
CREDIT CHECK, NO MONEY UP
FRONT!
12 month Financing with 80%
APPROVAL Rate
For DROID, Smartphones, iPhones,
Tablets or any other items

2. Ask yourself…….
 Are you losing customers because some wireless handsets,
tablets or other items are too expensive?
 How many times do you miss a sale because a customer
can’t afford the latest wireless technology?
 Could you increase sales and customer counts by offering NO
CREDIT CHECK financing with a 90 same-as-cash option
with no liability and no charge backs.

3. 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

4. New Customer Base
 NO CREDIT CHECK financing can be instrumental in
targeting a new customer base and help individuals
purchase merchandise that otherwise might have been
out of their financial reach.

5. NO CREDIT CHECK
 40 % Instant Approval
 Easy & Affordable Payments
 Online Application
 90 days same as cash
 8 out of 10 Applications Approved
 No liability, No charge backs

6. Minimum Finance = $300
Maximum Finance = $2,000
Monthly Income Qualified Amount** 12 Month Pmts* Bi-Weekly Pmts* Weekly Pmts*
$1,000 $300 $45.00 $20.77 $10.38
$1,250 $450 $67.50 $31.15 $15.58
$1,500 $650 $97.50 $45.00 $22.50
$1,750 $750 $112.50 $51.92 $25.96
$2,000 $900 $135.00 $62.31 $31.15
$2,250 $1,000 $150.00 $69.23 $34.62
$2,500 $1,100 $165.00 $76.15 $38.08
$3,000 $1,200 $180.00 $83.08 $41.54
$3,500 $1,300 $195.00 $90.00 $45.00
$4,000 $1,450 $217.50 $100.38 $50.19
$5,000 $1,550 $232.50 $107.31 $53.65
$5,750 $1,800 $270.00 $124.62 $62.31
$6,500 $2,000 $300.00 $138.46 $69.23

7. Payments
* Payments are automatically debited from customers
account on their payday.
** Qualified amounts are set according to checking account
activity and balances, they are not guaranteed.

8. 90 Days Same as Cash
Customers are given a 90 days same as Cash option
where they only pay off the original invoice amount plus
the initial 10%.
 48% utilize the 90 Day Same as Cash option.
 52% of approved customers return to store for repeat
financed purchases.

9. 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 and deposit at least $500 per month. They must have an open
and active checking account for at least three months with no NSF’s or
overdrafts in the last 30 days.

10. 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 how to help
their customer through the process in order to obtain the
merchandise they need.

11. Sample Transaction
 For example, take a DROID or Smartphone with a retail price $250.00 and use
Hypothetical sales tax rate 10% and a 10% Service Charge which all can be financed
with NO MONEY UP FRONT!
$250.00 Retail *$302.50 x 15% = $45.38/mo payment
$25.00 10% Sales Tax or
$275.00 Total *$20.94 Bi-Weekly
$27.50 10% Initial Payment or
$302.50 Total Financed *$10.38/weekly

12. 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 to 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.
 **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 stores account until as soon as Tuesday. Any national holiday that 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.

13. Sample Funding Transactions
Hypothetical 10% Sales Tax Rate
Up Front Payment No Up Front Payment
Sale Price $600.00 Sale Price $600.00
Sales Tax $60.00 Sales Tax $60.00
Invoice Amount $660.00 Total $660.00
10% Initial Payment 10% Initial
Paid to Dealer $66.00 Payment Added
to Invoice $66.00
Dealer Funded ACH $594.00
Total to Dealer $660.00 Total Invoice Amount $726.00
Dealer Funded ACH $653.40

14. States Covered
 Financing is available in 46 states
(excluding New Jersey, Minnesota,
Vermont, and Wisconsin).

15. Contact Us
 Express Solutions
 260 West Main St. Ste 114
 Hendersonville, TN 37075
 Nathan Wright
 615-823-1322
 nathan@expresssolutions.biz
http://www.expresssolutions.biz