Company Overview - FPAY provides lease-to-own programs for consumers and retailers, enabling non-prime customers to purchase goods online or in-store[8] - The company operates as an omni-channel LTO provider, with B2B channels (online marketplace, patented payment method, in-store) and a B2C channel (FlexShopper)[14] - FlexShopper offers a 52-week term lease-to-own product with weekly payments and early payoff options[14] Market Opportunity - The virtual Lease-to-Own (vLTO) market is estimated at $25 billion[11] - This market caters to 50 million underbanked or sub-prime American adults[11] Financial Performance - Gross Lease Originations have increased from $40 million in 2017 to $96.9 million in 2020[17, 18] - Net Revenues have grown from $15.5 million in 2017 to $35.4 million in 2020[17] - Adjusted EBITDA has increased from $(4.4) million in 2017 to $8.7 million in 2020[19] - The company's cash position was $8.5 million at the end of 2020[19] - Lease merchandise, net, increased from $18.3 million in Q3 2018 to $42.8 million in Q4 2020[26] Capitalization - As of Q4 2020, the company had 21,359,945 common shares outstanding[27]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File Number: 001-37945 FLEXSHOPPER, INC. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the ...

| --- | --- | |---------------------------------------------------------------------------|-------------------------------------| | | | | FPAY The Omni-Channel Lease-to-Own Provider for Consumers and Businesses | Investor Presentation November 2020 | | | | Confidential & Proprietary Safe Harbor Statement & Use on Non-GAAP Information Forward Looking Statements: This presentation includes forward-looking statements that are made pursuant to the "safe harbor" provisions of the private securities litigation re ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission file number: 001-37945 FlexShopper, Inc. (Exact name of registrant as specified in its charter) | Delaware | 20-5456087 | | --- | --- | | ...

| --- | --- | |---------------------------------------------------------------------------|-----------------------------------| | | | | FPAY The Omni-Channel Lease-to-Own Provider for Consumers and Businesses | Investor Presentation August 2020 | | | | Confidential & Proprietary Safe Harbor Statement & Use on Non-GAAP Information Forward Looking Statements: This presentation includes forward-looking statements that are made pursuant to the "safe harbor" provisions of the private securities litigation reform ...

FlexShopper, Inc. (NASDAQ:FPAY) Q2 2020 Earnings Conference Call August 11, 2020 9:00 AM ET Company Participants Jeremy Hellman - The Equity Group Richard House - CEO Harold Heiser - CFO Brad Bernstein - Co-Founder, President, Secretary & Director Conference Call Participants Scott Buck - B. Riley FBR, Inc. Richard Deutsch - National Securities Operator Greetings, and welcome to the FlexShopper, Inc. Q2 2020 Earnings Call. [Operator Instructions]. As a reminder, this conference is being recorded. I would no ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject ...

FlexShopper, Inc. (NASDAQ:FPAY) Q1 2020 Earnings Conference Call May 7, 2020 11:00 AM ET Company Participants Jeremy Hellman - The Equity Group Rich House - Chief Executive Officer Russ Heiser - Chief Financial Officer Brad Bernstein - Founder & President Conference Call Participants Theodore O'Neill - Ascendiant Capital Markets Steve Emerson - Emerson Investment Group Scott Buck - B. Riley Operator Greetings, and welcome to the FlexShopper First Quarter 2020 Earnings Call. At this time, all participants ar ...

| --- | --- | |---------------------------------------------------------------------------|--------------------------------| | | | | FPAY The Omni-Channel Lease-to-Own Provider for Consumers and Businesses | Investor Presentation May 2020 | | | | Confidential & Proprietary Safe Harbor Statement & Use on Non-GAAP Information Forward Looking Statements: This presentation includes forward-looking statements that are made pursuant to the "safe harbor" provisions of the private securities litigation reform act o ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Exact name of registrant as specified in its charter) Delaware 20-5456087 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employe ...