FlexShopper is a fintech company that provides lease-to-own (LTO) financing and consumer loans to non-prime and near-prime (subprime) borrowers. FlexShopper's core LTO business lets customers lease brand-name electronics, appliances, and furniture — acquiring ownership over time through weekly or bi-weekly payments, with no credit check required. FlexShopper reaches customers through two channels: its own e-commerce marketplace (FlexShopper.com), which features over 100,000 products, and through integrations at the checkout of over 2,000 brick-and-mortar and online retail partners, acting as a "save the sale" financing option for customers who can't qualify for traditional credit. In the LTO business, FlexShopper purchases the product from a supplier and leases it to the customer, recognizing revenue over the lease term. Profitability is driven by origination volume, bad debt rates (which ran at roughly 33% of gross lease billings in FY23), and merchandise depreciation costs. FlexShopper also operates Revolution Finance, acquired in late 2022, which originates installment loans, cash advances, and title loans through about 100 physical and virtual storefronts across 11 states. FlexShopper's growth strategy focuses on expanding retail partnerships, broadening its direct marketplace to offer multiple financing options beyond LTO, and growing Revolution Finance's loan origination volume through its Liberty Tax franchisee storefront network.