FlexShopper, Inc. FPAYQ

Company Overview

FlexShopper, Inc. is a U.S.-based financial technology and lease-to-own provider that historically operated in the consumer finance and e-commerce sectors. The company enabled consumers, particularly non-prime and underserved credit segments, to acquire durable goods through flexible lease-purchase arrangements rather than traditional installment credit. Its platform integrated directly with online and retail merchants, allowing customers to lease products such as electronics, furniture, appliances, tires, and mobile devices through recurring payment structures. The company generated revenue primarily from lease payments, merchant partnerships, and financing-related activities tied to consumer purchases.

The company evolved from a specialty lease-to-own platform into a broader embedded-finance and retail-financing business. Over time, FlexShopper expanded its merchant network and technology integrations to support omnichannel retail transactions across e-commerce and physical retail environments. Public filings and market disclosures indicate that the company faced liquidity and capital structure pressures in recent years, and its common stock began trading under the ticker FPAYQ following financial distress proceedings. Certain operational and ownership details after those proceedings remain limited in publicly available disclosures, and some post-restructuring information is inconclusive based on available public sources.