FlexShopper, Inc.: insider trades · United States · SEC (Form 4)

About FlexShopper, Inc.

FlexShopper, Inc. (ticker: FPAY) is a U.S.-listed company trading on Nasdaq in the United States, operating at the intersection of fintech, consumer finance, and omnichannel retail. The company specializes in lease-to-own (LTO) payment solutions targeted primarily at underserved and non-prime consumers. Its model enables retail partners to broaden their addressable customer base while offering shoppers a more flexible alternative to traditional credit. FlexShopper is headquartered in Boca Raton, Florida, and was incorporated in Delaware in 2006. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390024076923/ea0212147-05.pdf?utm_source=openai)) Historically, FlexShopper built its business around its proprietary FlexShopper.com e-commerce platform and has since expanded through a broader B2B merchant network and embedded payment solutions. The company now describes itself as a national online LTO retailer and payment solution provider for consumers who are underserved by mainstream financial institutions. In practical terms, the model combines marketplace distribution, financing, and payment technology, with an asset-light structure that reduces direct inventory exposure. ([investors.flexshopper.com](https://investors.flexshopper.com/static-files/be224b9c-8bf9-49ec-b56f-b375eb7f30a4?utm_source=openai)) From a competitive standpoint, FlexShopper operates in a segment where differentiation depends on credit decisioning, merchant integration, speed of approvals, and collections performance. Its core niche is alternative financing for durable goods, spanning categories such as home furnishings, electronics, and, increasingly, automotive-related products through specialized partnerships. In 2024, the company said its LTO offerings had expanded to roughly 7,900 locations, underscoring the scale-up of its merchant footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390025036054/ea023966001ex99-1_flex.htm?utm_source=openai)) Its main business lines include direct-to-consumer LTO financing, B2B solutions for merchants, and monetization of its digital platform. Key products and services include consumer screening through a proprietary model, financing of durable goods purchases, installment-style payments, and partnerships with retail and service networks. FlexShopper’s operations are primarily U.S.-based, with a Florida headquarters and a nationwide commercial reach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001397047/000121390024065631/ea0209539-10q_flexshop.htm?utm_source=openai)) Recent highlights matter for investors. In April 2025, FlexShopper reported full-year 2024 results showing higher annual revenue and a sharp improvement in operating income, alongside continued execution of its DTC and B2B growth strategy. In May 2025, it announced a partnership with ICON Vehicle Dynamics to extend LTO financing into premium off-road vehicle upgrades. At the same time, the company also received a Nasdaq deficiency notice related to delayed SEC filings, which remains a key governance and disclosure risk to monitor. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390025036054/ea023966001ex99-1_flex.htm?utm_source=openai))