FlexShopper : Q1 2023 Earnings Presentation

Investor Presentation

May 2023

Safe Harbor Statement & Use of 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 of 1995 Forward looking statements reflect our current views with respect to future events and involve inherent risks and uncertainties which could cause actual results to differ materially from our historical experience and present expectations or projections as a result of various factors, including those risks and uncertainties described in the risk factors and in management's discussion and analysis of financial condition and results of operations sections of the prospectus included in our registration statement on Form S 1 (No 333 226823 and the Company's most recently filed annual report on form 10 k and subsequently filed quarterly reports on form 10 q, each filed with the Securities and Exchange Commission One can find many (but not all) of these statements by looking for terms such as "believe," "expect," "hope," "project," "may," "should," "would," "could," "seek," "intend," "plan," "estimate," and similar terms all statements other than statements of historical facts included in this presentation, including statements regarding our strategies, prospects, financial condition, operations, costs, plans and objectives are forward looking statements

We urge you to consider those risks and uncertainties in evaluating our forward looking statements We caution readers not to place undue reliance upon any such forward looking statements, which represent our estimates and assumptions only as of the date hereof except as required by law, we undertake no obligation to update any forward looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise We anticipate that subsequent events and developments will cause our views to change

In this presentation, we refer to information regarding potential markets and other industry data We believe that all such information has been obtained from reliable sources that are customarily relied upon by companies in our industry However, we have not independently verified any such information

Use of Non GAAP Financial Information

This presentation includes calculations not calculated or presented in accordance with US GAAP We believe these non GAAP measures provide useful supplemental information for period to period comparisons of our business and can assist investors and others in understanding and evaluating our operating results However, these non GAAP measures should not be considered in isolation or as an alternative to any measures of financial performance calculated and presented in accordance with GAAP Other companies may calculate this non GAAP measure differently than we do

The Company's guidance for Gross Lease Originations, Gross Revenue, Gross Profit and Adjusted EBITDA are forward looking statements They are subject to various risks and uncertainties that could cause the Company's actual results to differ materially from the anticipated targets There can be no assurance the Company will meet these financial projections Additionally, Adjusted EBITDA is a non GAAP financial measure Refer to the definitions of this measure under "Non GAAP Measures," but note that information reconciling forward looking non GAAP measures to GAAP measures is not available without unreasonable effort The trademarks/logos appearing in this presentation belong to their respective owners and do not provide or imply any endorsement, sponsorship or affiliation

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We facilitate both sides of consumers' Lease-to-Own purchases

Omni-Channel Points of Access

For Consumers (B2C)

We give non-prime consumers immediate purchasing power to shop for what they want,

where they want by completing a simple

application, online or in store

For Retailers (B2B)

We increase their sales with non-prime retail

customers who do not qualify for traditional credit and "save the sale" with our lease to own programs

Retail with Web	The Largest Online Lease-to-Own	eCommerce
& Mobile Apps	Marketplace	Payment Method

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The Preferred LTO Omni-Channel Provider

FlexShopper allows retailers to reach an incremental, untapped market and "save the sale" with consumers that do not qualify for traditional credit.

B2C Channel		Channel Makeup
Online Marketplace		3.5%
Retailers' products on FlexShopper.com	48.2%

48.3%

Marketplace Payment Method In-Store

LTM Ended in March 31st 2023 ($ in Millions)

	Marketplace	Payment Method	In-Store
New	17.2	2.2	24.6
Repeat	17.5	0.3	10.2

B2B Channels

Patented Payment Method

FlexShopper as a payment option on retailer's

ecommerce sites

In-Store Save the Sale

Digital mobile payment solution at POS

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MyFlexLending Installment Loan Product

• Product Overview

• 52-week term installment loan

• Funds directly deposited into customer's account

• Weekly payments debited via ACH

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