# FlexShopper

> FlexShopper is a U.S. lease-to-own marketplace for electronics, appliances, furniture and other durable goods. Launched in 2013, it also developed retailer payment technology. Following its former parent’s Chapter 11 and a March 2026 asset sale, its marketplace offers financing through Snap Finance.

- **Founded:** 2013
- **Headquarters:** Boca Raton, United States
- **Founders:** Brad Bernstein (Co-founder; former CEO and president), Morry F. Rubin (Co-founder; former chairman)
- **Products:** FlexShopper Marketplace, FlexWallet, Online Payment Method, Retail financing distribution, Consumer lending operations
- **Notable:** Began generating lease-to-own revenue in December 2013., Developed marketplace, retailer checkout and virtual-card distribution routes., Raised approximately US$21.95 million in convertible preferred equity in 2016.

## Products & services

- **FlexShopper Marketplace** — Durable-goods shopping destination; its current site names Snap Finance as the lease-to-own provider.
- **FlexWallet** — Historical mobile virtual-card tool for in-store lease transactions without merchant system integration; current availability is unconfirmed.
- **Online Payment Method** — Historical retailer checkout integration offering lease-to-own as a payment alternative.
- **Retail financing distribution** — Historical integrations with financing aggregators such as PayTomorrow and Versatile Credit.
- **Consumer lending operations** — Former subsidiaries included FlexLending and FlexRevolution; separate from the current marketplace lease offering.

## Achievements

- Began generating lease-to-own revenue in December 2013.
- Developed marketplace, retailer checkout and virtual-card distribution routes.
- Raised approximately US$21.95 million in convertible preferred equity in 2016.
- Built a patent portfolio concerning electronic rent-to-own transactions; individual patent status varies.

## Latest updates

- **2025-08** — SEC disclosure reported an investigation into alleged forged documents and warned against reliance on specified 2022-2024 financial statements and first-half 2025 performance communications.
- **2025-12** — FlexShopper and affiliates filed Chapter 11 petitions on December 22.
- **2026-03** — ReadySett asset sale closed March 3; transaction counsel confirms completion.
- **2026-10** — As researched October 25, the live marketplace identifies Snap Finance as its financing provider; the former debtors are pursuing a liquidation plan, rather than a completed corporate recovery.

## Links

- Website: https://www.flexshopper.com/
- LinkedIn: https://www.linkedin.com/company/flex-shopper/
- Twitter/X: https://twitter.com/flexshopper
- YouTube: https://www.youtube.com/user/flexshopper
- Instagram: https://www.instagram.com/flexshopper/
- Facebook: https://www.facebook.com/flexshopper/

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Profile page: https://yespress.io/flexshopper
Published by YesPress — https://yespress.io
Last updated: 2026-10-25