Instead of your customer's credit report being the basis for approval, their employment and recent spending history are.
Beside the paystub, our Velocity Processing driven approval matrix helps ensure your sales have minimal risk.
Since 2005 we've taken the qualifications for purchase and realigned them to the current
economic condition. We feel income and spending habits are a better determining factor for ability to pay than an
arbitrary number in a credit score. This is so unique, we've patented it.
| Many stores are utilizing this sales increasing service. Not only does it generate more sales, the individual sales
are often for higher amounts. ARC 90 was designed to benefit the store and customer. |
| Patented since 2006. U.S. Patent 7,747,529 B2 |
ARC 90
is a short term payment plan developed for those who have the ability to pay and want an option to high interest credit cards or personal loans.
Plans range from 3 to 12 months with amounts from a few hundred up to $10,000 per purchase. Of the total sale amount up to 3500.00 is funded up front. The remainder is paid over the plan.
The ready and willing buyer becomes able through their income status.
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Merchants have reported substantial increases in revenue using this innovative process. Sales that would otherwise be lost due to lack of credit or immediate
funds availability are now within reach.
ARC 90 was created to be a mutual benefit to the consumer. Our flexible approval process examines several criteria benefiting customers who can afford to
make a purchase. ARC 90 doesn't replace traditional lending. It augments it by setting a viable standard for payment worthiness and creating a plan that fits within the customer's budget.
This is done by adjusting income requirements and other parameters on a daily basis fitting the sale amount to the customer's ability to pay.
Businesses with sale amounts exceeding the cash in a customer's pocket need ARC 90.
It helps build customer satisfaction and loyalty. Consumers need a responsible and affordable means to make their purchases. ARC 90 delivers that solution to the merchant and consumer.
The objective was to provide a level of service suited to the small to medium sized business by controlling cost
without sacrificing quality. These goals have been met. In doing so we've created a multi-platform service to fulfill the needs of the growing enterprise seeking to expand their customer base.
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