The patented alternative to credit based financing.
Patent # 7,747,529 B2

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Why should you consider ARC90? When a customer is approved for a lease or credit based loan the actual amount they are approved for is the total of the payments they will make, not the amount of the purchase.

In leasing or rent to own the total of payments is often 180% the sale price. For that $1000.00 item you sold the customer they pay $1800.00 and the lender is pocketing $800.00. Subtract your cost for the item and you may end up on the short end of the stick.

Credit cards and personal loans aren't much better. That $1000.00 sale is discounted immediately to you for about 1.8% in that month. Month on month and it becomes an annual rate of 21.6% you pay plus the additional 20% or more compound interest the customer pays. That makes the total of payments about $1400.00. Subtract your cost for the item and you might be on par with the lender who doesn't have your overhead expenses.

ARC90 does not charge the customer interest. The store is charged a guarantee rate of no more than 15% on annual sales which can be rolled back into the price of the item. The rate is fixed so the total percentage for the year is 15%. At 15% you get a bigger slice of the approved amount. The $1800.00 approved amount on a potential lease results in about $1550.00 to you with ARC90. The $1400.00 credit card transaction nets more than a $1000.00.

The customer must be able to make the payments. ARC90 isn't for the typical "no credit check" consumer who's in constant default. We don't check credit but we do verify ability to pay. Even minimum wage earners can qualify if they're responsible. It's how people manage their money that counts. We require evidence of income, ID, and recent bank history. Income and bank history are easily handled by our account verification system where the customer's bank directly forwards us a copy of the most recent history. It takes a minute or less to do the account verification.

We've recently added a 90 day no interest early pay off. if the customer pays it off within 90 days the entire plan fee is waived. Even after 90 days the customer can save the remaining plan fee on future payments without any additional charges.
 
  Instead of your customer's credit report being the basis for approval, their employment and recent spending history are. ARC90 looks at the customer's income, spending habits, location, along with other factors (over 30 data points) to determine the plan limit. Beside the pay stub, our Velocity Processing matrix using the customer's financial position generates the ideal repayment option.

Since 2005 we've taken the qualifications for purchase and realigned them to the current economic condition. ARC90 uses a unique process to determine ability to repay a short term obligation. The 3 major bureaus are fine for longer term loans spanning several years but for sub year terms it isn't as applicable. This is so unique, we've patented it. U.S. Patent 7,747,529 B2

 
ARC 90
plans range from 3 to 12 months with amounts from a few hundred to several thousand per purchase. A three tier approval process facilitates up front funding or additional revenue via an in store finance option. Tier one Fasttrack is up front funding and can be up to $3500.00. Tier two is G code funding with qualified payments guaranteed to the store as they are received. Tier three, V code, is an easy to use in house financing option where you can collect the plan fees thereby expanding your profit margin.

Because ARC90 is such a benefit with low cost not all merchants will be approved. We examine the stores financial solvency to ensure they don't pose a high financial risk. We require a credit report be run and examine recent bank activity. We expect to have a long term relationship with the store. You don't need a high balance or be in business for years to get approved. Like the customer, being responsible with your finances is the key element.

We have e-sign capability making it possible for internet business to safely use this program. Even store front retail establishments can use our e-sign to avoid printing documents to get the deal done quicker. It's very simple and doesn't require any downloads or special apps.


Plans range from 3 to 12 months with 3 tiers of approval and up to $3500 up front funding.
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