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.

There is one requirement. The customer has to 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. Most responsible people qualify and it's not strictly a matter of income. It's how people manage their money that counts.
  Instead of your customer's credit report being the basis for approval, their employment and recent spending history are. Beside the pay stub, our Velocity Processing driven approval matrix using the customer's account and bank statements help 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 to avoid high interest credit cards, leases, or personal loans. 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 fees thereby expanding your profit margin.

Because ARC90 is such a benefit with low cost not all consumers will be approved. We require an ability to repay with minimal risk of default.

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