Alternative to Traditional Financing

Instead of your customer's credit report being the basis for approval, their employment is. Beside the paystub, our patented 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 the paycheck is 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, but the individual sales are often for higher amounts. ARC 90 was designed to benefit the store and customer. U.S. Patent 7,747,529 B2

ARC 90 is a short term payment plan developed for those who have the ability to pay but their credit scores reflect history inconsistent with their current status. Plans range from 2 weeks to 6 months with amounts from a few hundred up to $10,000 per purchase.

The Credit Conundrum

Media reports on the credit situation.

Finance Alternative

ARC 90 provides a different approach.

Information

ARC 90 handout

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Income

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.

Businesses with sale amounts extending beyond 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.

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