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 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, 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
Accounts Receivable Conversion 90 days+ 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. Of the total sale amount up to 2500.00 is funded up front. The remainder is paid over the plan.





Big Ticket Purchases furniture



Unforeseen Circumstances
Auto repair





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 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.
Plans range from 2 weeks to 6 months and $500.00 to $10,000.00

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