FlexShopper Investor Presentation — December 2019

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Confidential & Proprietary

Investor Presentation

December 2019 The Omni -Channel Lease -to-Own

Provider for Consumers and BusinessesFPAYSafe Harbor Statement & Use on Non -GAAP Information

Forward Looking Statements :

This presentation includes forward -looking statements that are made pursuant tothe "safe harbor" provisions ofthe private securities litigation reform actof1995 .

Forward -looking statements reflect our current views with respect tofuture events and involve inherent risks and uncertainties which could cause actual results todiffer

materially from ourhistorical experience and present expectations orprojections asaresult ofvarious factors, including those risks and uncertainties described intherisk

factors and inmanagement’s discussion and analysis offinancial condition and results ofoperations sections oftheprospectus included inour registration statement on

Form S-1(No.333-226823 )and theCompany’s most recently filed annual report onform 10-kand subsequently filed quarterly reports onform 10-q,each filed with the

Securities and Exchange Commission .One can find many (but notall)ofthese statements bylooking forterms such as"believe," "expect," “hope,” ”project,” "may," "will,"

"should," “would,” "could," "seek," "intend," "plan," "estimate," "anticipate" and similar terms .allstatements other than statements ofhistorical facts included inthis

presentation, including statements regarding ourstrategies, prospects, financial condition, operations, costs, plans and objectives areforward -looking statements .

Weurge you toconsider those risks and uncertainties inevaluating ourforward -looking statements .Wecaution readers nottoplace undue reliance upon anysuch forward -

looking statements, which represent our estimates and assumptions only asofthedate hereof .except asrequired bylaw, weundertake noobligation toupdate any

forward -looking statement, whether written ororal, that may bemade from time totime, whether asaresult ofnew information, future developments orotherwise .We

anticipate that subsequent events and developments willcause ourviews tochange .

Inthis presentation, werefer toinformation regarding potential markets and other industry data .Webelieve that allsuch information has been obtained from reliable

sources that arecustomarily relied upon bycompanies inourindustry .However, wehave notindependently verified anysuch information .

Use ofNon -GAAP Financial Information

This presentation includes calculations not calculated orpresented inaccordance with USGAAP .Webelieve these non-GAAP measures provide useful supplemental

information forperiod -to-period comparisons ofour business and can assist investors and others inunderstanding and evaluating our operating results .However, these