FlexShopper Investor Presentation — March 2019

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The Omni -Channel Lease -to-Own Provider for

Consumers and Businesses

Investor Presentation

This presentation includes forward -looking statements that aremade pursuant tothe"safe harbor" provisions oftheprivate securities litigation reform actof

1995 .Forward -looking statements reflect ourcurrent views with respect tofuture events and involve inherent risks and uncertainties which could cause actual

results todiffer materially from our historical experience and present expectations orprojections asaresult ofvarious factors, including those risks and

uncertainties described inthe risk factors and inmanagement’s discussion and analysis offinancial condition and results ofoperations sections ofthe

prospectus included inour registration statement onForm 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 not all)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 our

strategies, 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 any

such forward -looking statements, which represent our estimates and assumptions only asofthedate hereof .except asrequired bylaw, weundertake no

obligation toupdate any forward -looking statement, whether written ororal, that may bemade from time totime, whether asaresult ofnew information,

future developments orotherwise .Weanticipate that subsequent events and developments willcause ourviews tochange .

Inthispresentation, werefer toinformation regarding potential markets and other industry data .Webelieve that allsuch information hasbeen obtained from

reliable sources that arecustomarily relied upon bycompanies inourindustry .However, wehave notindependently verified anysuch 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 non-GAAP measures should notbeconsidered inisolation orasanalternative toany measures offinancial performance