0001213900-24-065636.txt : 20240806 0001213900-24-065636.hdr.sgml : 20240806 20240806160259 ACCESSION NUMBER: 0001213900-24-065636 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20240806 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240806 DATE AS OF CHANGE: 20240806 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FlexShopper, Inc. CENTRAL INDEX KEY: 0001397047 STANDARD INDUSTRIAL CLASSIFICATION: SERVICES-EQUIPMENT RENTAL & LEASING, NEC [7359] ORGANIZATION NAME: 07 Trade & Services IRS NUMBER: 205456087 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37945 FILM NUMBER: 241179030 BUSINESS ADDRESS: STREET 1: 901 YAMATO ROAD STREET 2: SUITE 260 CITY: BOCA RATON STATE: FL ZIP: 33431 BUSINESS PHONE: (561) 367-1504 MAIL ADDRESS: STREET 1: 901 YAMATO ROAD STREET 2: SUITE 260 CITY: BOCA RATON STATE: FL ZIP: 33431 FORMER COMPANY: FORMER CONFORMED NAME: Anchor Funding Services, Inc. DATE OF NAME CHANGE: 20070419 8-K 1 ea0210618-8k_flex.htm CURRENT REPORT
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

  

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported): August 6, 2024

 

FlexShopper, Inc.

(Exact Name of Registrant as Specified in Charter)

 

Delaware   001-37945   20-5456087
(State or other jurisdiction   (Commission File Number)   (IRS Employer
of incorporation)       Identification No.)

 

901 Yamato Road, Suite 260    
Boca Raton, Florida   33431
(Address of principal executive offices)   (Zip Code)

 

Registrant’s telephone number, including area code: (855) 353-9289

 

 

(Former Name or Former Address, if Changed Since Last Report)

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock, par value $0.0001 per share   FPAY   The Nasdaq Stock Market LLC

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

  ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
     
  ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
     
  ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
     
  ☐ Pre-commencement communications pursuant to Rule 13e-4 (c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

 

Emerging growth company  ☐

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

 

CURRENT REPORT ON FORM 8-K

 

FlexShopper, Inc. (the “Company”)

 

August 6, 2024

 

Item 2.02. Results of Operations and Financial Condition.

 

FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and payment solution provider for underserved consumes, today announced its financial results for the quarter ended June 30, 2024. A copy of the press release is furnished with this report as Exhibit 99.1. Such information, including the Exhibit attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such filing.

 

Item 9.01. Financial Statements and Exhibits.

 

  (a) Exhibits. The exhibit listed in the following Exhibit Index is filed as part of this current report.

 

Exhibit No.   Description
99.1   Press Release issued by FlexShopper, Inc. on August 6, 2024.
104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

1

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  FLEXSHOPPER, INC.
     
Date: August 6, 2024 By: /s/ H. Russell Heiser, Jr.
    H. Russell Heiser, Jr.
    Chief Executive Officer

 

 

2

 

 

 EX-99.1 2 ea021061801ex99-1_flex.htm PRESS RELEASE ISSUED BY FLEXSHOPPER, INC. ON AUGUST 6, 2024

Exhibit 99.1

 

NEWS RELEASE

 

FlexShopper, Inc. Reports

2024 Second-Quarter Financial Results

 

Boca Raton, Fla., -- August 6, 2024 -- FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and payment solution provider for underserved consumers, today announced its financial results for the quarter ended June 30, 2024.

 

Russ Heiser, Jr, Chief Executive Officer, stated, “Our second-quarter and year-to-date results are encouraging as the long-term growth strategies we are pursuing begin to take hold. Over the past two quarters we have focused on providing greater payment solutions to more customers, expanding retail revenue, and leveraging our established platform to provide expanded payment options to more retail partners. I am pleased with the progress we are making and during the second quarter we experienced strong growth with total revenue up 29.8%, total lease funding approvals increasing 102.2% compared to the same period last year, and we added 150 new retail partner locations. We expect to add an additional 500 new retail partner locations during the second half of 2024. In addition, we continue to focus on prudently managing risk and driving profitability. During the second quarter, the provision for doubtful accounts as a percentage of gross lease billings and fees decreased by 32.4% over the prior year period, and we experienced a 1533.3% increase in adjusted EBITDA. Adjusted EBITDA for the 2024 second quarter was $4.9 million – the highest second-quarter level in two years.”

 

“While the economic environment remains fluid, we believe our expanded platform, strengthened financial model, strong asset quality, and access to capital will drive profitable growth in 2024 and beyond. As other payment providers adjust their credit standards or exit the market, FlexShopper continues to invest in expanding payment offerings, marketing capabilities, and distribution channels to take advantage of market share opportunities that may become available,” concluded Mr. Heiser.

 

Results for Quarter Ended June 30, 2024, vs. Quarter Ended June 30, 2023:

 

●Total lease fundings approvals increased 102.2% to $74.8 million from $37.0 million

 

●Total revenues increased 29.8% to $31.8 million from $24.5 million

 

●Gross profit increased 89.3% to $15.9 million from $8.4 million

 

●Adjusted EBITDA(1) increased by $4.6 million to $4.9 million from $0.3 million

 

●Operating income of $2.4 million compared with operating loss of ($2.0) million

 

●Net loss attributable to common stockholders of ($2.7) million, or ($0.13) per diluted share, compared to net loss attributable to common stockholders of ($6.3) million, or ($0.29) per diluted share

 

Results for the Six Months Ended June 30, 2024, vs. the Six Months Ended June 30, 2023:

 

●Total lease fundings approvals increased 69.7% to $118.1 million from $69.6 million

 

●Total revenues increased 18.8% to $65.7 million from $55.3 million

 

●Gross profit increased 53.6% to $33.8 million from $22.0 million

 

●Adjusted EBITDA(1)increased by $5.8 million to $12.5 million compared to $6.7 million

 

●Operating income of $7.4 million compared with operating income of $2.1 million

 

●Net loss attributable to common stockholders of ($4.0) million, or ($0.18) per diluted share, compared to net income attributable to common stockholders of ($7.5) million, or ($0.34) per diluted share

 

(1)Adjusted EBITDA is a non-GAAP financial measure. Refer to the definition and reconciliation of this measure under “Non-GAAP Measures”.

 

 

 

 

Liquidity

 

FlexShopper ended the first quarter of 2024 with cash of $4.9 million and $32.2 million of permitted borrowing capacity.

 

Conference Call and Webcast Details

 

Conference Call Information:

Date: August 7, 2024

Time: 8:30 a.m. Eastern Time

Toll Free Dial In: (800) 715-9871

International Dial In: +1 (646) 307-1963

Conference ID: 7545308

 

Webcast Link: https://event.choruscall.com/mediaframe/webcast.html?webcastid=vEyujKz8

 

The call will also be simultaneously webcast over the Internet via the “Investor” section of the Company’s website at https://investors.flexshopper.com/.

 

An audio replay of the call will be archived on the Company’s website at https://investors.flexshopper.com/.

 

About FlexShopper

 

FlexShopper, Inc. (Nasdaq: FPAY) is a financial technology company that provides electronics, home furnishings and other durable goods to underserved consumers on a lease-to-own (LTO) basis through its patented e-commerce marketplace (www.FlexShopper.com). FlexShopper also provides LTO and loan technology platforms to a growing number of retailers and e-retailers to facilitate transactions with consumers without access to traditional financing.

 

Forward-Looking Statements

 

All statements in this release that are not based on historical fact are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements, which are based on certain assumptions and describe our future plans, strategies and expectations, can generally be identified by the use of forward-looking terms such as “believe,” “expect,” “may,” “will,” “should,” “could,” “seek,” “intend,” “plan,” “goal,” “estimate,” “anticipate,” or other comparable terms. Examples of forward-looking statements include, among others, statements we make regarding expectations of lease originations, the expansion of our lease-to-own program; expectations concerning our partnerships with retail partners; investments in, and the success of, our underwriting technology and risk analytics platform; our ability to collect payments due from customers; expected future operating results and expectations concerning our business strategy. Forward-looking statements involve inherent risks and uncertainties which could cause actual results to differ materially from those in the forward-looking statements, as a result of various factors including, among others, the following: our ability to obtain adequate financing to fund our business operations in the future; the failure to successfully manage and grow our FlexShopper.com e-commerce platform; our ability to maintain compliance with financial covenants under our credit agreement; our dependence on the success of our third-party retail partners and our continued relationships with them; our compliance with various federal, state and local laws and regulations, including those related to consumer protection; the failure to protect the integrity and security of customer and employee information; and the other risks and uncertainties described in the Risk Factors and in Management’s Discussion and Analysis of Financial Condition and Results of Operations sections of our Annual Report on Form 10-K and subsequently filed Quarterly Reports on Form 10-Q. The forward-looking statements made in this release speak only as of the date of this release, and FlexShopper assumes no obligation to update any such forward-looking statements to reflect actual results or changes in expectations, except as otherwise required by law.

2

 

 

FLEXSHOPPER, INC.

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

(unaudited)

 

    For the three months ended
June 30,		     For the six months ended
June 30,		  
    2024     2023     2024     2023  
                         
Revenues:                        
Lease revenues and fees, net   $ 27,074,048     $ 22,906,843     $ 52,907,784     $ 47,621,001  
Loan revenues and fees, net of changes in fair value     3,314,375       1,625,193       10,645,652       7,696,810  
Retail revenues     1,370,462       -       2,150,322       -  
Total revenues     31,758,885       24,532,036       65,703,758       55,317,811  
                                 
Costs and expenses:                                
Depreciation and impairment of lease merchandise     13,848,925       14,485,417       28,534,788       29,831,205  
Loan origination costs and fees     896,040       1,655,424       1,717,867       3,489,051  
Cost of retail revenues     1,059,098       -       1,670,302       -  
Marketing     2,545,814       1,488,578       4,311,386       2,587,767  
Salaries and benefits     4,224,614       2,976,008       8,308,533       5,702,898  
Operating expenses     6,807,328       5,957,932       13,739,834       11,585,640  
Total costs and expenses     29,381,819       26,563,359       58,282,710       53,196,561  
                                 
Operating income/ (loss)     2,377,066       (2,031,323 )     7,421,048       2,121,250  
                                 
Interest expense including amortization of debt issuance costs     (5,226,155 )     (4,568,557 )     (10,541,249 )     (9,099,884 )
Loss before income taxes     (2,849,089 )     (6,599,880 )     (3,120,201 )     (6,978,634 )
Benefit from income taxes     1,246,030       1,302,225       1,302,963       1,450,764  
Net loss     (1,603,059 )     (5,297,655 )     (1,817,238 )     (5,527,870 )
                                 
Dividends on Series 2 Convertible Preferred Shares     (1,091,742 )     (992,493 )     (2,161,198 )     (1,964,726 )
Net loss attributable to common and Series 1 Convertible Preferred shareholders   $ (2,694,801 )   $ (6,290,148 )   $ (3,978,436 )   $ (7,492,596 )
                                 
Basic and diluted loss per common share:                                
Basic   $ (0.13 )   $ (0.29 )   $ (0.18 )   $ (0.34 )
Diluted   $ (0.13 )   $ (0.29 )   $ (0.18 )   $ (0.34 )
                                 
WEIGHTED AVERAGE COMMON SHARES:                                
Basic     21,469,720       21,752,304       21,527,869       21,751,807  
Diluted     21,469,720       21,752,304       21,527,869       21,751,807  

 

3

 

 

FLEXSHOPPER, INC.

CONDENSED CONSOLIDATED BALANCE SHEETS

 

   June 30,   December 31, 
   2024   2023 
   (Unaudited)     
ASSETS        
CURRENT ASSETS:        
Cash  $4,892,912   $4,413,130 
Lease receivables, net   57,151,127    44,795,090 
Loan receivables at fair value   40,085,656    35,794,290 
Prepaid expenses and other assets   4,452,164    3,300,677 
Lease merchandise, net   25,856,542    29,131,440 
Total current assets   132,438,401    117,434,627 
           
Property and equipment, net   9,419,105    9,308,859 
Right of use asset, net   1,142,104    1,237,010 
Intangible assets, net   12,506,545    13,391,305 
Other assets, net   2,459,908    2,175,215 
Deferred tax asset, net   14,246,325    12,943,361 
Total assets  $172,212,388   $156,490,377 
           
LIABILITIES AND STOCKHOLDERS’ EQUITY          
CURRENT LIABILITIES:          
Accounts payable  $3,811,310   $7,139,848 
Accrued payroll and related taxes   381,929    578,197 
Promissory notes to related parties, including accrued interest   174,096    198,624 
Accrued expenses   3,763,725    3,972,397 
Lease liability - current portion   263,111    245,052 
Total current liabilities   8,394,171    12,134,118 
Loan payable under credit agreement to beneficial shareholder, net of unamortized issuance costs of $1,332,712 at June 30, 2024 and $70,780 at December 31, 2023   117,483,978    96,384,220 
Promissory notes to related parties, net of unamortized issuance costs of $420,558 at June 30, 2024 and $649,953 at December 31, 2023 and net of current portion   10,329,442    10,100,047 
Loan payable under Basepoint credit agreement, net of unamortized issuance costs of $73,730 at June 30, 2024 and $92,964 at December 31, 2023   7,338,875    7,319,641 
Lease liabilities, net of current portion   1,184,683    1,321,578 
Total liabilities   144,731,149    127,259,604 
           
STOCKHOLDERS’ EQUITY          
Series 1 Convertible Preferred Stock, $0.001 par value - authorized 250,000 shares, issued and outstanding 170,332 shares at $5.00 stated value   851,660    851,660 
Series 2 Convertible Preferred Stock, $0.001 par value - authorized 25,000 shares, issued and outstanding 21,952 shares at $1,000 stated value   21,952,000    21,952,000 
Common stock, $0.0001 par value - authorized 40,000,000 shares, issued 21,988,711 shares at June 30, 2024 and 21,752,304 shares at December 31, 2023   2,200    2,176 
Treasury shares, at cost- 346,258 shares at June 30, 2024 and 164,029 shares at December 31, 2023   (367,563)   (166,757)
Additional paid in capital   42,684,380    42,415,894 
Accumulated deficit   (37,641,438)   (35,824,200)
Total stockholders’ equity   27,481,239    29,230,773 
   $172,212,388   $156,490,377 

 

4

 

 

FLEXSHOPPER, INC.

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

For the six months ended June 30, 2024 and 2023

(unaudited)

 

   2024   2023 
CASH FLOWS FROM OPERATING ACTIVITIES:        
Net loss  $(1,817,238)  $(5,527,870)
Adjustments to reconcile net loss to net cash (used in)/ provided by operating activities:          
Depreciation and impairment of lease merchandise   28,534,788    29,831,205 
Other depreciation and amortization   4,698,213    3,710,703 
Amortization of debt issuance costs   509,797    182,174 
Amortization of discount on the promissory note related to acquisition   -    118,476 
Compensation expense related to stock-based compensation   371,998    864,548 
Provision for doubtful accounts   17,290,476    22,085,828 
Deferred income tax   (1,302,963)   (1,457,740)
Net changes in the fair value of loans receivables at fair value   (4,898,876)   837,048 
Changes in operating assets and liabilities:          
Lease receivables   (29,646,513)   (25,773,184)
Loans receivables at fair value   607,510    6,990,410 
Prepaid expenses and other assets   (1,208,258)   412,391 
Lease merchandise   (25,259,890)   (22,878,600)
Purchase consideration payable related to acquisition   -    208,921 
Lease liabilities   (19,329)   (12,243)
Accounts payable   (3,328,538)   (2,506,724)
Accrued payroll and related taxes   (196,268)   (11,079)
Accrued expenses   (233,202)   (1,603,202)
Net cash (used in)/ provided by operating activities   (15,898,293)   5,471,062 
           
CASH FLOWS FROM INVESTING ACTIVITIES          
Purchases of property and equipment, including capitalized software costs   (3,207,307)   (3,114,534)
Purchases of data costs   (944,313)   (343,428)
Net cash used in investing activities   (4,151,620)   (3,457,962)
           
CASH FLOWS FROM FINANCING ACTIVITIES          
Proceeds from loan payable under credit agreement   22,361,690    2,750,000 
Repayment of loan payable under credit agreement   -    (2,795,000)
Repayment of loan payable under Basepoint credit agreement   -    (1,500,000)
Debt issuance related costs   (1,523,100)   (115,403)
Proceeds from exercise of stock options   -    1,185 
Principal payment under finance lease obligation   (4,601)   (4,917)
Repayment of purchase consideration payable related to acquisition        (143,330)
Tax payments associated with equity-based compensation transactions   (103,488)   - 
Purchase of treasury stock   (200,806)   - 
Net cash provided by/ (used in) financing activities   20,529,695    (1,807,465)
           
INCREASE IN CASH   479,782    205,635 
           
CASH, beginning of period   4,413,130    6,173,349 
           
CASH, end of period  $4,892,912   $6,378,984 
           
Supplemental cash flow information:          
Interest paid  $9,414,926   $8,453,511 
Noncash investing and financing activities          
Due date extension of warrants  $-   $917,581 

 

5

 

 

Non-GAAP Financial Measures

 

We regularly review a number of metrics, including the following key metrics, to evaluate our business, measure our performance, identify trends affecting our business, formulate financial projections and make strategic decisions.

 

Adjusted EBITDA represents net income before interest, stock-based compensation, taxes, depreciation (other than depreciation of leased merchandise), amortization, and one-time or non-recurring items. We believe that Adjusted EBITDA provides us with an understanding of one aspect of earnings before the impact of investing and financing charges and income taxes.

 

Key performance metrics for the periods ended June 30, 2024 and June 30, 2023 were as follows:

 

   Three months ended
June 30,		         
   2024   2023   $ Change   % Change 
Gross Profit:            
Gross lease billings and fees  $34,686,893   $32,501,656   $2,185,237    6.7 
Provision for doubtful accounts   (7,806,427)   (10,847,413)   3,040,986    (28.0)
Gain on sale of lease receivables   28,525    1,252,600    (1,224,075)   (97.7)
Lease placement collections   165,057    -    165,057    - 
Net lease billing and fees  $27,074,048   $22,906,843   $4,167,205    18.2 
Loan revenues and fees   2,626,896    3,446,893    (819,997)   (23.8)
Net changes in the fair value of loans receivable   687,479    (1,821,700)   2,509,179    (137.7)
Net loan revenue   3,314,375    1,625,193    1,689,182    103.9 
Retail revenue   1,370,462    -   1,370,462    - 
Total revenues  $31,758,885   $24,532,036   $7,226,849    29.5 
Depreciation and impairment of lease merchandise   (13,848,925)   (14,485,417)   636,492    (4.4)
Cost of retail revenues   (1,059,098)   -    (1,059,098)   - 
Loans origination costs and fees   (896,040)   (1,655,424)   759,384    (45.9)
Gross profit  $15,954,822   $8,391,195   $7,563,627    90.1 
Gross profit margin   50%   34%          

 

   Three months ended
June 30,		         
   2024   2023   $ Change   % Change 
Adjusted EBITDA:                
Net loss  $(1,603,059)  $(5,297,655)  $3,694,596    (69.7)
Income taxes   (1,246,030)   (1,302,225)   56,195    (4.3)
Amortization of debt issuance costs   314,702    111,807    202,895    181.5 
Amortization of discount on the promissory note related to acquisition   -    59,238    (59,238)   (100.0)
Other amortization and depreciation   2,382,726    1,884,544    498,182    26.4 
Interest expense   4,911,453    4,397,513    513,940    11.7 
Stock-based compensation   154,873    443,800    (288,927)   (65.1)
Adjusted EBITDA  $4,914,665   $297,022   $4,617,643    1,554.6 

 

The Company refers to Adjusted EBITDA in the above table as the Company uses this measure to evaluate operating performance and to make strategic decisions about the Company. Management believes that Adjusted EBITDA provides relevant and useful information which is widely used by analysts, investors and competitors in its industry in assessing performance.

 

6

 

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Cover
Aug. 06, 2024
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Aug. 06, 2024
Entity File Number 001-37945
Entity Registrant Name FlexShopper, Inc.
Entity Central Index Key 0001397047
Entity Tax Identification Number 20-5456087
Entity Incorporation, State or Country Code DE
Entity Address, Address Line One 901 Yamato Road
Entity Address, Address Line Two Suite 260
Entity Address, City or Town Boca Raton
Entity Address, State or Province FL
Entity Address, Postal Zip Code 33431
City Area Code 855
Local Phone Number 353-9289
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $0.0001 per share
Trading Symbol FPAY
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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