FPAY / FlexShopper, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

FlexShopper, Inc.
US ˙ NasdaqCM ˙ US33939J3032

Mga Batayang Estadistika
LEI 5493007P8J2I11KFO744
CIK 1397047
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to FlexShopper, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
September 4, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 29, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 29, 2025 FLEXSHOPPER, INC.

September 4, 2025 EX-10.1

FORBEARANCE AND FIFTH AMENDMENT TO CREDIT AGREEMENT

Exhibit 10.1 FORBEARANCE AND FIFTH AMENDMENT TO CREDIT AGREEMENT This FORBEARANCE AND FIFTH AMENDMENT TO CREDIT AGREEMENT is dated and entered into as of August 29, 2025 (this “Amendment”), by and among FLEX REVOLUTION, LLC, a Delaware limited liability company (“Borrower”), the Lenders party hereto, FLEXSHOPPER INC., a Delaware corporation (“Guarantor”), and BP FUNDCO LLC, a Delaware limited liab

August 25, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 22, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 22, 2025 FLEXSHOPPER, INC.

August 20, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 18, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 18, 2025 FLEXSHOPPER, INC.

August 20, 2025 EX-10.1

AMENDMENT NO. 3 TO CREDIT AGREEMENT AND AMENDMENT NO. 1 TO FEE LETTER

Exhibit 10.1 AMENDMENT NO. 3 TO CREDIT AGREEMENT AND AMENDMENT NO. 1 TO FEE LETTER This AMENDMENT NO. 3 TO CREDIT AGREEMENT AND AMENDMENT NO. 1 TO FEE LETTER (this “Amendment”) is made and entered into as of August 18, 2025 between FLEXSHOPPER 2, LLC (the “Company”), Powerscourt Investments 50, LP, as administrative agent (in such capacity, the “Administrative Agent”) and as the lender (the “Lende

August 18, 2025 EX-10.1

LIMITED FORBEARANCE AND REAFFIRMATION

Exhibit 10.1 LIMITED FORBEARANCE AND REAFFIRMATION This LIMITED FORBEARANCE AND REAFFIRMATION (this “Forbearance and Reaffirmation”) is made and entered into as of August 16, 2025 (the “Effective Date”) by and among FlexShopper 2, LLC (the “Borrower”), FlexShopper, LLC (“FlexShopper” and, together with the Borrower, the “Relevant Parties”), and Powerscourt Investments 50, LP (the “Administrative A

August 18, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 12, 2025 FLEXSHOPPER, INC. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 12, 2025 FLEXSHOPPER, INC.

August 15, 2025 NT 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File Number 001-37945 NOTIFICATION OF LATE FILING (Check One): ☐ Form 10-K ☐ Form 11-K ☐ Form 20-F ☒ Form 10-Q For Period Ended: June 30, 2025 Nothing in this Form shall be construed to imply that the Commission has verified any information contained herein. If the notification relates to a portion of the filing check

August 12, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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, 2025 FLEXSHOPPER, INC. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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, 2025 FLEXSHOPPER, INC.

August 5, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 30, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 30, 2025 FLEXSHOPPER, INC.

August 5, 2025 EX-10.1

FORBEARANCE AND FOURTH AMENDMENT TO CREDIT AGREEMENT

Exhibit 10.1 FORBEARANCE AND FOURTH AMENDMENT TO CREDIT AGREEMENT This FORBEARANCE AND FOURTH AMENDMENT TO CREDIT AGREEMENT is dated and entered into as of July 31, 2025 (this “Amendment”), by and among FLEX REVOLUTION, LLC, a Delaware limited liability company (“Borrower”), the Lenders party hereto, FLEXSHOPPER INC., a Delaware corporation (“Guarantor”), and BP FUNDCO LLC, a Delaware limited liab

July 29, 2025 EX-99.1

[remainder of page left intentionally blank]

Exhibit 99.1 RESIGNATION Howard S. Dvorkin, Chairman of the Board c/o FlexShopper, Inc. 901 Yamato Road, Suite 260 Boca Raton, FL 33431 [email protected] FlexShopper, Inc. 901 Yamato Road, Suite 260 Boca Raton, FL 33431 Attn: John Davis, President and Chief Operating Officer [email protected] Olshan Frome Wolosky LLP 1325 Avenue of the Americas New York, NY 10019 Attn: Spenc

July 29, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 27, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 27, 2025 FLEXSHOPPER, INC.

July 14, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 8, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 8, 2025 FLEXSHOPPER, INC.

June 13, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 7, 2025 FLEXSHOPPER, INC.

June 13, 2025 EX-10.1

THIRD AMENDMENT TO CREDIT AGREEMENT

Exhibit 10.1 Execution Version THIRD AMENDMENT TO CREDIT AGREEMENT This THIRD AMENDMENT TO CREDIT AGREEMENT is dated and entered into as of June 7, 2025 (this “Amendment”), by and among REVOLUTION FINANCIAL, INC., a Texas corporation (“Revolution”), FLEX REVOLUTION, LLC, a Delaware limited liability company (“Flex” and together with Revolution, individually and collectively, the “Borrower”), the S

May 16, 2025 NT 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File Number 001-37945 NOTIFICATION OF LATE FILING (Check One): ☐ Form 10-K ☐ Form 11-K ☐ Form 20-F ☒ Form 10-Q For Period Ended: March 31, 2025 Nothing in this Form shall be construed to imply that the Commission has verified any information contained herein. If the notification relates to a portion of the filing chec

May 8, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 1, 2025 FLEXSHOPPER, INC. (Exac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 1, 2025 FLEXSHOPPER, INC.

May 8, 2025 EX-10.2

AMENDMENT NO. 2 TO CREDIT AGREEMENT

Exhibit 10.2 EXECUTION VERSION AMENDMENT NO. 2 TO CREDIT AGREEMENT This AMENDMENT NO. 2 TO CREDIT AGREEMENT (this “Amendment”) is made and entered into as of April 30, 2025 between FLEXSHOPPER 2, LLC (the “Company”), Powerscourt Investments 50, LP, as administrative agent (in such capacity, the “Administrative Agent”) and as the lender (the “Lender”). BACKGROUND WHEREAS, the Company, the Administr

May 8, 2025 EX-10.1

AMENDMENT NO. 1 TO CREDIT AGREEMENT

Exhibit 10.1 EXECUTION VERSION AMENDMENT NO. 1 TO CREDIT AGREEMENT This AMENDMENT NO. 1 TO CREDIT AGREEMENT (this “Amendment”) is made and entered into as of April 9, 2025 between FLEXSHOPPER 2, LLC (the “Company”), Powerscourt Investments 50, LP, as administrative agent (in such capacity, the “Administrative Agent”) and as the lender (the “Lender”). BACKGROUND WHEREAS, the Company, the Administra

April 28, 2025 EX-99.1

FlexShopper, Inc. Reports 2024 Fourth-Quarter and Year-End Financial Results Ongoing DTC and B2B growth strategies drove a 19.5% year-over-year increase in annual revenue Operating income for 2024 increased 66% to $22.8 million, and adjusted EBITDA i

Exhibit 99.1 NEWS RELEASE FlexShopper, Inc. Reports 2024 Fourth-Quarter and Year-End Financial Results Ongoing DTC and B2B growth strategies drove a 19.5% year-over-year increase in annual revenue Operating income for 2024 increased 66% to $22.8 million, and adjusted EBITDA increased 43.1% to $33.3 million, as a result of higher revenue, controlled expenses and favorable asset quality Boca Raton,

April 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 23, 2025 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer o

April 1, 2025 NT 10-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File Number 001-37945 NOTIFICATION OF LATE FILING (Check One): ☒ Form 10-K ☐ Form 11-K ☐ Form 20-F ☐ Form 10-Q For Period Ended: December 31, 2024 Nothing in this Form shall be construed to imply that the Commission has verified any information contained herein. If the notification relates to a portion of the filing c

February 6, 2025 EX-1

Transactions by the Reporting Person in the Past 60 Days

Exhibit 1 Transactions by the Reporting Person in the Past 60 Days Shares of Common Stock Purchased/(Sold) Price Per Share ($) Date of Purchase/Sale 10,0001 $1.

February 6, 2025 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 3 ex991to13da112379008020525.htm Exhibit 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k)(1)(iii) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of a Statement on Schedule 13D (including additional amendments thereto) with respect to the shares of Common Stock, par value $0.0001 per share, of Fl

January 22, 2025 EX-99.1

T. Scott King to Retire from FlexShopper’s Board of Directors

Exhibit 99.1 FlexShopper Appoints Former North Carolina Governor Patrick McCrory to its Board of Directors January 22, 2025 T. Scott King to Retire from FlexShopper’s Board of Directors BOCA RATON, Fla., Jan. 22, 2025 (GLOBE NEWSWIRE) - FlexShopper Inc. (Nasdaq: FPAY), a leading national lease-to-own (LTO) retailer and payment solutions provider, today announced that it has appointed Patrick McCro

January 22, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): January 20, 2025 FLEXSHOPPER, INC.

December 20, 2024 EX-10.1

AMENDMENT NO. 2 TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT

Exhibit 10.1 AMENDMENT NO. 2 TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDMENT, dated December 20, 2024 (this “Amendment”), is between FLEXSHOPPER, INC., a Delaware corporation (the “Company”), and H. RUSSELL HEISER JR. (the “Executive”), with an effective date of January 1, 2024 (the “Effective Date”). W I T N E S S E T H WHEREAS, the Company and the Executive are parties to an Amended

December 20, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 20, 2024 FLEXSHOPPER, INC.

December 2, 2024 EX-99.2

FORM OF INSTRUCTIONS AS TO USE OF FLEXSHOPPER, INC. NON-TRANSFERABLE SERIES A RIGHTS CERTIFICATES NON-TRANSFERABLE SERIES B RIGHTS CERTIFICATES NON-TRANSFERABLE SERIES C RIGHTS CERTIFICATES PLEASE CONSULT THE SUBSCRIPTION AGENT, INFORMATION AGENT, YO

Exhibit 99.2 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZI

December 2, 2024 CORRESP

EMAIL: [email protected]

EMAIL: [email protected] DIRECT DIAL: 212.451.2234 December 2, 2024 VIA EDGAR U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: FlexShopper, Inc. Rule 424(b) Prospectus relating to Registration Statement on Form S-1 (File No. 333-282857) Ladies and Gentlemen: On behalf of FlexShopper, Inc., a Delaware corporation, we hereby submit in electronic format for f

December 2, 2024 EX-4.5

FLEXSHOPPER, INC. (Incorporated under the laws of the State of Delaware) NON-TRANSFERABLE SERIES C RIGHTS CERTIFICATE Evidencing non-transferable Series C Rights, each to purchase one share of common stock Exercise Price: $4.25 THE SERIES C RIGHTS WI

Exhibit 4.5 CERTIFICATE # NUMBER OF SERIES C RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER,

December 2, 2024 424B3

Non-Transferable Subscription Rights to Purchase Up to 35,000,000 Units Each Unit Consisting of One Share of Common Stock, One Series A Right, One Series B Right and One Series C Right, and shares of Common Stock Issuable Upon Exercise of the Series

Filed Pursuant to Rule 424(b)(3) Registration No. 333-282857 Non-Transferable Subscription Rights to Purchase Up to 35,000,000 Units Each Unit Consisting of One Share of Common Stock, One Series A Right, One Series B Right and One Series C Right, and shares of Common Stock Issuable Upon Exercise of the Series A Rights, Series B Rights and Series C Rights We are distributing, at no charge, non-tran

December 2, 2024 EX-99.3

FORM OF LETTER TO STOCKHOLDERS WHO ARE RECORD HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc.

Exhibit 99.3 FORM OF LETTER TO STOCKHOLDERS WHO ARE RECORD HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. December 2, 2024 Dear Stockholders: Enclosed are materials relating to the rights offering being conducted by FlexShopper, Inc., a Delaware corporation, including the prospectus dated December 2, 2024 (the “Pr

December 2, 2024 EX-99.6

FLEXSHOPPER, INC. BENEFICIAL OWNER ELECTION FORM

Exhibit 99.6 THE TERMS AND CONDITIONS OF THE RIGHTS OPPERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@M

December 2, 2024 EX-99.7

FLEXSHOPPER, INC. UNITS SUBSCRIBED FOR UPON EXERCISE OF SUBSCRIPTION RIGHTS AND SHARES OF COMMON STOCK SUBSCRIBED FOR UPON EXERCISE OF SERIES RIGHTS NOMINEE HOLDER CERTIFICATION

Exhibit 99.7 THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@M

December 2, 2024 EX-4.2

FLEXSHOPPER, INC. (Incorporated under the laws of the State of Delaware) NON-TRANSFERABLE SUBSCRIPTION RIGHTS CERTIFICATE Evidencing non-transferable Subscription Rights, each to purchase one unit, each unit consisting of one share of common stock, o

Exhibit 4.2 CERTIFICATE # NUMBER OF SUBSCRIPTION RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOP

December 2, 2024 EX-99.8

FlexShopper Announces Record Date for Proposed Rights Offering

Exhibit 99.8 PRESS RELEASE FOR IMMEDIATE RELEASE November 27, 2024 FlexShopper Announces Record Date for Proposed Rights Offering Boca Raton, Florida, November 27, 2024 – FlexShopper, Inc. (Nasdaq: FPAY) (the “Corporation”) announced today the tentative calendar for its previously proposed rights offering (“Rights Offering”). The Corporation is planning to commence the Rights Offering to raise cap

December 2, 2024 EX-99.5

FORM OF LETTER TO CLIENTS OF BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc.

Exhibit 99.5 FORM OF LETTER TO CLIENTS OF BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. December 2, 2024 To Our Clients: Enclosed for your consideration are (i) a prospectus, dated December 2, 2024 (the “Prospectus”), (ii) “Instructions as to Use of FlexShopper, Inc. Non-Transferable Sub

December 2, 2024 EX-1.1

DEALER-MANAGER AGREEMENT

Exhibit 1.1 DEALER-MANAGER AGREEMENT December 2, 2024 Moody Capital Solutions, Inc. As Dealer-Manager 2458 Dunkerrin Lane Atlanta, GA 30360 Ladies and Gentlemen: The following will confirm our agreement relating to the proposed offering (the “Offering”) to be undertaken by FlexShopper Inc., a Delaware corporation (the “Company”), pursuant to which the Company will distribute to holders of record o

December 2, 2024 EX-99.1

FORM OF INSTRUCTIONS AS TO USE OF FLEXSHOPPER, INC. NON-TRANSFERABLE SUBSCRIPTION RIGHTS CERTIFICATES PLEASE CONSULT THE INFORMATION AGENT, SUBSCRIPTION AGENT, YOUR BANK OR BROKER FOR ANY QUESTIONS

Exhibit 99.1 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZI

December 2, 2024 EX-4.3

FLEXSHOPPER, INC. (Incorporated under the laws of the State of Delaware) NON-TRANSFERABLE SERIES A RIGHTS CERTIFICATE Evidencing non-transferable Series A Rights, each to purchase one share of common stock Exercise Price: $2.55 THE SERIES A RIGHTS WI

Exhibit 4.3 CERTIFICATE # NUMBER OF SERIES A RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER,

December 2, 2024 EX-99.4

FORM OF LETTER TO BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc.

Exhibit 99.4 FORM OF LETTER TO BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. December 2, 2024 To Securities Dealers, Commercial Banks, Trust Companies and Other Nominees: This letter is being distributed to securities dealers, commercial banks, trust companies and other nominees in conne

December 2, 2024 EX-4.4

FLEXSHOPPER, INC. (Incorporated under the laws of the State of Delaware) NON-TRANSFERABLE SERIES B RIGHTS CERTIFICATE Evidencing non-transferable Series B Rights, each to purchase one share of common stock Exercise Price: $3.40 THE SERIES B RIGHTS WI

Exhibit 4.4 CERTIFICATE # NUMBER OF SERIES B RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED DECEMBER 2, 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER,

December 2, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): November 27, 2024 FLEXSHOPPER, INC.

November 26, 2024 CORRESP

FlexShopper, Inc. 901 Yamato Road, Suite 260 Boca Raton, FL 33431

EMAIL: [email protected] DIRECT DIAL: 212.451.2234 November 26, 2024 VIA EDGAR U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Attention: Rucha Pandit, Esq. Division of Corporation Finance Office of Trade & Services Re: FlexShopper, Inc. Registration Statement on Form S-1 File No. 333-282857 Ladies and Gentlemen: On behalf of FlexShopper, Inc. (the “Company”)

November 20, 2024 S-1/A

As filed with the Securities and Exchange Commission on November 20, 2024

As filed with the Securities and Exchange Commission on November 20, 2024 Registration No.

November 20, 2024 EX-99.2

Form of Instructions as to Use of Series Rights Certificate

Exhibit 99.2 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPARTNERS.

November 20, 2024 EX-4.2

Form of Subscription Rights Certificate for Subscription Rights

Exhibit 4.2 CERTIFICATE # NUMBER OF SUBSCRIPTION RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER, INC. (Inco

November 20, 2024 CORRESP

November 20, 2024

EMAIL: [email protected] DIRECT DIAL: 212.451.2234 November 20, 2024 VIA EDGAR AND ELECTRONIC MAIL U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Attn.: Ms. Rucha Pandit and Mr. Donald Field Division of Corporation Finance Office of Trade & Services Re: FlexShopper, Inc. Registration Statement on Form S-1 Filed October 28, 2024 File No. 333-282857 Ladies and

November 20, 2024 EX-99.6

Form of Beneficial Owner Election Form

Exhibit 99.6 THE TERMS AND CONDITIONS OF THE RIGHTS OPPERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPA

November 20, 2024 EX-99.4

Form of Letter to Brokers and Other Nominee Holders

Exhibit 99.4 FORM OF LETTER TO BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 To Securities Dealers, Commercial Banks, Trust Companies and Other Nominees: This letter is being distributed to securities dealers, commercial banks, trust companies and other nominees in connection with

November 20, 2024 EX-1.1

Form of Dealer-Manager Agreement with Moody Capital Solutions, Inc.

Exhibit 1.1 FORM OF DEALER-MANAGER AGREEMENT , 2024 Moody Capital Solutions, Inc. As Dealer-Manager 2458 Dunkerrin Lane Atlanta, GA 30360 Ladies and Gentlemen: The following will confirm our agreement relating to the proposed offering (the “Offering”) to be undertaken by FlexShopper Inc., a Delaware corporation (the “Company”), pursuant to which the Company will distribute to holders of record of

November 20, 2024 EX-99.3

Form of Letter to Stockholders Who Are Record Holders

Exhibit 99.3 FORM OF LETTER TO STOCKHOLDERS WHO ARE RECORD HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 Dear Stockholders: Enclosed are materials relating to the rights offering being conducted by FlexShopper, Inc., a Delaware corporation, including the prospectus dated , 2024 (the “Prospectus”). Please c

November 20, 2024 EX-99.7

Form of Nominee Holder Certification

Exhibit 99.7 THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPA

November 20, 2024 EX-99.1

Form of Instructions as to Use of Subscription Rights Certificate

Exhibit 99.1 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPARTNERS.

November 20, 2024 EX-99.8

Form of Notice of Important Tax Information

Exhibit 99.8 FORM OF NOTICE OF IMPORTANT TAX INFORMATION FLEXSHOPPER, INC. This notice is provided in connection with the prospectus of FlexShopper, Inc. (the “Company”) dated , 2024. Under the U.S. federal income tax laws, distributions (including constructive distributions) that may be made by the Company of certain non-transferable subscription rights (the “Subscription Rights”) entitling holde

November 20, 2024 EX-99.5

Form of Broker Letter to Clients Who are Beneficial Holders

Exhibit 99.5 FORM OF LETTER TO CLIENTS OF BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 To Our Clients: Enclosed for your consideration are (i) a prospectus, dated , 2024 (the “Prospectus”), (ii) “Instructions as to Use of FlexShopper, Inc. Non-Transferable Subscription Rights” an

November 19, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 o TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (

November 19, 2024 EX-99.1

FlexShopper, Inc. Reports Record 2024 Third-Quarter Financial Results Strategic transformation produced record quarterly total revenue of $38.6 million, with earnings increasing to $0.05 per diluted share for the third quarter of 2024 Adjusted EBITDA

Exhibit 99.1 NEWS RELEASE FlexShopper, Inc. Reports Record 2024 Third-Quarter Financial Results Strategic transformation produced record quarterly total revenue of $38.6 million, with earnings increasing to $0.05 per diluted share for the third quarter of 2024 Adjusted EBITDA increased 45% year-over-year to a quarterly record of $12.2 million Boca Raton, Fla., - November 14, 2024 - FlexShopper, In

November 19, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 14, 2024 FLEXSHOPPER, INC. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction of incorporation) (Commission File Nu

November 19, 2024 EX-10.2

Amendment No.5 to the FlexShopper, Inc. 2018 Omnibus Equity Compensation Plan (previously filed as Appendix B to the Company’s Definitive Proxy Statement filed on September 9, 2024 and incorporated herein by reference).

Amendment No. 5 to the FlexShopper, Inc. 2018 Omnibus Equity Compensation Plan This Amendment (“Amendment”), dated October 7, 2024, of the 2018 Omnibus Equity Compensation Plan (the “Existing Plan,” and as amended, the “Plan”), of FlexShopper, Inc., a Delaware corporation (the “Company”), is made and adopted by the Company, subject to approval of the stockholders of the Company. Statement of Purpo

November 15, 2024 NT 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File Number 001-37945 NOTIFICATION OF LATE FILING (Check One): ☐ Form 10-K ☐ Form 11-K ☐ Form 20-F ☒ Form 10-Q For Period Ended: September 30, 2024 Nothing in this Form shall be construed to imply that the Commission has verified any information contained herein. If the notification relates to a portion of the filing

October 29, 2024 FWP

Issuer Free Writing Prospectus

Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

October 28, 2024 EX-99.1

Form of Instructions as to Use of Subscription Rights Certificate

Exhibit 99.1 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPARTNERS.

October 28, 2024 EX-99.3

Form of Letter to Stockholders Who Are Record Holders

Exhibit 99.3 FORM OF LETTER TO STOCKHOLDERS WHO ARE RECORD HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 Dear Stockholders: Enclosed are materials relating to the rights offering being conducted by FlexShopper, Inc., a Delaware corporation, including the prospectus dated , 2024 (the “Prospectus”). Please c

October 28, 2024 EX-4.4

Form of Subscription Rights Certificate for Series B Rights

Exhibit 4.4 CERTIFICATE # NUMBER OF SERIES B RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER, INC. (Incorpor

October 28, 2024 EX-99.5

Form of Broker Letter to Clients Who are Beneficial Holders

Exhibit 99.5 FORM OF LETTER TO CLIENTS OF BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 To Our Clients: Enclosed for your consideration are (i) a prospectus, dated , 2024 (the “Prospectus”), (ii) “Instructions as to Use of FlexShopper, Inc. Non-Transferable Subscription Rights” an

October 28, 2024 CORRESP

EMAIL: [email protected]

EMAIL: [email protected] DIRECT DIAL: 212.451.2234 October 28, 2024 VIA EDGAR U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: FlexShopper, Inc. Registration Statement on Form S-1 Ladies and Gentlemen: On behalf of FlexShopper, Inc., a Delaware corporation (the “Company”), we are hereby filing in electronic format through EDGAR with the U.S. Securities and

October 28, 2024 EX-4.2

Form of Subscription Rights Certificate for Subscription Rights

Exhibit 4.2 CERTIFICATE # NUMBER OF SUBSCRIPTION RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER, INC. (Inco

October 28, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): October 25, 2024 FLEXSHOPPER, INC.

October 28, 2024 EX-99.7

Form of Nominee Holder Certification

Exhibit 99.7 THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPA

October 28, 2024 EX-FILING FEES

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-1 (Form Type) FlexShopper, Inc.

October 28, 2024 EX-99.6

Form of Beneficial Owner Election Form

Exhibit 99.6 THE TERMS AND CONDITIONS OF THE RIGHTS OPPERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPA

October 28, 2024 EX-99.8

Form of Notice of Important Tax Information

Exhibit 99.8 FORM OF NOTICE OF IMPORTANT TAX INFORMATION FLEXSHOPPER, INC. This notice is provided in connection with the prospectus of FlexShopper, Inc. (the “Company”) dated , 2024. Under the U.S. federal income tax laws, distributions (including constructive distributions) that may be made by the Company in respect of shares of common stock, Series A Rights, Series B Rights, or Series C Rights,

October 28, 2024 EX-4.3

Form of Subscription Rights Certificate for Series A Rights

Exhibit 4.3 CERTIFICATE # NUMBER OF SERIES A RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER, INC. (Incorpor

October 28, 2024 EX-99.2

Form of Instructions as to Use of Series Rights Certificate

Exhibit 99.2 THE TERMS AND CONDITIONS OF THE OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , 2024 (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, BY CALLING (212) 929-5500 (BANKERS AND BROKERS) OR (800) 322-2885 (ALL OTHERS) OR BY EMAIL AT RIGHTSOFFER@MACKENZIEPARTNERS.

October 28, 2024 EX-4.5

Form of Subscription Rights Certificate for Series C Rights

Exhibit 4.5 CERTIFICATE # NUMBER OF SERIES C RIGHTS: THE TERMS AND CONDITIONS OF THE RIGHTS OFFERING ARE SET FORTH IN THE COMPANY’S PROSPECTUS DATED , (THE “PROSPECTUS”) AND ARE INCORPORATED HEREIN BY REFERENCE. COPIES OF THE PROSPECTUS ARE AVAILABLE UPON REQUEST FROM MACKENZIE PARTNERS, INC., THE INFORMATION AGENT, AT (212) 929-5500 OR CALL TOLL-FREE AT (800) 322-2885. FLEXSHOPPER, INC. (Incorpor

October 28, 2024 S-1

As filed with the Securities and Exchange Commission on October 28, 2024

As filed with the Securities and Exchange Commission on October 28, 2024 Registration No.

October 28, 2024 EX-99.4

Form of Letter to Brokers and Other Nominee Holders

Exhibit 99.4 FORM OF LETTER TO BROKERS AND OTHER NOMINEE HOLDERS FLEXSHOPPER, INC. 35,000,000 Units Offered Pursuant to Subscription Rights Distributed to Stockholders of FlexShopper, Inc. , 2024 To Securities Dealers, Commercial Banks, Trust Companies and Other Nominees: This letter is being distributed to securities dealers, commercial banks, trust companies and other nominees in connection with

October 28, 2024 EX-99.1

FlexShopper Announces a Purchase Option for 91% of its Outstanding Series 2 Preferred Stock at a 50+% Discount to Liquidation Preference Transaction is expected to save FlexShopper $23+ million, or ~$1 per share upon completion

Exhibit 99.1 FlexShopper Announces a Purchase Option for 91% of its Outstanding Series 2 Preferred Stock at a 50+% Discount to Liquidation Preference Transaction is expected to save FlexShopper $23+ million, or ~$1 per share upon completion BOCA RATON, Fla., October 28, 2024 (GLOBE NEWSWIRE) – FlexShopper, Inc. (Nasdaq: FPAY), (“the Company”), a leading online lease-to-own retailer and payment sol

October 28, 2024 EX-10.1

Preferred Stock Purchase Option Agreement (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on October 28, 2024 and incorporated herein by reference)

Exhibit 10.1 FLEXSHOPPER, INC. Preferred Stock Purchase Option Agreement This Preferred Stock Purchase Option Agreement (this “Agreement”) is made and entered on October 25, 2024 (the “Effective Date”), by and among FlexShopper, Inc., a Delaware corporation (the “Company”), and B2 FIE V LLC, a Delaware limited liability company (the “Investor”). WHEREAS, the Investor owns 20,000 shares (the “Share

October 8, 2024 8-K

Submission of Matters to a Vote of Security Holders, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): October 7, 2024 FLEXSHOPPER, INC.

October 8, 2024 EX-3.1

Certificate of Amendment to Certificate of Incorporation of FlexShopper, Inc. (previously filed as Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on October 8, 2024 and incorporated herein by reference)

Exhibit 3.1 CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF FLEXSHOPPER, INC. FLEXSHOPPER, INC., a corporation duly organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), does hereby certify that: 1. The Certificate of Incorporation of the Corporation is hereby amended by deleting Section 1 of Article FOURTH thereof in its entirety and re

September 9, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

August 29, 2024 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confide

August 6, 2024 EX-99.1

FlexShopper, Inc. Reports 2024 Second-Quarter Financial Results

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 Of

August 6, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (Exact

August 6, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 o

May 13, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (Exac

May 13, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): May 13, 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

May 13, 2024 EX-99.1

FlexShopper, Inc. Reports 2024 First Quarter and Year End Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports 2024 First Quarter and Year End Financial Results BOCA RATON, Fla., May 13, (GLOBE NEWSWIRE) - 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 March 31, 2024. Results for Quarter Ended Ma

April 3, 2024 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHO

April 1, 2024 EX-99.1

FlexShopper, Inc. Reports 2023 Fourth Quarter and Year End Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports 2023 Fourth Quarter and Year End Financial Results BOCA RATON, Fla., April 1, (GLOBE NEWSWIRE) - 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 December 31, 2023. Results for Quarter End

April 1, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): April 1, 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

April 1, 2024 EX-21.1

Subsidiaries of the Company (previously filed as Exhibit 21.1 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 and incorporated herein by reference)

Exhibit 21.1 Subsidiaries of Registrant FlexShopper, LLC is a limited liability company formed under the laws of the State of Delaware in June 2013. FlexShopper 1, LLC and FlexShopper 2, LLC are wholly-owned subsidiaries formed under the laws of the State of Delaware in the first quarter of 2015. FlexLending, LLC, is a limited liability company organized under the laws of Delaware in 2019. FlexRet

April 1, 2024 EX-97.1

FlexShopper, Inc.- Clawback Policy (previously filed as Exhibit 97.1 to the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 and incorporated herein by reference)

Exhibit 97.1 FLEXSHOPPER, INC. DODD-FRANK CLAWBACK POLICY The Board of Directors (“Board”) of FlexShopper, Inc. (“Company”) has adopted this clawback policy (“Policy”) as a supplement to any other clawback policies in effect now or in the future at the Company to provide for the recovery of erroneously awarded Incentive-Based Compensation from Executive Officers. This Policy shall be interpreted t

April 1, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact

March 28, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 27, 2024 FLEXSHOPPER, INC.

March 28, 2024 EX-10.1

Credit Agreement, dated as of March 24, 2024, by and among FlexShopper 2, LLC, Computershare Trust Company, National Association, various lenders from time to time party hereto, and Powerscourt Investment 50, LP (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 27, 2024 and incorporated herein by reference)

Exhibit 10.1 CREDIT AGREEMENT dated as of March 27, 2024 among FLEXSHOPPER 2, LLC, as Company, COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION as Paying Agent, VARIOUS LENDERS FROM TIME TO TIME PARTY HERETO, and Powerscourt Investments 50, LP, as Administrative Agent Securitization Warehouse Facility Table of Contents Page Section 1. DEFINITIONS AND INTERPRETATION 1 1.1 Definitions 1 1.1 Account

November 14, 2023 EX-99.1

FlexShopper, Inc. Reports Third Quarter 2023 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports Third Quarter 2023 Financial Results BOCA RATON, Fla., November 14, 2023, (GLOBE NEWSWIRE) - 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 September 30, 2023. Results for Quarter Ended

November 14, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 14, 2023 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employe

November 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (

November 1, 2023 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): November 1, 2023 FLEXSHOPPER, INC.

September 22, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

August 14, 2023 EX-99.1

FlexShopper, Inc. Reports Second Quarter 2023 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports Second Quarter 2023 Financial Results BOCA RATON, Fla., Aug 14, 2023 (GLOBE NEWSWIRE) - 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, 2023. Results for Quarter Ended June 30, 2

August 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (Exact

August 14, 2023 8-K

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 14, 2023 FlexShopper, Inc.

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 14, 2023 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

July 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 29, 2023 FLEXSHOPPER, INC. (Ex

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 29, 2023 FLEXSHOPPER, INC.

July 3, 2023 EX-10.1

Amendment to Subordinated Debt and Warrants to Purchase Common Stock, dated as of June 29, 2023, between FlexShopper, Inc., FlexShopper, LLC and NRNS Capital Holdings LLC and, for purposes of the warrants only, Harold R. Heiser and PITA Holdings, LLC (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on July 3, 2023 and incorporated herein by reference)

Exhibit 10.1 AMENDMENT TO SUBORDINATED DEBT AND WARRANTS TO PURCHASE COMMON STOCK THIS AMENDMENT, dated as of June 29, 2023 (this “Amendment”), is between FLEXSHOPPER, INC., a Delaware corporation (the “Company”), and FLEXSHOPPER, LLC, a Delaware limited liability company and wholly-owned subsidiary of the Company (“FlexShopper”), and NRNS CAPITAL HOLDINGS LLC (“NRNS”) and, for purposes of the War

June 13, 2023 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 7, 2023 FLEXSHOPPER, INC.

June 13, 2023 EX-10.1

Amendment No. 17 to Credit Agreement, dated as of June 5, 2023, between FlexShopper 2, LLC, as borrower, and Powerscourt Investment 32 LP, as administrative agent and lender (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on June 13, 2023 and incorporated herein by reference)

Exhibit 10.1 EXECUTION VERSION AMENDMENT NO. 17 TO CREDIT AGREEMENT AND CONSENT This AMENDMENT NO. 17 TO CREDIT AGREEMENT AND CONSENT (this “Agreement”) is made and entered into as of June 5, 2023 between FLEXSHOPPER 2, LLC (the “Company”), Powerscourt Investments 32, LP, as administrative agent (in such capacity, the “Administrative Agent”) and as a lender (the “Lender”). BACKGROUND WHEREAS, the

June 13, 2023 EX-10.2

Joinder Agreement, Consent, Waiver and Second Amendment to Credit Agreement, dated as of June 7, 2023, between Revolution Financial, Inc., as existing borrower, and Flex Revolution, LLC, as the new borrower, the subsidiary guarantors party hereto, the lenders party thereto, the individual guarantor party hereto, and BP Fundco, LLC, as administrate agent (previously filed as Exhibit 10.2 to the Company’s Current Report on Form 8-K filed on June 13, 2023 and incorporated herein by reference)

Exhibit 10.2 Execution Version JOINDER AGREEMENT, CONSENT, WAIVER AND SECOND AMENDMENT TO CREDIT AGREEMENT This JOINDER AGREEMENT, CONSENT, WAIVER AND SECOND AMENDMENT TO CREDIT AGREEMENT is dated and entered into as of June 7, 2023 (this “Amendment”), by and among REVOLUTION FINANCIAL, INC., a Texas corporation (“Existing Borrower”), FLEX REVOLUTION, LLC, a Delaware limited liability company (“Ne

June 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 31, 2023 FLEXSHOPPER, INC. (Exa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 31, 2023 FLEXSHOPPER, INC.

June 1, 2023 EX-99.1

FlexShopper, Inc. Announces regained compliance with Nasdaq’s Minimum Bid Price Requirement

Exhibit 99.1 FlexShopper, Inc. Announces regained compliance with Nasdaq’s Minimum Bid Price Requirement BOCA RATON, Fla., June 1, 2023 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own retailer and financing solutions provider for underserved consumers, today announced that the Company has regained compliance with the Nasdaq’s Minimum Bid

May 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 17, 2023 FLEXSHOPPER, INC. (Exa

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): May 17, 2023 FLEXSHOPPER, INC.

May 22, 2023 EX-99.1

FlexShopper, Inc. Announces Share Repurchase Program

Exhibit 99.1 FlexShopper, Inc. Announces Share Repurchase Program BOCA RATON, Fla., May 22, 2023 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own retailer and financing solutions provider for underserved consumers, today announced that its board of directors has authorized a share repurchase program to acquire up to $2 million of the Compa

May 11, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): May 11, 2023 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

May 11, 2023 EX-99.1

FlexShopper, Inc. Reports First Quarter 2023 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports First Quarter 2023 Financial Results BOCA RATON, Fla., May 11, 2023 (GLOBE NEWSWIRE) - 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 March 31, 2023. Results for Quarter Ended March 31,

May 11, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FLEXSHOPPER, INC. (Exac

April 28, 2023 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHO

April 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 21, 2023 FLEXSHOPPER, INC. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 21, 2023 FLEXSHOPPER, INC.

April 27, 2023 EX-10.1

Amendment No. 1 to Amended and Restated Employment Agreement, dated April 21, 2023. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on April 27, 2023 and incorporated herein by reference)

Exhibit 10.1 AMENDMENT NO. 1 TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDMENT, dated April 21, 2023 (this “Amendment”), is between FLEXSHOPPER, INC., a Delaware corporation (the “Company”), and H. RUSSELL HEISER, JR. (the “Executive”). W I T N E S S E T H WHEREAS, the Company and the Executive are parties to an Amended and Restated Employment Agreement, made and entered into effective a

April 24, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact

April 24, 2023 EX-99.1

FlexShopper, Inc. Regains Compliance Following Receipt of Noncompliance Notice from Nasdaq

Exhibit 99.1 FlexShopper, Inc. Regains Compliance Following Receipt of Noncompliance Notice from Nasdaq BOCA RATON, Fla., April 24, 2023 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own retailer and financing solutions provider, today announced that it received a standard notice of noncompliance from the Nasdaq Listing Qualifications staff

April 24, 2023 8-K

Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 19, 2023 FLEXSHOPPER, INC.

April 24, 2023 8-K

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): April 24, 2023 FlexShopper, Inc.

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): April 24, 2023 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer o

April 24, 2023 EX-21.1

Subsidiaries of the Company*

Exhibit 21.1 Subsidiaries of Registrant FlexShopper, LLC is a limited liability company formed under the laws of the State of Delaware in June 2013. FlexShopper 1, LLC and FlexShopper 2, LLC are wholly-owned subsidiaries formed under the laws of the State of Delaware in the first quarter of 2015. FlexLending, LLC, is a limited liability company organized under the laws of Delaware in 2019. FlexRet

April 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 21, 2023 FLEXSHOPPER, INC. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 21, 2023 FLEXSHOPPER, INC.

April 24, 2023 EX-99.1

FlexShopper, Inc. Reports 2022 Fourth Quarter and Year End Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports 2022 Fourth Quarter and Year End Financial Results BOCA RATON, Fla., April 24, 2023 (GLOBE NEWSWIRE) — 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 and fiscal year ended December 31, 2022. R

March 31, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 30, 2023 FLEXSHOPPER, INC. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 30, 2023 FLEXSHOPPER, INC.

March 31, 2023 EX-10.1

Amendment No 4 to Subordinated Debt Financing Letter Agreement between FlexShopper, LLC and 122 Partners, LLC (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 31, 2023 and incorporated herein by reference).

Exhibit 10.1 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 March 30,2023 122 Partners, LLC Attn.: Mr. Marc Malaga Managing Member Re: Amendment No. 4 to Subordinated Debt Financing Letter Agreement Ladies and Gentlemen: Reference is made to the Subordinated Debt Financing Letter Agreement between us, dated January 25, 2019 (the “Letter Agreement”), and the Subordinated Prom

March 31, 2023 NT 10-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25

NT 10-K 1 ea176027-nt10kflexshopper.htm NOTIFICATION OF LATE FILING SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File Number 001-37945 NOTIFICATION OF LATE FILING (Check One): ☒ Form 10-K ☐ Form 11-K ☐ Form 20-F ☐ Form 10-Q For Period Ended: December 31, 2022 Nothing in this Form shall be construed to imply that the Commission has verified any information contai

March 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 17, 2023 FLEXSHOPPER, INC. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 17, 2023 FLEXSHOPPER, INC.

January 3, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 30, 2022 FLEXSHOPPER, INC.

December 8, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 3, 2022 FLEXSHOPPER, INC.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 3, 2022 FLEXSHOPPER, INC.

December 8, 2022 EX-99.1

FlexShopper, Inc. Announces Purchase of Revolution Financial Inc. Assets

Exhibit 99.1 FlexShopper, Inc. Announces Purchase of Revolution Financial Inc. Assets BOCA RATON, Fla., December 8, 2022 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own retailer and financing solutions provider, today announced the purchase of certain assets of Revolution Financial Inc. and six affiliated entities. This purchase provides

December 8, 2022 EX-2.2

Amendment to Asset Purchase Agreement, dated as of December 1, 2022, by and among FlexShopper Revolution, LLC, the sellers signatory thereto, and Revolution Financial, Inc. (previously filed as Exhibit 2.2 to the Company’s Current Report on Form 8-K filed on December 8, 2022 and incorporated herein by reference)

Exhibit 2.2 AMENDMENT TO ASSET PURCHASE AGREEMENT This Amendment (the “Amendment”), dated as of December 1, 2022, to that certain Asset Purchase Agreement, dated as of October 11, 2022 (the “Agreement”), by and among Revolution Financial, Inc., a Texas corporation (“Revolution”), First Money In, LLC, a Texas limited liability company (“First Money”), Infinity Loans of Idaho, LLC, an Idaho limited

December 8, 2022 EX-2.1

Asset Purchase Agreement, dated as of October 10, 2022, by and among FlexShopper Revolution, LLC, the sellers signatory thereto, and Revolution Financial, Inc. (previously filed as Exhibit 2.1 to the Company’s Current Report on Form 8-K filed on December 8, 2022 and incorporated herein by reference)

Exhibit 2.1 Execution Copy ASSET Purchase Agreement This ASSET PURCHASE AGREEMENT (this “Agreement”), dated as of October 11, 2022, is by and among Revolution Financial, Inc., a Texas corporation (“Revolution”), First Money In, LLC, a Texas limited liability company (“First Money”), Infinity Loans of Idaho, LLC, an Idaho limited liability company (“Infinity of Idaho”), ACAC, Inc., a Delaware corpo

November 29, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

November 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (

November 10, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 10, 2022 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employe

November 10, 2022 EX-99.1

FlexShopper, Inc. Reports Third Quarter 2022 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports Third Quarter 2022 Financial Results BOCA RATON, Fla., November 10, 2022 (GLOBE NEWSWIRE) ? FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today announced its financial results for the quarter ended September 30, 2022. Results for Quarter Ended September 30, 2022 vs.

October 27, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): October 27, 2022 FLEXSHOPPER, INC.

October 27, 2022 EX-10.1

Amendment No. 16 to Credit Agreement, dated as of October 21, 2022, between FlexShopper 2, LLC, as borrower and Powerscourt Investment 32, LP, as administrative agent and lender.

Exhibit 10.1 EXECUTION VERSION AMENDMENT NO. 16 TO CREDIT AGREEMENT This AMENDMENT NO. 16 TO CREDIT AGREEMENT (this ?Agreement?) is made and entered into as of October 21, 2022 between FLEXSHOPPER 2, LLC (the ?Company?), Powerscourt Investments 32, LP, as administrative agent (in such capacity, the ?Administrative Agent?) and as a lender (the ?Lender?). BACKGROUND WHEREAS, the Company, the Adminis

August 11, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 10, 2022 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

August 11, 2022 EX-99.1

FlexShopper, Inc. Reports Second Quarter 2022 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports Second Quarter 2022 Financial Results BOCA RATON, Fla., August 10, 2022 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today announced its financial results for the quarter ended June 30, 2022. Results for Quarter Ended June 30, 2022 vs. Quarter End

August 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exact

June 30, 2022 EX-16.1

Letter from EisnerAmper LLP to the Securities and Exchange Commission, dated June 28, 2022.

Exhibit 16.1 [EISNERAMPER LLP LETTERHEAD] June 28, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated June 28, 2022, of FlexShopper, Inc. and are in agreement with the statements contained therein as it regards our firm. We have no basis to agree or disagree with other statements of the registrant contained

June 30, 2022 8-K

Changes in Registrant's Certifying Accountant, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 28, 2022 FLEXSHOPPER, INC.

May 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exac

May 12, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): May 12, 2022 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

May 12, 2022 EX-99.1

FlexShopper, Inc. Reports First Quarter 2022 Financial Results

Exhibit 99.1 FlexShopper, Inc. Reports First Quarter 2022 Financial Results BOCA RATON, Fla., May 12, 2022 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today announced its financial results for the quarter ended March 31, 2022. Results for Quarter Ended March 31, 2022 vs. Quarter Ended

April 29, 2022 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHO

April 1, 2022 EX-10.1

Amendment No 3 to Subordinated Debt Financing Letter Agreement between FlexShopper, LLC and 122 Partners, LLC (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on April 1, 2022 and incorporated herein by reference).

Exhibit 10.1 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 March 31, 2022 122 Partners, LLC Attn.: Mr. Marc Malaga Managing Member Re: Amendment No. 3 to Subordinated Debt Financing Letter Agreement Ladies and Gentlemen: Reference is made to the Subordinated Debt Financing Letter Agreement between us, dated January 25, 2019 (the ?Letter Agreement?), and the Subordinated Pro

April 1, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): April 1, 2022 FLEXSHOPPER, INC.

March 30, 2022 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

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): March 30, 2022 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer o

March 30, 2022 EX-99.1

FlexShopper, Inc. Reports 2021 Fourth Quarter and Year End Financial Results FY 2021 Net Revenues Up 22.9% to $125.4 million; Net Income of $3.3 million

Exhibit 99.1 FlexShopper, Inc. Reports 2021 Fourth Quarter and Year End Financial Results FY 2021 Net Revenues Up 22.9% to $125.4 million; Net Income of $3.3 million BOCA RATON, Fla., March 30, 2022 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today announced its financial results for

March 30, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact

March 30, 2022 EX-21.1

Subsidiaries of the Company*

Exhibit 21.1 Subsidiaries of Registrant FlexShopper, LLC is a limited liability company formed under the laws of the State of Delaware in June 2013. FlexShopper 1, LLC and FlexShopper 2, LLC are wholly-owned subsidiaries formed under the laws of the State of Delaware in the first quarter of 2015. FlexLending, LLC, is a limited liability company organized under the laws of Delaware in 2019. FlexRet

March 8, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 8, 2022 FLEXSHOPPER, INC.

March 8, 2022 EX-10.1

Amendment No. 15 to Credit Agreement, dated as of March 8, 2022, between FlexShopper 2, LLC, as borrower, WE 2014-1, LLC, as administrative agent and lender, and WE 2022-1, LLC, as lender.( (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 8, 2022 and incorporated herein by reference).

Exhibit 10.1 AMENDMENT NO. 15 TO CREDIT AGREEMENT This AMENDMENT NO. 15 TO CREDIT AGREEMENT (this ?Agreement?) is made and entered into as of March 8, 2022 between FLEXSHOPPER 2, LLC (the ?Company?), WE 2014-1, LLC (the ?Administrative Agent? and ?WE 2014-1?) and WE 2022-1, LLC (?Additional Lender? and, together with WE 2014-1, the ?Lenders?). BACKGROUND WHEREAS, the Company, the Administrative Ag

February 25, 2022 EX-10.1

Amended and Restated Employment Agreement, dated as of February 23, 2022, between FlexShopper, Inc. and Richard House Jr. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on February 25, 2022 and incorporated herein by reference).

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Employment Agreement (?Agreement?) is made and entered into effective as of the Effective Date by and between FlexShopper, Inc., a Delaware corporation (the ?Company?), and Richard House, Jr. (hereinafter, the ?Executive,? and together with the Company, the ?Parties?). W I T N E S S E T H: WHEREAS, the Executive and the Company were parti

February 25, 2022 EX-10.2

Amended and Restated Employment Agreement, dated as of February 23, 2022, between FlexShopper, Inc. and H. Russell Heiser Jr. (previously filed as Exhibit 10.2 to the Company’s Current Report on Form 8-K filed on February 25, 2022 and incorporated herein by reference).

Exhibit 10.2 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Employment Agreement (?Agreement?) is made and entered into effective as of the Effective Date by and between FlexShopper, Inc., a Delaware corporation (the ?Company?), and Russ Heiser (hereinafter, the ?Executive,? and together with the Company, the ?Parties?). W I T N E S S E T H: WHEREAS, the Executive and the Company were parties to a

February 25, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): February 23, 2022 FLEXSHOPPER, INC.

February 4, 2022 EX-10.1

Amendment dated February 2, 2022 to Subordinated Debt Financing Commitment Letter and Second Amended and Restated Subordinated Promissory Note between FlexShopper, LLC and NRNS Capital Holdings LLC. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on February 4, 2022 and incorporated herein by reference).

Exhibit 10.1 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 February 2, 2022 NRNS Capital Holdings LLC 7809 Galleon Court Parkland, Florida 33067 Attn.: Mr. Howard S. Dvorkin, Manager Re: Amendment to NRNS Subordinated Debt Financing Commitment Letter and Second Amended and Restated Subordinated Promissory Note Ladies and Gentlemen: Reference is made to the Subordinated Debt

February 4, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): February 2, 2022 FLEXSHOPPER, INC.

January 3, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 28, 2021 FLEXSHOPPER, INC.

January 3, 2022 EX-10.1

Amendment No. 14 to Credit Agreement, dated December 28, 2021, between FlexShopper 2, LLC and WE 2014-1, LLC. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on December 28, 2021 and incorporated herein by reference).

Exhibit 10.1 EXECUTION COPY AMENDMENT NO. 14 TO CREDIT AGREEMENT This AMENDMENT NO. 14 TO CREDIT AGREEMENT (this ?Agreement?) is made and entered into as of December 28, 2021 between FLEXSHOPPER 2, LLC (the ?Company?) and WE 2014-1, LLC (the ?Administrative Agent? and ?Lender?). BACKGROUND WHEREAS, the Company, the Administrative Agent, Wells Fargo Bank, National Association, as paying agent (the

November 16, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): November 15, 2021 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employe

November 16, 2021 EX-99.1

FlexShopper, Inc. Reports Third Quarter 2021 Financial Results Q3 2021 Net Revenues Up 25.6% to $30.9 million; Net Income of $1.7 million; EPS of $0.05

Exhibit 99.1 FlexShopper, Inc. Reports Third Quarter 2021 Financial Results Q3 2021 Net Revenues Up 25.6% to $30.9 million; Net Income of $1.7 million; EPS of $0.05 BOCA RATON, Fla., November 15, 2021 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today announced its financial results fo

November 15, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (

August 9, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exact

August 9, 2021 EX-99.1

FlexShopper, Inc. Reports Second Quarter 2021 Financial Results Q2 2021 Net Revenues Up 25.1% to $30.7 million; Diluted EPS of $0.01 Lease Merchandise, net, Up 44.3% at June 30, 2021 Compared With Prior Year

Exhibit 99.1 FlexShopper, Inc. Reports Second Quarter 2021 Financial Results Q2 2021 Net Revenues Up 25.1% to $30.7 million; Diluted EPS of $0.01 Lease Merchandise, net, Up 44.3% at June 30, 2021 Compared With Prior Year BOCA RATON, Fla., August 9, 2021 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment soluti

August 9, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 9, 2021 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer o

June 22, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 21, 2021 FLEXSHOPPER, INC.

June 14, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 9, 2021 FLEXSHOPPER, INC.

May 10, 2021 10-Q

Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exac

May 10, 2021 EX-99.1

FlexShopper, Inc. Reports First Quarter 2021 Financial Results Q1 2021 Net Revenues Up 32.7% to $31.9 million Lease Merchandise, net, Up 31.4% at March 31, 2021 Compared With Prior Year

Exhibit 99.1 FlexShopper, Inc. Reports First Quarter 2021 Financial Results Q1 2021 Net Revenues Up 32.7% to $31.9 million Lease Merchandise, net, Up 31.4% at March 31, 2021 Compared With Prior Year BOCA RATON, Fla., May 10, 2021 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (?FlexShopper?), a leading national online lease-to-own (?LTO?) retailer and LTO payment solution provider, today annou

May 10, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): May 10, 2021 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

April 29, 2021 DEF 14A

Amendment to the FlexShopper, Inc. 2018 Omnibus Equity Compensation Plan (previously filed as Appendix A to the Company’s Definitive Proxy Statement filed on April 29, 2021 and incorporated herein by reference).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant S Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

March 25, 2021 EX-10.1

Amendment No. 2 to Subordinated Debt Financing Letter Agreement between FlexShopper, LLC and 122 Partners, LLC (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 25, 2021 and incorporated herein by reference).

Exhibit 10.1 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 March 22, 2021 122 Partners, LLC Attn.: Mr. Marc Malaga Managing Member Re: Amendment No. 2 to Subordinated Debt Financing Letter Agreement Ladies and Gentlemen: Reference is made to the Subordinated Debt Financing Letter Agreement between us, dated January 25, 2019 (the ?Letter Agreement?), and the Subordinated Pro

March 25, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 22, 2021 FLEXSHOPPER, INC.

March 25, 2021 EX-10.2

Amendment to Subordinated Debt Financing Commitment Letter and Second Amended and Restated Subordinated Promissory Note between FlexShopper, LLC and NRNS Capital Holdings LLC (previously filed as Exhibit 10.2 to the Company’s Current Report on Form 8-K filed on March 25, 2021 and incorporated herein by reference).

Exhibit 10.2 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 March 22, 2021 NRNS Capital Holdings LLC 7809 Galleon Court Parkland, Florida 33067 Attn.: Mr. Howard S. Dvorkin, Manager Re: Amendment to NRNS Subordinated Debt Financing Commitment Letter and Second Amended and Restated Subordinated Promissory Note Ladies and Gentlemen: Reference is made to the Subordinated Debt F

March 9, 2021 EX-21.1

Subsidiaries of the Company*

Exhibit 21.1 Subsidiaries of Registrant FlexShopper, LLC is a limited liability company formed under the laws of the State of Delaware in June 2013. Anchor Funding Services, LLC is a limited liability company formed originally in South Carolina in January 2003 and later reincorporated in North Carolina in August 2005. The operations of Anchor are shown as discontinued operations. FlexShopper 1, LL

March 9, 2021 10-K

Annual Report - ANNUAL REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact

March 8, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): March 8, 2021 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

March 8, 2021 EX-99.1

FlexShopper, Inc. Reports 2020 Fourth Quarter and Year End Financial Results Q4 2020 Net Revenues Up 25.3% to $28.1 million Lease Merchandise, net, Up 37.8% at December 31, 2020 Compared With Prior Year

Exhibit 99.1 FlexShopper, Inc. Reports 2020 Fourth Quarter and Year End Financial Results Q4 2020 Net Revenues Up 25.3% to $28.1 million Lease Merchandise, net, Up 37.8% at December 31, 2020 Compared With Prior Year BOCA RATON, Fla., March 8, 2021 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution pro

March 3, 2021 EX-10.1

Amendment No. 13 to Credit Agreement, dated February 26, 2020, between FlexShopper 2, LLC and WE 2014-1, LLC. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on March 3, 2021 and incorporated herein by reference)

Exhibit 10.1 AMENDMENT NO. 13 TO CREDIT AGREEMENT This AMENDMENT NO. 13 TO CREDIT AGREEMENT (this ?Agreement?) is made and entered into as of February 26, 2021 between FLEXSHOPPER 2, LLC (the ?Company?) and WE 2014-1, LLC (the ?Administrative Agent? and ?Lender?). BACKGROUND WHEREAS, the Company, the Administrative Agent, Wells Fargo Bank, National Association, as paying agent (the ?Paying Agent?)

March 3, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): March 3, 2021 FLEXSHOPPER, INC.

February 4, 2021 EX-10.1

Credit Agreement, dated as of March 6, 2015, among FlexShopper 2, LLC, as company, Wells Fargo Bank, National Association, as paying agent, various lenders from time to time party thereto, and WE 2014-1, LLC, as administrative agent, as conformed through Omnibus Amendment dated January 29, 2021 (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on February 4, 2021 and incorporated herein by reference).

Exhibit 10.1 CONFORMED THROUGH OMNIBUS AMENDMENT DATED JANUARY 29, 2021 CREDIT AGREEMENT dated as of March 6, 2015 among FLEXSHOPPER 2, LLC, as Company, WELLS FARGO BANK, NATIONAL ASSOCIATION as Paying Agent, VARIOUS LENDERS FROM TIME TO TIME PARTY HERETO, and WE 2014-1, LLC, as Administrative Agent Securitization Warehouse Facility Table of Contents Page Section 1. DEFINITIONS AND INTERPRETATION

February 4, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - CURRENT REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): January 29, 2021 FLEXSHOPPER, INC.

December 22, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - CURRENT REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): December 16, 2020 FLEXSHOPPER, INC.

November 9, 2020 EX-99.1

FlexShopper, Inc. Reports 2020 Third Quarter Financial Results; Net Revenues Up 5.0% to $23.4 million; Originations Ramped Up Into Quarter End

Exhibit 99.1 FlexShopper, Inc. Reports 2020 Third Quarter Financial Results; Net Revenues Up 5.0% to $23.4 million; Originations Ramped Up Into Quarter End BOCA RATON, Fla., November 9, 2020 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, today announced its financial results for the quar

November 9, 2020 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

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): November 9, 2020 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

November 9, 2020 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (

September 1, 2020 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits - FORM 8-K

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 30, 2020 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

September 1, 2020 EX-10.1

Amendment of Consulting Agreement, dated August 30, 2020, between FlexShopper, Inc. and XLR8 Capital Partners, LLC. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed on September 1, 2020 and incorporated herein by reference).

Exhibit 10.1 AMENDMENT TO cONSULTING AGREEMENT THIS AMENDMENT TO CONSULTING AGREEMENT, dated as of August 30, 2020, between FlexShopper, Inc., a Delaware corporation (the “Company”), and XLR8 Capital Partners, LLC (the “Consultant”). W I T N E S S E T H: WHEREAS, the parties hereto previously entered into a Consulting Agreement, dated as of February 19, 2019 (the “Consulting Agreement”), pursuant

August 10, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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 10, 2020 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

August 10, 2020 10-Q

Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exact

August 10, 2020 EX-99.1

FlexShopper, Inc. Reports 2020 Second Quarter Financial Results; Net Revenues Up 15.1% to $22.9 million; Adjusted EBITDA up 12.7% to $2.0 million

Exhibit 99.1 FlexShopper, Inc. Reports 2020 Second Quarter Financial Results; Net Revenues Up 15.1% to $22.9 million; Adjusted EBITDA up 12.7% to $2.0 million BOCA RATON, Fla., August 10, 2020 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, today announced its financial results for the qu

July 2, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): July 1, 2020 FLEXSHOPPER, INC.

June 15, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): June 10, 2020 FLEXSHOPPER, INC.

May 6, 2020 EX-10.2

Amendment to Consulting Agreement, dated February 19, 2019, between the Company and XLR8 Capital Partners LLC. (previously filed as Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed on May 6, 2020 and incorporated herein by reference).

Exhibit 10.2 AMENDMENT TO CONSULTING AGREEMENT This Amendment to Consulting Agreement (“Amendment”) is made and entered into effective as of February 28, 2020 by and between FlexShopper, Inc., a Delaware corporation (the “Company”), and XLR8 Capital Partners LLC (“Consultant” and, together with the Company, the “Parties”). W I T N E S S E T H: WHEREAS, the Parties entered into the Consulting Agree

May 6, 2020 EX-10.4

Amendment to Subordinated Debt Financing Letter Agreement issued by FlexShopper, LLC to 122 Partners, LLC. (previously filed as Exhibit 10.4 to the Company’s Quarterly Report on Form 10-Q filed on May 6, 2020 and incorporated herein by reference).

Exhibit 10.4 FlexShopper, LLC 901 Yamato Road, Suite 260 Boca Raton, Florida 33431 April 30, 2020 122 Partners, LLC Attn.: Mr. Marc Malaga Managing Member Re: Amendment No. 1 to Subordinated Debt Financing Letter Agreement Ladies and Gentlemen: Reference is made to the Subordinated Debt Financing Letter Agreement between us, dated January 25, 2019 (the “Letter Agreement”), and the Subordinated Pro

May 6, 2020 EX-99.1

FlexShopper, Inc. Reports 2020 First Quarter Financial Results; Net Revenues Up 8.8% to $23.7 million; Gross Lease Originations up 20.6% to 36,153 Online Shopping Remains Active

Exhibit 99.1 FlexShopper, Inc. Reports 2020 First Quarter Financial Results; Net Revenues Up 8.8% to $23.7 million; Gross Lease Originations up 20.6% to 36,153 Online Shopping Remains Active BOCA RATON, Fla., May 6, 2020 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, today announced its

May 6, 2020 EX-10.3

Form of Commitment Letter and Promissory Note between FlexShopper, LLC and Customer Bank. (previously filed as Exhibit 10.3 to the Company’s Quarterly Report on Form 10-Q filed on May 6, 2020 and incorporated herein by reference).

Exhibit 10.3 Account #: U.S. Small Business Administration Note Paycheck Protection Program SBA Loan # 6286467103 SBA Loan Name Flexshopper LLC Date 4/30/2020 Loan Amount $ 1914100 Interest Rate 1.0 Percent Per Year Borrower Flexshopper LLC Lender Customers Bank 1. PROMISE TO PAY: In return for the Loan, Borrower promises to pay to the order of Lender the amount of $1914100 .00, interest on the un

May 6, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): May 6, 2020 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 i

May 6, 2020 10-Q

Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exac

April 29, 2020 DEF 14A

Amendment to the FlexShopper, Inc. 2018 Omnibus Equity Compensation Plan (previously filed as Appendix A to the Company’s Definitive Proxy Statement filed on April 29, 2020 and incorporated herein by reference).+

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant S Filed by a Party other than the Registrant £ Check the appropriate box: £ Preliminary Proxy Statement £ Confide

March 4, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

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): March 2, 2020 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

March 4, 2020 EX-99.1

FlexShopper, Inc. Reports 2019 Fourth Quarter and Full-Year Financial Results; Record Net Income of $0.6 million and Adjusted EBITDA of $8.3 million for FY 2019 FlexShopper Sets 2020 Guidance

Exhibit 99.1 FlexShopper, Inc. Reports 2019 Fourth Quarter and Full-Year Financial Results; Record Net Income of $0.6 million and Adjusted EBITDA of $8.3 million for FY 2019 FlexShopper Sets 2020 Guidance BOCA RATON, Fla., March 2, 2020 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, toda

March 3, 2020 EX-4.8

Description of the FlexShopper, Inc. Securities Registered under Section 12 of the Securities Exchange Act (previously filed as Exhibit 4.8 to the Company’s Annual Report on Form 10-K filed on March 3, 2020 and incorporated herein by reference)

Exhibit 4.8 FLEXSHOPPER, INC. Description of the Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 The following description is a summary of the terms of our common stock, is qualified in its entirety by reference to our Restated Certificate of Incorporation, as amended (“Certificate of Incorporation”) and Amended and Restated Bylaws (“Bylaws”), each of which is i

March 3, 2020 EX-21.1

Subsidiaries of the Company*

Exhibit 21.1 Subsidiaries of Registrant FlexShopper, LLC is a limited liability company formed under the laws of the State of Delaware in June 2013. Anchor Funding Services, LLC is a limited liability company formed originally in South Carolina in January 2003 and later reincorporated in North Carolina in August 2005. The operations of Anchor are shown as discontinued operations. FlexShopper 1, LL

March 3, 2020 10-K

FPAY / FlexShopper, Inc. 10-K - Annual Report - ANNUAL REPORT

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 12 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact name of Regist

February 14, 2020 SC TO-I/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 AMENDMENT NO. 4 FLEXSHOPPER, INC. (Name of Subject Com

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 AMENDMENT NO. 4 FLEXSHOPPER, INC. (Name of Subject Company (Issuer) and Name of Filing Person (Issuer)) Warrants exercisable for Common Stock at an exercise price of $1.25 per share (Title of Class of Sec

February 14, 2020 EX-99.A5F

Press release dated February 14, 2020.

Exhibit (a)(5)(F) FlexShopper Announces Completion of Warrant Exchange Offer; Remaining Outstanding Warrant Conversion Date Announced BOCA RATON, FLORIDA (February 14, 2020) ? FlexShopper, Inc.

February 5, 2020 SC TO-I/A

FPAY / FlexShopper, Inc. SC TO-I/A - - AMENDMENT NO.3 FORM SC TO-I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 AMENDMENT NO. 3 FLEXSHOPPER, INC. (Name of Subject Company (Issuer) and Name of Filing Person (Issuer)) Warrants exercisable for Common Stock at an exercise price of $1.25 per share (Title of Class of Sec

February 5, 2020 EX-99.A5E

Press release dated February 5, 2020.

Exhibit (a)(5)(E) FlexShopper Announces Preliminary Results of its Warrant Exchange Offer BOCA RATON, FLORIDA (February 5, 2020) — FlexShopper, Inc.

January 29, 2020 SC TO-I/A

FPAY / FlexShopper, Inc. SC TO-I/A - - AMENDMENT NO.2 FORM SC TO-I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 AMENDMENT NO. 2 FLEXSHOPPER, INC. (Name of Subject Company (Issuer) and Name of Filing Person (Issuer)) Warrants exercisable for Common Stock at an exercise price of $1.25 per share (Title of Class of Sec

January 29, 2020 EX-99.A5D

Press release dated January 28, 2020.

Exhibit (a)(5)(D) FlexShopper Reminds Warrantholders That the Offer to Exchange Public Warrants for Common Stock Will Expire on Tuesday, February 4 BOCA RATON, FLORIDA (January 28, 2020) — FlexShopper, Inc.

January 15, 2020 CORRESP

FPAY / FlexShopper, Inc. CORRESP - -

January 15, 2020 VIA EDGAR AND ELECTRONIC MAIL U.S. Securities and Exchange Commission Division of Corporation Finance Mail Stop 3628 100 F Street, N.E. Washington, D.C. 20549 Attn.: Christina Chalk, Esq. Senior Special Counsel Office of Mergers and Acquisitions Re: FlexShopper, Inc. Schedule TO-I filed on January 6, 2020 File No. 005-83480 Ladies and Gentlemen: We refer to your letter dated Janua

January 15, 2020 SC TO-I/A

FPAY / FlexShopper, Inc. SC TO-I/A - - AMENDMENT TO ISSUER TENDER OFFER STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 AMENDMENT NO. 1 FLEXSHOPPER, INC. (Name of Subject Company (Issuer) and Name of Filing Person (Issuer)) Warrants exercisable for Common Stock at an exercise price of $1.25 per share (Title of Class of Sec

January 6, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): January 1, 2020 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employer

January 6, 2020 EX-99.A1B

Letter of Transmittal (including Guidelines of the Internal Revenue Service for Certification of Taxpayer Identification Number on Substitute Form W-9).

Exhibit (a)(1)(B) LETTER OF TRANSMITTAL FOR THE OFFER TO EXCHANGE BY FLEXSHOPPER, INC.

January 6, 2020 EX-99.A1A

Offer to Exchange Letter dated January 6, 2020.

Exhibit (a)(1)(A) OFFER TO EXCHANGE SHARES OF COMMON STOCK FOR ANY AND ALL OUTSTANDING PUBLIC WARRANTS OF FLEXSHOPPER, INC.

January 6, 2020 EX-99.A5C

Press release dated January 6, 2020.

Exhibit (a)(5)(C) FlexShopper Commences Offer to Exchange Common Stock for any and all Outstanding Public Warrants BOCA RATON, FLORIDA (January 6, 2020) — FlexShopper, Inc.

January 6, 2020 EX-99.A1E

Form of letter to be used by brokers, dealers, commercial banks, trust companies and other nominees for their clients.

Exhibit (a)(1)(E) OFFER TO EXCHANGE BY FLEXSHOPPER, INC. ANY AND ALL OUTSTANDING PUBLIC WARRANTS FOR SHARES OF ITS COMMON STOCK AT AN EXCHANGE RATE OF 0.62 SHARES OF COMMON STOCK FOR EACH PUBLIC WARRANT THE OFFER PERIOD AND WITHDRAWAL RIGHTS WILL EXPIRE AT 5:00 P.M., EASTERN TIME, ON FEBRUARY 4, 2020, UNLESS THE OFFER PERIOD IS EXTENDED. January 6, 2020 To Our Clients: Enclosed for your considerat

January 6, 2020 EX-10.1

Employment Agreement, dated January 1, 2020, by and between the Company and Harold Russell Heiser, Jr. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed January 6, 2020 and incorporated herein by reference)

EX-10.1 2 f8k010120ex10-1flexshop.htm EMPLOYMENT AGREEMENT, DATED JANUARY 1, 2020, BETWEEN FLEXSHOPPER, INC. AND HAROLD RUSSELL HEISER, JR. Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (“Agreement”) is made and entered into effective as of the Commencement Date by and between FlexShopper, Inc., a Delaware corporation (the “Company”), and Rus

January 6, 2020 EX-99.A1C

Form of Notice of Guaranteed Delivery.

Exhibit (a)(1)(C) NOTICE OF GUARANTEED DELIVERY OF PUBLIC WARRANTS OF FLEXSHOPPER, INC.

January 6, 2020 SC TO-I

FPAY / FlexShopper, Inc. SC TO-I - - ISSUER TENDER OFFER STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO (Rule 14d-100) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 FLEXSHOPPER, INC. (Name of Subject Company (Issuer) and Name of Filing Person (Issuer)) Warrants exercisable for Common Stock at an exercise price of $1.25 per share (Title of Class of Securities) 33939J1

January 6, 2020 EX-99.A1D

Form of letter to brokers, dealers, commercial banks, trust companies and other nominees.

Exhibit (a)(1)(D) OFFER TO EXCHANGE BY FLEXSHOPPER, INC. ANY AND ALL OUTSTANDING PUBLIC WARRANTS FOR SHARES OF ITS COMMON STOCK AT AN EXCHANGE RATE OF 0.62 SHARES OF COMMON STOCK FOR EACH PUBLIC WARRANT THE OFFER PERIOD AND WITHDRAWAL RIGHTS WILL EXPIRE AT 5:00 P.M., EASTERN TIME, ON FEBRUARY 4, 2020, UNLESS THE OFFER PERIOD IS EXTENDED. January 6, 2020 To Brokers, Dealers, Commercial Banks, Trust

December 30, 2019 EX-4.1

Amendment No. 1 to Warrant Agent Agreement, dated as of December 30, 2019, between FlexShopper, Inc. and Continental Stock Transfer & Trust Company (previously filed as Exhibit 4.1 to the Company’s Current Report on Form 8-K filed on December 30, 2019 and incorporated herein by reference)

Exhibit 4.1 AMENDMENT NO. 1 TO WARRANT AGENT AGREEMENT THIS AMENDMENT (this “Amendment”) is made as of December 30, 2019, by and between FlexShopper, Inc., a Delaware corporation (the “Company”), and Continental Stock Transfer & Trust Company, as warrant agent for the Company (the “Warrant Agent”), and constitutes an amendment to that certain Warrant Agent Agreement, dated as of September 25, 2018

December 30, 2019 EX-10.1

Form of Warrant Amendment and Exchange Agreement, dated as of December 30, 2019, amount FlexShopper, Inc. and the Holders signatory thereto (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed December 30, 2019 and incorporated herein by reference)

Exhibit 10.1 WARRANT AMENDMENT AND EXCHANGE AGREEMENT THIS WARRANT AMENDMENT AND EXCHANGE AGREEMENT (this “Agreement”), dated as of December 30, 2019, is by and between FlexShopper, Inc., a Delaware corporation (the “Company”), and the holder named on the signature page hereto (the “Holder”). WHEREAS, the Holder is the record and beneficial owner of Warrants to purchase shares of the Company’s com

December 30, 2019 8-K

Entry into a Material Definitive Agreement, Material Modification to Rights of Security Holders, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

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): December 30, 2019 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employe

November 4, 2019 10-Q

The Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 (incorporated herein by reference to the Company’s filing with the SEC on November 4, 2019).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (

September 23, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

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): September 20, 2019 FlexShopper, Inc. (Exact Name of Registrant as Specified in Charter) Delaware 001-37945 20-5456087 (State or other jurisdiction (Commission File Number) (IRS Employ

September 23, 2019 EX-10.1

Employment Agreement, dated September 20, 2019, between FlexShopper, Inc. and Richard House, Jr. (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed September 23, 2019 and incorporated herein by reference)

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (“Agreement”) is made and entered into effective as of the Commencement Date by and between FlexShopper, Inc., a Delaware corporation (the “Company”), and Richard House, Jr. (hereinafter, the “Executive”). WITNESSETH: WHEREAS, the Executive is willing to make his services available to the Company and its subsidiaries on the terms and cond

September 23, 2019 EX-99.1

BOCA RATON, Fla., September 23, 2019 (GLOBE NEWSWIRE) -- FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper” or the “Company”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, today announced the appointment of

Exhibit 99.1 BOCA RATON, Fla., September 23, 2019 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY) (“FlexShopper” or the “Company”), a leading national online lease-to-own (“LTO”) retailer and LTO payment solution provider, today announced the appointment of Richard House Jr. as Chief Executive Officer, effective October 7, 2019. Current CEO and Company founder Brad Bernstein will assume the po

September 6, 2019 SC 13G/A

ATNM / Actinium Pharmaceuticals, Inc. / Bigger Capital Fund L P - AMENDMENT NO. 1 TO THE SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1)1 FlexShopper, Inc. (Name of Issuer) Common Stock, par value $0.00001 per share (Title of Class of Securities) 00507W107 (CUSIP Number) Augu

August 12, 2019 10-Q

FPAY / FlexShopper, Inc. 10-Q - Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-37945 FlexShopper, Inc. (Exact

July 5, 2019 EX-99.1

FlexShopper, Inc. Regains Nasdaq Listing Compliance

Exhibit 99.1 FlexShopper, Inc. Regains Nasdaq Listing Compliance BOCA RATON, FL, July 2, 2019 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq: FPAY), a leading national online lease-to-own (“LTO”) retailer and omnichannel LTO payment solution provider, today announced it has regained compliance with the minimum $1.00 per share bid price requirement for continued listing, and further, that the Company

July 5, 2019 8-K

Other Events, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 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) July 2, 2019 FlexShopper, Inc.

June 28, 2019 EX-10.1

Form of Amended and Restated Subordinated Promissory Note issued by FlexShopper, LLC to NRNS Capital Holdings LLC (previously filed as Exhibit 10.1 to the Company’s Current Report on Form 8-K filed June 28, 2019 and incorporated herein by reference)

EX-10.1 2 f8k062719ex10-1flexshop.htm FORMOF AMENDED AND RESTATED SUBORDINATED PROMISSORY NOTE ISSUED BY FLEXSHOPPER, LLC TO NRNS CAPITAL HOLDINGS LLC. Exhibit 10.1 THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED. IT MAY NOT BE SOLD, OFFERED FOR SALE, PLEDGED, HYPOTHECATED, OR OTHERWISE TRANSFERRED EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE SECU

June 28, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 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) June 27, 2019 FlexShopper, Inc.

May 21, 2019 8-K

Other Events, Financial Statements and Exhibits

8-K 1 f8k052119flexshopperinc.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 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) May 21, 2019 FlexShopper, Inc. (Exact name of registrant as specified in its charter) Delaware 001-37945 20-5456087 (State or other juris

May 21, 2019 EX-99.1

FlexShopper, Inc. Receives Extension for Nasdaq Listing Compliance

Exhibit 99.1 FlexShopper, Inc. Receives Extension for Nasdaq Listing Compliance BOCA RATON, Fla., May 21, 2019 (GLOBE NEWSWIRE) - FlexShopper, Inc. (Nasdaq:FPAY) (“FlexShopper” or the “Company”), a leading national online lease-to-own (“LTO”) retailer and omnichannel LTO payment solution provider, today announced that The Nasdaq Stock Market (“Nasdaq”) has determined that the Company is eligible f

May 7, 2019 EX-24.2

Power of Attorney

Exhibit 24.2 POWER OF ATTORNEY Each person whose signature appears below constitutes and appoints Brad Bernstein and Russ Heiser and each of them, his true and lawful attorney-in-fact and agent, each with full power of substitution and resubstitution, severally, for him and in his name, place and stead, in any and all capacities, to sign the Registration Statement of FlexShopper, Inc. (File No. 33

May 7, 2019 POS AM

FPAY / FlexShopper, Inc. POS AM POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT

POS AM 1 posam2019a1flexshopper.htm POST-EFFECTIVE AMENDMENT NO. 1 TO REGISTRATION STATEMENT As filed with the Securities and Exchange Commission on May 7, 2019 Registration No. 333-226823 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-1 ON FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 FLEXSHOPPER, INC. (Exact nam

May 7, 2019 EX-10.5

Non-Employee Director Compensation Policy*+

EX-10.5 2 f10q0319ex10-5flexshopper.htm NON-EMPLOYEE DIRECTOR COMPENSATION POLICY Exhibit 10.5 FlexShopper, Inc. Non-Employee Director Compensation Policy Members of the Board of Directors (the “Board”) of FlexShopper, Inc. (the “Company”) who are not employees of the Company or any subsidiary of the Company and have not been appointed to the Board in connection with an Investor Rights Agreement (

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