Flex for broadband

Win more subscribers and hold onto them with flexible payments

Flex lets customers split their monthly payments to stay connected, while providers get paid upfront and on time, every month.

Providers are losing subscribers to better perks

As more households gain access to multiple providers, price and speed are no longer enough to retain subscribers, making customer experience a primary driver of switching. Flexible payments help providers stand out and stay ahead, while giving customers more control over how they pay.

Competition is driving prices down

Broadband prices are down 43.1% over the past decade, and nearly two thirds of U.S. households now have access to at least two fixed broadband services, increasing pressure on retention.

Customer experience drives loyalty

Nearly one third of households are considering switching providers due to poor experience, highlighting how a better end-to-end experience, including how customers pay their bills, is key to winning subscribers and keeping them longer.

Why providers choose Flex

Win more subscribers at the point of decision

58% of shoppers cite flexible payment options as a primary reason to switch providers. Flex is a differentiated offer that converts comparison shoppers and wins jump-ball situations at the point of sale.

Get paid in full, on time—at no cost to providers*

Receive the full payment when it's due. Flex handles the split on the customer side, reducing financial risk and zero operational burden to the provider's business.

Improve retention by reducing payment friction

Flex helps customers stay on track with monthly payments so they don't fall behind. This improves retention, creates a smoother payment experience, and keeps subscribers satisfied and active for longer.

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*Some providers opt to pay for Flex for their customers

$25B in customer bills annually

75%

of customers desire flexible payment options to better manage monthly cash flow

92%

of users attributed Flex to positive long term financial health

77%

of users attributed Flex to a significant improvement in their ability to manage finances and pay bills

January 2026 Broadband Connectivity Payment Survey

Member of top trade associations

How Flex works: A win-win for providers and customers

For the provider

With Flex, payment is made in full, when it’s due. Get up and running fast, with zero technical lift.

For the customer

Approved customers make two payments to Flex: the 1st when the bill is due and the 2nd later in the month.

Give customers the flexibility, control, and peace of mind that their essential connectivity services remain active

Secure upfront, on-time payments with Flex

Frequently asked questions

Do you offer pilots?

Yes. We recommend starting with a pilot to validate performance and measure impact before scaling.

How much does Flex cost?

There is no cost to the provider, though some providers choose to pay for Flex for their customers. Customers who use Flex pay a small percentage of their monthly bill for the service if the provider does not cover it.

How much integration and marketing work is required?

Flex handles the heavy lifting to ensure a smooth rollout. We offer lightweight integrations to get started quickly, and our team leads marketing, communications, and ongoing optimization.

How does Flex benefit our customers long term?

Flex helps customers stay current with more manageable payments, reducing missed bills and late fees over time. By staying on track, customers build stronger payment habits, maintain better financial standing, and avoid the stress and costs associated with falling behind.

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Partner privacy notice

California, Minnesota, and Oregon Privacy Requests

Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, lines of credit (including "Flex Rent"), banking services, and payment transmissions are offered by Lead Bank or Column N.A., Member FDIC. An application and credit assessment are required. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99; membership automatically renews until canceled. A bill payment fee of 1% of your total rent amount is also charged (an additional 2.5% processing fee applies when using a credit card). Term loans for Flex Move-in are provided at 16.95%-23.84% annual percentage rate (APR) based on state of residence, loan duration, and other relevant factors. A bill payment fee of 1% of your initial payment amount is also charged. Term loans are currently only available to eligible customers in certain states. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank or Column N.A., Member FDIC; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds. Brokering activities are performed by Flexible Finance Brokering, Inc. Servicing and collection activities are performed by Flexible Finance Servicing, Inc.

Licenses 
Flexible Finance Brokering, Inc., Nationwide Multistate Licensing System (“NMLS”) ID #2599800
Flexible Finance Servicing, Inc., NMLS ID #2256673
Flexible Finance Payments, LLC (2713261)
Please refer to NMLS Consumer Access for information on our licenses
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Vermont Residents: THIS IS A LOAN SOLICITATION ONLY. FLEXIBLE FINANCE BROKERING, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

All product names, logos, brands, and trademarks are the property of their respective owners. Use of these names, logos, and brands does not imply endorsement.