Reduce delinquencies & delight customers with Flex
Empower your customers to split monthly utility payments into two installments—while you get paid upfront and on time, every time.
Flex pays $12B in customer bills annually
63%
of customers are interested in paying utilities on a flexible schedule
$0
4.8
Guaranteed on-time payments
- Lower delinquencies: prevent costly disconnections and reduce financial risk.
- Boost operational efficiency: save staff time and effort with automated, reliable payment collection.
- Zero cost to your business: absolutely no fees or operational costs for providers.
Put bill collection on autopilot
Empower greater cash flow management
Flex pays monthly utility payment on behalf of customer
Users pay their bill to Flex in two payments
Flex pays monthly utility payment on behalf of customer
Users pay their bill to Flex in two payments
What your customers get
- Flexible budgeting: split payments align with payday schedules for easier budgeting.
- Financial control: no long-term contracts, late fees, or penalties.
- Peace of mind: predictable, manageable payments each month.
Why now?
Utility costs are at an all-time high
Utility costs for the average American have risen by 28.5% since 2020.
Costs will continue to rise
According to the U.S. Energy Information Administration, retail electricity prices will increase across all customer segments in 2025.
Americans are struggling to keep up
U.S. households collectively owe $20 billion in delinquent energy bills. This is 67% higher than pre-pandemic levels (National Energy Assistance Directors’ Association).
Flex reduces delinquency by enabling simple & affordable payment flexibility
Flex can help. Let’s keep the lights on, together.
Flexible Finance, Inc. (“Flex”) is a financial technology company, not a bank. All lines of credit, banking services, and payment transmissions are offered by our Partner Bank. An application and credit assessment are required for approval. Unsecured lines of credit are provided for a recurring monthly membership fee of $14.99 at 0% APR. Memberships automatically renew until canceled. Other third party fees may apply. Terms and conditions apply. All loan proceeds are disbursed by our Partner Bank; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds.
