From sign-up to redemption, here's your complete guide to earning rewards while supporting small businesses. It's simpler than you think.
Sign up for the $9.99/mo membership to unlock access to the platform. This gives you a digital wallet, commitment dashboard, and full access to both Program A (short-term) and Program B (long-term).
One-time setupAdd money to your FloorPlan wallet with a minimum deposit of $50. Your funds stay in your wallet until you commit them to a program. You can add more anytime to increase your earning potential.
Flexible depositsProgram A (Short-Term): 30, 90, 180, or 365 days. Faster unlock, moderate rates.
Program B (Long-Term): 1, 3, or 5 years. Higher rates, maximum rewards.
You can participate in both programs simultaneously.
Select your term length, commitment amount, and up to 3 business categories you want to support (e.g., Restaurants, Retail, Manufacturing). Your money goes to work funding real businesses in your chosen categories.
Starts earning instantlyFrom day one, points accrue every single day based on your commitment amount, term length, and tier level. Watch your balance grow in real-time from your wallet dashboard. Points lock until your commitment reaches maturity.
Automatic accrualGrow through 4 tiers (Bronze → Silver → Gold → Platinum) by increasing your total deposits and referring friends. Higher tiers unlock better point rates, exclusive perks, priority support, and bonus rewards.
Unlock better ratesWhen your commitment matures, your points unlock. Redeem them in the Rewards Store where 100 points = $1.00. Choose from curated products or request new items to be added to the catalog.
Real products, real valueShare your unique referral link with friends. When they join and make their first commitment, both you and your referral earn bonus points. More referrals = faster tier progression = better rates.
Grow togetherQuick commitments with faster unlock. Perfect for flexibility and frequent redemptions.
| Term Length | Base Rate (Bronze) | Unlock Time | Best For |
|---|---|---|---|
| 30 Days Select → | 1% | 1 month | Testing the platform |
| 90 Days Select → | 3% | 3 months | Short-term commitments |
| 180 Days Select → | 6% | 6 months | Moderate flexibility |
| 365 Days Select → | 12% | 1 year | Balanced rewards |
Maximum rates for extended commitments. For members who want the best rewards.
| Term Length | Base Rate (Bronze) | Unlock Time | Best For |
|---|---|---|---|
| 1 Year Select → | 12% | 12 months | Strong commitment |
| 3 Years Select → | 18% | 36 months | Long-term planning |
| 5 Years Select → | 24% | 60 months | Maximum rewards |
Starting tier for all new members
$500+ total deposits OR 3+ referrals
$2,000+ total deposits OR 10+ referrals
$10,000+ total deposits OR 25+ referrals
Yes. Your funds are held in a secure ledger system and are used to fund verified businesses. FloorPlan Rewards operates as a two-sided marketplace where members commit funds to businesses in exchange for loyalty rewards (points). Your principal is returned at maturity. However, this is NOT an investment product or bank account — it's a rewards program. Points are loyalty rewards, not interest or investment returns.
Points accrue daily from the moment you commit funds. However, they remain locked until your commitment reaches maturity. This ensures the full term is completed. Once your commitment matures, all accumulated points unlock instantly and become available for redemption in the Rewards Store.
Yes, but early withdrawals come with penalties. If you need to withdraw before maturity, you'll forfeit 10% of your cash principal and lose locked points based on your tier (Bronze: lose all points, Silver: keep 25%, Gold: keep 50%, Platinum: keep 75%). Members who complete their commitments receive 100% cash back + all points with ZERO penalties. We strongly encourage completing your full term to maximize your rewards and support the businesses you committed to.
Every member gets a unique referral link in their dashboard. Share it with friends, family, or on social media. When someone signs up using your link AND makes their first commitment, both you and your referral receive bonus points (typically 500-1,000 points depending on commitment size). Referrals also count toward tier progression.
The Rewards Store is our partner redemption platform where you can exchange your points for real products from our network of partners. 100 points = $1.00 in store credit. The catalog includes electronics, home goods, lifestyle products, and partner coupons. Don't see what you want? Submit a request and we'll work to add it to the catalog.
Absolutely! You can have multiple active commitments across both Program A and Program B simultaneously. For example, you could commit $500 to a 90-day Program A term while also committing $1,000 to a 3-year Program B term. Each commitment accrues points independently based on its term and rate.
When creating a commitment, you select up to 3 business categories (e.g., Restaurants, Retail, Health & Wellness, Manufacturing, Tech Startups). Your funds are allocated to verified businesses within those categories. You don't pick individual businesses — FloorPlan's algorithm matches your commitment to businesses that need funding in your chosen categories.
FloorPlan Rewards operates a pooled ledger system, meaning your commitment is not tied to any single business. If a business defaults, your principal and point accrual are protected by the pool. This is why we verify all businesses before accepting them onto the platform and diversify member funds across multiple businesses in each category.
Join FloorPlan Rewards today and start earning daily points while supporting the businesses that matter.
Get Early Access →