Furniture.com and Flex Pay are trying to connect the pieces without turning participating retailers into anonymous suppliers. That disconnect is what Furniture.com Co-Founder and General Manager Dan Russotto and Flex Pay President Tom Botts have set out to address. Flex Pay, a unit of Upgrade, is providing financing that can cover qualifying purchases from several of those retailers with one loan. Botts said Flex Pay handles larger transactions and offers loans through some retail partners as high as $100,000. Flex Pay uses a virtual card that can support charges from multiple merchants of record.