Run your business, not your books
For platforms and operators who don't want a finance department. Fynex connects your bank, accounting and operations tools, then runs the finance work between them — invoicing, matching payments to what you're owed, preparing who to pay next, and keeping your cash position live.
Your finance work lives in five places at once
The bank shows one balance. The payment provider shows another. The accounting software is three weeks behind. Nobody has one number for what you actually have, what's coming in, and who you owe — so the finance work becomes someone's Friday: exporting statements, chasing invoices, guessing at margin until the books finally close.
By the time the spreadsheet catches up, the decision that mattered — which invoice to chase, which contractor to pay first, which job lost money — already happened.
Finance work that runs itself
Most finance tools report on money after it has moved. Fynex's agents do the work — they read your systems, work out what needs to happen next, and do it. That's what we mean by agentic finance.
Unconflicted by design
We don't own the payment rails, so every movement is routed by what it costs you, not by what pays us. That difference stays in your margin.
One connected picture
Bank, accounting, payment providers and the tools you run the work in, read into one place — instead of a number that only exists once someone rebuilds the spreadsheet.
It does the work, not the summary
Agents chase the invoice, match the payment to what you're owed, and prepare the next run. You approve anything that moves money.
Regulated, not just software
An FCA-authorised e-money institution with client funds safeguarded, built to UK, US and EU rules. We hold the licence, so we can hold the funds.
The systems your money already runs through
Fynex doesn't ask you to move off the tools you run the business in. It connects to them, does the finance work between them, and writes the result back.
Accounting stack
13Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.
Banks & business accounts
18We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.
Invoicing & contracts
9The contract sets the terms; we hold you to them — discounts, retention, caps, all applied before money moves.
Payroll & contractors
12Everyone you owe who isn't a supplier — crew, contractors, freelancers, in whatever currency they bank in.
Spend & expenses
8Cards, receipts and subscriptions on the cost side of the same ledger.
Spreadsheets & docs
6The spreadsheet you rebuild every month — we fill it, or replace it. Your call.
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA, bank transfer and open banking — through the provider you run today or through us.
Four jobs you do by hand. Fynex runs them for you
Your finance work runs itself
Invoicing, tax, and reconciliation happen on their own, not on your people's time.
Pay any contractor, automatically
Pay creators, crew and contractors by rule — in dollars, pounds or any currency they bank in.
See the numbers you could never see
Profit by job and channel, runway and burn, live on one screen.
Switch the business on
Built-in KYC, KYB, and Merchant of Record clear the compliance that blocks your launch.
Your whole finance picture, in one live view
Every payment, payout, and number, in real time. Ask a question, get a straight answer.
Agents that run the whole money chain, not just the payment
Before a payment goes out, Fynex checks the work was delivered, applies the terms you agreed, works out each party's share, and pays. Then it closes your books behind it. You approve anything that moves money.
Verify before you pay
Agents confirm the work was delivered before a payout is prepared. Accountability, not chasing.
Capture every term
Discounts, retention, rate cards and caps, pulled before money moves. You stop leaving money on the table.
Split the revenue
Your share and your contractors', routed by rule. No spreadsheets, no manual math.
Pay, around the clock
Compliant payouts in dollars, pounds or any currency, executed and settled 24/7 — no days off.
Know what every job and every contractor actually makes
Live margin by job, channel, and contractor, after every payout, fee, and cost. Spot a job losing money while you can still do something about it.
One platform. Built for your model
Pick what you run. We'll show you the finance work Fynex agents run for it.
Split payments, seller onboarding and payouts — Fynex for marketplaces. We're your Merchant of Record and hold the funds, so you launch without becoming a payments company. KYC, splits and payouts, handled.
Explore →Multi-currency accounts, invoicing and contractor payouts — Fynex for SaaS companies. Agents run your billing, reconciliation and global payouts, so your finance runs on autopilot while you ship.
Explore →Invoices, job costs and crew pay — Fynex for home-services companies. It tracks which customers have actually paid, shows real margin on every job, and works out what your crew, PM and salesperson are owed, so nobody rebuilds a spreadsheet on a Sunday.
Explore →Project margin, freelancer payouts and retainer billing — Fynex for digital agencies. Agents bill your retainers, pay your freelancers and show margin per project, so you run the agency, not the books.
Explore →Payment links, auto-reconciliation and partner payouts — Fynex for professional firms. Collect with no-code links, reconcile automatically, and run renewals and partner payouts, without the manual close.
Explore →Property, construction, logistics, healthcare staffing and distribution — Fynex for businesses that run on contractors and subcontractors. Agents collect, allocate, pay the network and reconcile to the job.
Explore →The stack you've stitched together, or one platform
Other tools solve one piece of this. Fynex runs the whole chain, on one platform.
Find what you're leaking, for free
Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.
The trust layer most software can't offer
We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence.
FCA-authorised EMI
An e-money institution via Fondy. We can hold and move your funds.
PCI DSS Level 1
The highest card-data security standard, on by default.
Audit logs
Every movement traceable and ready for review.
Built-in KYC / KYB
The switch that turns the business on.