Bill the draw, pay the chain, see the margin
Collect progress billings, pay the subcontractor and supplier chain with retention and lien waivers handled, and see true margin per project — without becoming a payments company.
Construction money is staged, retained and split — and your software just records it
Money on a job moves in stages: progress billings in, draws released, subcontractors and suppliers paid, retention held back, lien waivers exchanged. Procore and Sage hold the schedule and the ledger, but they don't move the money, hold the retention or pay the chain — so you run draws through a bank portal, chase waivers by email, and find out a job's real margin long after you could have acted on it.
A construction platform is the orchestrator; the general contractor, the electrical and HVAC subs, the equipment rental and the suppliers underneath it are each their own business that needs the same thing — paid on time, retention tracked, and margin they can see per job. Land the platform, then serve the trades working on it.
Every building block of the construction money layer
Progress billing, subcontractor payouts, retention and more — each with its own guide.
See where the draw goes
One progress draw comes in. Fynex pays the subs and suppliers, holds retention and books the margin, in real time.
From the draw to the margin, handled
Progress billing, the trade chain, retention and waivers — the money side of every job, run for you.
Bill progress, collect the draw
Issue progress billings and collect draws by card, wallet or bank, reconciled to the job the moment they land — not run through a bank portal by hand.
Pay the chain, hold retention
Electrical, HVAC, equipment rental and suppliers paid in one multi-party run, with retention held back and released by rule — the trades paid like one payroll.
Lien waivers, tied to the payout
Conditional and unconditional waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money instead of chasing it by email.
See true margin per project
Every draw, payout and supplier cost posts against the job, so true margin per project is a live number as costs land — not a surprise at close-out.
The bank portal and the spreadsheet, or one run
What Procore or Sage plus a bank portal leaves to your team, and what Fynex does with it.
What else comes with it
Beyond the headline jobs, every account gets the whole platform behind it.
Progress & retention billing
Bill by stage and hold retention by rule, released on completion.
Lien waiver exchange
Conditional and unconditional waivers tied to each payout.
Multi-party subcontractor payouts
Pay the whole trade chain in one run, any rail.
Job-cost margin
True profit per project as costs land, not at close-out.
No-code payment links
Collect a deposit or draw by link, with no developer.
Procore, Sage & API
Connect the construction software you run, with one API.
Connects to the tools your money moves through
Your bank, your accounting system and the tools you run the work in. Fynex reads 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.
Job management
15The job is where your profit is decided. We read it, then pay the crew against it.
Construction & projects
10Draws, subs, retention and change orders — read from the system your PMs already live in.
Lead sources & marketing
10Where the jobs come from and what each channel costs — so every won job is attributed back to the ad that bought it, and ROAS stops being a spreadsheet.
Phone & customer comms
8Calls matched to the lead that triggered them — speed-to-lead becomes a number you can see, not a guess.
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.
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.