Settle every carrier before the shipper pays you
Collect from shippers, settle carriers in one run with quick-pay or factoring built in, cover fuel and accessorials, and reconcile every dollar to the load — without becoming a payments company.
Freight money is fast, fragmented and financed — and your TMS doesn't move it
A load bills the shipper, settles the carrier, covers fuel and accessorials, and often needs the carrier paid before the shipper does — which is why factoring exists. Your TMS plans the route and rates the load, but it doesn't move the money, front the carrier or reconcile per load — so you run carrier settlements through a bank file, hand factoring to a third party that takes a cut, and reconcile loads by hand.
A freight platform is the orchestrator; the carriers, warehouses, drivers and fuel suppliers underneath it are each their own business that needs the same thing — paid fast, financed when cash is tight, and reconciled per load. Land the platform, then serve the carriers hauling on it.
Every building block of the freight money layer
Carrier settlement, quick-pay, per-load reconciliation and more — each with its own guide.
See where the freight money goes
One shipper pays for a load. Fynex settles the carrier, advances quick-pay, covers fuel and books the margin, in real time.
Every load billed, settled and reconciled
Shipper billing, carrier settlement, quick-pay and the per-load tie-out — run for you, every run.
Bill shippers, collect the freight
Invoice shippers and collect by card, ACH or bank, reconciled to the load the moment it lands — not matched in a spreadsheet at month-end.
Settle carriers, quick-pay built in
Settle every carrier in one run, with quick-pay or factoring on the same rail — pay the carrier before the shipper pays you, without handing margin to a third-party factor.
Reconcile every load
Linehaul, fuel, accessorials and carrier settlement all post against the load, so what a load made — and what it cost — ties out automatically instead of through a spreadsheet.
See margin and cash across the network
Margin per load and a rolling cash forecast across every carrier, lane and advance — the numbers that normally live in the TMS, the bank file and the factor's portal, in one place.
TMS + bank file + factor, or one settlement
What the three-tool freight stack 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.
Carrier quick-pay
Pay carriers before the shipper pays, on the same settlement.
Built-in factoring
Advance against a load without a third-party factor.
Multi-carrier settlement
Settle every carrier in one run, any rail.
Per-load reconciliation
Linehaul, fuel and accessorials tied to the load.
Network cash forecast
A rolling forecast across carriers, lanes and advances.
TMS & API
Connect the transportation system 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.
Transport & fleet
8Loads, carriers and fuel — settled per load, with margin you can see before the shipper pays.
Inventory & supply chain
9Purchase orders, stock and landed cost — matched to the supplier invoice before it's paid.
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.
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.