For construction platforms & contractors

The money layer for construction

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.

Get in touch
Free to start. No contract. We'll show you what your finance stack is costing you.
Pay every sub on this draw, hold retention.
Daniel Kerr
Daniel Kerr
Project Controller
What's my true margin on job #4821?
Tomas Rivera
Tomas Rivera
Owner
Tie the lien waiver to the payout.
Sam Carter
Sam Carter
Finance Lead
Collect the progress draw without the bank portal.
Priya Shah
Priya Shah
Operations Manager
Pay every sub on this draw, hold retention.
Daniel Kerr
Daniel Kerr
Project Controller
What's my true margin on job #4821?
Tomas Rivera
Tomas Rivera
Owner
Tie the lien waiver to the payout.
Sam Carter
Sam Carter
Finance Lead
Collect the progress draw without the bank portal.
Priya Shah
Priya Shah
Operations Manager
The problem

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.

Job #4821 · this draw
Progress billing
$186,000
Subcontractors paid
$121,400
Retention held (5%)
$9,300
Suppliers paid
$38,700
Go deeper

Every building block of the construction money layer

Progress billing, subcontractor payouts, retention and more — each with its own guide.

What Fynex runs

The jobs, handled

The work you do by hand today. Fynex runs it for you.

Staged billing

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.

Job #4821 · $620,000 contract62% billed
Billed to date
$384,400
This draw
$186,000
Whole chain

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.

Subcontractor payouts
Voltmark Electrical IncACH · retention 5%
$42,800
Meridian HVAC IncACH · retention 5%
$31,200
Apex Equipment Rental IncACH · today
$18,400
Waivers handled

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.

Waivers · Job #4821
Voltmark · unconditional
Signed
Meridian · conditional
Signed
Outstanding
0
Profit per job

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.

Job #4821 net margin▴ +1.4pt
18.2%
vs 16.8% bid · 12 active jobs
How we compare

The finance work that's eating your week

Other tools solve part of it. Fynex solves all of it, on one platform.

The problem
Other platforms
!Bill progress and collect draws
The PMS records the invoice; you run the draw through a bank portal by hand.
Progress billing collected and reconciled to the job automatically.
!Pay subs and suppliers with retention
A transfer per party, retention tracked in a spreadsheet.
One payout run to the whole chain, retention held and released by rule.
!Handle lien waivers
Chased by email, matched by hand.
Waivers exchanged and tied to the payout that clears them.
!Carry the payment & tax risk
Risk and compliance stay on the platform, no Merchant of Record.
We're Merchant of Record on our FCA-authorised EMI.
!See true margin per project
Known at close-out, not while you can act.
True profit per job in real time, as costs land.
How a draw splits

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.

CustomerDraw of $186,000Subcontractors$121,400paid outSuppliers$38,700paid outRetention$9,300held 5%
Everything you get

The full finance stack, in one place

Beyond the headline jobs, every page ships with 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.

One platform, not a dozen

Connects to the stack you already run

Cards and wallets in, payouts out, your accounting and tools in sync.

Revolut
Revolut
Wise
Wise
Mercury
Mercury
Bank of America
Bank of America
Apple Pay
Google Pay
Visa
Mastercard

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.

One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.
Get in touch
Compliance, handled

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.

Licence
E-money institution
FCA
Client funds
Safeguarded

PCI DSS Level 1

The highest card-data security standard, on by default.

Card data
PCI DSS
Level 1
Encryption
On by default

Audit logs

Every movement traceable and ready for review.

Activity
Payout · $23,84714:02:11
Logged
Split · ORD-2024-00114:02:09
Logged

Built-in KYC / KYB

The switch that turns the business on.

Verification
KYB · Northwind Labs Inc
Approved
KYC · J. Whitfield
Approved
FAQ

Questions, answered

Fynex is the money layer underneath your construction software. It collects progress billings and draws, pays your subcontractors, equipment rental and suppliers in one multi-party run, holds and releases retention by rule, ties lien waivers to the payouts that clear them, and shows true margin per job as costs land. Procore or Sage keep the schedule and records; Fynex moves and splits the money, and carries the risk as Merchant of Record.
Retention is held back automatically as each subcontractor is paid — say 5% per draw — tracked per job and per party, and released by rule on completion. You stop tracking retention in a spreadsheet and stop releasing it by hand, and both sides can see exactly what's held and when it clears.
Yes. Conditional and unconditional lien waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money instead of being chased by email. When a payout runs, its waiver is on the record against the same job.
Yes. Every draw, subcontractor payout and supplier cost posts against the job, so true margin per project is a live number as costs land — not something you reconstruct at close-out. You see which jobs and which crews actually make money while you can still act on it.
Yes — that's the point. A construction platform lands the general contractor, and the electrical, HVAC, equipment-rental and supplier businesses underneath it each need the same thing: paid on time, retention tracked, and margin per job. The same money layer serves the whole chain, which is how you expand from the platform to the trades on it.
Yes. On our FCA-authorised EMI licence, Fynex acts as Merchant of Record — the payment and cross-border tax risk sits with us instead of your platform, so you move money across the job without becoming a payments company or a tax entity in every market.
You can test the full flow — progress billing, multi-party subcontractor payouts, retention and reconciliation — in a sandbox before going live. Pricing is agreed per case, including performance-share models, so terms fit your project volumes. Start with a free diagnostic of what your current draw-and-payout process is costing you.
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.

Run the build. We'll run the money underneath it

Get in touch
Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.

The AI finance layer for platforms and operators. It runs the money chain and keeps more of it in your business. One platform instead of a dozen.

Company
© 2026 Fynex
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