Stop leaking working capital
Bill-pay tools just pay your bills. Fynex tells you which to pay early to capture the supplier discount, which to safely delay, and what each early payment actually returns — always aware of your cash floor.
Your bill-pay tool is leaving money on the table
A 2% discount for paying ten days early is a 36% annualized return — and most teams miss it because no one reads the terms on every invoice. So you either pay everything on receipt and drain cash you needed, or pay everything late and eat the fees. Either way, working capital leaks.
Fynex reads every supplier term, weighs each discount against your cash floor, and tells you which bills to pay early and which to delay. It captures the discounts worth taking, avoids the late fees, and shows the annualized return on each one.
How working capital runs on Fynex
Three steps from setup to settled — then it runs itself.
- 1
Reads every supplier term
Fynex reads the terms on every bill as it arrives — early-payment discounts, net days, late-fee clauses — across software vendors, contractors and trade suppliers. Nothing hides in a PDF anymore.
- 2
Ranks against your cash floor
It checks the discount on offer against your cash floor and what else is due, then ranks each bill: pay early to capture the discount, or safely delay to hold the cash. You set the floor once.
- 3
Pays at the right moment
Fynex pays each bill on the day that captures the discount or lands just inside the due date — never early enough to strain cash, never late enough to draw a fee. Every payment books itself back.
Working capital, actively managed
From the discount on every invoice to the day each bill goes out — weighed against your cash floor, run for you.
Catch every early-payment discount
Fynex reads the terms on every bill and flags each discount worth capturing before it lapses.
Pay early or delay, cash-floor aware
Every recommendation respects the cash floor you set, so capturing a discount never strains the account.
See the annualized return
Fynex shows what each early payment returns on an annualized basis, so you know which discounts are worth taking.
Avoid every late fee
Bills with no discount are held to the last safe day inside their terms — never far enough to draw a fee.
This week's pay-early ledger, decided for you
Fynex ranks every bill due, captures the discounts worth taking against your cash floor and holds the rest to the last safe day. You approve the run, not the math.
The intelligence working your capital
Fynex reads the terms on every bill against your cash floor and the calendar at once, so the discounts worth taking get taken and the rest wait to the last safe day. The working capital you were quietly leaking stays in the business.
The same job, with the leaks closed
Point tools solve part of it. Fynex runs the whole thing on one platform.
What else comes with it
Beyond the headline job, every account gets the whole platform behind it.
Discount detection
Reads early-payment terms on every invoice as it lands.
Cash-floor guard
Set a floor once; no payment ever drops you below it.
Annualized return
See what each early payment returns before you take it.
Late-fee avoidance
Bills with no discount held to the last safe day.
Rate-drift alerts
Flags the moment a supplier quietly raises their rate.
Reconciliation built in
Every payment booked back to your accounting behind it.
The books it reads from, the rails it pays on
Your accounting and bills in, the cheapest compliant rail out — so paying early stays cheaper than the discount you capture.
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.
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.