Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
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.
Settlement run · today
Loads settled142 carriers
$418,600
Quick-pay advanced
$96,400
Fuel & accessorials
$54,200
Unreconciled loads
0
Go deeper
Every money job a freight platform has to run
Carrier settlement, quick-pay, per-load reconciliation and more — each with its own guide.
Shipper billing, carrier settlement, quick-pay and the per-load tie-out — run for you, every run.
Freight in
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.
Load #LX-2291
Linehaul
$3,850
Fuel surcharge
$620
Detention
$180
Paid fast
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.
Carrier settlement
Ridgeline Carriers IncQuick-pay · today
$3,465
Summit Freight IncACH · net-7
$4,120
Delta Haul IncQuick-pay · today
$2,890
Per load
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.
Reconciliation · Load #LX-2291
Shipper billed
$4,650
Carrier settled
$3,465
Margin
$1,185
Cash you can see coming
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.
Network net margin▴ +1.9pt
21.7%
142 carriers · rolling 30-day cash positive
How we compare
TMS + bank file + factor, or one settlement
What the three-tool freight stack leaves to your team, and what Fynex does with it.
The problem
Other platforms
Recommended
!Settle many carriers at once
✕Other platformsA bank file per run, reconciled to loads by hand.
✓FynexOne settlement run to every carrier, matched per load.
!Pay carriers before the shipper pays
✕Other platformsHand it to a third-party factor that takes a cut.
✓FynexQuick-pay and factoring built into the settlement.
!Handle fuel and accessorials
✕Other platformsSeparate advances and adjustments, tracked off-system.
✓FynexFuel and accessorials settled on the same load.
!Carry the payment & tax risk
✕Other platformsRisk and compliance stay on the platform, no Merchant of Record.
✓FynexWe're Merchant of Record on our FCA-authorised EMI.
!Reconcile every load
✕Other platformsMatch settlements to loads in a spreadsheet.
✓FynexEvery settlement tied to the load automatically.
Everything you get
The rest of the job, also handled
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.
Works with what you already run
Your bank, your books and the tools you run the work in, kept in agreement
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.
100+ integrations
Accounting stack
13
Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.
QuickBooks
QuickBooks
Xero
Xero
FreshBooks
FreshBooks
Sage
Sage
NetSuite
NetSuite
Wave
Wave
Banks & business accounts
18
We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.
Revolut
Revolut
Wise
Wise
Mercury
Mercury
Brex
Brex
Airwallex
Airwallex
Ramp
Ramp
Transport & fleet
8
Loads, carriers and fuel — settled per load, with margin you can see before the shipper pays.
Samsara
Samsara
Motive
Motive
McLeod Software
McLeod Software
Trimble Transportation
Trimble Transportation
Flexport
Flexport
Project44
Project44
Inventory & supply chain
9
Purchase orders, stock and landed cost — matched to the supplier invoice before it's paid.
Cin7
Cin7
Unleashed
Unleashed
Katana
Katana
Fishbowl
Fishbowl
Linnworks
Linnworks
ShipStation
ShipStation
Invoicing & contracts
9
The contract sets the terms; we hold you to them — discounts, retention, caps, all applied before money moves.
DocuSign
DocuSign
PandaDoc
PandaDoc
Dropbox Sign
Dropbox Sign
Adobe Acrobat Sign
Adobe Acrobat Sign
BILL
BILL
Invoice Ninja
Invoice Ninja
Payroll & contractors
12
Everyone you owe who isn't a supplier — crew, contractors, freelancers, in whatever currency they bank in.
Gusto
Gusto
Deel
Deel
Rippling
Rippling
Remote
Remote
ADP
ADP
Justworks
Justworks
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, ACH, 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.
One recent diagnostic found $2M in hidden fees across 10 processors for a proptech client.
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 logistics software. It bills shippers, settles carriers in one run with quick-pay or factoring built in, covers fuel and accessorials on the same load, and reconciles every payment to the load it belongs to. Your TMS plans and rates the freight; Fynex moves and settles the money, and carries the risk as Merchant of Record.
Quick-pay is settling a carrier before the shipper has paid you — carriers want their money in days, shippers pay in weeks. Fynex builds quick-pay and factoring into the settlement run itself, so you can advance the carrier on the same rail instead of handing the load to a third-party factor that takes a cut of the margin.
It can fold factoring into your own settlements. Instead of selling invoices to an outside factor, you advance against a load through Fynex and keep the spread, with every advance reconciled to the load. For a platform, that turns factoring from a carrier's separate relationship into part of the money layer you already run.
Yes. Linehaul, fuel surcharges, detention and other accessorials all post against the load, so what a load billed and what it cost tie out automatically. You stop reconciling settlements to loads in a spreadsheet.
Yes. A freight platform lands the broker or shipper relationship, and the carriers, warehouses and fuel suppliers underneath it each need the same thing: paid fast, financed when cash is tight, and reconciled per load. The same money layer serves the carriers, which is how you expand from the platform to the fleet hauling on it.
You can test the full flow — shipper billing, carrier settlement, quick-pay and per-load reconciliation — in a sandbox before going live. Pricing is public: $20 a month plus 0.05% per transaction in and 0.05% out, and larger flows are priced on volume, corridors and risk (pricing). Start with a free diagnostic of what your current settlement-and-factoring setup 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 freight. We'll run the money underneath it
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