One money layer for property, construction & logistics
You collect from customers, split the money across owners and partners, and pay a network of contractors. Fynex runs all of it in one place — instead of a bank portal, a payouts tool and three spreadsheets.
Free to start. No contract. We'll show you what your finance stack is costing you.
The problem
The money problems every physical business hits
Property, construction, logistics — different work, the same four leaks. Here's what breaks, and what Fynex does about it.
01
One payment, owed to many people
You get paid once, but the money belongs to an owner, a subcontractor, a carrier and you. Normally you wire each share by hand. Fynex splits every payment to each party the moment it lands.
02
A whole network to pay, every cycle
Cleaners, subs, carriers, suppliers — usually a separate bank transfer each. Fynex pays the entire network in one run, on any rail, on your schedule.
03
Nothing ties back to the job
Payments and invoices matched to a property, a job or a load in a month-end spreadsheet. Fynex ties every payment to the job it belongs to, automatically.
04
Your cash is stuck waiting
Retention held back, customers paying net-30, factoring sold off cheap. Fynex builds quick-pay, retention and financing into the flow, so cash moves when you need it.
Choose your ecosystem
One money layer, five industries
The same land-on-the-platform, expand-to-the-operators motion for each. Start where you are.
For freight and logistics platforms and their carriers.
Bill shippers
Collect the freight, reconciled to the load.
Settle carriers, quick-pay
Pay carriers before the shipper pays you.
Factoring built in
Advance against a load without a third-party factor.
Reconcile per load
Linehaul, fuel and accessorials tied to the load.
FAQ
Questions, answered
A business where money moves between a lot of parties to get physical work done: a property manager collecting rent and paying cleaners and contractors; a construction firm billing draws and paying subcontractors; a freight platform billing shippers and settling carriers. They run on software and a network of contractors — and the money side is the part that breaks.
A processor takes a card payment and stops. Physical businesses don't have one payment — they have one payment that has to be split across an owner, your fee and a contractor, then reconciled to a job, often with cash fronted before the customer pays. Fynex runs that whole flow: collect, split, pay the network, reconcile, and finance the gap.
No. On our FCA-authorised EMI licence, Fynex is Merchant of Record and holds the funds, so the payment and cross-border tax risk sits with us, not your platform. You move money across the whole network — collections, splits, contractor payouts, retention, quick-pay — without holding licences yourself.
No — it sits underneath it. AppFolio, Procore, your TMS or staffing system keep the records; Fynex owns the money movement they don't do — splitting payments, paying the contractor network, holding retention, reconciling to the job and forecasting cash — and connects back to your existing stack.
Property, construction and logistics each have a full page and are live now. Healthcare staffing and distribution run on the same money layer and are covered here as sections, with dedicated pages as demand grows.
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
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.
Pick your ecosystem. We'll run the money underneath it
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