--- title: "Payments & Payouts for Physical Businesses | Fynex" description: "The money layer for physical businesses — property, construction and logistics. Collect payments, split them across owners and partners, pay your whole contractor network, and reconcile every payment to the job. Without becoming a payments company." url: "/physical-businesses" --- # 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. *For businesses that run on contractors.* ## 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. 1. **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. 2. **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. 3. **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. 4. **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. ## One money layer, five industries The same land-on-the-platform, expand-to-the-operators motion for each. Start where you are. - **Property** — Collect rent, split fees to owners, and pay the whole contractor network. - **Construction** — Bill progress, pay subcontractors with retention and lien waivers, and see margin per job. - **Logistics & freight** — Bill shippers, settle carriers with quick-pay, and reconcile per load. - **Healthcare staffing** — Bill facilities, pay clinicians on time, and reconcile every payment to the placement. - **Distribution & wholesale** — Pay the supplier network, match invoices to purchase orders, and reconcile per order. ## The jobs Fynex runs on each platform A closer look at each ecosystem — four jobs Fynex runs, and a link into the full page. ### Property — For property management platforms and their contractor networks. - **Collect rent online** — Card, wallet or bank, by no-code payment link. - **Split fees to owners** — Owner share, your fee and reserve, routed at source. - **Pay the contractor network** — Cleaning, HVAC, maintenance and security in one run. - **Reconcile to each property** — Every invoice and payout matched to the unit. ### Construction — For construction platforms, contractors and the subcontractor chain. - **Collect progress draws** — Bill by stage, reconciled to the job. - **Pay subs, hold retention** — The trade chain paid in one run, retention by rule. - **Lien waivers, tied to payment** — Waivers exchanged and matched to the payout. - **Margin per project** — True profit per job as the costs land. ### Logistics & freight — 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. ### Healthcare staffing — For healthcare staffing platforms and the clinicians they place. - **Same-day clinician pay** — Pay the day after a shift, with advances against net-30. - **Pay every clinician in one run** — Nurses, doctors and per-diem staff, any rail. - **Match timesheets to placements** — Every payment tied to the shift and facility. - **Margin per placement** — Real-time profit per shift, clinician and facility. ### Distribution & wholesale — For distributors and wholesalers and their supplier networks. - **Pay the supplier network** — Every supplier paid in one multi-party run. - **Match invoices to POs** — Three-way match, so payments only go out when orders tie out. - **Pay suppliers in any currency** — Overseas suppliers paid in their own currency. - **Reconcile per order** — Every payment tied to the order, margin in real time. ## Questions, answered ### What counts as a “physical business” here? 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. ### How is this different from a normal payment processor? 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. ### Do I have to become a payments company? 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. ### Does Fynex replace the software I already run? 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. ### Which ecosystems can I use it for today? Five, each with its own page: property, construction, logistics, healthcare staffing, and distribution & wholesale. They all run on the same money layer — collect, split, pay the network, reconcile — tuned to how money moves in each industry. ## 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. ## 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. ## Pick your ecosystem. *We'll run the money underneath it* --- 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. © 2026 Fynex