Free to start. No contract. We'll show you what your finance stack is costing you.
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 money job a construction platform has to run
Progress billing, subcontractor payouts, retention and more — each with its own guide.
Progress billing, the trade chain, retention and waivers — the money side of every job, run 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.
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 bank portal and the spreadsheet, or one run
What Procore or Sage plus a bank portal leaves to your team, and what Fynex does with it.
The problem
Other platforms
Recommended
!Bill progress and collect draws
✕Other platformsThe PMS records the invoice; you run the draw through a bank portal by hand.
✓FynexProgress billing collected and reconciled to the job automatically.
!Pay subs and suppliers with retention
✕Other platformsA transfer per party, retention tracked in a spreadsheet.
✓FynexOne payout run to the whole chain, retention held and released by rule.
!Handle lien waivers
✕Other platformsChased by email, matched by hand.
✓FynexWaivers exchanged and tied to the payout that clears them.
!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.
!See true margin per project
✕Other platformsKnown at close-out, not while you can act.
✓FynexTrue profit per job in real time, as costs land.
Everything you get
The rest of the job, also handled
Beyond the headline jobs, every account gets 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.
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
Job management
15
The job is where your profit is decided. We read it, then pay the crew against it.
Jobber
Jobber
ServiceTitan
ServiceTitan
Housecall Pro
Housecall Pro
PaintScout
PS
PaintScout
JobNimbus
JobNimbus
Workiz
Workiz
Construction & projects
10
Draws, subs, retention and change orders — read from the system your PMs already live in.
Procore
Procore
Buildertrend
Buildertrend
Autodesk Construction Cloud
Autodesk Construction Cloud
CoConstruct
CoConstruct
Knowify
Knowify
Contractor Foreman
Contractor Foreman
Lead sources & marketing
10
Where the jobs come from and what each channel costs — so every won job is attributed back to the ad that bought it, and ROAS stops being a spreadsheet.
Angi
Angi
Thumbtack
Thumbtack
Yelp
Yelp
Google Ads
Google Ads
Meta Ads
Meta Ads
Nextdoor
Nextdoor
Phone & customer comms
8
Calls matched to the lead that triggered them — speed-to-lead becomes a number you can see, not a guess.
Quo (OpenPhone)
Quo (OpenPhone)
RingCentral
RingCentral
Dialpad
Dialpad
CallRail
CallRail
Aircall
Aircall
Twilio
Twilio
Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, Faster Payments, 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 Ltd
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 public: a monthly plan 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 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.
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