Construction building blocks

Pay the subcontractor chain, retention and all

Electrical, HVAC, equipment rental and suppliers, paid in one multi-party run — with retention held and released by rule and lien waivers tied to the payout that clears them, all matched to the job.

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Free to start. No contract. We'll show you what your finance stack is costing you.

The problem

Every sub is a separate payment, a retention line and a chased waiver

Paying the trade chain on a job means a transfer per subcontractor, retention tracked in a spreadsheet, and lien waivers chased by email. Construction software schedules the work; it doesn't move the money, hold the retention or match the waiver to the payment.

Job #4821 · payout run

Subcontractors paid

£121,400

Retention held (5%)

£6,070

Suppliers paid

£38,700

Waivers outstanding

What Fynex runs

How subcontractor payouts run on Fynex

One run pays the chain. Retention and waivers handled, every payout tied to the job.

Pay the whole chain in one run

Electrical, HVAC, equipment rental and suppliers are paid in a single multi-party run, on your schedule or by rule, across every rail — not a transfer per subcontractor.

Hold and release retention by rule

Retention is held back automatically per draw and per party, tracked against the job, and released by rule on completion — no spreadsheet, no manual release.

Tie lien waivers to the payout

Conditional and unconditional waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money instead of being chased.

How we compare

The same job, with the leaks closed

Point tools solve part of it. Fynex runs the whole thing on one platform.

The problem

Other platforms

!Pay many subs at once

✕A transfer per subcontractor, per rail.

✓One multi-party run to the whole chain.

!Track retention

✕A spreadsheet nobody fully trusts.

✓Held and released by rule, per job and party.

!Match lien waivers

✕Chased by email, matched by hand.

✓Waivers tied to the payout that clears them.

!Reconcile to the job

✕Matched at close-out, if at all.

✓Every payout posted against the job.

FAQ

Questions, answered

Can Fynex pay all our subcontractors at once?+

Yes. Subcontractors, equipment rental and suppliers are paid in one multi-party payout run, on your schedule or by rule, across every rail. It replaces the transfer-per-subcontractor routine with a single run, and every payout is logged against the job it belongs to.

How does Fynex handle retention on subcontractor payments?+

Retention is held back automatically as each subcontractor is paid — for example 5% per draw — tracked per job and per party, and released by rule on completion. Both sides can see exactly what's held and when it clears, without a spreadsheet.

Does Fynex handle lien waivers?+

Yes. Conditional and unconditional lien waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money on the same job instead of being chased by email after the fact.

Is this contractor payment software for the subs too?+

It's the same money layer for both sides. The general contractor or platform pays the chain through Fynex; the electrical, HVAC and equipment-rental businesses underneath each need the same thing — paid on time, retention tracked, margin per job — which is how the platform expands to the trades working on it.

Keep building

The rest of the construction money layer

Every building block below runs on the same platform. Start with one, or run the whole stack.

Payouts

The full multi-rail payout engine behind Fynex, on every product.

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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.

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Compliance, handled

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.

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

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.

Pay the whole chain. Retention and waivers, handled

Get in touch

Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.Spreadsheets, retired with honours.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favourite coworker never takes lunch.