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Agentic finance for SaaS companies

Get back the week your team loses to finance

Invoicing, contractor pay and runway — the back office your team runs today, running on its own.

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Free to start. No contract. We'll show you what your finance stack is costing you.
What's our runway at this burn?
Daniel Kerr
Daniel Kerr
Founder & CEO
Chase every overdue invoice for me.
Hana Suzuki
Hana Suzuki
Finance Lead
Pay the contractor bench on Friday.
Owen Pierce
Owen Pierce
Head of Ops
Hold our multi-currency accounts in one place.
Clara Ferreira
Clara Ferreira
CFO
Flag any contract that risks misclassification.
Viktor Holm
Viktor Holm
COO
What's our runway at this burn?
Daniel Kerr
Daniel Kerr
Founder & CEO
Chase every overdue invoice for me.
Hana Suzuki
Hana Suzuki
Finance Lead
Pay the contractor bench on Friday.
Owen Pierce
Owen Pierce
Head of Ops
Hold our multi-currency accounts in one place.
Clara Ferreira
Clara Ferreira
CFO
Flag any contract that risks misclassification.
Viktor Holm
Viktor Holm
COO
The problem

Your finance work is still done by hand

Multi-currency banking takes manual steps every week. Burn and runway live in a spreadsheet someone keeps rebuilding. Invoices go out late and get chased by hand. Payroll is clunky, and loose contractor agreements put you a step away from an employment-law problem.

The cost isn't just hours. Late invoices stretch your runway, idle balances sit in the wrong currency, and nobody notices until the quarter closes. You built automation for your customers — your own back office still runs on copy-paste.

Accounts
Fynex accountGBP · USD · EUR
£2,847,392
J.P. Morgan
£692,847
Monthly burn
£96,400
Runway
8.7 months
Go deeper

Every way a software business bills, with its own guide

Usage-based billing, prepaid credits and pricing an AI product — each with its own guide.

Usage-based billing

Metered billing for SaaS and API products: events, seven pricing schemes, caps and invoices that issue themselves.

Explore →
Prepaid credits

Credit-based pricing: sell credits up front, draw them down on usage, expire and top up — on one ledger.

Explore →
Billing for AI companies

AI billing: price tokens, requests and agent runs so revenue follows inference cost — hybrid plans, credits and caps.

Explore →
What Fynex runs

The finance back office, on autopilot

Accounts, invoicing, the contractor bench and runway — the week your team loses to finance, run for you.

GBP · USD · EUR

Money held in every currency you bill in

Hold and move GBP, USD and EUR without the manual banking.

Wallets
GBPUSDEUR
Available
£542,000
Held
£89,450
Pending
£32,768
Chases itself

Invoices that send and chase themselves

Invoices go out on time and chase themselves until they're paid.

Payment status
Paid189 invoices
£1,423,847
Outstanding58 invoices · auto-chased
£423,545
77% collected
Every Friday

Contractors paid on schedule, by rule

Pay your bench on schedule, each one in their own currency.

PayoutsScheduled
J. WhitfieldFaster Payments · Fri
£2,400
M. CaldwellFaster Payments · Fri
£1,850
R. HughesACH · Fri
£3,100
Live, not month-end

Runway and burn, live

See cash and burn the moment they move, not when the spreadsheet catches up.

Cash runway▴ 2.1%
18 months
At current burn rate
Docs & API

Put your finance operations
behind your own product

Someone on your team closes every month by hand — matching transfers to accounts, retrying the cards that bounced, paying contractors one at a time.

Hosted checkout

Take the first payment the same day

Fynex collects the card on its own page, so your servers never see one and stay out of PCI scope.

POST /payments-api/v1/checkout
{ "externalOrderRef": "ORDER-100106",
  "amount": 49.99,
  "currencyCode": "USD" }
Hosted checkout reference →
Server-to-server

Charge the saved card next cycle

The first payment opts into merchant-initiated repeats; every renewal after it references that transaction.

POST /payments-api/v1/initialize-payment
{ "subscription": { "enabled": true,
    "allowSubsequentMerchant
      Initiated": true } }
Server-to-server reference →
Virtual accounts

A dedicated IBAN per customer

Enterprise customers pay by transfer into their own issued account rather than one shared reference field.

GET /payments-api/v1/payees
→ { "payees": [{ "id": 101, "legalEntityId": 77, "displayName": "Primary Payee", "role": "Contractor", "merchantId": "merchant-1", "status": "Active", "isActive": true, "createdAt": "2026-04-07T10:00:00Z", "updatedAt": "2026-04-07T10:00:00Z" }], "total": 1, "limit": 20, "offset": 0 }
Virtual accounts reference →
Payouts

Pay contractors without a bank portal

One call per payee; the wallet it comes out of is resolved for you.

POST /payments-api/v1/payees/101/payouts
{ "payoutMethodId": 501,
  "amount": "1200.00" }
Payouts reference →
How we compare

The stitched stack, or one platform

What Stripe plus QuickBooks plus spreadsheets leaves to your team, and what Fynex does with it.

The problem
Other platforms
Recommended
!Hold money across currencies
✕Other platformsA bank plus FX tools stitched by hand — and the provider holding your balance can freeze it with no notice.
✓FynexMulti-currency accounts and wallets in one place.
!Know your burn & runway
✕Other platformsSpreadsheets, never live.
✓FynexLive cash-flow, burn and runway.
!Get invoices paid
✕Other platformsAn invoicing tool, chased manually.
✓FynexAuto-invoicing with reminders.
!Pay the contractor bench
✕Other platformsA separate payroll tool where multi-currency hurts, and cross-border payouts get flagged and stalled.
✓FynexScheduled multi-currency contractor payouts.
!Keep contracts compliant
✕Other platformsOn you, or a legal add-on.
✓FynexCompliant agreements built in.
Show, don't tell

Runway, without the spreadsheet

Burn, runway and contractor payouts in one live view, so finance runs itself while you build.

▴ 12.5%This quarter
Cash on hand£842,000
Monthly burn£96,400
Runway8.7 months
Contractors paid (Fri)12 · auto
Everything you get

The rest of the job, also handled

Beyond the headline jobs, every account gets the whole platform behind it.

Subscription & renewal billing

Recurring charges, metered usage, renewals and dunning, automated.

Reconciliation to your books

Auto-reconcile to Xero, QuickBooks and FreshBooks.

Virtual-account IBANs

Multi-currency accounts without a bank visit.

Saved cards

Charge returning customers without re-entry.

Compliant contractor payouts

Pay your bench with agreements built in.

Webhooks & API

Wire Fynex into your stack.

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
Xero
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

Project & time tracking

9

Hours, retainers and delivery status — so a project's real margin shows up without a spreadsheet.

monday.com
Asana
Asana
Jira
Jira
ClickUp
ClickUp
Trello
Trello
Linear
Linear

Site & app builders

9

Whatever you built the business on — payments, invoicing and payouts wire into it without a dev project.

Webflow
Webflow
Framer
Framer
Lovable
Lovable
Bubble
Bubble
Softr
Softr
Glide
Glide

CRM & sales

7

The deal, the customer and the terms — pulled in so invoicing starts itself.

HubSpot
HubSpot
Salesforce
Salesforce
Pipedrive
Pipedrive
Zoho
Zoho CRM
Close
Close
Copper
Copper

Payment acceptance

10

Keep the checkout you already run. We take it from the moment the money lands.

Stripe
Stripe
PayPal
PayPal
Adyen
Adyen
Square
Square
Braintree
Braintree
Checkout.com
Checkout.com

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.
Get in touch
Compliance, handled

Your money, held under a licence, not a promise

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

Contractor management is everything involved in paying and staying compliant with a bench of contractors — agreements, scheduling, multi-currency payouts and classification. Fynex automates the money side: scheduled payouts in each contractor's currency, with compliant agreements built in, so no one on your team runs it by hand. Your accounting stays reconciled behind it.
Yes. Fynex gives your SaaS company multi-currency business accounts with virtual-account IBANs, so you hold and move GBP, USD and EUR from one place. You stop taking manual banking steps every week or stitching a bank and FX tools together by hand.
Yes. Fynex calculates live cash flow, burn rate and runway from the money actually flowing through it — not a spreadsheet someone keeps rebuilding. You see the numbers update as they move, so you can act on a cash-flow gap before it becomes one.
A payout is money you send out to your bench; a payout schedule runs them automatically on a set cadence — say every Friday. Fynex pays each contractor in their own currency across Faster Payments, SWIFT or local rails, by rule, so paying contractors stops being a manual weekly job.
Yes. Auto-invoicing sends invoices on time and chases them with reminders until they're paid, and subscription and renewal billing run with dunning. Every payment reconciles to Xero, QuickBooks or FreshBooks in real time, so no one has to chase or re-key anything.
Compliant contractor agreements are built into the payout flow, so each contractor is engaged and paid under clean terms. As the bench grows, that keeps classification clean and keeps you a safe step away from an employment-law problem.
No. Fynex runs the money and keeps your accounting in sync — Xero, QuickBooks and FreshBooks auto-reconcile behind every transaction. Add Fynex for multi-currency accounts, invoicing and contractor payouts, and keep the tools your team already uses.
Agentic finance is finance operations run by AI rather than by your team. In practice: invoices go out and chase themselves, contractor payouts run on schedule across currencies, every payment is matched to what it was for, and your runway stays current without anyone updating a sheet. Nobody on your team is doing finance admin — you review decisions instead of making them one transaction at a time.
You can connect your accounting and start moving money quickly. Pricing is public: card payments from 1.4%, payouts at 0.5% each, and larger flows priced on volume, corridors and risk (pricing). The fastest start is a free diagnostic — send us your setup and we'll show you what your finance stack is costing you today. No contract to start.
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.

Give your team back the week they spend on finance

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.
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