You built the relationship. Finli keeps you in it every day.
Every morning your business clients open something to quote, invoice, collect and pay the crew. Today that is someone else’s software. With Finli it carries your name — and so does the account the money lands in.
It carries your name, not ours
Quotes, invoices, payments and autopay in your brand. The business never sees Finli.
Receivables settle with you
Working capital stays where the relationship is, instead of sitting with a processor.
Your bankers see it first
Growth, concentration and ageing show up in the portfolio before the business asks for anything.
Find your starting point
Community banks
Keep the operating account without building a product.
Regional banks
Serve small business profitably, market by market.
Credit unions
Member business services, without building them.
CDFIs and lenders
Borrower readiness you can see, not just report.
Nonprofits
Hand the businesses you advise a tool, not a worksheet.
Government programs
Reach constituent businesses through a program they know.
Finli, in your stack
Delivered under your brand. No core conversion, no engineering quarter, no product hire.
The tools
- The portal, in your brandQuotes, invoices, payments, autopay, customers, inventory and books. The business never sees Finli.
- PayoutsPaying crews and suppliers from the same place. Coming soon.
- A branded academyFinancial education your business clients actually attend, run end to end under your name.
- Free tools, your name on themCalculators and an invoice generator you can embed.
The insights
- AR ageing, earlyReceivables and collection behaviour months before a financial statement would show them.
- Revenue concentrationWhich customers a business actually depends on.
- Who is growingOperating signals that tell a banker when to pick up the phone.
- Banker guidesHow each trade makes money and what to ask, free to your whole team.
The advantages
- The operating accountReceivables settle into the DDA at your institution instead of sitting with a processor.
- CRA considerationTechnical assistance and education, documented as a by-product. Your examiner decides what counts.
- Live without a buildA standalone branded site first, embedded later if you want it.
- Diligence readySOC 2 Type II, policies and controls on file before your review starts.
And the questions underneath
You could. But it is not a project with an end date, it is a product organisation: a roadmap, a compliance surface, a support desk and a release cycle that never stops. Think of Finli as that team, already hired, working only on what your business clients need every day — under your name.
Your best clients open a vertical software platform every morning. Payments go first, then the card they put expenses on, then credit, because that platform sees their receivables before you do. Then the settlement account. By then the relationship is gone, and it went in the place they open daily.
Finli drops into your stack without a build, so you can test it the way you would test anything. Pick an industry you already lend to but whose deposits land somewhere else, run it there, and look at what comes back.
Your name is on the portal and your customers are inside it. The switching cost belongs to you, not to us.
One climb, one platform
Each tier adds what the business needs next. Nothing is migrated, nothing is relearned, and no history is left behind.
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Micro business banking
Sole operators, side businesses and brand-new entities, often still running on a personal account.
What keeps them stuck: Getting paid at all, and keeping business money separate from personal money.
What the business gets
- Professional invoices and quotes
- ACH at no cost to the business, card and Apple Pay when they want it
- A shareable payment link for one-off jobs and donations
- Education on cash flow, pricing and separating accounts
What it means for you
These are the relationships that quietly move to consumer payment apps. Finli keeps the first dollar settling with you.
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Small business banking
A few employees, repeat customers, recurring work.
What keeps them stuck: Chasing invoices, uneven months, and hours lost to billing every week.
What the business gets
- Autopay and recurring invoices
- Automatic reminders by email and text
- Customer records with payment history and documents
- Inventory tracking with restock alerts
- QuickBooks sync
What it means for you
Operating balances stop swinging through outside processors, and you can see the business's real rhythm.
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Business bankingPayouts in pilot
Growing teams, more vendors, more people touching money.
What keeps them stuck: Who can approve what, paying crews and suppliers on time, and keeping records straight.
What the business gets
- Team members and roles
- Payouts to vendors and crews from business checking
- W-9 collection and 1099 tracking
- Batch invoicing and bulk actions
What it means for you
Money out joins money in on one platform, so both sides of the business stay in your institution.
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Commercial banking
Multiple locations or lines of business, longer payment terms, real counterparty risk.
What keeps them stuck: Receivables aging, revenue concentration and working capital timing.
What the business gets
- Receivables aging and revenue concentration
- Records that are ready at application time
- Finli 2.0 tools built for the business in plain words
What it means for you
The data that makes a credit or treasury conversation possible arrives while it still matters, not at the annual review.
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Specialized industries
Businesses whose money moves in ways generic software never fits: trust and escrow, tuition, dues, patient balances, seasonal harvests.
What keeps them stuck: The workflow itself, not the invoice.
What the business gets
- 25 industry programs across 8 families, on top of the platform every business gets
- Documents, timing and terminology that match the trade
- Programs you turn on by segment
What it means for you
You can win a segment at a time instead of a business at a time.
Why the ladder matters more than any one rung
A business that outgrows its bank's offering doesn't usually complain. It just adds a vendor, then another account, and one day the operating relationship is somewhere else.
Because Finli covers the whole climb, growth stops being a reason to leave. The business keeps its history, its customers and its settlement account. Your bankers keep the relationship through the stages where it gets most valuable.
Common questions
Do we have to offer every tier at once?
What happens when a business moves up a tier?
Where does treasury management fit?
Start with a 30-minute conversation
Bring your questions about deposits, launch or a specific industry. A first call is for answering them — a full walkthrough for your wider team comes after, whenever you want it.