One platform for your business clients, under your name
Finli gives your business clients the back office they run on every day: invoices, quotes, payments, payouts and customer records. Your institution gets the relationship, the settlement and a clear view of how each business is doing.
Three views of the same money
The business, the people it pays and your bankers each see what they need, all from one ledger on bank rails.
The business
Invoices, quotes, autopay, Pay-by Link, inventory and customer records, plus Payouts for the bills it owes. ACH is always free; card payments carry a 3.5% fee the business can pass on.
Customers and payees
Customers pay by ACH, card or Apple Pay and can set up autopay. Payees claim payouts through a secure link and choose how to get paid.
Your bankers
Receivables, settlement and payout activity show which businesses are growing, slowing or ready for a conversation about credit or treasury services.
Signals your bankers can act on
Because the business runs its receivables through your platform, your team can see changes as they happen, not at the next annual review.
- Receivables aging, revenue concentration and settlement trends by business
- Payments collected outside Finli are tracked, so you can see deposit leakage
- Suggested conversations stay in a review queue; nothing reaches a client without a banker
A small moment, repeated
The app that tells them to reorder is the one they bank with.
Finli tracks stock alongside invoices and quotes, so a business gets the nudge in your brand before it runs out of something it sells. Small, useful, and it arrives from you — which is the whole argument for being the operating account rather than the second account.
Because it all runs on your rails, the same activity shows up in your bankers’ view of the business.
What your bankers seeTwo ways to launch
Start fast with a standalone branded site, or put Finli inside online and mobile banking with single sign-on.
Standalone, in five business days
A white-labeled site in your brand gives businesses ACH debit and card processing in five business days, with no core integration required.
Embedded, typically 2 to 4 weeks
Businesses open Finli from inside your digital banking with single sign-on. Finli is available through the Q2 Marketplace and integrates with Jack Henry digital banking.
Finli 2.0: become your businesses’ AI on-ramp before they build their own
Businesses are already using AI to build their own tools. The institution that becomes their on-ramp keeps the relationship: the deposits, the data and the trust.
Today, Finli gives each business a full back office on your rails and in your brand, and the owner still sets it up. With 2.0, the owner says what they need in plain words and Finli builds the tool for them. Same rails, same brand. The money path never changes.
Ask about a 2.0 pilotSettlement lock
Receivables settle into accounts in your routing number, so you become the primary operating bank.
You own the data
Each tool a business builds adds to your view: AR aging, revenue concentration and inventory.
Adoption, solved
No setup labor means the software actually gets used instead of sitting idle.
Finli owns the money path
Finli’s own flow of funds on bank rails, not BaaS middleware. A live, white-labeled pilot takes five business days.
Built to pass vendor diligence
SOC 2 Type II
Independently audited controls since September 2024.
PCI DSS compliant
Card data handled by Finli’s payment processors.
KYC and KYB
Businesses are verified, and every Finli payment is monitored.
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.