Business & Personal. Your Two Worlds in Complete Harmony.
You’re more than just your business — you’re the owner behind it. Flex manages every transaction, from business revenue to your personal spend⁺, so you can optimize your whole life in one seamless platform.
Designed for the 1%, now available to entrepreneurs globally.
Your Whole World.
Business and Personal⁺.
In One Place.
⁺Coming soon.
Your Whole World.
Business and Personal⁺.
In One Place.
⁺Coming soon.
Your Whole World.
Business and Personal⁺.
In One Place.
⁺Coming soon.
Financial tools for your business. Peace of mind for your family. While most financial platforms are built for bookkeepers, Flex is built for you. Running a business means managing both sides of your finances — business and personal⁺. Traditional banks and software don’t get that. They keep everything separate, leaving you juggling multiple accounts, tools, and headaches. Flex layers all the pieces together.
With Flex, you get a financial platform designed for the way you actually operate:
Track business revenue and personal spend — seamlessly with Flex’s owner essentials.⁺
Manage all your bills in one place with Flex’s automated, AI-powered AP software.
Separate and optimize your personal and business money — without the friction.⁺
The Flex Financial Suite.
Start with a card. End with an automated finance platform. Flex is more than just a business credit card — it’s a fully integrated financial ecosystem designed to help business owners scale, optimize cash flow, and automate financial operations.
Powerful, Fast, Free Banking.
Fast, secure banking. Handle all of your payments, transfers, and purchases in one easy-to-use platform.
- Earn 1% cash back on debit card purchases.*
- Enjoy free domestic ACH and wire transfers.
- Make idle cash work for you with up to 2.99% Annual Percentage Yield (APY).**
- FDIC Insurance available up to $3M for funds on deposit through Thread Bank, Member FDIC.¹
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One Card to Rule Them All.
The first 3-in-1 card to offer flexiblity between payment terms and cashback rewards.
Empower Your Team, Stay in Control — with Expenses on AI.
Automate approvals, track spending, and set dynamic controls.
- Smart expense policies that enforce compliance effortlessly.
- Unlimited physical and virtual cards for employees, with custom limits.
- Real-time tracking for total visibility into company spending.
- Seamless integrations with QuickBooks, Xero, and NetSuite.
Pay Fast. Pay Low Fees. Pay Globally to 180+ Countries.
Send and receive global payments with speed, ease, and transparency.
- $0 wire transfer fees for payments in local currencies.
- Pay vendors with any credit card, even where cards aren’t accepted.⁺
- Transact in up to 32 local currencies.
- 1% FX rate on every transaction. Save more with enterprise discounts.
Contact Flex for volume discount pricing.
All Your Bills.
Automated With AI.
Reduce manual work, pay faster, and automate AP – for free.
- Streamline payments with Bill Pay’s automated AI technology.
- Pay your way by ACH, card, or Bill Pay credit⁺.
- Pay vendors with credit, even those outside traditional card networks.⁺
- Seamlessly sync with QuickBooks, Xero, and NetSuite.
24/7 Global Support.
Get the support you deserve from a team that understands growing businesses. Enjoy rapid response times and hands-on service, guaranteed.
75% of customers highlighted improved cash flow as a primary reason for choosing Flex.
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What Owners Are Saying About Flex:
“We chose Flex for its flexible payment options, generous credit limits, and valuable cashback rewards. Its easy expense tracking and reliable customer service set it apart, making it the perfect fit for managing cash flow and enhancing financial efficiency.”
What Owners Are Saying About Flex:
“When we signed up for Flex, we were looking for a solution that offered generous cashback and elevated customer support. Flex has exceeded our expectations by delivering both, allowing us to focus on growing our business.”
What Owners Are Saying About Flex:
“We needed a banking partner who would be there when we needed them, and Flex delivered. Their customer success team is always available—even on weekends—to ensure we’re taken care of.”
What Owners Are Saying About Flex:
“I had challenges sending international wires using Fidelity, but with Flex I was able to fire off all my wires to a variety of countries with no issues whatsoever. It felt light years ahead!”
