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Expenses that take care of themselves.
Spend less time chasing employees down for receipts and more time scaling your business. The moment a purchase is made, Flex collects and matches receipts automatically — via SMS, app or email.
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Create tailored spending rules and policies to simplify expense management. Customize by dollar amount, budget, or specific merchants.
With Flex, employees can use their app to add memos when uploading receipts and tag expenses* to projects or clients for ultimate visibility. As an owner, you’re always in the loop — no matter where you are.
Automate expense reviews, enforce smart spending limits, and catch non-compliant transactions before they become a problem. With Flex, your team stays focused on what matters while our software handles the nitty-gritty — no more detective work, no more wasted time.
Issue unlimited virtual debit and credit cards for free. Set up granular card controls like daily, weekly, or monthly spend limit frequency. No frequency? No problem. Choose to assign temporary cards that expire on any date you choose. Then, add spend controls to any card based on the categories you choose.
Let Flex handle the heavy lifting. Automatically code, categorize, and map transactions — and make your monthly close a breeze. With direct ERP integration, everything syncs instantly and accurately. No extra work required.
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Get real-time expense insights to make smarter decisions, prevent overspending, and stay ahead of budget limits. With AI-powered analysis, Flex uncovers hidden costs, spots duplicate subscriptions, and helps you maximize savings — so your business stays cash-smart.
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Give every employee as much — or as little control as you choose. Assign roles and choose from Admin, Limited Admin, Employee, or Bookkeeper via your Flex account when onboarding a new user.
Effortlessly reimburse out-of-pocket expenses with Flex. Submit expenses in seconds as receipts are auto-scanned, and approve reimbursements individually or in bulk with a few clicks. Send payments to employees in their local currency. 180+ countries and 34 currencies.
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Flex Free Banking
Flex Credit Card
Save time and money – let Flex allocate transactions to the correct budget and generate receipts for purchases. Plus, save recurring memos for less manual work.*
Gain visibility into spending with powerful insights to make changes as needed. Adjust spend controls from your app – in just a few taps.
Empower employees to submit their expenses, their way. As soon as spend happens, Flex prompts, collects, and matches receipts via SMS* and the mobile app.
Easy expense tracking and reliable customer service set Flex apart, making it the perfect fit for managing cash flow and enhancing financial efficiency.
Flex is a world-class financial services platform designed to empower business owners with everything they need to manage and grow their business — right at their fingertips. We strive to be the ultimate financial solution, simplifying the complexities of running a business. That means offering intuitive, reliable, and seamless financial tools, combined with exceptional support at every step.
Flex offers free ACH transfers, wires, global payments, and mobile check deposits. There is a flat 1% currency fee on international wires.
Flex banking accounts offer up to $3 million in FDIC insurance for funds on deposit through Thread Bank, Member FDIC, advanced encryption, and real-time fraud monitoring.
Flex Banking supports up to 32⁺ currency denominations. There is a flat 1% currency fee on international wires.
Yes, funds available for deposit in your Flex Banking accounts are FDIC insured up to $3,000,000 through our partner bank, Thread Bank, Member FDIC.
In addition, Flex customers can access up to $75 Million in FDIC insurance through Flex Treasury Management.
Flex is a fully digital financial platform and does not have any physical branches or locations. This allows us to reduce overhead costs and pass on the savings to our customers.
Absolutely. Flex proudly supports U.S. companies founded by global entrepreneurs. Businesses must have current or planned U.S. operations and a U.S. or international address (residential, not a registered agent, PO box, or UPS box).
Flex Banking includes free ACH and Wire Transfers. There are no fees associated with initiating an ACH or Wire payment.
