Flex
Flex builds an AI-native platform unifying business banking, credit, payments and personal finance for business owners, combining its own banking and risk infrastructure with AI/ML.
Flex is building an AI-native financial platform that brings business banking, credit, payments and personal finance into a single system for business owners. Founded in 2023 and launched publicly in September of that year, the company works across AI/ML, fintech, payments technology, banking infrastructure, and credit and risk systems.
Its product suite includes business banking accounts, Flex Credit (Net-60 terms with 0% interest), a debit card with up to 1% cashback on purchases, high-yield cash accounts earning up to 2.47% APY on idle cash, and personal finance management integrated with business finances.
Flex reports nine-figure annualized revenue and has raised over $100M in equity alongside $300M in debt financing. The company serves business owners who power 40% of all US payroll.
Teams are intentionally small, with an emphasis on shipping quickly, extreme ownership, low ego, and optimising for focus and clarity rather than facetime. Communication is direct and transparent, and the culture is described as AI-native and mission-driven around business owners. Roles are based in San Francisco, Miami, or New York, or remote within the US.