Flexbase Technologies

Flex, operated by Flexbase Technologies, Inc., is a financial technology company (not a bank) that provides a consolidated financial platform for business owners who operate across multiple countries, entities and currencies. The company positions its offering around four core products that also function independently: Global Banking with local-currency accounts and cross-border payments; a stablecoin-based dollar account intended to move funds internationally in seconds; the Flex Reward Card, a business charge card issued without a credit check; and Flex Capital, which provides revenue-based financing.

Beyond those pillars, the platform advertises a broader suite spanning banking and treasury, credit cards, working capital, multi-currency accounts and payments, a global card, global expense management, bill pay (accounts payable), estimates and invoices (accounts receivable), Bill Pay Later, payment acceptance and processing, travel, and a family office and trusts suite. Availability varies by jurisdiction, with a number of products listed as US-only or coming soon. A personal-side product set — including the Flex Elite Credit Card, Flex Beacon, personal banking, personal treasury, net worth tracking, concierge and itineraries — is described as forthcoming, reflecting the company's stated aim of covering both business revenue and the owner's personal spend in one platform.

Business model

Flex offers a bundled set of business financial products — deposit and treasury accounts, multi-currency and cross-border payments, stablecoin dollar accounts, charge and credit cards, expense management, AP/AR tooling and financing — delivered as a single platform through partner banks and licensed payment providers rather than through its own banking license.

The company monetizes financial products including card programs, payment services and credit offerings such as a Net-60 card, accounts payable and accounts receivable financing, revenue-based financing, and business and personal lines of credit, with fees and terms applying by product and applicant eligibility.

Latest developments

The company lists an expanding roadmap of products marked coming soon, including personal banking, personal treasury, net worth tracking, concierge and travel services, and the Flex Elite Credit Card and Flex Beacon on the personal side.