← Embedded Finance Index 2026

Flexible Finance (flex)

Can Flex become the all-in-one financial operating system for mid-market business owners — managing revenue, spend, credit, and treasury — without requiring an in-house finance team?

Founded2022
HQMiami, Florida, USA
FoundersZaid Rahman
Total raised$105M equity + $200M credit facility
Latest roundSeries B, December 2025
Valuation~$250M post-money (March 2025 reference)
IndustryFintech / SMB banking
The story

Founded in 2022 after pivoting from Flexbase Technologies, a construction-focused platform, Flex repositioned as an all-in-one finance platform for mid-market business owners lacking in-house finance teams. The company came out of stealth in 2023 with a business credit card and expense tracking, then rapidly expanded into bill payments, private credit, and treasury optimization. By late 2025, Flex had crossed $1B in transaction volume and raised a $60M Series B, positioning itself as the financial OS for business owners — managing everything from revenue generation to personal spending.

Last 12 months
2025-03
2025-12
Product timeline
2022
Flexible Finance, Inc. officially formed by Zaid Rahman, evolving from a construction platform called Flexbase Technologies.· pivot
2023
Came out of stealth in September 2023 with a business credit card and expense tracking product; closed $20M Series A.· card
2025
Raised $25M equity at ~$250M valuation and secured $200M credit facility from Victory Park Capital; launched bill payment solution and surpassed $1B in transaction volume.· banking
2025
Raised $60M Series B led by Portage; platform expanded to include AI agents for business finance, payments, private credit, and treasury optimisation.· banking
The stack
3 layers disclosed in Flexible Finance (flex)’s embedded-finance stack
Banking / BaaS
Lead Bank
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
5 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.