Finvari
Finvari is a Seattle-based construction fintech that offers a free, unified spend automation platform combining Mastercard corporate cards, expense management, and AP invoice automation with real-time two-way integration to 11 leading construction ERPs, serving 40,000+ construction employees across 46 U.S. states.
- Company typePrivate
- Founded2020
- HeadquartersSeattle, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Finvari does
Finvari is a Seattle-based construction fintech founded in 2020 by Adam Mangone (CEO) and a co-founder, operating as a privately held company with 11-50 employees. The company offers a unified spend automation platform that combines Mastercard-branded corporate cards, expense management software, and AP invoice automation, purpose-built for U.S. construction contractors. Its core technical differentiator is real-time, two-way integration with 11 leading construction ERPs (Viewpoint Vista/Spectrum, CMiC, Sage 300 CRE/100 Contractor/Intacct, Foundation, Acumatica, COiNS, eCMS, and Deltek ComputerEase), preserving job, phase, and cost-type coding across systems—a workflow that horizontal expense tools do not support. Field crews capture receipts via mobile app or email and code expenses to the correct job at the point of purchase, while finance teams gain real-time visibility and accelerated month-end close.
The platform is offered free to customers, with no SaaS fees, subscriptions, or per-user charges; revenue is generated entirely through interchange on card transactions processed over the Mastercard network, with cards issued by Sutton Bank (FDIC-insured). Finvari employs a hybrid go-to-market combining product-led growth (free self-serve platform), enterprise field sales (demo-driven engagement with construction CFOs and controllers), and content/peer-referral marketing through The Ledger blog and the Construction Financial Management Association (CFMA) community. The platform is used by 40,000+ construction employees across 46 U.S. states, with named customers including ENR-tier contractors (Sellen, Pogue, Fortis, Leopardo) and specialty contractors (Peak Utility, Pleune, T.A. Loving, Duininck). In 2025 the company launched an AP Invoice Automation module that automates intake, extraction, coding, and approval routing, reportedly handling 5,000 invoices per month at customer Peak Utility Services Group. Applied AI is used for expense auto-categorization, invoice line-item extraction, and anomaly detection, though no proprietary models or research pipeline are disclosed.
Finvari firmographics
Firmographics- Name
- Finvari
- Legal name
- Finvari, Inc
- Website
- https://finvari.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finvari is a Seattle-based construction fintech that offers a free, unified spend automation platform combining Mastercard corporate cards, expense management, and AP invoice automation with real-time two-way integration to 11 leading construction ERPs, serving 40,000+ construction employees across 46 U.S. states.
- Ownership category
- akta.pro rank
Finvari industry classification
Industry- Product category
- Construction Financial Technology / Construction Spend Management
- NAICS
- Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Finance Services (6199)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industry
- Expense Tracking & Financial Dashboards (FSAGADAB)
Keywords
Where Finvari is headquartered
LocationHeadquarters
- HQ city
- Seattle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Finvari business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Interchange Fees on Corporate Card Transactions: Finvari earns revenue through interchange fees on corporate card transactions processed through the Mastercard network. The platform is free for customers, with revenue generated from transaction volume as the card is used for field purchases, materials, fuel, and equipment rentals.
- Corporate Card Program Fees: Fees associated with the Finvari Card Program including potential fees for foreign currency transactions (exchange rate plus applicable fees when using card in non-USD currencies) and other card-related service charges as outlined in the Cardholder Agreement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free Platform - No tiered pricing |
| Transaction based/ take rate | Pay-as-you-go | Corporate Card Program |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Finvari product offering
Product offeringCore offering
Finvari is a cloud-based construction spend automation platform that combines Mastercard corporate cards, expense management, and AP invoice automation in a single solution. The platform enables field crews and finance teams to issue cards, capture receipts, code transactions to specific jobs, phases, and cost types at the point of purchase, and sync data in real time with construction ERPs. It is offered free to customers, with revenue generated from card interchange fees.
Product overview
Finvari is a unified Construction Spend Automation Platform that combines three core product lines: Corporate Cards (physical and virtual Mastercard-branded cards), Expense Management software, and AP Invoice Automation. The platform is purpose-built for construction with job-level cost coding, real-time spend visibility, and native ERP integrations. All products are delivered through both a mobile app for field crews and a desktop platform for finance teams, all under a free pricing model with no platform fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Finvari Corporate Cards Mastercard-branded physical and virtual corporate cards purpose-built for construction field teams, providing job-level attribution, real-time spend controls, and instant issuance for employees and one-time or recurring vendor payments.
- Finvari Expense Management Software module that captures receipts via mobile photo or email forwarding, codes expenses to specific jobs, phases, and cost types, and provides real-time visibility and compliance controls for employee spending at construction firms.
- Finvari AP Invoice Automation Automated invoice intake, header and line-item extraction, ERP-based duplicate and anomaly validation, and approval routing with automatic coding to jobs, phases, and cost types for construction AP teams.
Quantifiable outcome
- Reduced expense management time from 3 days per week to 2 hours per week
- +3 more outcomes
Companies that use Finvari
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles2 records
Finvari technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability3 records
Feature8 records
Finvari partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- MastercardcoreFinvari cards are issued pursuant to a Mastercard International license. The Mastercard network handles transaction processing, foreign currency conversion at wholesale rates, and provides the underlying payment infrastructure for the corporate card program.
- Viewpoint VistacoreReal-time, two-way ERP integration with Viewpoint Vista. Transactions flow into Vista preserving job-level context and supporting accurate job cost accounting without manual work. Featured customer: Fortis Construction.
- Viewpoint SpectrumcoreReal-time, two-way ERP integration with Viewpoint Spectrum. Job cost data flows directly into Spectrum without additional configuration or manual handling. Featured customer: Buist.
- CMiCcoreReal-time, two-way ERP integration with CMiC. Described as 'the easiest integration' by Pogue Construction (ENR 400 company). Enables scalable adoption across field and office teams.
- Sage 300 CREcoreReal-time ERP integration with Sage 300 CRE. Featured customer: Pleune Service Company eliminated manual receipt collection and Excel-based coding after implementing Finvari.
- Sage 100 ContractorcoreERP integration partnership for Sage 100 Contractor users in the construction industry.
- Sage IntacctcoreERP integration partnership for Sage Intacct construction customers.
- FoundationcoreERP integration partnership for Foundation construction accounting software users.
- AcumaticacoreERP integration partnership for Acumatica construction customers.
- COiNScoreERP integration partnership for COiNS construction accounting software.
- eCMScoreERP integration partnership for eCMS construction management software.
- ComputerEasecoreERP integration partnership for ComputerEase construction accounting software users.
- CFMA (Construction Financial Management Association)minorCustomer reviews and peer recommendations from CFMA community Connection Café helped drive customer acquisition. Pleune Service Company discovered Finvari through CFMA peer feedback.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
Finvari competitors and assessment
Company assessmentDirect peers
- Comdata: Comdata provides fuel cards and corporate card programs heavily used in construction and trucking; T.A. Loving switched from Comdata to Finvari, confirming direct competitive overlap in construction-spend cards.
- Ramp: Ramp provides corporate cards and expense management software with automation and ERP integrations; comparable to Finvari's core cards-plus-expense-management offering, though horizontal rather than construction-specialized.
- Spendesk: Spendesk provides corporate cards, expense management, and AP automation for SMB and mid-market, comparable in product surface area to Finvari's unified spend automation platform.
- Bill.com: Bill.com provides AP automation and corporate card solutions for SMBs and mid-market; directly comparable to Finvari's AP Invoice Automation module and overlapping corporate-card offerings.
- Resolve: Resolve offers B2B payments and AP automation purpose-built for construction, directly comparable to Finvari's construction-focused spend automation platform.
- Brex: Brex offers corporate cards and spend management for businesses; Fortis Construction explicitly evaluated Brex before choosing Finvari, making it a direct competitor in the corporate-card-plus-expense category that Finvari serves.
- Airbase: Airbase combines corporate cards, expense management, and AP automation in a unified spend platform; comparable to Finvari's three-product offering though without construction specialization.
- Corpay: Corpay (formerly Comdata/WEX-aligned fuel and corporate card programs) is named by Fortis Construction as a previous Finvari alternative; competes directly in corporate cards and AP automation.
Emerging players
- Pilot: Pilot provides bookkeeping and AP automation for small businesses with construction-trades expertise, overlapping with Finvari on construction-focused AP and back-office finance.
- Briq: Briq provides financial planning and automation software for construction, sharing the same vertical and overlapping on construction-specific financial workflows with Finvari.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finvari social profiles
Digital presenceFinvari compliance and trust
Trust signalCompliance1 record
Finvari financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finvari leadership team
Management profileNumber of profiles
Profiles5 records
Finvari funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finvari M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finvari
What does Finvari do?
Finvari is a cloud-based construction spend automation platform that combines Mastercard corporate cards, expense management, and AP invoice automation in a single solution. The platform enables field crews and finance teams to issue cards, capture receipts, code transactions to specific jobs, phases, and cost types at the point of purchase, and sync data in real time with construction ERPs. It is offered free to customers, with revenue generated from card interchange fees.
Is Finvari a public or private company?
Finvari is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finvari founded?
Finvari was founded in 2020. It employs 51 to 100 people.
Where is Finvari based?
Finvari is headquartered in Seattle, United States, in the North America region.
How does Finvari make money?
Two revenue lines are on record. Interchange Fees on Corporate Card Transactions are the primary driver. The others are corporate Card Program Fees.
Who are Finvari's main competitors?
Direct peers on record are Comdata, Ramp, Spendesk, Bill.com, Resolve, Brex, Airbase and Corpay. Emerging players are Pilot and Briq.
Does Finvari have an API?
No public API is recorded for Finvari.
What industry is Finvari in?
Finvari's product category is Construction Financial Technology / Construction Spend Management. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAGADAB, Expense Tracking & Financial Dashboards. Its NAICS code is 522210 and its SIC code is 6159.