FINSYNC
FINSYNC is an Atlanta-based SaaS platform founded in 2011 that integrates business formation, financial operations, funding navigation, and a 7,000+ partner network into one connected profile for U.S. small businesses and entrepreneurs.
- Company typePrivate
- Founded2011
- HeadquartersAtlanta, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What FINSYNC does
FINSYNC is a U.S. cloud-based SMB platform founded in 2011 and headquartered in Atlanta that integrates business formation, financial operations (banking connectivity, payments, accounting, payroll), funding navigation, and a partner network into one connected user profile. The platform's core technology stacks a unified profile layer over ACH integrations with 9,000+ banks and credit unions, a proprietary FINSYNC Score for funding-readiness evaluation, and a cash-advance service (CollectEarly) processed through wholly-owned subsidiary FINSYNC Servicing, LLC; it is supported by an AI assistant ("Fynn") for business planning and a CO.STARTERS curriculum delivered through 3,000+ community organizations. The company combines product-led growth (free profile, guided onboarding, modular upgrades) with partner-led distribution (7,000+ partners including bankers, lenders, CDFIs, coaches, accountants, and lawyers) and community-led programs (CO.STARTERS Core, Bootcamp, Workshop, Generator) to acquire and retain entrepreneurs.
The revenue model is multi-stream: tiered SaaS subscriptions ($0 Free, $18/mo Financial Management, $75/mo Accounting, $115/mo Payroll; higher Scale Payroll and Build/Grow variants), transaction fees ($0.50 ACH, $1.00 check, 2.5%–5.5% CollectEarly, 2.9% + $0.30 card), per-employee payroll fees ($4–$12.50/employee/run), and marketplace commissions from vetted partner-provided services (registered agent, virtual address, compliance, etc.). The platform reports 30,000+ entrepreneurs served, 98.5% retention, and 40% reduction in administrative overhead among users. Notably, FINSYNC operates without disclosed venture funding, with 51–100 employees, and is privately held.
FINSYNC firmographics
Firmographics- Name
- FINSYNC
- Legal name
- FINSYNC, Inc.
- Website
- https://finsync.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- FINSYNC is an Atlanta-based SaaS platform founded in 2011 that integrates business formation, financial operations, funding navigation, and a 7,000+ partner network into one connected profile for U.S. small businesses and entrepreneurs.
- Ownership category
- akta.pro rank
FINSYNC industry classification
Industry- Product category
- Small Business Financial Operations Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- akta.pro primary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
- akta.pro secondary industries
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Outsourced Finance & CFO Services (BPAHABAE), Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)
Keywords
Where FINSYNC is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Markets served
FINSYNC business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Plans (Platform): Monthly subscription tiers providing access to platform tools: Free plan for planning/formation/funding; Financial Management at $18/mo for cash flow, invoicing, and bill pay; Accounting at $75/mo adding full bookkeeping and reporting; and Payroll plans at $115/mo+ adding payroll processing, tax filings, and HR features. Add-on modules for expanded user counts, time tracking, and project management further increase ARPU.
- Payment Transaction Fees: Fees on payment volume processed through the platform: $0.50 per ACH payment, $1.00 per check sent, 2.5% per CollectEarly™ invoice advance (with incremental surcharges for longer terms up to 5.5% for 90-day terms), and 2.9% + $0.30 per debit/credit card transaction. These fees scale directly with customer payment activity volume.
- Payroll Per-Employee Fees: Per-employee-per-pay-run fees for payroll processing ($4.00/employee for the core plan, with rates decreasing after 10 employees and for higher pay frequencies). Additional per-employee fees apply for Scale and other payroll tiers ($5–$12.50/ee/run depending on plan). Quarterly tax filing and dedicated onboarding support add further per-transaction revenue.
- Business Services (Partner-Provided): Fees from partner-provided services accessed through the platform's vetted vendor network, including registered agent, annual compliance, virtual address/mailbox, business phone, website services, and local professional services. These are transacted through the FINSYNC profile at partner-preferred pricing with revenue shared or enabled by FINSYNC's purchasing power and platform integration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free starter plan covering planning, formation, funding navigation, and framework tools |
| Subscription | Monthly | Financial Management — cash flow, payments, invoicing, bill pay |
| Subscription | Monthly | Accounting — Financial Management plus full bookkeeping and reporting |
| Subscription | Monthly | Payroll — Accounting plus payroll processing and tax compliance |
| Subscription | Monthly | Business Registration & Formation Services (via partners) |
| Subscription | Monthly | Scale Payroll — Expanded payroll with enhanced support |
| Subscription | Monthly | Grow Accounting — Mid-tier accounting with limited users |
| Subscription | Monthly | Build Accounting — Entry-level accounting with basic features |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels9 records
FINSYNC product offering
Product offeringCore offering
FINSYNC is a cloud-based integrated platform that combines business formation, financial operations (banking, payments, accounting, payroll), funding navigation, and a partner network of 7,000+ organizations into a single connected profile for entrepreneurs and small business owners. The platform is supported by an AI assistant (Fynn), a real-time FINSYNC Score for funding readiness, and connects to 9,000+ banks and credit unions via ACH.
Product overview
FINSYNC is a unified platform and ecosystem for entrepreneurs, combining Business Formation, Financial Operations, Frameworks & Systems, Funding Navigator, and Financial Network into one connected system. The core FINSYNC Platform (app.finsync.com) serves as the central hub, supported by AI Assistant Fynn for business planning, the FINSYNC Score for funding readiness evaluation, and CollectEarly for invoice-based cash advances. The platform offers tiered pricing: Start (free) for formation and planning, Build ($18/mo) adding financial operations tools, Grow ($75/mo) adding full accounting with payroll, and Scale ($115/mo) for complete payroll solutions. The CO.STARTERS Programs provide entrepreneurial education through Core, Bootcamp, Workshop, and Generator formats, facilitated by a network of 7,000+ partners including banks, lenders, CDFIs, coaches, and advisors.
Differentiator
Problem solved
Functional benefit
Brands
- Fynn: AI Assistant powered by FINSYNC that guides entrepreneurs through business planning, formation, and growth with AI-powered tools including business canvas creation, financial projections, and personalized guidance.
- CollectEarly™
- FINSYNC Score
- StartToScale
Products and services
- FINSYNC Platform The unified SaaS platform connecting business formation, financial operations, frameworks, funding navigation, and a partner network into one connected system for entrepreneurs and small business owners.
- CO.STARTERS Programs Entrepreneurial education programs including CO.STARTERS Core (10 sessions over 10 weeks), Bootcamp (4 sessions over 2 days), Workshop (3-hour intro), and Generator (teen-focused modular course), all using the CO.STARTERS Canvas framework and delivered through community organization partners.
- Partner Portal Dedicated portal for banks, lenders, CDFIs, coaches, accountants, and service providers to connect with entrepreneurs matched through the FINSYNC platform, manage relationships, track outcomes, and collaborate on client progress.
- CollectEarly A cash advance service allowing businesses to access funds against outstanding invoices or accounts receivable, processed through FINSYNC Servicing, LLC, with fees of 2.5% per transaction (with surcharges for longer terms).
Quantifiable outcome
- 98.5% of customers who start with FINSYNC continue using the platform as their business grows
- +3 more outcomes
Companies that use FINSYNC
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
FINSYNC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature7 records
FINSYNC partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Create BirminghamcoreCommunity economic development organization in Birmingham, AL that partners with FINSYNC to deliver CO.STARTERS programs and support local entrepreneurs. Featured as a reference partner in CO.STARTERS program testimonials.
- CO.STARTERS (Program Framework)coreFINSYNC holds a partnership to deliver the CO.STARTERS entrepreneurship curriculum (Core, Bootcamp, Workshop, Generator programs) through a network of 3,000+ community organizations. The CO.STARTERS Canvas is the foundational framework for FINSYNC's business planning and ideation tools.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
FINSYNC competitors and assessment
Company assessmentDirect peers
- Mercury: Mercury provides business banking, payments, and treasury tools to startups and SMBs, closely matching FINSYNC's integrated banking + financial operations positioning for entrepreneurial customers.
- North One: North One provides SMB-focused business banking with integrated payments and accounting tools, directly comparable to FINSYNC's combination of banking connectivity and financial operations software for small businesses.
- Lendio: Lendio operates an SMB loan marketplace connecting businesses to a network of lenders — directly comparable to FINSYNC's Funding Navigator, which similarly aggregates bank, SBA, alternative, community, and investor capital options for SMBs.
- Brex: Brex offers SMB banking, corporate cards, payments, and expense management — a directly comparable bundle of SMB financial services including accounts payable and integrated software targeting small business customers.
- Novo: Novo is a digital SMB banking platform with integrated invoicing, payments, and bookkeeping — closely comparable to FINSYNC's connected banking + financial operations offerings for small business owners.
- Wave Financial: Wave provides free and low-cost SMB accounting, invoicing, and payments — a comparable SMB financial operations platform serving micro and small businesses with similar pricing-led positioning to FINSYNC's modular tiers.
- Gusto: Gusto is a leading SMB payroll, HR, and benefits platform. FINSYNC's Payroll module competes directly for the same small business HR-and-payroll buyer, though FINSYNC positions payroll within a broader financial operations suite.
- Ramp: Ramp bundles corporate cards, bill pay, expense management, and accounting automation for SMBs — directly comparable to FINSYNC's Financial Management and Accounting modules targeting the same customer segment.
- Intuit (QuickBooks): Intuit's QuickBooks is the dominant SMB accounting and financial management platform with embedded payments, payroll, and lending — overlapping directly with FINSYNC's Financial Operations, Accounting, and Payroll modules for the same small business customer.
Emerging players
- Stripe Atlas: Stripe Atlas focuses on business formation (incorporation, EIN, banking setup) for new businesses — overlapping with FINSYNC's Business Formation module and Start plan, though Atlas does not extend into ongoing financial operations.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
FINSYNC social profiles
Digital presenceFINSYNC financial estimates
Financial estimateRevenue estimate
Valuation estimate
FINSYNC leadership team
Management profileNumber of profiles
Profiles3 records
FINSYNC subsidiaries and ownership
Company hierarchySubsidiaries1 record
FINSYNC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FINSYNC 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 FINSYNC
What does FINSYNC do?
FINSYNC is a cloud-based integrated platform that combines business formation, financial operations (banking, payments, accounting, payroll), funding navigation, and a partner network of 7,000+ organizations into a single connected profile for entrepreneurs and small business owners. The platform is supported by an AI assistant (Fynn), a real-time FINSYNC Score for funding readiness, and connects to 9,000+ banks and credit unions via ACH.
Is FINSYNC a public or private company?
FINSYNC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FINSYNC founded?
FINSYNC was founded in 2011. It employs 51 to 100 people.
Where is FINSYNC based?
FINSYNC is headquartered in Atlanta, United States, in the North America region.
How does FINSYNC make money?
Four revenue lines are on record. Subscription Plans (Platform) is the primary driver. The others are payment Transaction Fees, payroll Per-Employee Fees and business Services (Partner-Provided).
Who are FINSYNC's main competitors?
Direct peers on record are Mercury, North One, Lendio, Brex, Novo, Wave Financial, Gusto, Ramp and Intuit (QuickBooks). Stripe Atlas is listed as an emerging player.
Does FINSYNC have an API?
No public API is recorded for FINSYNC.
What industry is FINSYNC in?
FINSYNC's product category is Small Business Financial Operations Software. Its primary akta.pro industry code is FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting), with a secondary code of FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking). Its NAICS code is 518.