Financial confidence doesn’t come from personality or optimism. It comes from knowing what’s actually happening in your business. You see it when founders: • Understand where money is going and why. • Know which decisions are reversible and which aren’t. • Can make tradeoffs without rushing, even when outcomes are uncertain. That kind of confidence shows up well before big financial wins. It’s the result of clarity, not courage.
About us
AI-Native Private Banking for Business Owners. Get a team of AI agents to be your finance team.
- Website
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https://flex.one/
External link for Flex
- Industry
- Financial Services
- Company size
- 51-200 employees
- Headquarters
- San Francisco, CA
- Type
- Privately Held
Locations
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Primary
Get directions
Ferry Building, 1
San Francisco, CA 94111, US
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Get directions
475 5th Ave
New York, NY 10017, US
Employees at Flex
Updates
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Getting a great table in New York can feel harder than closing a deal. We put together a guide to the hardest reservations in NYC, featuring the spots founders actually use to host clients, investors, and partners. With Flex, you get priority access so securing the right seat at the right time is simple. This is just the first city in our series—watch for more guides as we explore the hardest reservations in other major business hubs.
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The most dangerous financial moment of the year isn’t December. It’s January. December is reflective. January is assumptive. Budgets get carried forward. Momentum gets mistaken for certainty. And decisions get made before the full picture is visible. Strong starts aren’t about optimism. They’re about clarity before commitment.
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If accounting software integration feels harder than it should, it probably is. With Flex, your cards, bills, and expenses flow directly into your accounting system with minimal setup and zero chaos. Fewer manual steps. Cleaner books. Faster close. If you are still stitching systems together, this guide shows a simpler way.
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Flex reposted this
As we step into 2026, I’ve been reflecting on the conviction that guides everything we build at Flex. Flex was created for a very specific customer. HNW, middle-market business owners who sit at the center of the American economy, yet remain underserved by both fintechs and traditional banks. They run complex businesses and manage financial lives that do not fit into legacy systems. In just two and a half years, Flex has grown from an idea into a platform trusted by thousands of owners to manage critical parts of their financial lives. That trust shapes every decision we make. 1) Building the AI-Native Private Bank Owners Deserve Our focus is singular. Building the category-defining AI-Native private bank for the middle market owner. Serving them from the time they generate a single dollar in revenue to the time they spend it personally. That lifecycle is 25+ chapters and Flex is building all of it. Narrow ideal customer profile. Broad products. One unified platform across private credit, business stack, personal stack, payments, and an Agentic ERP. Built to reflect how owners actually live and work. 2) Private Credit That Fits How Business Owners Grow Using AI to underwrite our owners to provide them elastic credit for every short and long duration need is our foundation and what sets us apart. With Flex Capital and Bill Pay Later, we give owners flexible growth funding and new ways to manage liquidity, inventory, and seasonality, embedded directly into daily operations. 3) AI Agents for Every Owner — an enterprise finance team of AI Agents In 2026, Flex is introducing AI agents that function like an enterprise finance team. An AI CFO for owners. Automated payables and receivables. Real-time cash forecasting. Spend intelligence. Proactive capital recommendations. Recommendations to improve their business. Enterprise-grade leverage, without enterprise overhead. AI not as a feature, but as infrastructure. 4) Bringing Personal and Business Finance Together With Flex Elite, we bring personal and business finance into one platform. Household and family spend. A unified view of net worth across assets. Finally reflecting founder reality. Ability to allocate business spend with a single click from one card to multiple entities. What Comes Next: We are building Flex with discipline, durability, and long-term intent. Thank you to our customers, team, investors, and partners for the trust and belief. We are entering 2026 with insane clarity and momentum. The opportunity ahead is enormous. And we’re just getting started. Flex Fuels Ambition
A year of building. A year of momentum. A year of customers who made it all possible. We’re closing out the year by reflecting on the milestones that moved Flex forward and the community that made them happen. Thank you to every customer who gave feedback, pushed us to be better, and chose Flex as their financial partner. We’re just getting started
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A year of building. A year of momentum. A year of customers who made it all possible. We’re closing out the year by reflecting on the milestones that moved Flex forward and the community that made them happen. Thank you to every customer who gave feedback, pushed us to be better, and chose Flex as their financial partner. We’re just getting started
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Following our Series B funding announcement, Flex founder Zaid Rahman sat down with investor Turner Novak to talk about the power of excellent customer service and more on The Peel podcast. Listen on YouTube and Spotify here: https://lnkd.in/grvhWeeA https://lnkd.in/gRewFEAS
This founder who went zero to $70m ARR in two years thinks you should over-hire account managers: "We over-hire account managers at Flex so we can provide incredible customer service. We think customer happiness is the most important thing. You can build an incredible product. Something crazy, like agents that do all your taxes for you. But the thing your customers will remember most is when they called needing something urgent, and someone answered within two rings. We optimize our entire service team for that repaid response because it makes our customers happy." Grab a link in the comments to keep listening to my full conversation with Zaid Rahman on building Flex, the AI private bank for middle market business owners.
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2026 will be a defining year for finance teams. AI, real time visibility, and unified platforms are no longer optional. They are becoming the new standard for modern operations. As we close out 2025, we've put together a guide to the fintech trends shaping the year ahead. Explore the trends that will matter most in 2026 and learn what forward thinking leaders will be prioritizing next year. Read the full blog → https://lnkd.in/g3Xh3JDt
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Mid-market operators deserve financial tools that move at their speed. Flex Bill Pay Later is one of them. Built directly into the Flex platform, it gives you the ability to confidently extend terms, strengthen liquidity, and manage payables with ease, all without disrupting your workflow. It’s simple, elegant, and built for businesses that outgrow traditional banking. If you haven’t tried it yet, now’s the perfect time. Learn More → https://lnkd.in/g7TecGdF
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