Flex

Flex is a financial technology company founded in 2023 that is building an AI-native platform combining business banking, credit, payments and personal finance for business owners. Its products include unified business banking, Net-60 credit at 0% interest, a debit card offering up to 1% cashback, a high-yield cash account earning up to 2.47% APY, integrated payments, and personal finance tools managed alongside business finances. The company launched publicly in September 2023 and is headquartered across San Francisco, Miami and New York, with remote roles also available.

The company reports nine-figure annualized revenue and has raised more than $100m in equity and over $300m in debt. It cites the size of its target market as context: business owners account for 40% of all US payroll. Technical work spans machine learning, banking infrastructure, payments, credit and underwriting, and personal finance software.

Flex describes its operating culture as fast-moving and shipping-focused, with an emphasis on extreme ownership, low ego, transparency and direct communication. Teams are kept small so that individual members have measurable impact, and the stated working principle is to optimise for focus and clarity rather than facetime. The company frames its mission as fuelling the ambition of business owners.