Most middle-market business owners manage complex companies, significant personal assets, and multi-entity financial lives. Yet the tools available to them have historically been built for someone else: Either small businesses with basic needs, or large enterprises with deep operational teams.

That gap is where Flex has built its edge.

The company’s mission is to give these owners a single, modern platform to run every dimension of their finances, including business and personal, supported by intelligent systems that anticipate their needs and simplify daily decision-making.

“Our mission is to build the private bank ambitious business owners have always deserved.”

 Zaid Rahman, Founder and CEO said of Flex. “Middle-market business owners employ 40% of Americans, but the financial system has never been designed around their complex needs.”

Momentum Strengthened by World-Class Investors

Flex’s new funding round brings together a coalition of global fintech investors, with Portage leading and additional participation from Titanium Ventures, Wellington, Crosslink Capital, Companyon Ventures, Spice Expedition, Florida Funders, FirstLook Partners, MS&AD Ventures, Restive and others.

Flex is building a category-defining financial institution.

said Jake Bodanis of Portage Ventures emphasized the firm’s conviction, noting, "The company has proven that middle-market business owners are both massively underserved and extremely valuable customers when given the right financial infrastructure.”

AI Agents Powering a New Financial Operating System

Flex has been intentionally designed as an AI-first institution. Instead of layering AI onto legacy systems, the company is building an intelligent “agent” architecture that mirrors the functions of a full financial team.

These agents work across Flex’s five core product areas, private credit, business finance, personal finance*, payments, and ERP, with capabilities such as:

• Business-level and multi-entity underwriting
• Automated expense and payment workflows
• Cash and treasury optimization
• Back-office operations built for owner-operators
• Real-time insights through Flex’s Owner Intelligence platform*

The result is a financial operating system that reduces manual work, centralizes visibility, and delivers insights that help owners make better decisions, faster. This architecture also enables Flex to operate with high capital efficiency, a key driver of its growth.

A Vertically Integrated Credit Engine

One of Flex’s strongest advantages is its vertically integrated credit strategy, supported by its AI-driven underwriting system. This allows the company to price risk more precisely, expand access to the right type of capital, and serve financial needs that often fall outside the scope of traditional banks.

The Flex Net-60 Credit Card, offering extended float, continues to be a primary entry point for customers. Once onboarded, many expand into Flex’s broader financial ecosystem, adopting multiple products that replace fragmented systems and create a more streamlined financial environment.

Building the Complete Owner-Focused Financial Stack

The Series B round enables Flex to accelerate product expansion, scale its AI agent infrastructure, and continue building the complete financial stack for middle-market business owners. The company’s long-term vision is ambitious: a single platform that supports owners throughout their business journey and into generational wealth.