FinX
An all-in-one loan and financing management software
About FinX
FinX is flovver's flagship loan and financing management platform that lets merchants and lenders offer financing without intermediaries. It combines application management, credit evaluation, loan administration, payment collection, and client communication in one integrated system, with evaluation modules connected to major Canadian financial institutions.
Pros & Cons
Pros
- Purpose-built for merchants and lenders offering direct financing without intermediaries
- Deep integration with major Canadian banks and bank verification solutions
- Integrated Kiipr credit bureau surfaces non-institutional loan history other tools miss
- Combines applications, underwriting, servicing, collections, and client comms in one platform
- SOC 2 certified for data security
- White-label branding and custom contracts available on the Professional plan
Cons
- No free trial; prospects must request a demo
- Higher entry cost with mandatory installation fees ($3,500-$7,500) plus monthly subscription
- Evaluation and banking integrations are focused on the Canadian market
- Branding and customization gated behind the more expensive Professional tier
Key Features
Application Management
Provide efficient online loan application forms and track borrower requests at every step of the process.
Evaluation & Approval
Assess risk and process applications quickly using evaluation modules connected to major Canadian financial institutions.
Loan Management
Manage loan terms, payment and deposit schedules, and automate transactions with clear account statements for clients.
Perception Management
Monitor borrower payment habits, receive alerts on issues, and automate account suspensions when needed.
Reporting & Analytics
Track real-time performance with reports tailored to the lending and financing industry.
Client Portal
Let clients view application status, access loan details, and make online payments through a self-serve portal.
Integrated Communications
Automate SMS and email messaging with clients while maintaining a full conversation history.
Credit Bureau Integration
Leverage Kiipr, flovver's integrated credit bureau, for insights into borrowers' non-institutional loan history.
eSignature
Collect legally binding electronic signatures on contracts and documents within the platform.
Pricing
- Loan and transaction management
- Underwriting module
- Instant bank verification
- Collection system
- Electronic signature service
- Client portal
- SMS and email communications
- $3,500 one-time installation fee
- Everything in Essential
- Your brand color and logo
- Custom contracts
- Custom domain name
- Advanced integrations including lead providers
- $7,500 one-time installation fee
Best For
Merchant financing
Retailers and service businesses offer in-house financing to customers and manage the full loan lifecycle themselves.
Lender loan origination
Lending companies digitize applications, run underwriting, and approve loans faster with connected bank evaluation modules.
Loan servicing & collections
Automate payment schedules, monitor borrower behavior, send alerts, and trigger account suspensions on delinquency.
Client self-service
Borrowers track application status, view loan details, and make payments online through the branded client portal.
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