Your SMBs already pay for these tools. Deliver them yourself.
FinOps Hub is modern AP, AR, expense management, and Tap-to-Pay, built to be deployed by your bank. Standalone or alongside Embedded Banking. Pilot in 90 days. Scale on results.
Bill, Ramp, and Brex grew by selling productivity tools to your SMBs. Every dollar they collect is a dollar leaving your ecosystem.
Most banks would rather offer those tools themselves but can't spend three years building them. FinOps Hub is the version a bank can ship in weeks, not years.
Four modules. Your order. Your timeline.
Each module is built to stand alone and to integrate seamlessly when you add the next. Most banks start with Invoicing or Expense Management.
Invoicing & AR
Bank-branded recurring invoicing, overdue reminders, and real time payment tracking. QuickBooks, Xero, and NetSuite integrations. Card and ACH stay on your rails.
- Recurring schedules and dunning that don't feel automated
- Customer-facing pay links, bank-branded end-to-end
Bill Pay & AP
Approve bills, route for review, and push to the ERP. Your bank gets a window into vendor payment flows it never had visibility into before.
- One inbox, multi-step approvals, audit trails
- Sync to QB, Xero, NetSuite by default
Expense Management
Issue physical and virtual cards to employees, set spending limits in real time, and pull spend back into accounting.
- Real-time limit changes and freezes
- Receipt capture and auto-coding
Tap-to-Pay
In-person card acceptance built into your mobile app. No terminal hardware. Lets your SMBs accept payments at the counter without buying a separate device.
- Software-only, no extra hardware
- Settles into the same DDA
Common questions from bank product teams.
Three answers we give in every first call. The walkthrough goes deeper on the ones that matter most for your portfolio.
Who owns the customer relationship?
Your bank does. FinOps Hub is bank-branded and embedded in your existing channels. Tesouro never holds the customer relationship, the deposit, or the brand.
What does my team plug into?
FinOps Hub deploys through your existing core and digital banking platform. Your card and ACH stay on the rails you already use. No core replacement.
Who carries the KYC and BSA obligation during the pilot?
Your bank does, on your existing program. Tesouro is the software layer; the bank remains the regulated entity. Our compliance posture (SOC 2 Type 2, PCI DSS Level 1) is documented and available to your risk team on request.
Decide what to scale on the results, not on the slides.
Most banking software asks you to commit to the whole platform on day one. FinOps Hub doesn't. Start with the module that solves your biggest problem, watch the only number that matters — SMB adoption — and add the next module on your timeline.
Start with one module
Invoicing or Expense Management most common. No all-in commitment. The other three sit on the shelf until you want them.
Deploy to real SMBs
Active accounts, not waitlists. Bank-branded, embedded in your existing channel. Your card and ACH rails, untouched.
Read the adoption curve
SMBs already pay for these tools somewhere. Adoption per active SMB tells you whether they'll pay you for them. Then you decide what to add next.
See what your bank could earn back.
A 30-minute walkthrough shaped to your portfolio.
Book a 30-minute walkthrough