About
Finlayer, a new financial application, is launching with the vision of becoming the “one-stop shop for all financial operations” for Romanian businesses. Its mission is to bring all financial aspects under a single roof and automate the financial operations of a business.
Designed as “the smart financial hub for growing Romanian businesses”, Finlayer addresses key pain points identified for local SMEs. These include the challenges of managing multiple (2-5) bank accounts, slow and costly payment processes, and a persistent lack of clear financial visibility.
The platform operates as an innovative “financial layer” that integrates seamlessly with a company’s existing bank accounts. This model allows businesses to retain their trusted banking relationships while gaining a single, intelligent platform to manage their finances.
Keep your Bank, add Intelligence
Finlayer‘s strategic differentiator is its “Open Banking Way”. Unlike neobanks that require users to switch their primary banking relationships, Finlayer leverages existing, trusted infrastructure through APIs.
This is a critical distinction for businesses that have spent years building deep relationships with their primary banks, which often include credit lines and transaction history. Finlayer’s model is a plug-and-play solution. The platform’s key message is: “All your money remains in your trusted bank”.
A Unified Hub for Finance
The platform provides a unified dashboard that combines multi-bank integration, smart payments, and invoice automation. The Minimum Viable Product includes:
- Multi-Bank Integration: Through open banking, companies can link all their bank accounts for a consolidated view and access their complete transaction history.
- Invoice Generation: Users can create invoices directly within the platform. The system is integrated with the Romanian national invoice system (e-factura) and includes Invoice OCR recognition for importing invoices.
Smart Payments: The platform allows users to pay invoices directly through the app. It also allows users to create payment links to be paid directly into their bank accounts, eliminating the need for third-party apps like Stripe.
Built for Romanian Workflows
Finlayer is tailored specifically for Romanian compliance and business workflows. The messaging is designed for two key audiences:
For Growth-Stage SMEs: The platform is “Designed for growing companies that’ve outgrown spreadsheets”. For businesses facing bigger complexity, Finlayer helps centralize everything in one place.
For Startups: It is “Built for founders who automate everything, including finance”. This allows them to automate payments, invoicing, and reports without the need to “hire a finance team too early”.
Ultimately, Finlayer‘s vision is to become the leading financial operating system for Romanian businesses, transforming the way they manage money, payments, and investments by bridging the gap between traditional banking and the digital future.
Check it out today at Finlayer