Platform & Products
As simple as Stripe. Built for the flow of insurance money.
Functional Finance is a purpose-built financial platform for contract-driven businesses, starting with insurance. While payment processors move money, we understand the contracts behind it: policies, endorsements, cancellations, refunds, commissions, invoices, and installment schedules. We orchestrate payment execution, reconciliation, cash application, and partner entitlements so money moves correctly as contracts evolve.
Products
Three products. One financial infrastructure.
PREMIUM FINANCING
Contract Flow
The financial operations layer for premium finance agreements. Installment schedules, payment routing, commission splits, and reconciliation, all governed by the signed contract. Every dollar traced back to the obligation that created it.
Learn moreINSURANCE PAYMENT
Policy Flow
Financial orchestration built for insurance policy lifecycles. Handles endorsements, audits, cancellations, refunds, and commission splits automatically, so money moves correctly as policies evolve, without manual intervention.
Learn moreCLAIMS PROCESSING
Claims
End-to-end financial operations for claims workflows: reserve management, adjuster payables, recovery reconciliation, and TPA settlements. Every dollar traced to its originating claim event.
Learn moreAPI & Infrastructure
Developer
Financial infrastructure built for developers.
A secure API layer for contract-based financial operations. Pre-built integrations for Stripe, Finix, Payrix, and major cloud providers. Build accurate payment and reconciliation workflows without reinventing the wheel.
For platform engineers, InsurTech builders, and developers operating at the contract layer.
Explore Developer
Modeling Suite
FF Business Tools
A growing suite of contract-based business growth and platform ROI adoption modeling tools. Model the financial impact of your insurance business before you build it. Built for operators who need to justify platform investment with real numbers.
Available now
Coming soon
See the full platform in action
Drop your email and we'll walk you through how each product works together across billing, payments, and reconciliation.