Give your business customers a bank in their browser.

Payroll

Businesses can run payroll from the portal.

They manage employees, keep a payroll calendar and organise staff by department and branch, so paying a team becomes a routine, repeatable process instead of a monthly scramble.

Fund transfers

Businesses can send money from the portal, including to beneficiaries at other banks.

Transfers follow the business's approval rules, so large or sensitive payments get the right sign-off.

Bill payments

Businesses can pay their bills from the same place they manage their money.

Fewer trips to other websites means fewer errors and a cleaner record of spending.

Invoicing

Businesses can create and manage invoices, and attach virtual accounts so payments can be matched to the right invoice.

Collections become easier to track and reconcile.

Standing orders

Recurring payments can be set up once and run automatically.

Businesses can switch a standing order on or off and delete it when it is no longer needed, and each execution is recorded.

Direct debit

Businesses can initiate direct debits, move them through a hot queue and authorisation step, and manage them over time.

It supports recurring collections with a clear approval path and a visible status.

Sweeps

Businesses can create sweep instructions with percentage or salvage-value rules and a schedule.

Finlake executes the sweeps, posts them and notifies the business. Instructions can be viewed, edited, disabled or deleted, with a full sweep history, and every instruction goes through the authorisation queue for approval or rejection.

Virtual accounts

Businesses can create virtual accounts by choosing the account type, the amount control and the settlement bank, then submit for authorisation.

Users who manage several businesses can switch between them, and every virtual account is scoped to the business selected.

Bulk virtual account creation

When a business needs many virtual accounts at once, it can upload a CSV template.

Rows are validated and the batch is submitted together, which turns a day of data entry into a few minutes.

Virtual account listing, detail and updates

Businesses can list their virtual accounts, open the detail of any one, see the transactions on each account and update its name.

Everything needed to manage collections is in one place.

Sub-accounts

Businesses can request a new sub-account with a name and a stated purpose, then list all sub-accounts with their details and balances.

Sub-accounts help businesses separate budgets, projects, branches or departments without opening separate relationships.

Moving funds between accounts

Businesses can move funds between a parent account and its sub-accounts, and between sub-accounts, so money goes where it is needed without leaving the bank.

Sub-account access, limits and approval rules

For each sub-account, businesses can scope which users have access, set transaction limits and configure approval rules.

Control is as granular as the business needs it to be.

Statements and consolidated position

Businesses can get statements for each sub-account and a consolidated position across all of them.

Finance teams see the whole picture at a glance.

Rename or close a sub-account

When a sub-account changes purpose or is no longer needed, the business can rename or close it, keeping its structure tidy as the business evolves.

Business owner access

The business owner has the access needed to set up and run the portal, and to bring in the rest of the team.

It gives each business a clear starting point and a clear accountable person.

Invite a user with role descriptions

Owners can invite colleagues to the portal, and role descriptions on the invitation tell each person what they will be able to do.

Clear expectations at invite time prevent confusion and over-permissioning.

Authoriser rights

Businesses decide who can approve transactions.

Authoriser rights give the right people the power to approve, and nobody else.

Manage authorisers

Businesses can set the number of authorisers, add selected users as authorisers, see the count and add more after the initial setup.

Approval policy can grow with the business.

Virtual account permissions

Businesses can control which users can create and manage virtual accounts.

Sensitive features are available only to the people who should have them.

Authorisation workflow

Instructions that need approval move through a defined workflow where authorisers approve or reject them.

Every decision is recorded, so the business has a clear trail of who approved what.

User role management

Businesses can create roles and assign privileges to them.

Instead of granting access person by person, owners define roles once and apply them consistently.

Multi-factor authentication

Users enrol in MFA and use it when they sign in.

The portal also supports forgot-password and change-password flows, so security does not become a support burden.

Business profile, documents and compliance status

Businesses can see their profile and the documents held for them, along with their verification status.

It connects the portal directly to your KYC process, so compliance is visible rather than hidden.

Dashboard

Your team opens the admin portal to a dashboard of portfolio, transaction, approval, risk and reversal metrics, plus a recent transactions panel.

Data refreshes on demand, and any card links straight to the module behind it.

Transaction ledger

A read-only ledger records every customer fund transfer.

Staff can search by reference, account and beneficiary, filter and sort by business, date, status and transfer type, and export records. A full detail view and standing order executions give investigators the context they need.

Business view

Staff can list every business on the portal and open a full 360-degree view: overview, accounts and wallets, virtual accounts, documents, users and employees.

They can suspend or activate a business through the authorisation queue, and block a business account at the core banking level with automatic Post No Debit applied.

Business activity and audit log

Inside each business's view, staff see the audit trail for that business: actions taken by its own portal users alongside the admin actions taken on it.

Filters, drill-down with before-and-after values and export make reviews fast.

Virtual account administration

Staff can create virtual accounts for a business, individually or in bulk from a CSV template, and list them with status filters.

They can see the transactions on each account and close an account when needed.

Batch transfer queue

Staff can see every bulk transfer raised on the customer portal, with filters and sort.

Batch-level detail shows per-item status, and failed or cancelled batches can be retried so that only the items that did not complete are re-run.

Audit log

Every admin action is recorded in a read-only log that can be searched, filtered, sorted and exported to CSV and Excel.

Each entry shows who did what, when and from where, with before-and-after values for changes. The log cannot be edited or deleted, and maker and checker are recorded separately on approved actions.

Payroll administration

Admin tools let your team oversee the payroll activity of business customers, so you can support clients and monitor activity without leaving the admin portal.

Business onboarding

Staff can bring new business customers onto the portal and keep their set-up on track, working alongside the KYC and document verification process.

Direct debit configuration

Administrators configure the direct debit initiation test fee, test the payer and payee accounts, and reverse the test fee, with the outcome reported.

Direct debit is verified before it goes live for a customer.

Portal colour

Set your brand colour so the portal feels like your bank, not a third-party tool.

Logo and icon, light and dark

Upload your logo and icon, including versions for light and dark mode, so your brand looks right in every setting.

Bank name and address

Set your institution's name and address, which appear where customers expect to see them.