Platforms already on Flinks.
Ready to add capital.

Each of these platforms uses Flinks for its own product: payroll, payments, billing or bookkeeping. Turning on Slate capital is one more use of a connection they already have. Nine have public proof. Eleven more are strong fits for Flinks to check against its customer list.

Confirmed Flinks customers. Each one says so publicly.

SMB platforms that use Flinks for bank connections today. The first five are the ones to lead with.

#PlatformHQSMBs on itProof they use Flinks
01PlootoAP/AR paymentsToronto14,000+ businessesNamed in its terms
02WagepointPayrollFredericton30,000+ small businessesWagepoint Flinks page
03RotessaRecurring billing (PAD)Steinbach, MB3,000+ small businessesFlinks end-user agreement
04HumiHR + payrollTorontoThousands of SMBsHelp centre: bank auth via Flinks
05VoPayPayments API for platformsVancouverPlatforms that serve SMBsFlinks integration docs
06XoroERPERP for wholesalersNorth AmericaWholesale + apparel brandsDocs: banks via Flinks
07EstateablyEstate + trust softwareCanadaLaw and trust firmsFlinks success story
08SingleKeyLandlord screening + rentTorontoSmall landlordsIncome data via Flinks
09XeroAccounting (app marketplace)GlobalCanadian SMBs on XeroXero × Flinks partnership

Left out: Float and Keep already offer their own credit. Stripe, ADP and FCC AgExpert are too big or have a lender behind them.

Flinks to check. Strong fits with no public proof yet.

Canadian SMB platforms with money moving through the product and no capital offer in Canada. If Flinks confirms any are customers, they move to the list above.

#PlatformHQWhy it's here
10ShiftConnectWorkforce schedulingCanadaWants to add capital; asked 09-25
11VendastaLocal-business softwareSaskatoonFlinks target list
12NmbrEmbedded payrollCanadaFlinks target list
13Dayforce PowerpaySmall-business payrollCanadaDayforce names Flinks for SMB open banking
14HelcimPayments, 22,000+ merchantsCalgaryAdding financing now
15PaystonePayments, 38,000+ businessesLondon, ONNo capital today
167shiftsRestaurant payroll, 55,000+SaskatoonNo capital today
17PayworksPayroll, 45,000+ businessesWinnipegNo capital today
18LillioChildcare, 10,000+ centresTorontoNo capital today
19Rose RocketTrucking, 10,000+ carriersTorontoNo capital today
20Isaac InstrumentsFleet telematicsSaint-Bruno, QCNo capital today

Checked 2026-09-29. Customer counts come from company sites and public data, so treat them as estimates.

The size of it. Confirmed customers only.

Year 1
$17M
funded
Eligible Canadian SMBs
~13,800
Take an advance
3% · ~410
Average advance × a year
$20K × 2
Platforms
$0.6M
Slate
$0.6M
Flinks
$0.3M
At scale
$52M
funded a year
Eligible Canadian SMBs
~13,800
Take an advance
5% · ~690
Average advance × a year
$25K × 3
Platforms
$1.9M
Slate
$1.9M
Flinks
$1.0M

Based on about 46,000 Canadian SMBs on Plooto, Wagepoint, Rotessa and Humi, with 30% eligible. The platforms Flinks still has to check serve about 230,000 more. If Flinks confirms them, the at-scale number could reach about $250M more a year.

How each advance pays. 3% a month, 16% capital.

A 4-month merchant cash advance, repaid weekly. Slate's capital funds it and Slate carries the credit exposure. What's left after the cost of capital is split three ways.

12.0%
Fee: 3% a month for 4 months
−2.8%
Cost of capital: 16% a year on the average balance
9.2%
Spread to split, of every dollar funded
40 · 40 · 20
Platform · Slate · Flinks

On a $50,000 advance, that's a $4,615 spread: $1,846 to the platform, $1,846 to Slate and $923 to Flinks.