About the Company
Binoye Jos spent 20 years in merchant services before he ever opened a law firm. He didn’t just work in the industry — he walked into the worst-performing offices and turned them into the top-performing ones, consistently. When he moved into law, he brought that lens with him. What he saw wasn’t pretty.
Law firms were losing money in ways they didn’t even have language for. Payments were held for three business days while payroll was due Friday. CRM platforms taking 3% plus 25 cents per transaction.
Hundreds of thousands in uncollected receivables sitting on the books — in Binoye’s own firm, more than $1.5 million went uncollected over three years alone.
Clients who needed legal representation but couldn’t afford a retainer, and firms that lost those clients rather than find a way to bridge the gap. Jos FinTech, LLC was built to close every one of those gaps.
Most merchant processors treat Saturday as a non-business day, which means Friday deposits don’t clear until Tuesday. For boutique law firms covering weekly payroll, this gap is a real problem. Jos FinTech, LLC treats Saturday as a business day. Funds are made available the next day, every day.
Standard CRM platforms charge 3% plus $0.25 per transaction. Jos FinTech, LLC processes at 2.5% and $0.05 — with next-day funding included. The difference compounds fast at volume. That is money that stays within the firm.
In Binoye’s own firm, more than $1.5 million in receivables went uncollected over the past three years. He built Jos FinTech’s platform to recover more than 95% of outstanding balances automatically — eliminating the manual follow-up that eats staff time and strains client relationships.
Most processors charge 1% for check payments and settle blind. Jos FinTech, LLC processes checks at a fraction of that cost and verifies that funds are available before the transaction clears.
When a client can’t afford a retainer, most firms lose the case entirely. Jos FinTech’s AI-powered platform can set up a payment plan or fund the retainer upfront — so the client gets the representation they need, and the firm gets paid without taking on collection risk. The client wins. The firm wins.
The CRM integrates directly with accounting and bookkeeping, so invoices are collected and reconciled without waiting on clients to pay manually. Clean books, without the administrative overhead or the additional software cost.
Invoice generation, billing, accounting, bookkeeping — Jos FinTech’s AI-powered platform automates what most firms are still doing by hand. The result is a substantial reduction in labor costs and the elimination of the human error that comes with manual financial management.
The platform tracks spending, ROI, market forecasting, employee productivity, client retention, demographics, and client financial profiles. It can identify where and when to market, so firms aren’t guessing at how to scale. Tracking brings predictable results. That’s the point.
Jos FinTech, LLC was built for law firms first — because that’s where Binoye saw the problems most clearly. But the platform serves any business dealing with the same broken infrastructure: slow funding, high transaction costs, manual collections, and financial technology that promises more than it delivers.
If your current system is costing you money you don’t know you’re losing, that’s the gap Jos FinTech, LLC was built to close.