Fintel watches your marketplace sales and forecasts the precise day every dollar leaves deferred hold and reaches your bank — accounting for statement cycles, reserves, and the full payout wait. One clear report, every morning.
Seller Central tells you what you've sold, but not when each dollar actually arrives. Between deferred reserve, statement cycles, and rolling holds, most sellers are guessing at the one number that runs their business: cash on hand, by date.
Amazon holds funds in a 7-day deferred reserve and pays on its own cycle. Knowing the real available-on date means reverse-engineering it by hand.
Restocks, ads, and payroll all depend on cash timing. Without a forecast, you either over-hold cash or get caught short.
Every dollar in deferred hold is roughly 11 days from your bank — capital you can't put back to work while it sits.
Link Seller Central with a secure, read-only SP-API connection. Fintel starts ingesting your settlement and order data immediately.
Fintel reconstructs deferred reserve, open statements, and reserve changes to compute the true available-on date for every dollar.
Each morning you receive a complete snapshot: what's held, what's paying out next, and a day-by-day calendar of the week ahead.
Know exactly when cash lands — and see how many days sooner you'd have it with Payability daily payouts.
Live total of every dollar sitting in Amazon's 7-day reserve, split by DD7 and B2B, with day-over-day and week-over-week movement.
What's accrued in your current statement period and exactly when that block is scheduled to pay out next.
The projected date and dollar amount of your next disbursement, modeled from your real payout cadence.
Total money that actually reached your bank in the last 30 days — a clean baseline for what's really flowing.
A row for every day of the week ahead showing what unlocks from hold, scheduled payout days, and the makeup of each one.
For each dollar, see the date you'd have had it on Payability daily payouts — and exactly how many days sooner that is.
Each row shows the exact amount leaving deferred hold and the date it becomes available.
Green rows mark disbursement days, with the projected amount and how it's built from balance, deferred funds, and new sales.
Every day shows when the same money would have landed on daily payouts — and the days saved.
Fintel turns Amazon's opaque payout machinery into numbers you can actually run a business on.
Typical wait from sale to bank that Fintel makes visible
A complete cash snapshot delivered every morning
Forward calendar of what unlocks and when
To connect and see your first report
Connect your Amazon account in minutes with a read-only link. Your first Fintel report — deferred hold, next payout, and the full week ahead — arrives the next business day.
Already on Payability daily payouts? Fintel is included with your account — just connect and go.