INFINITE OPTIMIZE

SOFTWARE 125 · FINCH API ARCHITECTURE

CONNECT VIA FINCH API
API-POWERED SECTION 125 MIDDLEWARE

Automated Section 125
Payroll Infrastructure.

Connect natively to your payroll provider via Finch API. Infinite programmatically captures IRC §125 tax relief, routes pre-tax savings, and eliminates payroll drift—100% self-funding with zero out-of-pocket invoices.

No checks to write. No manual billing. Pure software alignment.

INTEGRATION

Native Finch
API Layer

BILLING

Zero Invoices
(Self-Funding)

NET RETURN

~3% Payroll
Margin

THE FINCH API PROTOCOL — ZERO MANUAL WORK

01

Instant Finch API Connection

Securely mirror your active W-2 headcount and monthly gross payroll in seconds—no manual entry.

READ-ONLY API MIRROR

02

7.65% FICA Relief Capture

Software automatically routes pre-tax wage deductions and deploys an employer-paid POP/MEC shield.

AUTOMATED ROUTING

03

Programmatic ACH Draft

Infinite's platform fee drafts directly from created tax savings AFTER they appear in your payroll. You never write a check.

100% SELF-FUNDING

"The system generates cash-flow recovery before any platform draft occurs."

THE EXECUTIVE BRIEFING

A 40-second overview of the payroll architecture.

No manual entry. Every calculation is programmatically verified via Finch API prior to activation.

40-SECOND EXECUTIVE BRIEFING · VIMEO EMBED RESERVED

VERIFIED CASH-FLOW RECOVERY

Net savings scale directly with payroll volume.

TIER 1 MID-MARKET

$100,000 / mo

Gross Monthly Payroll

Gross FICA Relief: $7,650/mo
Net Returned: ~$3,000/mo
CORE ENGINE

TIER 2 ENTERPRISE

$500,000 / mo

Gross Monthly Payroll

Gross FICA Relief: $38,250/mo
Net Returned: ~$15,000/mo

TIER 3 CORPORATE

$1,000,000 / mo

Gross Monthly Payroll

Gross FICA Relief: $76,500/mo
Net Returned: ~$30,000/mo

Illustrative estimates based on standard headcount ratios and full plan enrollment. Exact net cash-flow recovery is verified per employer via Finch API underwriting prior to activation.

Structurally aligned.
Programmatically automated.

Plug in via Finch API. We verify your exact gross payroll, run the underwriting engine, and show you your net cash-flow return—free, in under 24 hours.

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