Every team at Obie—from customer success to finance—shares a commitment to providing a simple, affordable, and transparent insurance experience for landlords and real estate investors. But as the company grew, its payments process struggled to keep up. Relying on Stripe for payments, Obie lacked advanced reporting and automation, making financial operations increasingly harder to manage.

“We evaluated several alternatives to Stripe,” says David Janusz, Obie’s Head of Accounting and Finance. “But none offered true end-to-end financial operations.” His goal was clear: implement a system that reduced manual work, streamlined decision-making, and improved efficiency across the entire organization.

Without a purpose-built financial platform, David didn’t have the visibility and control he needed from his tech stack. “Manual reconciliations consumed hours of time and introduced errors,” said David. “Without real-time reporting, we couldn’t make decisions as quickly as we needed to.” Errors and bottlenecks were slowing the team down, creating frustration and friction within the finance department. To fix this, Obie searched for a solution that offered automation, real-time visibility, and an intuitive interface. “Functional Finance was the only platform that delivered everything we needed.”

Obie needed a smarter way to manage financial operations—one that didn’t rely on manual work, endless spreadsheets and email chains. By partnering with Functional Finance, Obie unleashed a modern money management system that could be both effective and efficient. With Functional Finance’s fast, accurate FinOps platform, David and his team began to automate the previously manual tasks that had consumed so much of their time.

Fixing billing and payments became their top priority. With Stripe, payments required manual oversight, follow-ups, and reconciliation that lead to long delays and costly errors. Now, integrated billing & payments made transactions seamless, cutting inefficiencies and tedious administrative work.

Instant invoice reconciliation was another game-changer. Obie’s finance team had spent hours matching payments to invoices by hand, verifying deposits, and tracking outstanding balances. With automated workflows, AI instantly verifies and categorizes transactions, flagging only exceptions for review. What once took days each month now happens in the background in real-time, freeing the team to focus on strategic work. “With Functional Finance, we’ve cut our reconciliation time from days to just a few hours,” said David. “It’s allowed us to refocus our efforts on strategic initiatives instead of routine admin work.”

From day one, onboarding was fast and frictionless. Implementation required minimal IT effort, allowing Obie to see results almost immediately. “The support from Functional Finance has been amazing,” said David. “Before, during, and after the launch, they made it clear that our priorities were their priorities.”

Seamless API integration with their tech stack made the transition smooth. Unlike other solutions that needed workarounds, Functional Finance connected directly with Obie’s proprietary policy administration system, Halo, eliminating data silos and improving accuracy.

With payments fully automated, processing is faster, costs are lower, and back-office inefficiencies are gone. Real-time reporting ties everything together, giving Obie’s finance leadership instant visibility into cash flow and outstanding payments. Instead of waiting for reports, they make data-driven decisions in the moment.

“Now all this stuff is real-time, and we can rely on it because things are a lot more systematic,” said David. This transformation didn’t just save time—it provided the team with a reliable, repeatable process.