Clinch – Submission Material
Opening
Every service business knows this moment.
The job is finished, the customer is happy, but the payment journey has only just begun.
Clinch delivers payment certainty for the people doing the work.
Problem
Today, a tradie completes the work, creates an invoice, sends it, waits, follows up, and eventually tries to match a bank transfer.
This is not just an accounting problem. It creates unpredictable cash flow and consumes time that should be spent serving customers.
Insight
Most products try to fix the problem after the invoice is overdue.
We believe that is already too late.
The best moment to establish payment certainty is when the customer accepts the quote. At that point, they have intent, trust, and a reason to act.
Product
Clinch turns an accepted quote into one complete payment agreement.
The customer pays a deposit and authorises a capped final balance.
The business knows how and when it will be paid before starting the work.
Customer Journey
The experience is simple:
- The customer accepts the quote and pays a 25% deposit.
- The business completes the job and marks it as complete.
- The pre-approved balance is automatically collected, and the job closes only when payment is confirmed.
No new invoice. No reminder email. No awkward phone call.
Powered by Pinch
Pinch is not simply a checkout button inside Clinch—it is the payment engine behind the entire workflow.
- Plans create the deposit and balance schedule.
- Pre-Approval provides a capped customer payment mandate.
- Payment Links enable secure quote acceptance.
- Signed Webhooks verify payment outcomes.
- Dishonour Handling manages failed payments.
- Transfer Data completes automatic reconciliation.
Initial Market
Clinch is initially focused on residential electricians operating small teams and regularly quoting high-value work.
These businesses repeat the same payment workflow every week, deposits are already familiar to customers, and a single late payment can significantly impact cash flow.
After validation, the same model naturally expands to plumbers, mechanics, cleaners, photographers, tutors, landscapers, and other quote-based service businesses.
Business Model
Clinch monetises payments that are already happening.
- Monthly SaaS subscription for businesses.
- Application fee on successfully collected payments.
Revenue grows only when Clinch successfully improves payment collection for its customers.
Market Position
Accounting software records completed transactions.
Invoice reminder tools chase overdue payments.
Lenders finance the cash flow gap after it exists.
Clinch prevents the gap from occurring.
By combining deposits, payment authority, job completion, and verified settlement into a single workflow, Clinch creates payment certainty before work begins.
Clinch gives service businesses something an invoice never can:
Payment certainty before the work begins.
- No credit.
- No escrow.
- No invoice chasing.
The work is agreed. The work is completed. The money is collected.
Finish the job. Clinch the payment.
Built With
- pinch-mcp
- pinch-sdk
