Advice and answers from the Fluid Financial Team

We have built our product to definitively improve the financial health of our customers by offering dynamic financing opportunities and the information required to make the best financial decisions. We offer the piece of mind that the money you have earned is always available, on-demand.

Fluid allows you to accelerate payments on net terms, so that you can unlock trapped working capital, invest in your business, and reduce risk. Furthermore, win more sales by maximizing the size of the credit lines you can offer your customers while getting the cashflow you need to grow your business.

We recognize that cashflow and access to credit is more important than ever. By leveraging your relationship with customers and our capital, invoicing, and collections tools, we can deliver the ideal experience by approving your buyers for larger credit lines than they will find anywhere else. You no longer have to wait 30 or more days to get paid and spend time and resources collecting on invoices.

How it works

  1. Your qualifying customers are assigned an advance rate and a credit limit based on their risk assessment. Within the Fluid dashboard, you'll have the opportunity to review and approve each advance rate and credit limit before your customer is notified of the credit decision.

  2. When you a submit an invoice for an advance, you'll be immediately paid a percentage of each invoice.

  3. Fluid chases the invoices through our payment reminders. Once your customer submits payment, we pay you the remaining amount.


Your customer was approved for a 75% advance rate for a $10,000 credit line. You submit a $10,000 invoice to Fluid for Net 30 terms. We'll advance you $7,500 less our processing fee. Once your customer pays the invoice, we'll deposit the remaining $2,500 in your bank account.

Getting started

  1. Get a customer assigned an advance rate by submitting a preapproval request.

  2. You'll be notified via email once Fluid has made a credit decision. Under the Customers - Action required segment, finalize the credit decision by accepting or decline the credit terms offer by Fluid.

  3. For pre-approvals, you'll be given a link to the pre-approved application to send to the customer. For direct applications, their account is ready to accept invoices to be advanced.

  4. Charge an invoice under the customer's account to receive an advance on the invoice.