A better way
to move money.
Fluvius is building a B2B supplier payments platform for UK small and mid-sized businesses — turning accounts payable into a revenue stream through an independent AI mediator.
Why Fluvius?
Over £32 billion is owed to UK small businesses in late payments. Around 50,000 SMEs close each year because they can't bridge the cash-flow gap. Invoice finance is expensive, bank facilities are slow, and spreadsheets are — well, spreadsheets.
Fluvius started with a simple question: what if every invoice were a liquid asset from day one? What if paying a supplier didn't mean burning cash? What if on-time payment was rewarded instead of punished?
So we built a platform that turns payables into payment agreements, lets them circulate through supply chains at face value, and offers fair, straightforward early cash-out for anyone who needs liquidity. No more credit facility applications. No more cash-flow crunches. Just payables, working for everyone.
What we believe
AP should earn, not bleed
Businesses shouldn't have to choose between paying suppliers and keeping cash working. We're building the tools to do both.
Auditability first
Every state change is recorded. Every pound tracked through a double-entry ledger. Finance teams need to trust their tools.
Built for the real world
Cross-border, multi-currency, messy invoices, late-night approvals. Fluvius is built for how finance actually happens.
Get in touch
Fluvius is rolling out to selected UK partners. If you'd like to pilot the platform, explore an integration, or just talk shop — drop us a line.
A proper contact form is coming soon.