The vendor payments platform that turns accounts payable into a revenue stream.
On Fluvius, you create the payment agreements with your vendors — your terms, your maturities. Your vendor can wait for the funds in their bank, pay their own vendors on day one at a longer maturity, or cash out early via the Fluvius AI Mediator. You always earn yield on early settlements — how much depends on who funds them.
Paying vendors shouldn't
drain either of you.
Today, paying a vendor is a zero-sum tug-of-war. Pay late and they suffer. Pay early and your cash suffers. Factor the invoice and everyone takes a hit. The money stops flowing — and with it, business stops growing.
From drowning in invoices to in control.
Before Fluvius, finance teams chase, factor, and worry. After Fluvius, the Fluvius AI Mediator handles the negotiations, vendors get what they need, and AP starts earning instead of bleeding.
Same team. Same vendors. A completely different relationship with money.
An AI mediator
between you and your vendors.
Fluvius isn't a lender and it isn't a factor. The Fluvius AI Mediator is the independent party that sits between buyer and vendor — negotiating terms, advances and early-payment discounts fairly so the whole thing works better for both sides.
You create the payment agreement
You agree the terms with your vendor — amount, maturity — and create the payment agreement on Fluvius. The terms, the maturity, and the approval are yours.
Your vendor chooses how to use it
No sign-up needed. They can wait for the funds in their bank at maturity, use the agreement to pay their own vendors on day one (as long as the new maturity is longer), or settle early in exchange for an early-payment discount to you — negotiated by the Fluvius AI Mediator. And they can mix and match: a payment agreement is fully divisible, so they can split it across as many uses, vendors, or partial cash-outs as they need.
Yield flows back to you
When a vendor settles early, they offer you an early-payment discount — and that discount becomes your yield. How much depends on who funds the liquidity (you, the Fluvius platform, or a connected credit provider), but either way your AP becomes a money-generating opportunity.
One payment agreement, an entire supply chain moving.
Your vendor can use the payment agreement you created to pay their own vendors on day one — in full or in part, split across as many vendors as they need. Their vendors can do the same. A single payment agreement can unlock liquidity all the way down a supply chain.
And nobody at any level needs to chase, factor, or wait. The cash that eventually settles is yours — on the maturity you originally agreed.
Turn AP into a revenue stream.
With the Fluvius AI Mediator handling vendor negotiations and an entire network of liquidity options, paying vendors stops being a cost line — and becomes a place where your business earns.
You stay in control
You create the payment agreements on Fluvius — amount, maturity, terms, approval. Nothing happens without you. The Fluvius AI Mediator handles the negotiation; the decisions stay yours.
Vendors don't have to sign up
Your vendor can simply wait and receive the funds in their bank on the maturity date — no Fluvius account required. Frictionless adoption from day one.
Liquidity moves down the chain
If your vendor wants to, they can use the payment agreement to pay their own vendors on day one — as long as the new maturity is longer than yours. One agreement can unlock an entire supply chain.
You always earn on early settlements
When a vendor cashes out early, you earn yield. How much depends on who funds the liquidity — you, the Fluvius platform, or a connected credit provider. Either way, AP becomes a revenue stream.
The decisions stay yours. The negotiation doesn't.
The Fluvius AI Mediator runs the back-and-forth with every vendor — terms, maturities, advances, early-payment discounts — and presents you with clean outcomes to approve. No more spreadsheet chess. No more chasing email threads.
You stay strategic. The AI handles the operational grind.
A negotiation where everyone wins.
The Fluvius AI Mediator is independent. It doesn't favour buyer or vendor — it finds the deal that works for both and prices liquidity transparently.
Vendors stop chasing. Buyers stop dreading the AP queue. Everyone gets paid on terms they actually agreed to.
Every vendor, every flow,
one view.
Live cash position. Payment agreements in motion. Discounts negotiated by the Fluvius AI Mediator. Yield earned this month. Upcoming maturities. Everything you need to run AP as a profit engine instead of a queue of obligations.
Explore the benefits →
Let your payables flow.
Fluvius is rolling out to selected US partners. Get in touch to pilot the platform or explore an integration.
Talk to us →