A better way
to move money.
Fluvius is building a B2B vendor payments platform for US small and mid-sized businesses — turning accounts payable into a revenue stream through an independent AI mediator.
Why Fluvius?
Over $378 billion is locked up in late B2B payments across the United States. More than 8 in 10 small businesses that fail do so because of cash-flow problems. Factoring is expensive, bank lines 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 vendor 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 line 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 vendors and keeping cash working. We're building the tools to do both.
Auditability first
Every state change is recorded. Every dollar 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 US 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.