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B2B Payments Made Fluid

Flexible Payment Options For B2B Companies

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Why Sellers Go Fluid

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Flexible Repayment

Offer your B2B customers flexibility of diverse payment options such as pay now, on delivery, or 30/45/60-day net terms or installments.

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You Get Paid Upfront

Fluid pays up to 90% of the invoice value upfront (minus a small transaction fee). Boost cash flow, and grow your B2B business.

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Instant Credit Decision

Our proprietary technology instantly assess your B2B customer's creditworthiness, providing a decision within seconds.

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Fuel Your Growth,
Not Your Debt

Fluid underwrites your customers, not you. We handle late payments and default risks -no minimums and no credit impact.

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Auto-reconciliation and Effortless Collections

Our dedicated in-house team handles the hassle of accounts receivables, so you can stop chasing payments and start converting.

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Seamless Connection & Onboarding

Seamlessly connect Fluid to your website, app, ERP or accounting systems within minutes, allowing you to onboard effortlessly.

How Fluid Works

Order Through ERP
Order Through Website

Your Buyers Order Through ERP

Seamless intergration with B2B payments, symbolized by open door and arrow.

Connect Your ERPs or Accounting Systems

Fluid seamlessly integrates with Xero, Quickbooks, Microsoft, Netsuite, and more within just 5 minutes.

A web interface showcasing B2B BNPL integrations, including Xero, QuickBooks, and more.
Choose B2B buyers with Fluid, symbolized by "2" and checkmark on person icon.

Select B2B Buyers

Fluid auto-syncs  business buyers from your accounting systems, making onboarding a breeze.

Screenshot of a B2B BNPL platform interface, showing a buyer selecting preferred credit terms.
"3" and document with magnifying glass, representing thorough credit checks.

Evaluate Buyer Creditworthiness

We check your buyers' credit limit in bulk or individually to minimize late payments and cash risks.

B2B BNPL platform with instant credit checks and approvals.
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Get Paid Instantly

Fluid provides upfront payment once your order is fulfilled to unlock smoother cash flow management.

B2B BNPL payment confirmation: Instant payout to seller after order completion.
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Offer Flexible Buyer Payments

We offer multiple payment options to your B2B buyers at checkout while we handle collections & credit risks.

B2B BNPL dashboard showing invoice status and payment options.

Your Buyers Order Through Website

"1" and shopping cart icon, representing a seamless checkout experience.

Simplify Checkout for Buyers

Your buyers enjoy a seamless checkout experience with Fluid after adding items to their cart.

B2B BNPL checkout page with shopping cart and ""Buy"" button.
"2" and wallet icon with "Fluid", symbolizing multiple payment options.

Provide Flexible Payment Options for Buyers

Your B2B buyers can choose to pay later via credit, auto-debit, PayNow, or wire transfers.

B2B BNPL online checkout screen offering flexible payment methods
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Get Instant Credit Approvals

Fluid instantly assesses buyer creditworthiness and approves B2B transactions within seconds.

B2B BNPL application form with Singpass and online options.
"4" and shield with checkmark, representing flexible payment terms for B2B buyers.

Offer Flexible Payment Terms for Buyers

Your business buyers can pay on credit terms or split their purchases into easy installments.

B2B BNPL checkout with flexible net terms selection (30/45/60 days)
"5" and hand receiving a coin, symbolizing instant payouts and upfront payments.

Get Paid Immediately

You get paid instantly upon order completion, helping you fuel working capital for further growth.

B2B BNPL order confirmation screen with successful payment message.

Our Solutions

B2B BNPL payment screen on a mobile phone, showing various payment methods.

B2B Buy Now, Pay Later Online Checkout

Streamlined B2B Payment Processes

  • Provide a smooth and convenient online payment checkout experience for your B2B transactions.

  • Easily connect Fluid to your e-commerce platform and unlock smoother B2B payments and faster growth.

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Buyers Payment Portal

Automate and Simplify Your Invoicing 

  • Instantly see all your invoices – current, past, and overdue – in one view.

  • Confirm and verify invoice accuracy by matching it against proof of delivery.

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Invoice management and payment options on desktop and mobile using Fluid's Payments Portal.
Fluid's B2B Payment Portal dashboard showcasing invoice and payment summaries.

Sellers Portal 

Optimize Your B2B Order Management

  • Track real-time payment status updates, payouts, due dates, and invoice amounts.

  • Apply for instant credit for your B2B customers and streamline onboarding.

Learn More

Trusted by Industry Leaders

Hear from Our Satisfied Clients

Nichol Ng, CEO of X-Inc Group of companies is Fluid's satisfied client.

Nichol Ng

CEO of X-Inc Group of companies

Unlike any other typical fintech players, Fluid listens to our needs and provides customized solutions to FoodXervices. I'm excited to revolutionize the traditional F&B industry with Fluid!

Logan Tan, Cofounder & CEO of Eezee is Fluid's satisfied client.

Logan Tan

Cofounder & CEO of Eezee

Fluid provides fast and secure B2B payment processing, reduces payment delays and streamlines financial transactions between buyers and sellers.

JiaCai Lau, Cofounder of TreeDots is Fluid's satisfied client.

JiaCai Lau

Cofounder of TreeDots

Fluid increases our small businesses buyers' basket size by 115% and converted 15% more new buyers for us. We are onboarding more buyers to Fluid.

Backed by Investors

Insignia Ventures Partners Logo Icon

Insignia Ventures Partners

Grab Logo Icon

Grab

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Iterative

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New Stack

Fluid’s B2B BNPL solutions streamline B2B business transactions and optimize working capital and cash flow. Our B2B payment platform, a smartly designed financing option for B2B e-commerce companies, wholesalers, and distributors, offers seamless integration of digital payments, AR automation, and transparent pricing.