Fluxo Finance bridges the gap when buyer and seller terms don't quite overlap. Platform capital priced against your confirmed trade history — no bank relationship required.
Fluxo Finance will offer three instruments, each designed for a specific situation where a deal is close but the numbers don't quite work.
Buyer's deposit requirement is short of what the seller needs to commit. Fluxo bridges the gap — buyer pays platform back from the settled escrow at delivery. Deal closes, shipment moves.
Seller ships now, buyer pays on delivery terms. Fluxo advances the seller's payment at shipment against the confirmed escrow. Seller gets paid at origin. Buyer settles at destination.
Platform co-finances the seller's performance bond where the seller's capital is tied up in other shipments. Enables the earnest bond model for sellers doing high volumes across multiple lanes simultaneously.
Traditional supply chain finance is priced by banks based on credit scores, financial statements, and relationship history. Fluxo Finance is priced on something more relevant: your actual shipment record on the platform.
Bank relationship required. Financial statements reviewed. Credit score determines rate. Approval takes days to weeks. Minimum facility sizes that exclude most SMEs. Rate has nothing to do with whether you actually deliver.
No bank relationship. No credit score review. Rate based on your shipment history on the platform — on-time delivery, dispute rate, counterparty feedback. The better your record, the better your rate. Available from your first qualifying transaction.