Your trade history is your credit file.
Banks start with your balance sheet, your tax returns, and a personal guarantee. What you actually ship comes fourth — if at all. Fluxo Finance inverts the order. Every shipment you complete on-platform becomes part of your credit file — paid on time, delivered on terms, verified on-chain. Financials don't disappear. They stop leading. The more you trade cleanly, the better your rate.
Fluxo Finance · Coming to Fluxo clients with verified transaction history · Florida, USA
Priced on what you've done. Not what you promise.
Traditional trade finance is priced against your bank relationship — how long you've been a customer, what assets you hold, what your balance sheet looks like. Fluxo Finance is priced against what you've actually done: how many shipments you've completed, how reliably your documents cleared, how consistently your counterparties were paid.
A $2M importer doing 20 Fluxo transactions a year has a better financing profile on Fluxo than a $50M company applying for their first trade credit at a bank. Because we can see what actually happened, verified on-chain, not what someone claims might happen.
Capital that moves with the shipment.
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 deposit bridge
Buyer's working capital is tied up. Fluxo advances the deposit so the contract can initialize now. Buyer repays when goods are received.
Seller credit extension
Seller ships on extended terms. Fluxo guarantees payment to the seller at the agreed milestone. Buyer settles with Fluxo on the agreed schedule.
Three-party financing
When terms are too far apart for either party to bridge alone, Fluxo joins the contract as a financing party. AI generates a three-party term sheet. All three confirm. Smart contract initializes.
Priced on your trade history. Not your credit score.
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.
Traditional supply chain finance
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.
Fluxo Finance
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.
18 months of transactions. Something no bank has.
After 18 months of transactions, Fluxo has granular, verified, auditable transaction data for SMEs doing $500K–$10M in cross-border trade. That is the actuarial base no bank has built — because banks considered these transactions too small to track.
Every transaction on Fluxo creates data that compounds: Documents AI gets smarter on each corridor. Transaction history becomes a trade credit score. Operator ratings build Network reliability. Counterparty KYC history clears faster for repeat partners.
Finance is the product that turns that data into pricing power. The platform knows your shipment record, your counterparties, and your performance — and can price credit accordingly. A bank guesses. Fluxo Finance knows.
Be among the first importers priced on shipments.
Tell us your trade corridor and typical transaction size. We'll reach out when Finance opens for your route.
Available to Fluxo clients with verified transaction history. The more you trade, the better your rate.