Overview
What Does Fluid Do?
Help suppliers get paid faster and improve your cash flow with Fluid — a real-time invoice financing solution fully integrated with Xero.
Fluid supports Accounts Receivable (AR) financing, allowing Xero users to receive early payouts on customer invoices while keeping their books fully reconciled and up to date.
With just a few clicks, Xero users can sync outstanding sales invoices to Fluid, apply for financing, and automate payment write-backs — reducing manual work, improving liquidity visibility, and accelerating business operations.
What You Can Get From Fluid?
Accelerate cash flow
Fluid gives suppliers early access to invoice payments by financing up to 100% of the invoice value instantly. Buyers continue to pay on their usual terms while suppliers get paid upfront — creating win-win cash flow for both sides.
Seamless Xero integration
Fluid connects to Xero securely via API and syncs invoice data in real time. Once financing is approved, all related transactions — payouts, fees — are automatically written back to Xero.
Simple setup and control
Connect your Xero organisation to Fluid in seconds. Onboard buyers whose invoices you wish to finance, track disbursement status, and manage records — all from within the Fluid portal.
Smart credit assessment
No long forms or document uploads. Fluid assesses buyer creditworthiness based on your Xero data, including sales data, past payment history, and cash flow trends — enabling instant credit decisions with minimal friction.
Transparent pricing
Fluid charges a small financing fee with no hidden charges or subscription costs. You always know what you’re paying, with daily rates clearly shown before confirmation.
Secure and compliant
Fluid is committed to protecting your data and your customer relationships. All data connections are encrypted, with strict access controls and audit logs to ensure transparency.
Fluid Financial Pte Ltd + Xero
Integration features
- Instant sync of sales invoices from Xero to Fluid for fast, seamless financing.
- Automatic write-back of payouts and fees to ensure accurate reconciliation.
- Customizable mapping for bank accounts and expense codes to fit your chart of accounts.
- Sync logs and error tracking provide full visibility into data flow and status.
- Designed to reduce manual work and improve cash flow visibility for AR financing.
Getting started
1. Sign up for Fluid account
Simply click “Get this app” to sign up for a business account for your Accounts Receivable (AR) needs. You’ll be guided through a short onboarding flow and asked to submit basic company and personal information.
2. Connect your Xero account
After successful onboarding, you can connect with Xero to retrieve your financial data by following the OAuth flow to authorize access.
3. Sync your invoices
Once connected, Fluid will sync your outstanding invoices from Xero. You’ll be able to view the synced buyers and invoices in the portal.
4. Access financing and manage payout
Fluid will offer upfront funding based on invoice amount and risk profile of the onboarded buyer. Once approved, payouts are disbursed and recorded automatically.
5. Review your Xero records
Fluid automatically writes back all payments, fee entries, and transfers to your Xero account — keeping your books accurate and audit-ready.
