Turn Accounts Payable into Revenue

Extend vendor terms by 30–60 days and earn cash-back on every dollar. No fees.

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Built for the People Who Move Money

Flowt is built for finance leaders and operators who need more breathing room in their cashflow without adding new debt.

CFOS AND CONTROLLERS

managing millions in vendor payments every month with an eye on benefits and flexibility.

MID-MARKET BUSINESSES

with $1M+ in annual AP spend looking for smarter ways to manage working capital.

GROWTH STAGE COMPANIES

that need 30–60 extra days of runway to reinvest in inventory, payroll, or expansion.

OPERATORS TIRED OF BANK FRICTION

who want a fast, transparent solution that keeps vendors happy and cash working harder.

Flowt Spend

STANDARD PRICING

3.5% Flat Fee

Pay any vendor with your credit card of choice up to $1mm per swipe

Earn valuable credit card reward points / cash back

Utilize up to 55 days of float

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BUNDLED WITH FLOWT PROCESSING

0% Fee

Benefits of Standard Pricing + High Ticket Items

When bundled with Flowt's merchant processing services, clients experience free supplier spend on our platform

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A mid-market company processing $5M through Flowt achieved:

$124K

IN CASH BACK

$100K

IN EARLY PAYMENT DISCOUNTS

30-60 Days

OF CASHFLOW FLEXIBILITY

Flexible Payments Across Every Industry

Flowt powers the industries where large, recurring payments are critical. By extending terms, unlocking discounts, and earning rewards, Flowt helps you keep cash flowing without slowing operations.

Food and Beverage Distributors

Franchise Royalty Payments

Rent

Service Providers

Large Suppliers

Equipment Manufacturers

General Contractors

Digital Marketing

VENDOR PAYMENTS, SIMPLIFIED

Use Flowt to pay vendors—even those that don’t accept credit cards—by swiping payments up to large limits.

Why Use Flowt?

Flowt gives businesses flexibility in paying vendors—while earning rewards and savings along the way. You get 30-60 extra days to pay invoices, access early-payment discounts, and cash-back—all without hidden fees or dragging through bank approvals.

Flexible Payment Solutions

Flowt gives your business the freedom to manage payments of any size while keeping cashflow working harder for you.

BENEFIT FROM EVERY PAYMENT

Pay invoices up to $1,000,000+. Flowt works with your card providers to expand credit limits, ensuring you maximize rewards and cash-back on every transaction.

Accepted Payments

Flowt integrates seamlessly with widely used credit card providers, making large payments effortless while helping you optimize flexibility and rewards.

Fuel Your Cashflow with Flowt

Flowt isn’t just software — it’s a concierge service designed to maximize every dollar flowing through your business.

MAXIMIZE REWARDS

Get the most from every transaction by optimizing your credit card points and perks, adding extra value to your cash flow strategy.

EARLY PAY DISCOUNTS

Capture vendor discounts by timing payments strategically, boosting savings while keeping cashflow strong.

EXPAND YOUR CREDIT LIMITS

Increase your purchasing power by raising your credit card limits, and give your business more spending flexibility.

Real Businesses. Real Results.

See how businesses like yours are turning AP into a cashflow advantage with Flowt.

Flowt has made it simple for us to maximize our American Express points on vendor payments, turning everyday expenses into meaningful rewards.

Robert Amoruso

CEO of Gideon Strategic Partners

Flowt has made it simple for us to maximize our American Express points on vendor payments, turning everyday expenses into meaningful rewards.

Robert Amoruso

CEO of Gideon Strategic Partners

Flowt has made it simple for us to maximize our American Express points on vendor payments, turning everyday expenses into meaningful rewards.

Robert Amoruso

CEO of Gideon Strategic Partners

Flowt transformed how we handle our largest payments, giving us the credit capacity we need and cashback benefits that directly strengthen our bottom line.

Corey Printup

CEO of Directional Capital

Business Type

Multi-Unit franchise owner and investor

Sales

+$200mm in sales

Flowt transformed how we handle our largest payments, giving us the credit capacity we need and cashback benefits that directly strengthen our bottom line.

Corey Printup

CEO of Directional Capital

Business Type

Multi-Unit franchise owner and investor

Sales

+$200mm in sales

Flowt transformed how we handle our largest payments, giving us the credit capacity we need and cashback benefits that directly strengthen our bottom line.

Corey Printup

CEO of Directional Capital

Business Type

Multi-Unit franchise owner and investor

Sales

+$200mm in sales

The Flowt impact on our bottom line was the equivalent of adding multiple new locations without any added cost. It was easy, seamless and the return was exceptional.

Greg Plummer

CEO of Concord Collective

Business Type

Airport concession operator

Sales

+$50mm

The Flowt impact on our bottom line was the equivalent of adding multiple new locations without any added cost. It was easy, seamless and the return was exceptional.

Greg Plummer

CEO of Concord Collective

Business Type

Airport concession operator

Sales

+$50mm

The Flowt impact on our bottom line was the equivalent of adding multiple new locations without any added cost. It was easy, seamless and the return was exceptional.

Greg Plummer

CEO of Concord Collective

Business Type

Airport concession operator

Sales

+$50mm

With Flowt, we can pay contractors on time while keeping our cash position balanced. This is critical when expanding into new locations.

Mark Tung

CEO of The Made Group

With Flowt, we can pay contractors on time while keeping our cash position balanced. This is critical when expanding into new locations.

Mark Tung

CEO of The Made Group

With Flowt, we can pay contractors on time while keeping our cash position balanced. This is critical when expanding into new locations.

Mark Tung

CEO of The Made Group

Frequently Asked Questions

Every business has unique payment needs, and it’s natural to want details before getting started. Flowt makes it possible to pay vendors who don’t accept cards, extend payment terms by 30–60 days, and earn rewards along the way. Here are answers to the most common questions we receive:

How does FLOWT work if my vendor doesn’t accept credit cards?

What types of payments does FLOWT support?

Can FLOWT help me increase my credit card limit?

What benefits do I get from using FLOWT?

How does FLOWT work if my vendor doesn’t accept credit cards?

What types of payments does FLOWT support?

Can FLOWT help me increase my credit card limit?

What benefits do I get from using FLOWT?

How does FLOWT work if my vendor doesn’t accept credit cards?

What types of payments does FLOWT support?

Can FLOWT help me increase my credit card limit?

What benefits do I get from using FLOWT?

Extended Financing Options

For businesses needing more than 60 days of flexibility, Flowt offers longer-term financing solutions through trusted lending partners.

JARIS

Merchant cash advance (MCA) loans for longer-term working capital needs.

KAPITUS

SBA and business loans designed to extend cashflow beyond 60 days.

INTEGRA

Factoring solutions that convert receivables into immediate cash.