Terms & Conditions


In the User Agreement below, we use the terms "Buyer" and "Seller", "Customer" and "User". The term "Buyer" refers to an investor who, through winning an auction or purchasing an invoice (also referred to as an "accounts payable")   outright on the FluidP2P platform, has acquired the right to receive the income due under the invoice. The Buyer has not acquired the goods or services (or any derivative right thereto) to which the invoice relates. The term "Seller" refers to a party who sells an invoice on the FluidP2P platform, whether by auction or fixed price sale. A Seller does not have to be the original issuer of the invoice sold, but he or she must be entitled to receive the income due under the invoice, or otherwise be entitled to sell or auction that right to the Buyer. The term "Customer" refers to the Customer of the Seller, to whom the invoice has been issued. The term "User" refers to any party who accesses the FluidP2P platform, whether as a Buyer, a Seller, or otherwise.

Please read the User Agreement carefully, as it sets out the rights and obligations of all Users. Certain transactions, such as the sale of invoices, require Users to agree to be bound by the terms of the User Agreement.

User Agreement

All Buyers and Sellers on the FluidP2P platform must adhere to this User Agreement. 

We are a marketplace that allows Users to offer, sell and buy invoices, also know as "accounts receivable" in a variety of sales formats.

We do not take or have possession of anything listed or sold through our platform, and we are not involved in the actual transaction between Buyers and Sellers. The contract for the sale is directly between Buyer and Seller.

We do not guarantee to make good payments between the Buyer and Seller.     

While we may provide pricing, listing and other guidance as part of our services, such guidance is solely informational and you may decide to follow it or not. We do not routinely review Users' listings or content, although we reserve the right to do so.  

 While we may help facilitate the resolution of disputes through various programmes, we have no control over and do not guarantee the existence or legality of accounts payable advertised; the truth or accuracy of Users’ content or listings; the ability of Sellers to sell accounts payable; the ability of Buyers to pay for accounts payable; or that a Buyer or Seller will actually complete a transaction.

Sellers must have a valid payment method on file with us at all times. By placing lots on website you authorise us to automatically charge your chosen payment method in accordance with this User Agreement and the applicable billing agreement(s) you agree to when setting up or changing your payment method, for future charges and fees incurred in relation to the Services provided by us. This includes, but is not limited to, amounts owed for listing and final fees. Where possible we will notify you of these charges. If payments or amounts owed to us cannot be completed through the payment method on file for any reason, you remain obligated to pay us for all unpaid amounts and we reserve the right to seek reimbursement through other means plus any additional costs incurred by us in seeking reimbursement. You can change your payment method for use on FluidP2P at any time.

Listing conditions

When listing an item, you agree to comply with the following guidelines:

  • You are responsible for the accuracy and content of the listing and item offered.
  • Your listing may not be immediately searchable by keyword or category for a few hours.
  • Content that violates any of our policies may be deleted at our discretion.


When buying an item, you agree that:

  • You are responsible for reading the full item listing before making a bid or commitment to buy.
  • You enter into a legally binding contract to purchase an account receivable when you commit to buy an account receivable, your offer for an account receivable is accepted, or if you have the winning bid (or your bid is otherwise accepted).
  • We do not transfer legal ownership of accounts receivable from the Seller to the Buyer.



We cannot guarantee refunds will be possible. If you change your mind after purchasing an invoice you contact us and we will contact the original Seller to understand if they would be willing to refund the cost. Our commission from both Seller and Buyer are non-refundable, and would be excluded from any refund arrangements.


Role of the Seller


By selling an invoice through FluidP2P, the Seller is agreeing to act as a paying agent in respect of the invoice settlement. This means that when the Seller's Customer settles the invoice, the Seller is obliged to transfer the full amount of the settlement to FluidP2P, using the following account details:


A/c number: 10151114

Sort code: 20-74-09    


Transfer of the full amount of the settlement should take place as soon as possible. If the transfer is not received by FluidP2P within 21 days from the date of the receipt of the settlement between the Seller and the Seller's Customer, we reserve the right to charge the Seller an administration fee of GBP 10.