Fluide
One unified operating system for every organization mode.
Fluide Business helps SMEs, startups, NGOs, funds, portfolio companies, and financial institutions manage operations, people, money, reporting, performance, and growth through one connected business and financial workspace.
Work with connected HR, Payroll, Jobs, Books, Stock, Pay, Finance, Protect, Reports, Workflows, and Documents capabilities in one unified experience shaped by your subscription level, team size, role permissions, and operating needs.
Profitability for SMEs. Runway for startups. Impact for nonprofits. Returns for funds. Risk management for financial institutions.
Most organizations outgrow disconnected systems before they outgrow their ambition.
Organizations across Africa are growing, but many still depend on spreadsheets, notebooks, WhatsApp messages, manual payroll, scattered payment records, weak reports, and incomplete financial visibility.
SMEs need profitability reports. Startups need runway clarity. NGOs need donor and fund accountability. Funds need portfolio visibility. Financial institutions need risk dashboards. Executives need trusted records but often do not have the internal capacity to manage systems every day.
Records are disconnected
People, payroll, books, stock, payments, finance, and reports often live in separate places.
Accounting does not fit every organization
SMEs, startups, NGOs, funds, and financial institutions do not manage money the same way.
Leaders lack visibility
Executives need accurate dashboards, reports, and controls to make decisions.
Teams lack internal capacity
Many organizations do not have accountants, HR managers, payroll experts, grant managers, or operations staff.
Growth requires trusted records
Without structured data, organizations struggle to raise capital, report impact, access finance, or manage risk.
Fluide Business brings your organization's operations, money, people, and reports into one connected system.
Fluide Business gives organizations one connected workspace for daily operations, role-based access, workflows, reports, and mode-specific accounting.
Choose the mode that matches your organization, connect your team, and work with capabilities shaped by your subscription level, team size, permissions, and business profile.
Your organization does not need another disconnected system. It needs one operating workspace that understands its model.
One accounting foundation. Multiple operating models.
Fluide is powered by Multi-Mode Accounting — a flexible accounting and reporting system that adapts to different organization types.
Multi-Mode Accounting
- An SME needs profit and cash flow.
- A startup needs runway and investor reporting.
- An NGO needs grants and fund restrictions.
- A fund manager needs investment and portfolio performance.
- A financial institution needs lending, deposits, and risk management.
Fluide gives each organization the right financial view.
Operating modes
Choose the mode that matches your organization.
Each operating mode reshapes dashboards, records, workflows, and reporting around the way your organization actually works.
SME Mode - Operations & Profitability
Manage sales, expenses, stock, payroll, invoices, customers, suppliers, receivables, payables, cash flow, and profitability.
Explore SME ModeStartup Mode - Growth & Fundraising
Track burn rate, runway, growth metrics, fundraising pipeline, investor updates, team costs, milestones, and board reports.
Explore Startup ModeNGO & Nonprofit Mode - Funds & Impact
Manage grants, restricted funds, donor reports, program budgets, beneficiaries, volunteers, procurement, and impact metrics.
Explore NGO ModeFund & Portfolio Mode - Investments & Returns
Track capital deployed, portfolio companies, investment rounds, valuations, returns, investor reports, fund expenses, and portfolio health.
Explore Fund ModeFinancial Institution Mode - Lending, Deposits & Risk Management
Monitor borrowers, savers, deposits visibility, repayments, arrears, portfolio risk, branch performance, officer performance, and liquidity.
Explore Financial Institution ModeUnified Business Platform
One platform. One workspace. Every function connected.
Fluide Business gives organizations one connected place to manage people, payroll, books, stock, payments, finance, protection, reports, workflows, and trust. Your experience adapts to your subscription level, team size, user roles, and business profile - so your team gets the right capabilities without switching between disconnected tools.
People & Work
Manage employee records, HR workflows, payroll, roles, permissions, leave, jobs, and team activity from one connected workspace.
Money & Records
Track income, expenses, books, payments, stock, receipts, financial reports, and operational records in one continuous business system.
Finance & Trust
Turn verified operations, payroll, payments, records, and reports into trust signals that support financial readiness and responsible growth.
Reports & Decisions
See your organization's performance clearly through connected dashboards, reports, approvals, and insights based on real operating activity.
Workflows & Control
Create approval flows, assign tasks, manage permissions, track activity, and keep every operational process visible and accountable.
Protection & Growth
Access protection, benefits, finance readiness, partner services, and growth support through the same unified Fluide environment.
Fluide Business is designed so every record strengthens the next workflow. Payroll informs reports. Payments connect to books. Stock affects cash flow. HR supports payroll. Operations build trust. Everything works together.
Dashboards that match what you actually manage.
SME Dashboard
- Revenue
- Expenses
- Profit
- Cash flow
- Stock alerts
- Payroll due
- Receivables
- Payables
Startup Dashboard
- Runway
- Burn rate
- MRR/ARR
- Growth metrics
- Fundraising stage
- Investor updates
- Team cost
- Cash position
NGO Dashboard
- Grant balances
- Program expenses
- Restricted funds
- Beneficiaries served
- Donor reports
- Budget vs actual
- Impact indicators
Fund Dashboard
- Capital deployed
- Portfolio companies
- Returns
- Valuations
- Investor reports
- Sector exposure
- Portfolio health
Financial Institution Dashboard
- Active borrowers
- Deposits visibility
- Repayment rate
- Portfolio at risk
- Arrears
- Branch performance
- Officer performance
- Liquidity view
No internal team? Hire a Fluide Certified Virtual Manager.
Many owners, founders, NGO executives, fund managers, and financial institution leaders want better systems but do not have the time or internal capacity to manage them daily.
Fluide Certified Virtual Managers are verified professionals who can support selected workflows or manage your Fluide Business workspace on your behalf.
You stay in control. They only access what you authorize, and every action is logged.
Virtual Manager Types
Virtual Accountant / Virtual HR Manager / Virtual Payroll Manager / Virtual Operations Manager / Virtual Finance Manager / Virtual Grant Manager / Virtual Portfolio Manager / Virtual Credit Operations Manager / Virtual Compliance Manager / Virtual Industry Manager
Access levels
- View Only
- Prepare Only
- Submit for Approval
- Limited Operator
- Full Capability Manager
- Admin Delegation
Trust controls
- verified identity
- audit logs
- access revocation
- client-controlled permissions
From setup to daily operations to growth decisions.
Step 1
Choose your organization mode
Select SME, Startup, NGO, Fund, Portfolio, or Financial Institution mode.
Step 2
Use connected capabilities
Work with HR, Payroll, Jobs, Books, Stock, Pay, Finance, Protect, Reports, Workflows, and Documents capabilities based on your plan, team size, roles, and operating needs.
Step 3
Configure roles and permissions
Invite team members, assign roles, set access levels, and define approval workflows.
Step 4
Build your records
Capture people, money, operations, payments, invoices, stock, grants, investments, loans, or reports.
Step 5
View dashboards
Track the metrics that matter to your mode: profitability, runway, impact, returns, or risk.
Step 6
Connect the ecosystem
Connect Pulse, Finance, Capital, Academy, PartnerHub, Connect, Virtual Managers, and industry workflows.
Step 7
Grow with confidence
Use trusted records to access capital, improve operations, report to stakeholders, and scale.
Connected ecosystem
Fluide connects to the wider Fluide ecosystem.
Business records, worker apps, capital readiness, learning, APIs, partner services, and institution-grade infrastructure work together as one connected ecosystem.
Fluide Pulse
Give employees, freelancers, students, and workers a personal app for work, money, income, career, protection, and financial wellness.
Visit Fluide PulseFluide Finance
Build business reserves, finance readiness, staff wellness, and community financial growth.
Visit Fluide FinanceFluide Capital
Use trusted records to prepare for working capital, invoice finance, payroll float, inventory finance, and investor-backed capital.
Visit Fluide CapitalFluide PartnerHub
Access service providers, ESOs, program partners, Virtual Managers, and implementation support.
Visit Fluide PartnerHubFluide Connect
Connect APIs, partner services, data flows, service marketplaces, and developer workflows.
Visit Fluide ConnectFluide Bank
For financial institutions needing deeper core banking, ledger, accounts, savings, loans, APIs, and BaaS infrastructure.
Visit Fluide BankBuilt for control, permissions, and accountability.
Fluide is designed for organizations that need structure and trust. Role-based access, approval flows, audit logs, and permissions help you control what every user or Virtual Manager can see, prepare, submit, approve, or manage.
You control who sees what, who does what, and what requires approval.
Built for the way different organizations operate.
SME Owner
Manage stock, payroll, expenses, invoices, payments, and profitability from one connected workspace.
Startup Founder
Track runway, burn rate, growth, investor updates, and team costs while preparing for fundraising.
NGO Executive
Track restricted funds, program spending, donor reports, beneficiaries, procurement, and impact metrics.
Fund Manager
Monitor portfolio companies, capital deployed, performance, valuations, and investor reports.
Financial Institution Leader
Monitor borrowers, repayments, branch performance, risk, deposits visibility, and institutional reports.
Busy Executive
Hire a Virtual Manager to operate your workspace while you review dashboards and approve key actions.
Flexible plans for different organization modes.
Starter (small teams)
Core workspace, basic Books, basic HR, basic reports, limited users
Essential (growing organizations)
HR, Payroll, Books, Stock, Pay, Reports, Workflows, more users
Growth (deeper controls)
Multi-Mode Accounting, advanced dashboards, approvals, documents, Finance, Protect, integrations, priority support
Enterprise / Institution (custom)
Custom mode configuration, advanced permissions, custom reports, integrations, Virtual Manager support, implementation support, dedicated account management
Ready to run your organization with clarity?
Choose your mode, connect your team, and manage your organization with subscription-based capabilities, visibility, controls, reports, and expert support.