Apply for a Fluz Business Account
How to set-up your business account, business resources, convert to a business account
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Written by Amador
Updated yesterday


Why upgrade to a Business Account?

  • Spend up to $250,000 daily

  • Access to the Power Portal

    • The Power Portal is an exclusive platform with a user experience made for Business:

      • Track 1.5% cash back earnings available wherever Visa is accepted

      • Visibility on daily spend limits and how much more you can spend

      • Download your transactions in bulk via a .csv file

      • Process bulk updates on transaction activity

  • Early access to beta features

  • Access to a dedicated Fluz Power Sidekick

  • Enjoy special promotions and exclusive rates

Want to learn more about the benefits of a Business account? Speak to a Power Sidekick.



What documents do I need to apply for a business account?

For LLC & Corporations:

  • EIN letter

  • Business Bank Statement

  • Articles of Incorporation

For Sole Proprietorships and Partnerships:

  • Business Bank Statement

  • Document/s that will establish Sole Proprietorship such as:

    • EIN Letter, Business License, Certificate of Trade Name, DBA Certificate

Do I need to provide an EIN for my business?

We’ll only ask you to provide an EIN if you use one.

If your business does not have an EIN, you can create a business profile as a sole proprietor, using your personal information, and SSN or ITIN instead. As an addition to this, we'll only be asking for documentation that shows the establishment and legitimacy of the sole proprietorship.




I already have access to the Power Portal, do I still need to apply for a Business account?

Yes. A business account will be required for continued access to the Power Portal. To maintain access, submit your business applications before July 1, 2023. Otherwise, you may still access your Fluz account via the mobile app. Need help? Speak to a Power Sidekick.

Need help setting up a business? Below are resources to get you started.

Setting up a business and a business bank account

  • Stripe - Stripe Atlas is a powerful, safe, and easy-to-use platform for forming a company. By removing lengthy paperwork, legal complexity, and numerous fees, Stripe Atlas helps you launch your startup from anywhere in the world.

  • AngelList - AngelList incorporates your company in a few simple steps without an expensive legal process. Focus on your company, and we'll get you fundraising-ready.

  • Firstbase - The simplest way for anyone to launch and run a US business. Incorporate your company, access one-click growth tools, stay compliant, and manage everything your business needs — all online, from anywhere.

Setting up an LLC with a third-party system

  • Incfile - Incfile includes LLC formation, registered agent, compliance, and startup services.

  • Northwest Registered Agent - Northwest Registered agent is a national registered agent service that can better protect your privacy with the use of their business address on your public documents. Services include filing documents, expanding business formation, and compliance

  • LegalZoom - Helps you create different types of businesses (Corporations, LLCs, Sole Proprietorship, DBA, Nonprofit)

Set up a business as a non-US-resident

When non-citizens decide to open a business in the US, there are two corporate entity types they can choose from. An LLC provides limited liability and profits, and receives lower tax benefits relative to other entity types such as C-Corps or S-Corporations.

However, regardless of citizenship status, anyone can easily form an LLC as long as they meet certain requirements, such as keeping their finances separate from those managed by any hired managers (who would then report those accounts accordingly).

Read more about this at this link.

Set up a US business bank account overseas using these platforms:

  • Wise - Business banking without the high rates, hidden charges, and monthly fees. Pay employees, get paid, and manage your cash flow overseas — in one place.

  • Mercury - a financial technology company for start-ups

More questions? Feel free to reach out to one of our Fluz Sidekicks. Use the Chat option at the bottom of your screen, or if you're on the app, go to Help and chat with us.

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