Partner Spotlight: Flex
Quick Look
- Flex offers a Net-60, 0% interest credit line inside a full financial platform for business owners
- ShipOffers clients earn up to 2.3% cash back on ad spend with the Flex Rewards Card
- Flex Elite, a new consumer credit card with premium rewards, concierge access, and Flex Travel, launched September 24
- The company has surpassed $20B in annualized total payment volume and now serves clients in 170+ countries
Scaling an offer creates a cash flow gap that rarely shows up in the projections. Ad spend and fulfillment costs go out the door well before revenue from those orders comes back in, and the faster a campaign grows, the wider that gap gets.
For years, the options for closing it were limited. Founders could wait on a traditional bank to approve a line of credit, or they could give up equity to raise capital. Today, more operators are looking for a different path: flexible working capital they can access on their own timeline without giving up ownership.
That’s the space Flex was built for.
From Charge Card to Financial Platform
Flex started as a Net-60 credit card, and that foundation is still at the center of what it offers. Today, Flex provides a Net-60, 0% interest credit line, giving business owners up to 60 days to pay for purchases without interest. For an operator running paid traffic, that window can help bridge the gap between spending on ads and collecting revenue from the orders those ads generate.
ShipOffers clients also get added value on the spend side. With the Flex Rewards Card, they earn up to 2.3% cash back on ad spend, which becomes a meaningful return for brands scaling across multiple campaigns.
Around those core products, Flex has built a full financial platform that brings a company’s financial tools under one login. For ShipOffers clients managing ad spend and supplier payments across multiple markets, that means fewer systems to reconcile and a clearer view of cash flow.
- Business banking and global payments for managing and moving money across borders
- Bill Pay Later and Flex Capital for working capital when timing matters most
- Expense management to keep spending organized as teams grow
- A developer API, now open to alpha customers, that lets companies build financial tools directly into their own workflows
Flex began in the US and now serves clients in more than 170 countries. For ShipOffers clients already shipping to customers worldwide, their financial tools can reach as far as their orders do.
As the platform has expanded, Flex has also invested in compliance and relationship management. Every client receives VIP onboarding, ongoing support, and a dedicated relationship manager, so partner-referred clients get a high-touch, well-governed experience as Flex continues to scale.
Flex Elite Brings Personal and Business Finance Together
One of the biggest shifts in the market Flex is seeing is that business owners now expect the same premium experience across their personal and business finances.
On September 24, Flex publicly launched Flex Elite, a consumer credit card built for ambitious individuals. Cardholders get premium rewards like up to 5% cash back on all personal spend, Flex Concierge access, and exclusive access to Flex Travel, all on the same login and platform they use to run their business.
The launch caps a strong stretch for Flex, which has now surpassed $20B in annualized total payment volume.
Growing in the Affiliate Space
This year, Flex more than doubled its event presence, with a growing focus on the affiliate and creator world. That includes partnerships with Affiliate World and Affiliate Takeover, two of the most established names in the affiliate space.
Here’s where you can find the Flex team through the rest of the year:
- Affiliate Grand Slam at SiGMA World Rome (November 2-5), where Flex is a sponsor
- Affiliate World Asia in Bangkok (December 9-10), where Flex is the exclusive sponsor
Being in the rooms where affiliates and operators gather is a big part of how Flex connects with the founders it was built to serve.
Looking Ahead
ShipOffers and Flex work with the same kind of client: operators who are ready to scale and want partners who can keep pace. ShipOffers handles the product and fulfillment side, getting orders to customers in 120+ countries. Flex gives those same operators the financial flexibility to fund that growth on their own timeline.
Connecting clients with partners who make their businesses run more smoothly has always been the goal of these introductions. For operators looking for more control over their working capital, Flex is a strong place to start.
ShipOffers clients can get started with Flex through our VIP referral link to earn 2.3% cash back on ad spend with the Flex Rewards Card. You can also explore Flex Elite at flex.one/elite and follow Flex on X, Instagram, and LinkedIn.
October 16, 2026
Quick Look
- Flex offers a Net-60, 0% interest credit line inside a full financial platform for business owners
- ShipOffers clients earn up to 2.3% cash back on ad spend with the Flex Rewards Card
- Flex Elite, a new consumer credit card with premium rewards, concierge access, and Flex Travel, launched September 24
- The company has surpassed $20B in annualized total payment volume and now serves clients in 170+ countries
Scaling an offer creates a cash flow gap that rarely shows up in the projections. Ad spend and fulfillment costs go out the door well before revenue from those orders comes back in, and the faster a campaign grows, the wider that gap gets.
For years, the options for closing it were limited. Founders could wait on a traditional bank to approve a line of credit, or they could give up equity to raise capital. Today, more operators are looking for a different path: flexible working capital they can access on their own timeline without giving up ownership.
That’s the space Flex was built for.
From Charge Card to Financial Platform
Flex started as a Net-60 credit card, and that foundation is still at the center of what it offers. Today, Flex provides a Net-60, 0% interest credit line, giving business owners up to 60 days to pay for purchases without interest. For an operator running paid traffic, that window can help bridge the gap between spending on ads and collecting revenue from the orders those ads generate.
ShipOffers clients also get added value on the spend side. With the Flex Rewards Card, they earn up to 2.3% cash back on ad spend, which becomes a meaningful return for brands scaling across multiple campaigns.
Around those core products, Flex has built a full financial platform that brings a company’s financial tools under one login. For ShipOffers clients managing ad spend and supplier payments across multiple markets, that means fewer systems to reconcile and a clearer view of cash flow.
- Business banking and global payments for managing and moving money across borders
- Bill Pay Later and Flex Capital for working capital when timing matters most
- Expense management to keep spending organized as teams grow
- A developer API, now open to alpha customers, that lets companies build financial tools directly into their own workflows
Flex began in the US and now serves clients in more than 170 countries. For ShipOffers clients already shipping to customers worldwide, their financial tools can reach as far as their orders do.
As the platform has expanded, Flex has also invested in compliance and relationship management. Every client receives VIP onboarding, ongoing support, and a dedicated relationship manager, so partner-referred clients get a high-touch, well-governed experience as Flex continues to scale.
Flex Elite Brings Personal and Business Finance Together
One of the biggest shifts in the market Flex is seeing is that business owners now expect the same premium experience across their personal and business finances.
On September 24, Flex publicly launched Flex Elite, a consumer credit card built for ambitious individuals. Cardholders get premium rewards like up to 5% cash back on all personal spend, Flex Concierge access, and exclusive access to Flex Travel, all on the same login and platform they use to run their business.
The launch caps a strong stretch for Flex, which has now surpassed $20B in annualized total payment volume.
Growing in the Affiliate Space
This year, Flex more than doubled its event presence, with a growing focus on the affiliate and creator world. That includes partnerships with Affiliate World and Affiliate Takeover, two of the most established names in the affiliate space.
Here’s where you can find the Flex team through the rest of the year:
- Affiliate Grand Slam at SiGMA World Rome (November 2-5), where Flex is a sponsor
- Affiliate World Asia in Bangkok (December 9-10), where Flex is the exclusive sponsor
Being in the rooms where affiliates and operators gather is a big part of how Flex connects with the founders it was built to serve.
Looking Ahead
ShipOffers and Flex work with the same kind of client: operators who are ready to scale and want partners who can keep pace. ShipOffers handles the product and fulfillment side, getting orders to customers in 120+ countries. Flex gives those same operators the financial flexibility to fund that growth on their own timeline.
Connecting clients with partners who make their businesses run more smoothly has always been the goal of these introductions. For operators looking for more control over their working capital, Flex is a strong place to start.
ShipOffers clients can get started with Flex through our VIP referral link to earn 2.3% cash back on ad spend with the Flex Rewards Card. You can also explore Flex Elite at flex.one/elite and follow Flex on X, Instagram, and LinkedIn.
