Stablecoins : 24h/24, 7j/7, 365j/an
2.5x
Deposit USDC or USDT from any external wallet, a linked exchange, or via ACH or wire from your existing bank. Your balance is held in a non-custodial wallet under your control.
60 days
of cash flow flexibility — to keep growing the business before payments come in
3 cities
with all event spend managed in one place and tagged by project
“ We tried several fintech platforms before choosing Flex, but none of them offered the level of support or functionality we were looking for… Flex was the first partner that felt like it was built to support businesses like ours.”
Silvana Liscano & Isabella De Yavorsky, Founders,
WellUp Collective — Miami / New York / Los Angeles
“ We tried several fintech platforms before choosing Flex, but none of them offered the level of support or functionality we were looking for… Flex was the first partner that felt like it was built to support businesses like ours.”
WellUp fixed the gap between paying vendors and getting paid. Event volume grew 2.5x.
WellUp Collective builds the health-and-wellness experiences that brands are remembered for: activations, high-profile community events and influencer-led programming across Miami, New York and Los Angeles. “Creating the wellness experiences people talk about for months” is how it has been described.
Externally, the agency is growing and speaks to more than 320 brand partners, over 10,000 event attendees, and 50 million client impressions. Internally, the number in focus is the one that governs everything. The number of days between paying for an event and getting paid for it.
Venues want deposits. Vendors and production partners invoice on their own terms. Talent gets booked before a single guest walks in. All of it is fronted by the WellUp Collective team — often weeks before the client reimburses. For an agency of this size, that timing gap is the real constraint on growth. Not demand, not talent, not ideas. Timing.
Traditional banking made that gap worse, and the fintech platforms WellUp tried after leaving the traditional banking world did not make it better. This is the story of what changed when the founders stopped shopping for a bank account and started looking for a financial partner: sixty-day terms on the spend that goes out first, expenses that organize themselves by project, and a representative who answers a text on the night of an event load-in.
The Pain Points
The search started for a simple reason. "We started looking for a new banking partner because traditional banking wasn't keeping up with the way our business operates," the founders said.
Five things kept breaking:
- Limited cash flow. Every event was funded out of the agency's own working capital until the client reimbursed, so the calendar was capped by what was in the account rather than by demand.
- Low credit limits. Where credit was offered, it was too small to cover a single production.
- Expenses would not be categorized. With events running concurrently in three cities, spend arrived as an undifferentiated feed rather than as costs attached to a project.
- Receipts had nowhere to go. There was no way to upload a receipt directly to the transaction it belonged to, which turned every reconciliation into a search.
- No way to spin up a temporary or virtual card. The exact instrument an agency needs when a one-off vendor has to be paid for an activation.
Better software fixes the last three. The first two are not software problems at all — they are decisions someone made about how much this business was worth extending.
And according to the founders, neither of these was truly the deepest problem.
"Above all, the biggest issue was the lack of responsive, high-quality customer service. We wanted a banking partner that was reliable and easy to work with."
So they went looking and worked through several platforms before Flex. A fintech tour. The pattern repeated.
The pattern was similar with credit. In their words: “...We either weren't approved for meaningful credit limits from the start, or in some cases, we weren't even issued a credit card.
"Which is the trap. An agency that fronts production costs needs payment terms because of timing, not because of risk — the client reimbursement is coming, it is simply coming later than the venue deposit. Being a small client is exactly the moment that gap bites hardest, and exactly the moment most providers decline to help close it.
The Turning Point
Flex addressed the problems at once: the timing of the money going out, and the record-keeping on the way back in.
- On the terms side, WellUp runs event spend on Flex’s Net-60 card, which now allows up to 60 days to pay.
- On the operations side, the platform does what the founders had been asking for all along — expenses categorized by project, receipts attached directly to individual transactions, team spending made visible in one place and card controls that include virtual and temporary cards for one-off vendors.
“In our business, we have to pay venues, vendors, production partners, and other event expenses upfront — often weeks before our clients reimburse us. Having up to 60 days to pay gives us the flexibility to manage cash flow, take on more projects at once, and scale the business without being constrained by timing.”— Silvana Liscano & Isabella De Yavorsky, FoundersAnd underneath both, a dedicated representative who knows the business (and the founders) by name.
The Impact
The clearest measure of change is capacity. WellUp is no longer pacing its calendar against its receivables. Where every event used to be funded out of the agency's own working capital until a client reimbursed, the team was able to more than double the number of events produced in a single month.
Wellup Collective
Experiential marketing & Wellness Coaching
Experiential marketing & Wellness Coaching
Limited Cash
FlowLow
Credit Limits
No Financial Visibility
No Employee Card Program
Unresponsive Service
Manual Reconciliation
(Limited Expense Categorization)
Net-60,
Expense Management
WellUp Collective is a premier agency for health and wellness experiences, founded and run by Silvana Liscano and Isabella De Yavorsky. The team designs and produces brand activations, luxury community events and influencer-led programming in Miami, New York and Los Angeles. The team works across all facets of their events, including brand partnerships, creative and content strategy, experiential wellness production, and brand partnership amplification amongst the influencer and founder community. To date the agency reports more than 320 brand partners, over 10,000 event attendees and 50 million client impressions.
“The payment float has significantly increased our capacity. With the flexibility Flex provides, we can comfortably run 10 events per month, which was previously 4 events per month, without cash flow becoming a bottleneck. Instead of waiting for client reimbursements before taking on new projects, we can continue moving forward, which has improved our bandwidth and allowed us to grow the business much faster.”
— Silvana Liscano & Isabella De Yavorsky, Founders
WellUp fixed the gap between paying vendors and getting paid. Event volume grew 2.5x.
WellUp Collective builds the health-and-wellness experiences that brands are remembered for: activations, high-profile community events and influencer-led programming across Miami, New York and Los Angeles. “Creating the wellness experiences people talk about for months” is how it has been described.
Externally, the agency is growing and speaks to more than 320 brand partners, over 10,000 event attendees, and 50 million client impressions. Internally, the number in focus is the one that governs everything. The number of days between paying for an event and getting paid for it.
Venues want deposits. Vendors and production partners invoice on their own terms. Talent gets booked before a single guest walks in. All of it is fronted by the WellUp Collective team — often weeks before the client reimburses. For an agency of this size, that timing gap is the real constraint on growth. Not demand, not talent, not ideas. Timing.
Traditional banking made that gap worse, and the fintech platforms WellUp tried after leaving the traditional banking world did not make it better. This is the story of what changed when the founders stopped shopping for a bank account and started looking for a financial partner: sixty-day terms on the spend that goes out first, expenses that organize themselves by project, and a representative who answers a text on the night of an event load-in.
The Pain Points
The search started for a simple reason. "We started looking for a new banking partner because traditional banking wasn't keeping up with the way our business operates," the founders said.
Five things kept breaking:
- Limited cash flow. Every event was funded out of the agency's own working capital until the client reimbursed, so the calendar was capped by what was in the account rather than by demand.
- Low credit limits. Where credit was offered, it was too small to cover a single production.
- Expenses would not be categorized. With events running concurrently in three cities, spend arrived as an undifferentiated feed rather than as costs attached to a project.
- Receipts had nowhere to go. There was no way to upload a receipt directly to the transaction it belonged to, which turned every reconciliation into a search.
- No way to spin up a temporary or virtual card. The exact instrument an agency needs when a one-off vendor has to be paid for an activation.
Better software fixes the last three. The first two are not software problems at all — they are decisions someone made about how much this business was worth extending.
And according to the founders, neither of these was truly the deepest problem.
"Above all, the biggest issue was the lack of responsive, high-quality customer service. We wanted a banking partner that was reliable and easy to work with."
So they went looking and worked through several platforms before Flex. A fintech tour. The pattern repeated.
The pattern was similar with credit. In their words: “...We either weren't approved for meaningful credit limits from the start, or in some cases, we weren't even issued a credit card.
"Which is the trap. An agency that fronts production costs needs payment terms because of timing, not because of risk — the client reimbursement is coming, it is simply coming later than the venue deposit. Being a small client is exactly the moment that gap bites hardest, and exactly the moment most providers decline to help close it.
The Turning Point
Flex addressed the problems at once: the timing of the money going out, and the record-keeping on the way back in.
- On the terms side, WellUp runs event spend on Flex’s Net-60 card, which now allows up to 60 days to pay.
- On the operations side, the platform does what the founders had been asking for all along — expenses categorized by project, receipts attached directly to individual transactions, team spending made visible in one place and card controls that include virtual and temporary cards for one-off vendors.
“In our business, we have to pay venues, vendors, production partners, and other event expenses upfront — often weeks before our clients reimburse us. Having up to 60 days to pay gives us the flexibility to manage cash flow, take on more projects at once, and scale the business without being constrained by timing.”— Silvana Liscano & Isabella De Yavorsky, FoundersAnd underneath both, a dedicated representative who knows the business (and the founders) by name.
The Impact
The clearest measure of change is capacity. WellUp is no longer pacing its calendar against its receivables. Where every event used to be funded out of the agency's own working capital until a client reimbursed, the team was able to more than double the number of events produced in a single month.
You don’t have to run an events business to relate.
When a business fronts costs, the days between paying and being paid set how many projects it can run at once. Extending the window raises the ceiling.
Credit capacity that can cover multiple projects at once gives the team room to take on more opportunities.
Expense details captured at the moment of spend and attached to the project they came from are the difference between reconciliation and archaeology.
Virtual and temporary cards let a small team delegate spending across markets and one-off vendors without losing track of what belongs to which event.
Being a smaller client is when responsive service matters most — and it is usually the first thing a provider withdraws.
Meet the Flex rep who will know your team by name
Flex is built for the most ambitious business owners.
One platform, wherever your business takes you.
©2026 Flexbase Technologies, Inc., all rights reserved. Flex products may not be available to all customers. See the Flex Terms of Service for details. Terms are subject to change.
Under applicable law, you may have the right to opt out of the “sale” of your personal information, as well as “sharing” of your personal information for cross-context behavioral advertising. To opt out of sale and sharing of your personal information, please fill out the form below. If required by law, we will not sell or share your personal information.
Additionally, our use of third-party tracking technologies on our website could be considered a “sale” of your personal information. Please review our cookie banner by clicking the link below and choose “Reject” to stop third-party tracking technologies from collecting your personal information.
To opt out of any offline sale or sharing of your personal information, or to exercise any other rights that may be available to you under applicable laws, please fill out the form below.