We started Fluck to solve a real problem for the people and shops we love.
It used to take five apps just to split a bill, plan dinner and check loyalty points. And your favourite local café? Losing regulars to chains with million-pound CRM systems, while still using a paper stamp card. We thought there had to be a better way, for both sides.
That's what we're building.
How it started
Two frustrations, one idea
Fluck started with a feeling most of us know. Splitting a bill turned into spreadsheets and awkward reminders. Planning a weekend took five chats and still no clear plan. And the rewards from the places we visited most sat scattered across apps we had long forgotten.
Our founders kept noticing the other half of the story too. The independent cafés and shops they loved were run by people who knew every regular by name, yet had none of the tools the big chains use to bring them back. Wonderful service, and no way to build on it.
Coming from banking, engineering and data, we knew this was solvable. Not with one more single-purpose app, but with one place that connects people to the places they spend, and hands small businesses the kind of tools that used to be locked behind enterprise budgets.
“We didn't want to add one more app to the pile. We wanted to build the one that finally ties them together.”
What we believe in
Innovation
We build things that don't exist yet. When we see a broken process, we fix it with technology.
Transparency
No hidden fees, no dark patterns. If something costs money or uses your data, we tell you upfront.
Simplicity
If it takes more than three taps, we haven't finished designing it. Complex problems deserve simple solutions.
Community
We build for real relationships: friends sharing costs, locals supporting their high street, partners growing together.
Impact
Technology should help communities, not just shareholders. We put money where our values are.
Trust
Your data is yours. We are clear about what we collect, we never sell it, and you choose what you share.
One Fluck, three ways in
The idea is simple: visit a shop on Fluck and you earn rewards, split the bill and leave a review, while the business sees it all in one place. That is how the three connect.
For people
Split bills, plan meetups, earn rewards and keep loyalty cards in one place. Free.
Explore the app →For businesses
Reputation, digital loyalty, one inbox and customer insights. The tools big brands have, made affordable.
See business tools →For partners
Earn recurring commission helping local businesses discover Fluck. Referral, sales and reseller options.
Join as partner →Our mission
Simplify everyday life for people and level the playing field for local businesses. Give everyone the AI tools, useful data and connected experiences that were once only available to big companies with big budgets.
Our vision
Build the everyday app for social life and local business. A place where people organise their lives, local businesses grow their customer base, and communities thrive together. We start close to home, then take it worldwide.
Our journey so far
Fluck started with two frustrations: people need half a dozen apps to manage daily life, and small businesses can't compete with chains that have million-pound loyalty tech. We set out to fix both.
Selected for Microsoft for Startups and Atlassian for Startups. Set up at the University of Essex Innovation Centre and started building our engineering team.
Consumer app and business portal in active development. Featured by Republic. Team grew to 10+ across engineering, design, data and strategy.
Preparing for launch. Partner programme live. Building the ecosystem one community at a time.
The humans behind Fluck
Three co-founders and a team of 10+ engineers, designers and strategists, working from Colchester, UK.
Nabeel Bin Muhammed
Founder & CEO
Former HSBC and Amazon. MBA from the University of Essex. Started Fluck after years of juggling fragmented apps for money, plans and local services.
Sreejith Sivankutty
Co-Founder & CPO
Mechatronics engineer and product builder. MSc in Intelligent Systems from Essex. From the robotics world, where intuitive design isn't optional.
Muhathaz Gaffoor
Co-Founder & CDO
Data scientist and strategist. MSc in Data Science from Essex. Ranked top 0.2% in India's UPSC exam. Turns raw data into insights that help people save.
Building for good
We think tech companies should give back, not just grow. A portion of Fluck's revenue will go to local food banks, youth financial-literacy programmes and small-business grants in the communities we serve. We're looking for charitable partners who share that goal.
Get in touch: impact@fluckai.comBuild the everyday differently, with us
Whether you plan, chat and split with friends or run a business that people love — there is a place for you here.
Recognised & supported by
Selected
Selected
Featured
Innovation CentreFluck AI LTD is registered in England & Wales (Company No. 15723506). Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex CO4 3ZQ.