  We show that a single imperfect fluid can be used as a source to obtain the
generalized McVittie metric as an exact solution to Einstein's equations. The
mass parameter in this metric varies with time thanks to a mechanism based on
the presence of a temperature gradient. This fully dynamical solution is
interpreted as an accreting black hole in an expanding universe if the metric
asymptotes to Schwarzschild-de Sitter at temporal infinity. We present a simple
but instructive example for the mass function and briefly discuss the structure
of the apparent horizons and the past singularity.
