Most fat is stored soon after eating it. Fat is usually eaten in the form of triglycerides. If these are small, they will go to the liver, which is a different situation. Long-chain triglycerides circulate through the blood.
The enzyme lipoprotein lipase helps triglycerides enter cells. When insulin levels are low, muscles have more lipoprotein lipase and dietary fat is directed toward muscles. When insulin levels are high, fat cells have more lipoprotein lipase and dietary fat is directed toward fat cells. Either way, it should be cleared out of the blood stream in a few hours.