Founded in 2021, Flowpay has built an AI-powered platform that embeds directly into point-of-sale systems, e-commerce platforms, and other data sources to assess real-time business performance and extend tailored working-capital loans of up to €100,000 to small and medium-sized enterprises. Rather than focusing solely on traditional risk metrics, its algorithms evaluate a company’s growth potential, automating everything from application to risk assessment. Flowpay’s fully digital workflow eliminates paperwork, giving SMEs rapid access to flexible financing that supports day-to-day operations and expansion. The company currently operates in the Czech Republic, Slovakia, and, as of its latest launch, the Netherlands. Participation in the ABN AMRO + Techstars Future of Finance Accelerator helped catalyze its Dutch market entry. Management’s ambition is to scale across Europe and position Flowpay as a leading embedded-finance unicorn closing the continent’s €400 billion SME funding gap. To fuel this expansion, Flowpay recently secured a €30 million lending facility that will be on-lent to customers, bolstering its balance sheet without diluting equity.

Total raised

$38M

Funding rounds

2

Latest round

Equity

Latest activity

Mar 2025