Flow48

Flow48 offers two primary products: invoice-based financing and revenue-based financing. Both advance capital to SMEs against unpaid invoices or projected future revenues, delivering funding within 24 to 48 hours of approval. The advances do not require collateral, personal guarantees, or equity dilution.

No. Flow48 is strictly a non-dilutive financing platform. The firm markets itself explicitly against equity solutions, emphasizing that businesses retain full control and avoid the reporting obligations, dilution, and long due diligence periods associated with venture capital or angel investment.

Repayment schedules are designed to flex with the underlying business performance. The firm describes repayments as tailored to SME needs, implying a revenue-linked or percentage-of-sales remittance structure typical of revenue-based financing models. Specific terms, fee schedules, and factor rates would require direct disclosure from the platform.

Flow48's public website does not disclose its institutional capital partners, credit facility providers, or the composition of its funding vehicle. Understanding the source and cost of Flow48's own capital is essential for evaluating the sustainability and scalability of its lending operations, and this information is not currently available in public documents.

Flow48 does not publicly list a physical headquarters, office location, or regulatory jurisdiction on its website or available online profiles. The contact page provides only an embedded messaging form and no corporate address, leaving its legal domicile and licensing framework unclear.