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Flowpay
Flowpay is a fintech that provides flexible, non-purpose financing of up to €100,000 for SMEs, fully online with zero paperwork and applications in minutes.
Flowpay
Flowpay is a fintech that provides flexible, non-purpose financing of up to €100,000 for SMEs, fully online with zero paperwork and applications in minutes. It was built by entrepreneurs to help small businesses access working capital for inventory, operations, marketing, and expansion. Offers are personalized using AI and connected business data such as POS, e-commerce, accounting, and bank data.
General information
Firm type
Asset Manager
Year founded
2021
Location
Region
Europe
Country
Czech Republic
City
Prague
Corporate office
Prague, Czech Republic
Principals
Vladislav Bogdanov
Founder & Owner, La Forme Café & Bakery (testimonial subject)
Sector focus
Frequently asked questions
How does Flowpay underwrite loans differently than a traditional bank?
Flowpay requires no paperwork. It connects to a borrower’s point-of-sale, e-commerce platform, accounting software, and bank accounts to analyze real-time business performance. A proprietary AI model uses that data to generate a personalized financing offer and decision, bypassing the manual documentation and lengthy approval cycles typical of traditional bank SME lending.
What is the maximum loan size Flowpay will extend to a single borrower?
The firm’s website states a maximum loan size of €100,000. All financing is structured as non-purpose business loans, meaning borrowers can allocate the funds across inventory, expansion, marketing, or operating expenses without restriction on specific use of proceeds.
In which geographies is Flowpay currently active?
All publicly surfaced borrower testimonials and operational indicators point to the Czech Republic as the firm’s primary active market. The firm’s headquarters are in Prague, and the local businesses featured on its website span Czech hospitality, specialty wine, sunglasses, e-commerce, and food services. Expansion into other European jurisdictions has not been publicly confirmed.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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