Learn More

Lending, Finance software · Prague, Czechia

FLOWPAY

Flowpay is a Czech fintech that provides fast, fully online, non-purpose business loans of up to €100,000 to small and medium-sized businesses.

Website
flowpay.io
Headquarters
Prague, Czechia
Founded
2020

About FLOWPAY

Flowpay offers flexible working-capital financing of up to €100,000 for SMEs. Businesses apply online in minutes, and an AI-generated offer is based on connected POS, e-commerce, accounting and bank data rather than tax returns. Loans can be repaid anytime and are managed through the myFlowpay app. It serves businesses in the Czech Republic, Slovakia and the Netherlands and is embedded in e-commerce and POS platforms such as Shoptet, Storyous and Dishboard. The site reports that Flowpay was named LendTech of the Year 2026 at the Europe FinTech Awards.

What FLOWPAY offers

  • Non-purpose business loans up to €100,000
  • Working capital financing
  • AI-based personalised financing offers
  • myFlowpay app for managing financing and cash flow forecasting
  • Embedded financing via e-commerce and POS platform integrations
  • Referral program

Who FLOWPAY serves

  • Small and medium-sized businesses
  • E-commerce shops
  • Restaurants, cafés and bars
  • Retailers
  • Sole traders and entrepreneurs in the Czech Republic, Slovakia and the Netherlands

Topics

  • SME lending
  • business loans
  • working capital
  • revenue-based financing
  • embedded finance
  • AI underwriting
  • e-commerce financing
  • POS integration
  • lendtech

Similar fintech companies

  • Lemonero+395

    Lending · Prague, Czechia

    Lemonero is a fintech platform that provides white-label B2B buy-now-pay-later invoice credit and business financing, including capital and full risk coverage, to merchants, banks, payment gateways and e-commerce platforms.

  • BudgetBakers s.r.o.

    Lending, Finance software · Czechia

    BudgetBakers builds financial management apps: Wallet for personal and family finance, Board for small-business cash flow, ShareCost for splitting group expenses, and AISP, a banking API platform.

  • Dateio

    Finance software · Prague, Czechia

    Dateio provides a card-linked marketing platform and a transaction data enrichment API that help banks, fintechs and retailers get value from payment data.

  • Fidoo

    Spend, Payments, Lending · Czechia

    Fidoo is a Czech corporate finance platform that combines company accounts, payment cards and expense management into a single real-time overview.

  • Shoptet

    Payments, Lending · Prague, Czechia

    Shoptet is a Czech e-commerce platform for building and running online stores, with its own payments, shipping, marketing and financing services.

  • Skip Pay

    Lending, Payments, Insurance · Czechia

    Skip Pay is a Czech buy-now-pay-later fintech that lets shoppers pay for online purchases after delivery or split them into thirds, and also offers a credit card and loans.

More in the database

Profile researched by Alexandra Studio from public information about FLOWPAY, updated 10 November 2026. Something wrong or missing? Update your company or remove it.