Flowpay
Working-capital loans underwritten on live POS and e-shop data
Flowpay is a Czech embedded-finance lender that scores small merchants on data pulled directly from their POS, e-commerce platform, accounting software and bank account, then offers non-purpose loans of €2,000 to €100,000 that can be repaid at any time. The application is fully online and requires at least six months of trading and about €1,200 in monthly revenue. It is distributed through partners such as Shoptet and the payment provider Teya and operates in Czechia, Slovakia and the Netherlands.
Our reading. Best for Czech, Slovak or Dutch merchants with six months of card sales who need up to €100k quickly without a bank file.
Strengths
- Credit decision built on real sales data rather than financial statements
- Embedded inside partner platforms merchants already use
- Flexible early repayment
Limits
- Fees only visible after entering the amount in the calculator
- Available in three countries so far
Founded 2021, €2.1M seed equity in 2024 plus debt facilities; active in Czechia, Slovakia and the Netherlands
Two €30M debt facilities in 2025 (including Fasanara Capital) fund the loan book; Techstars Amsterdam alumnus; Vodafone Technological Startup of the Year; partnership with Teya
- https://www.flowpay.io/
- https://www.eu-startups.com/2024/03/prague-based-flowpay-raises-over-e2-million-to-make-sme-financing-more-accessible-through-embedded-finance/
- https://www.eu-startups.com/2025/11/czech-startup-flowpay-launches-in-the-netherlands-with-e30-million-backing-to-close-europes-sme-financing-gap