What it sells
Embedded finance infrastructure that provides fast, data-driven growth financing to SMEs.
Business model breakdown
Buyer: who owns the budget?
Owner of an SME (cafe, restaurant, e-shop) applying for a loan; eligibility EUR 1,200+ monthly revenue and 6+ months trading.
Trigger: what makes them buy now?
Cash flow swings, restocking inventory, off-season costs, growth capital; banks seen as slow.
Workflow: what inputs become what output?
Register; connect POS, e-commerce, accounting and bank data; AI generates a personalized offer; sign online and receive funds instantly.
Economics: what it saves and how it charges
UnverifiedLends to SMEs and earns a monthly fee on the loan; fee level not shown publicly.
Distribution: how it reaches customers
Online self-serve application at my.flowpay.io/signup with homepage calculator; operates in Czechia, Slovakia, Netherlands.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| 2025-11-11 | — | €30M | Fasanara Capital (credit facility) | eu-startups.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.