卖什么
嵌入式金融基础设施，为中小企业提供快速、数据驱动的成长融资。
商业模式拆解
买家：谁掌握预算？
Owner of an SME (cafe, restaurant, e-shop) applying for a loan; eligibility EUR 1,200+ monthly revenue and 6+ months trading.
触发点：什么让他们现在购买？
Cash flow swings, restocking inventory, off-season costs, growth capital; banks seen as slow.
工作流：什么输入变成什么输出？
Register; connect POS, e-commerce, accounting and bank data; AI generates a personalized offer; sign online and receive funds instantly.
经济账：省了什么，怎么收费？
未核实Lends to SMEs and earns a monthly fee on the loan; fee level not shown publicly.
渠道：怎么接触到客户？
Online self-serve application at my.flowpay.io/signup with homepage calculator; operates in Czechia, Slovakia, Netherlands.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| 2025-11-11 | — | €30M | Fasanara Capital (credit facility) | eu-startups.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.