Seed · Fintech · Prague, Czechia · Founded 2021 · 25–30 employees
Flowpay is an AI-driven fintech startup that provides embedded working capital financing of up to €100,000 to SMEs across Europe. The company uses real-time transaction data and predictive AI models to assess creditworthiness, eliminating traditional paperwork by connecting directly to point-of-sale systems and e-commerce platforms. Founded in 2021, Flowpay has raised €30 million in debt financing from Fasanara Capital and was one of only seven European startups selected for the IBM fintech program to advance generative AI in financial services. The company has successfully expanded from Czech Republic to Slovakia and Netherlands, with plans to enter Hungary and Croatia in 2026.
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