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FLOWPAY logo — Embedded Financial Services for SME Platforms | Techstars 22...

FLOWPAY

Embedded Financial Services for SME Platforms | Techstars 22`

Founded 2021 Czech Republic Czech Republic 23 employees Not Funded/Unknown Total: $32.77M Financial Services, Fintech +2

General Information

Company Name FLOWPAY
Founded Year 2021
Location Czech Republic Czech Republic +1
Employees 23
Industries Financial Services, Fintech, Lending and Investments +1
Funding Stage Not Funded/Unknown
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About FLOWPAY

Flowpay is a Fintech startup founded in 2020 with the mission of providing Embedded Financial Services for SME Platforms. Their innovative approach utilizes predictive AI models to assess risk more precisely and understand the potential of SMEs. The company offers a range of services including Direct Lending, Embedded Finance Infrastructure, and Risk as a Service (RaaS) to Lending Institutions. The last investment of €2.10M Seed Round was secured on 20 March 2024 with participation from notable investors such as DEPO Ventures, Techstars, Soulmates Ventures, Kartik Varma, Martin Herrmann, Mark Ransford, Allard Luchsinger. Their offering of Direct Lending aims to support SMEs by providing quick and online financing, while the Embedded Finance solution serves as a white label integrated within POS, E-commerce, and similar platforms to enhance customer retention and create new income streams. Lastly, the Risk as a Service (RaaS) utilizes predictive AI models based on alternative data and PSD2 Segmentation to better understand and underwrite SMEs. With a strong focus on leveraging technology to revolutionize financial services, Flowpay has positioned itself as a promising player in the fintech industry.

Taxonomy: Embedded Financial Services, SME Platforms, Predictive AI Models, Direct Lending, Embedded Finance, White Label Solution, POS Integration, Risk as a Service, Data-driven Financial Services, Lending Institutions, Alternative Data, PSD2 Segmentation, Predictive Underwriting

Funding Rounds & Investors (5)

View All
Funding Stage Amount Investors Lead Investors Date
Not Funded/Unknown •••••• 4
Investor Investor Investor Investor
19 Mar 2025
Seed Round •••••• 7
Investor Investor Investor
•••• •••• 		20 Mar 2024
Convertible Note •••••• 1
Investor
21 Nov 2022
Convertible Note •••••• 1
Investor
05 Oct 2022
Angel Round •••••• 1
Investor
21 Dec 2020

Latest News

View All
Prague-based Flowpay raises over €2 million to make SME financing more accessible through embedded f... — Eu-startups
Prague-based Flowpay raises over €2 million to make SME financing more accessible through embedded finance
Eu-startups Mar 20, 2024
Soulmates Ventures expands investment in sustainable innovation with €50 million fund — Eu-startups
Soulmates Ventures expands investment in sustainable innovation with €50 million fund
Eu-startups Mar 18, 2025
Flowpay raises €30 million to lend to SMEs and innovate embedded finance — Eu-startups
Flowpay raises €30 million to lend to SMEs and innovate embedded finance
Eu-startups Mar 19, 2025
Czech startup Flowpay launches in the Netherlands with €30 million backing to close Europe’s SME fin... — Eu-startups
Czech startup Flowpay launches in the Netherlands with €30 million backing to close Europe’s SME financing gap
Eu-startups Nov 11, 2025
Revolut lands a €65 billion valuation after latest share sale fuels global bank ambitions — Eu-startups
Revolut lands a €65 billion valuation after latest share sale fuels global bank ambitions
Eu-startups Nov 24, 2025

FLOWPAY Alternatives & Competitors

FLOWPAY vs
Finiata
Finiata Germany

Tailored financing and embedded lending solutions for B2B

Growth
10 employees
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FLOWPAY vs
Lemonero
Lemonero Czech Republic

Unlock future lending today with our award-winning AI-driven embedded finance solutions for banks, P...

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FLOWPAY vs
DigiAlly
DigiAlly Singapore

We streamline trust between SME and Financial Institutions via our Reliability Score

Non Equity Assistance
15 employees
Fintech, Lending and Investments

FAQ About FLOWPAY

Embedded Financial Services for SME Platforms | Techstars 22`
FLOWPAY was founded in 2021.
FLOWPAY is headquartered in Czech Republic.
FLOWPAY operates in the following industries: Financial Services, Fintech, Lending and Investments, Embedded Systems.
FLOWPAY has approximately 23 employees.
FLOWPAY has completed 5 funding rounds, raising a total of $32.77M. The latest funding stage is Not Funded/Unknown.
Top alternatives and competitors to FLOWPAY include Finiata, Lemonero, DigiAlly, Softloans, MyShubhLife. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
FLOWPAY and Finiata are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

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