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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 43 employees Not Funded/Unknown Total: $32.77M Financial Services, Fintech +2

General Information

Company Name FLOWPAY
Founded Year 2021
Location Czech Republic Czech Republic
Employees 43
Industries Financial Services, Fintech, Lending and Investments +1
Funding Stage Not Funded/Unknown
Business Model Embedded Finance, B2B, SaaS
Revenue Model Service Fee, Subscription, Usage Based
Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

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Significant changes detected on company website (80.8% content change).

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AI Insight

Bounce Watch AI
3 weeks ago

Flowpay has demonstrated exceptional market momentum, recently topping Sifted’s DACH & CEE leaderboard with an impressive 816% growth over the last two financial years. This strong performance, indicative of successful AI-driven SME financing solutions, is further highlighted by significant media recognition. A substantial website update concurrently suggests the company is strategically enhancing its platform to support this accelerated growth and solidifying its market leadership.

Signal Types
Growth Media Feature Product Update
Strategic Labels
Market Leadership Rapid Scaling Platform Enhancement
Next Move: Expansion
·
Impact: 9/10
·
Ideal For: Growth-stage Fintech VCs — CEE/DACH focus

About FLOWPAY

FLOWPAY provides financial services to small and medium enterprises (SMEs) and SME platforms from its headquarters in Prague, Czech Republic. The company specializes in embedded finance solutions and risk assessment services tailored for entrepreneurs, business owners, e-commerce businesses, and retailers.

Founded in 2021, FLOWPAY offers services such as flexible business loans, personalized financing offers, and online application processes. Its primary offerings include direct lending, embedded finance, and Risk as a Service (RaaS) using predictive AI models. The company's business model includes B2B and SaaS, while it generates revenue through service fees, subscriptions, and usage-based charges.

Business keywords: Embedded Finance, Direct Lending, SME Platforms, Predictive AI Models, Risk Assessment, Risk as a Service (RaaS), White Label Solutions, Alternative Data, PSD2 Segmentation, POS Integration, E-commerce Solutions, Payment Providers, Customer Retention, Data-driven Underwriting

Services & Products

Flexible Business Loans
Personalized Financing Offers
Online Application Process
AI Performance Analysis
Cash Flow Support

Target Customers

Small and Medium Enterprises (SMEs) Entrepreneurs Business Owners E-commerce Businesses Retailers

Funding Rounds & Investors (5)

View All
Funding Stage Amount Investors Lead Investors Date
Not Funded/Unknown €30.00M 4
DEPO Ventures Techstars Fasanara Capital
DEPO Ventures, Techstars +2
19 Mar 2025
Seed Round €2.10M 7
DEPO Ventures Techstars Soulmates Ventures
DEPO Ventures, Techstars +5
20 Mar 2024
Convertible Note $20.00K 1
Techstars
Techstars
21 Nov 2022
Convertible Note €150.00K 1
DEPO Ventures
DEPO Ventures
05 Oct 2022
Angel Round €500.00K 1
Patero s.r.o.
Patero s.r.o.
21 Dec 2020

Latest News

View All
Czech fintech Flowpay named fastest-growing firm in Sifted 100 — Around Prague
Czech fintech Flowpay named fastest-growing firm in Sifted 100
Around Prague Oct 01, 2026
The companies that shot up Sifted’s DACH & CEE leaderboard — Sifted
The companies that shot up Sifted’s DACH & CEE leaderboard
Sifted Sep 14, 2026
FLOWPAY Revenue 2025: $2.5M Est. ARR — GetLatka
FLOWPAY Revenue 2025: $2.5M Est. ARR
GetLatka Sep 10, 2026
Prague-based SME lender Flowpay tops latest Sifted ranking — Sifted
Prague-based SME lender Flowpay tops latest Sifted ranking
Sifted Sep 09, 2026
Flowpay Partners with Teya to Expand Embedded SME Financing Across Europe — FF News
Flowpay Partners with Teya to Expand Embedded SME Financing Across Europe
FF News Mar 19, 2026
Flowpay acquires Tapline to expand SME and tech financing — FinTech Futures
Flowpay acquires Tapline to expand SME and tech financing
FinTech Futures Mar 03, 2026

FLOWPAY Alternatives & Competitors

View All Alternatives
FLOWPAY vs
Finiata
Finiata Germany

Tailored financing and embedded lending solutions for B2B

Growth
10 employees
Finance, Financial Services
Compare FLOWPAY vs Finiata
FLOWPAY vs
Funding Xchange
Funding Xchange United Kingdom

Funding Xchange helps business owners find the right funding, overcoming the biggest obstacle in gro...

Series B
43 employees
Finance, Financial Services
Compare FLOWPAY vs Funding Xchange
FLOWPAY vs
Groov
Groov United Kingdom

Your Gateway to Embedded B2B Finance

Seed
4 employees
API, Analytics
View all alternatives

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 Financial Services, Fintech, Lending and Investments and Embedded Systems. Its work centres on Embedded Finance, Direct Lending, SME Platforms and Predictive AI Models. Its customers include Small and Medium Enterprises (SMEs), Entrepreneurs and Business Owners.
FLOWPAY has a Embedded Finance, B2B and SaaS business model. Its revenue comes from Service Fee, Subscription and Usage Based.
FLOWPAY has approximately 43 employees.
FLOWPAY has completed 5 funding rounds, raising a total of $32.77M. The latest funding stage is Not Funded/Unknown.
FLOWPAY offers: Flexible Business Loans, Personalized Financing Offers, Online Application Process, AI Performance Analysis, Cash Flow Support.
Top alternatives and competitors to FLOWPAY include Finiata, Funding Xchange, Groov, Rainforest, Banxware. 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.

Source: BounceWatch company record for FLOWPAY, https://bouncewatch.com/company/flowpay, updated 1 October 2026. When citing, please name BounceWatch and link this page.

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