FLOWPAY
Embedded Financial Services for SME Platforms | Techstars 22`
23 employees · est. 2021 · Prague, Czech Republic
YouLend
The global leader in embedded SME finance.
508 employees · est. 2015 · London, United Kingdom
YouLend is the older company (2021 vs 2015); YouLend is the larger of the two.
Side-by-Side Comparison
| Metric | FLOWPAY | YouLend |
|---|---|---|
| Founded | ||
| Founded | 2021 | 2015 older |
| Headquarters | ||
| Headquarters | Prague, Czech Republic | London, United Kingdom |
| Employees | ||
| Employees | 23 | 508 larger |
| Industry | ||
| Industry | Financial Services, Fintech, Lending and Investments | Financial Services, Fintech |
| Funding Stage | ||
| Funding Stage | Not Funded/Unknown | Unknown |
| Total Funding | ||
| Total Funding | $32.77M | Not tracked yet |
| Funding Rounds | ||
| Funding Rounds | 5 | 2 |
| Services | ||
| Services | Not tracked yet | embedded financing solutions, revenue-based funding, instant payouts, API integration, merchant financing |
| Target Customers | ||
| Target Customers | Not tracked yet | small and medium-sized enterprises (SMEs), ecommerce providers, marketplaces, technology companies, businesses needing integrated financing solutions |
| Taxonomy | ||
| 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 | Embedded Finance, SME Financing, E-commerce Financing, Payments Integration, FinTech Platform, API Solutions, Branded Financing Solutions, Partner Integration, Growth Financing, Tech Partnerships, Global Operations |
| Website | ||
| Website | flowpay.io | youlend.com |
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 Direc...
About YouLend
YouLend, founded in 2015 and headquartered in the United Kingdom, is a rapidly growing player in the Financial Services and Fintech industries. Touted as "The global leader in embedded SME finance," YouLend stands at the forefront of embedded financing, aligning with significant e-commerce and tech...
We will tell you when either one moves
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Funding, hiring, leadership and stack changes at FLOWPAY and YouLend — by email.
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Compiled from the BounceWatch company index. We last looked at FLOWPAY on 11 Sep 2024, and YouLend on 28 Oct 2025. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.