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A better way to finance

FInance Inventory

inventory

FInance Operations

operations

FInance Marketing

marketing

Freedom

expansion

FInance Inventory

inventory

A better way to finance

Apply for up to €100,000 in minutes. Zero paperwork, non-purpose, and 100% online.

Clients who trust us
"Cash flow is a constant challenge for a growing entrepreneur like me. Flowpay is a reliable partner that helps me restock quickly and grow efficiently – simply, fast, and without fuss."

Flemming Teilgaard Laugesen

Founder & Owner, flemmings.wine

"Even though we had funds for development, we lacked flexibility. Flowpay solved our operating cash flow quickly and without complications. Clear terms, fast agreement, and the money was in our account."

Vladislav Bogdanov

Founder & Owner, La Forme Café & Bakery

"We order materials by the container, which means large one-off expenses. Thanks to Flowpay, we’re able to handle them without straining our cash flow."

Michal Hons

Founder & Owner, Plackovna

"The bank simply turned its back on us. Then we came across Flowpay, and thanks to them, we managed to improve our cash flow and get through tough times."

Jakub Sigmund

Founder & Owner, Restaurant Naše Stodola

"The financing process was fast and easy. We use Flowpay’s working capital mainly to cover operating expenses during the winter off-season."

Tomáš Svášek

Founder & Owner, Restaurant Felicita Brandýs

"Flowpay assessed us using up-to-date data, not outdated tax returns from the pandemic. Thanks to that, we secured financing when the bank failed us."

Marek Jablonský

Owner, "W" Restaurant & Whiskey Bar

"Flowpay helped us stock up our e-shop for Christmas, mainly thanks to the speed of getting the loan. Unlike with banks, the whole process really took just a few clicks."

Martin Mates

Co-Founder & CEO, Econea

"Thanks to Flowpay, we expanded our inventory without unnecessary paperwork. I really appreciate the simplicity, speed, and human approach. They helped us grow exactly when we needed it."

Lukáš Krčma

Owner, autoshops.cz

"Thanks to Flowpay’s working capital financing, we were able to invest in inventory and launch our own accessories brand, MALUM. Simple, fast - I solved everything literally in a few clicks."

Zdeněk Vlček

Founder & Owner, Jablečné díly

"Thanks to Flowpay, we opened a new branch in Pardubice and experienced an immediate boom. They helped us bridge a gap and accelerated our growth by a full year."

Zdeněk Kučera

Owner, Burgrárna

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Everything is online and digital

Everything online

It takes only a few minutes to apply

Apply in only a few minutes

Repay anytime

Repay anytime

No paperwork involved

No paperwork

How it works

Fast financing up to €100K
Fuel your next big move

Step 1
Step 1 is registration

Registration

Set up your account in minutes, then tell us a bit about your company so we can tailor an offer for you.

Step 2
step 2 is connecting your business data

Business data

Easily connect your POS,
e-commerce, accounting, and bank data for performance analysis.

Powered by AI
Our AI magic
Step 3
step 3 is Personalized offer

Personalized offer

Our AI instantly creates a personalized financing offer with a full payment breakdown.

Step 4
step 4 is approval

Approval

Click apply and get approved. Sign the contract online, and we’ll send the funds to your bank instantly.

Who we help
Is our financing the right fit for you?
Open

Find out if you’re eligible for funding

You need to have at least $40 thousand revenue
€1,200+ monthly revenue
You need to be at least 6 months in business
6+ months in business
We work with CZ, SK and NL
Countries - CZ, SK, NL
Calculator

What’s your preferred amount of financing?

Please enter an amount less than or equal to 2,500,000 CZK
Please enter an amount less than or equal to 100,000 EUR
EUR
EUR 2000
Financing amount
CZK
2,500,000
Monthly fee
CZK
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Total to pay
CZK
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How do customers use our financing?

How do customers use our financing?

How do customers use our financing?

How do customers use our financing?

How do customers use our financing?

How do customers use our financing?

Features

Control your financing
anytime, anywhere.

Get to know our app, myFlowpay.
myFlowpay app
Apply

Apply

Easily secure your operating financing online in just a few minutes.
Manage

Manage

Stay informed about your ongoing and historical financing.
Forecast

Forecast

Gain real-time insights, predict cash flow, and decide with confidence.