Obtaining a business or company loan is not always easy – and this is especially true for start-up entrepreneurs. Traditional banks often require a long business history, tax returns, or detailed profit and loss statements. For newly established companies, these requirements can present insurmountable obstacles.

Flowpay offers a modern alternative that eliminates unnecessary bureaucracy and simplifies company financing. Instead of paperwork and branch visits, Flowpay evaluates real business performance – for example, based on e-commerce sales, point-of-sale systems, or accounting data. This approach allows us to provide business credit and company loans even to start-ups that would not qualify with traditional lenders.

The entire application process with Flowpay is simple and fast. It takes only a few minutes and can be completed entirely online – without submitting extensive documentation.

• You provide basic company details and connect your systems (e.g., e-shop, bank, or accounting).
• Artificial intelligence evaluates your business performance and prepares a tailored financing offer.
• After approval , you sign the contract digitally and the funds are transferred to your account.

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Thanks to this data-driven approach, funds can be available in your account within just a few hours. 

💡 Did you know that most traditional banks reject loan applications from companies operating for less than 2 years? Flowpay takes a different approach by assessing real-time revenue and operational data -making financing accessible even to businesses that have been on the market for only a few months.

Company loans from Flowpay are designed for businesses that already generate some revenue but may not yet have a strong accounting history. They are ideal for smaller e-shops, local entrepreneurs, and companies in the growth phase. The conditions are simple:

• You have been operating for at least 6 months
• Your monthly turnover is at least 30,000 CZK
• Your company is registered in the Czech Republic, Slovakia, or the Netherlands

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If you meet these conditions, you can obtain financing of up to 2.5 million CZK, without collateral and with the option of free early repayment.

Entrepreneurs choose Flowpay for its combination of simplicity, speed, and fair terms. With us, you know exactly where you stand. The biggest advantages include:

• No paperwork or bank visits
• Fast approval based on data rather than tax returns
• Financing for operating expenses, inventory, or marketing
• Early repayment without penalties 
• Transparent and fair conditions

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Flowpay does not take equity in your company – the loan is fully yours, supporting your business growth.

Whether you are a newly established company or an existing business looking to grow without limits, a business loan from Flowpay provides quick access to capital without unnecessary complications. 

Choose a financing solution based on real data and the actual business performance. Save time, reduce stress, and focus on what you do best — growing your business.