A business loan is a form of financing designed for sole proprietors and companies to support growth and operations. It can be used to purchase inventory or technology, expand a team, bridge seasonal cash-flow gaps, or invest in development. Unlike consumer loans, business loans are intended strictly for business purposes.

Traditionally, a company would need at least one year of operating history, a positive tax return, and collateral such as real estate or a guarantor to qualify for a bank loan. Today, however, alternative financing options offer greater flexibility.

💡 Did you know that with Flowpay you can access more than 100,000 EUR online, without unnecessary paperwork and without collateral? This operating business loan can be used for whatever your business needs at the moment. Flowpay has already financed Czech entrepreneurs with several hundreds of millions CZK.

Many new entrepreneurs face the same challenge : they haven't filed a tax return yet, but they still need capital to grow. That’s where alternative business loans come in. Instead of relying solely on profit and loss statements, lenders can assess your business using other indicators, making fast and easy approvals possible.

• Account turnover (bank or accounting systems)
• Regular incoming payments from clients
• Business history or business plan
• Industry outlook and growth potential

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At Flowpay, data from accounting and invoicing tools makes it possible to assess your business even if you haven’t submitted a tax return yet.

Traditional banks usually require collateral, such as real estate or a third party guarantees. Non-bank business loans, on the other hand, often come without collateral. These loans are typically smaller, with shorter repayment periods, but offer fast approval and minimal administration — ideal for entrepreneurs who need funding quickly.

• Start-up founders and early-stage entrepreneurs
• Sole proprietors with irregular incomes
• Companies experiencing rapid growth
• E-shops with good turnover but no assets

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The key factors are credibility and repayment ability. Thanks to modern data tools, Flowpay can evaluate this efficiently — often enabling instant business loan approvals.

1. Complete a short application on the website.
2. Simply connect data from your point-of-sale system, e-shop, accounting software, and bank.
3. Flowpay analyzes your business performance using real data.
4. Receive a tailored loan offer instantly — some applications even qualify for same-day funding.