Being self-employed offers freedom, but it also brings financial challenges. Obtaining a traditional bank loan is not always possible. Banks often require tax returns, collateral, or a flawless credit history- requirements that can be insurmountable obstacles for many starting entrepreneurs.

Flowpay offers a solution: online loans for the self-employed without credit register checks,collateral, or the need to submit tax returns. Loan assessments are based on real operating data, such as bank transactions, point-of-sale systems, or e-commerce platforms. This makes non-bank financing accessible even to entrepreneurs without a long business history.

Flowpay focuses on loans for self-employed individuals who need fast access to capital for growth and operations. This solution is ideal for:

• Entrepreneurs with a short business history 
• Sole traders without sufficient tax return records
• Business owners financing operations, inventory, or marketing
• Entrepreneurs seeking a fair solution without credit register checks and without collateral

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💡 Did you know that more than 40% of self-employed individuals in the Czech Republic do not qualify for traditional bank loan simply because they have been operating for a short time or lack recent tax returns ? Yet many of them have stable turnover and strong growth potential.

The entire process is simple and 100% online:

1. You fill in basic information about yourself and your business.
2. You connect your business data for evaluation.
3. Based on the analysis, a tailored financing offer is generated 
4. After approving the contract, the funds are transferred directly to your account. 

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Thanks to advanced algorithms and artificial intelligence, the process is fast and transparent – no complex forms and no bureaucracy.

• No Tax Returns Required – live business data is sufficient (loan for the self-employed without proof of income)
• No Credit Register Checks – current business potential matters most 
• No Collateral – a fair solution without asset-backed security 
• Speed – funds can be available within hours ‍
• Flexible Use – for operations, development, and investments

Starting entrepreneurs often face seasonal fluctuations or need capital to invest in growth. Loans for newly self-employed individuals can help finance equipment purchases, marketing campaigns, or business expansion. With flexible repayment terms , these loans support stable cash flow and sustainable business development.