Are you a sole proprietor just starting out and looking for initial capital to support your operations or investments? Traditional banks often reject freelancers and small entrepreneurs due to a lack of financial statements or a short business history. Flowpay offers an alternative: an unsecured loan for self-employed individuals assessed using real-time business data rather than tax returns. 

Flowpay processes data directly from digital systems—such as e-shops, POS systems, or bank transactions. Thanks to advanced algorithms and artificial intelligence, it can quickly and accurately evaluate your business's potential.

Applying for a startup loan with Flowpay is simple: 

1. You fill out basic information about your business.
2. You connect your business data (for example, operating revenue) with us.
3. AI prepares a personalized (maybe?) financing offer.
4. You approve the contract online, and the funds are sent to your account.

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Everything can be completed in just a few minutes —without visiting a branch, filling out complex forms, or undergoing credit register check.

💡 Did you know that over 60,000 new sole proprietors start a business in the Czech Republic every year, yet only a fraction gain access to bank financing? Non-bank loans are designed specifically for them – without requiring a business history or credit records.Thanks to this, entrepreneurs can launch their projects without unnecessary obstacles. 

Flowpay focuses on sole proprietors who are just starting out but have already demonstrated a clear turnover and growth potential. Ideal conditions:

• You operate as a sole proprietor (freelancer).
• You have been actively operating for at least several months.
• You generate ongoing income and analyzable data 
• You want fast approval without paper documentation 

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Flowpay offers loans of? up to approximately EUR 40,000, typically financing smaller amounts aligned with weekly turnover.

• Business Loans for Freelancers Wthout Credit Register Check: Personal credit records are not reviewed – assessments are based purely on business data. 
• Individual Assessment: Each application is evaluated separately using AI and transactional data. 
• No Unnecessary Paperwork: The entire process is online, including digital contract signing. 
• Speed: TFunds can be available within hours - not weeks. ‍
• Flexible Use: Loans can be used to support cash flow, purchase equipment, or invest in growth.

New sole proprietors often face uncertainty and limited cash flow. Flowpay helps them bridge the growth phase —whether for replenishing inventory , improving operations, marketing, or investmenting in equipment. Financing is short- to medium-term, flexible repayment periods itailored to each project.