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.

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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.