Flowpay

Flowpay is a data and AI company that has built an embedded lending infrastructure. We deliver fast, flexible financing to small and medium-sized enterprises (SMEs), seamlessly embedded into the digital platforms they already use to run their businesses. We act as a Direct Lender, provide Embedded Finance Infrastructure for SME platforms, and offer Risk-as-a-Service (RaaS) to lending institutions.

What we do 🤙

• Direct Lending - helping SMEs grow by providing quick, online financing of up to €100,000 without paperwork or bureaucracy.

• Embedded Finance - white-label solution integrated within POS, E-commerce, and Accounting platforms, helping partners boost customer retention and unlock new revenue streams.

• Risk as a Service (RaaS) - providing lenders with predictive AI models based on alternative data and banking transaction segmentation, enabling them to better understand SMEs and underwrite them more accurately.

To date, Flowpay has processed over CZK 500 M in financing applications and counts more than 2,500 registered clients on its platform. Our proprietary technology evaluates more than 1,000 data points per client, enabling smarter, faster and more reliable credit decisions.

Our mission is to become Europe’s leading embedded SME financing solution - reshaping how 27 million businesses access capital and creating a future where every qualified SME can grow without friction.

Alumni of the world's largest accelerator TECHSTARS 🚀 

In 2022, we became the first Czech startup in seven years to join the Techstars + ABN AMRO Future of Finance program.

Vodafone Idea of the Year 2023 💡

Flowpay won the Vodafone Idea of the Year competition as Technology Project of the Year.  

Mastercard Fintech of the Year 2024 🏆

Flowpay was awarded the Fintech of the Year category in the Mastercard Bank of the Year program.

Deloitte Central Europe Fast 50 (2025) 🎖️

Flowpay received two major recognitions - the Impact Stars Award and the AI Value Driver Award.

Flowpay Team 

At Flowpay, we’re a team of experienced professionals from fintech, technology, and risk management. Collectively, we bring 100+ years of experience, have managed €10B+ in assets, and built products that have impacted 3M+ clients worldwide.

But what really defines Flowpay is culture: we’re builders who love solving real problems and pushing boundaries. Every new team member has the opportunity to shape our product, grow with us, and make a lasting impact on SME financing across Europe.

Want to know more? Read what they wrote about us! ✍️

• EU-Startups.com - Flowpay raises €30M to lend to SMEs and innovate embedded finance.

• TechFundingNews.com - Czech fintech Flowpay raises €2.1M for expansion.

• Forbes.cz - Flowpay secures major investment to expand beyond traditional banking.

• Hrot24.cz - “Smaller firms are overlooked - we want to change that,” says Flowpay’s founder William Jalloul.

• HN.cz - Small businesses, big ambitions: Flowpay’s role in reshaping SME finance.

Something for podcast lovers🎙️

• Startup Kitchen Talk - William Jalloul shares Flowpay’s founding story and what it takes to build in fintech. (English)

• The Digital Dividend - William Jalloul discusses Flowpay’s journey, from entrepreneurship to building an award-winning SME lender, and how AI and e-commerce data enable fast and fair lending decisions. (English)

• AI: The Future of Financing for SMEs - Interview with William Jalloul on why banks struggle to fund SMEs, how Flowpay approves loans within minutes using AI and real-time data, and our expansion and bank-partnership plans. (Czech)

• "In a few years, we will be the next Czech unicorn" - A deep dive into Flowpay’s growth journey and future vision. (Czech)Deloitte Central Europe Fast 50 (2025) Deloitte Central Europe Fast 50 (2025) Deloitte Central Europe Fast 50 (2025)