Flowpay

The company provides flexible business financing up to €100,000 for small and medium-sized enterprises, specifically targeting e-commerce, retail, and hospitality sectors. Its platform uses AI to analyze real-time data from POS systems, accounting software, and bank accounts to offer non-purpose loans for inventory, marketing, and expansion. The service operates entirely online, allowing businesses with at least six months of history and €1,200 in monthly revenue to access funds within 24 hours.