Lendermarket welcomes Flowpay: empowering SME growth with AI-driven finance

Introduction

‍We are pleased to announce the launch of Flowpay as a new Loan Originator on the Lendermarket platform. This partnership introduces a new opportunity for investors to gain exposure to Revenue-Based Financing (RBF), a modern financial solution for Small and Medium Enterprises (SMEs).

Flowpay is a fintech pioneer that provides fast, flexible funding to digital-first businesses. By leveraging real-time data and AI-driven underwriting, Flowpay helps SMEs bridge the gap between their current needs and future growth.

About Flowpay

Founded in 2021 and headquartered in Prague, Czech Republic, Flowpay was established to solve the funding gap faced by SMEs. Unlike traditional banks, Flowpay integrates directly with platforms (POS systems, e-commerce gateways, and marketplaces) to assess the health of a business based on its actual performance.

Key Takeaways: What this means for investors:

• Access to SME Growth Capital: Support the backbone of the economy by funding high-potential digital businesses.
• AI-Powered Underwriting: Benefit from a risk assessment model that uses real-time transactional data rather than outdated paper statements.
• Portfolio Diversification: Add an alternative asset class that is uncorrelated with traditional equity markets.
• Short-Term Liquidity: RBF loans often feature frequent repayments linked to the borrower's revenue.

How Risk Is Managed Flowpay’s proprietary "Risk Engine" is at the heart of its operations.

1. Real-Time Data: Flowpay monitors the daily sales and cash flow of its borrowers through API integrations.
2. Automated Repayments: Loans are repaid as a percentage of the business's daily sales, meaning the repayment scales with the company’s success.

Strict Selection: Flowpay works with established SMEs that have a proven track record of consistent digital sales.