We are expanding our offer with a Czech provider Flowpay │ Bondster

We are expanding our offer with a Czech provider Flowpay

We are expanding our offer with a Czech provider Flowpay

November 15, 2023 News

In November 2023, the platform Bondster welcomed Flowpay as a new loan provider. The Czech technology company provides quick and administratively easy operational financing for small and medium-sized businesses. The annual interest rate of the investments in loans is 12 %.

Flowpay, a Czech fintech start-up, was founded in 2020. The company’s mission is to facilitate and maximally simplify access to operational financing for smaller and medium-sized companies. Very often, it is the owners of smaller companies who are faced with the reluctance of banks to finance their businesses as well as the excessively complex, time-consuming and administrative process of negotiating a loan. At Flowpay, entrepreneurs can arrange a loan in a few minutes online and without unnecessary paperwork. 


Companies can get a non-purpose business loan ranging from CZK 25,000 to 1,000,000. In the case of euro loans, these range from EUR 1,000 to EUR 40,000. Their term is between one and twelve months.

Companies can use operating loans for anything. Most often, they finance, for example, the purchase of stock, business expansion, investment in new equipment or marketing. 

Arranging a loan is very simple thanks to the use of modern technology. With the help of AI, it was possible to automate the entire process from the application for financing to risk scoring up to the final approval.

All it takes is filling in a short inquiry form on the Flowpay.io website. Next, the applicant receives a link to a non-binding registration in the Flowpay application, where they can apply for financing. 


Through the application, the customer then connects to Flowpay’s partner platforms (e.g. Dotykačka, Shoptet, Magento Woocommerce and many others), which the company actively uses in its business. Partner platforms then allow Flowpay to provide loans quickly and easily, because, with the evaluation of transaction data, there is no need to submit tax returns, statements from bank accounts or financial statements. 

To be able to evaluate risks more accurately and to understand the potential of small and medium-sized companies better, Flowpay uses predictive models created by artificial intelligence. Thanks to the in-depth analysis of accounting, sales, warehouse and other data or financial transactions, it can predict the future development of a company and its sales.

A calculator is available in the Flowpay application, in which those interested in financing can set the required loan amount and the desired repayment period. Applicants will then immediately find out how much they will pay, including a breakdown of individual instalments. 

The last step in arranging a loan is an online verification of the applicant’s identity and their bank account. The loan agreement is sent to the person’s email and once it is signed, the money is disbursed.

The co-founder and CEO of the company is an experienced entrepreneur William Jalloul

Bondster’s analyst team has assigned the provider a B- rating. 

Need more information?

We have the company’s presentation and its financial results prepared for you.

More about Flowpay

Author of the article: Roman Muller

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