Global
Global
Flow builds the data and technology rails that allow financial institutions to underwrite and deploy fast, reliable credit to small businesses at scale.
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Traditional lending infrastructure wasn't built for these businesses: little to no formal credit history, small ticket sizes, high transaction volume, and fragmented, inconsistent business records.
Flow closes that gap. We build the credit scoring, disbursement, and collections infrastructure this segment needs — and license it to financial institutions, so they don't have to build it themselves.
Automated Credit Scoring: Financial profiles built from alternative data like transaction history, sales income, mobile money usage patterns and behavioral signals
Disbursement: Leverage existing mobile money and banking rails to process quick credit
Collections: Automated repayment tracking, reconciliation, and recovery workflows — built for high-volume, low-ticket repayment patterns that don't fit conventional loan-servicing tools.
On-the go Apps:A white-labeled mobile experience for your field team and customers; advanced analytics and operational dashboard for back-end ops teams
Since 2019, Flow has enabled financial institutions to provide liquidity solutions to small businesses through the platform
Together with our partners, Flow is expanding access to finance for small businesses across emerging markets.
50K+
Small Businesses Registered
2M+
Loans Disbursed
$400M+
Value Disbursed
7
Partners enabled
6
Active markets
>98%
Ontime Repayments
We harness cutting-edge technology to deliver fast and accessible
growth capital to small businesses.
