WE ARE COMMITTED TO REDEFINE SMALL BUSINESS FINANCE

OUR FOCUS

SMALL BUSINESSES. LIQUIDITY. EMERGING MARKETS.

Small businesses are the lifeblood of emerging market economies. >180 million micro and small retail merchants across the developing world distribute 80%+ of all goods and services. But they remain largely ignored by traditional lenders. 

The biggest growth opportunities for small businesses are digital. We enable small businesses to capture these opportunities through targeted liquidity.

OUR APPROACH & PHILOSOPHY

FOR EVERYTHING WE DO, WE PUT THE CUSTOMER FIRST

​​We ensure that  small businesses receive  the same or better quality financial services as  large businesses.  This means liquidity tailored to their growth needs, available at the touch of a button and accompanied by personalized customer care.   

While we are a data-driven business, we believe in and respect our customers’ privacy. 

 


OUR PEOPLE

NITIN GARG

Co-Founder

* 12+ years consulting on agents/digital finance, advised 40+ banks (e.g. Equity Bank) * worked for World Bank,UNCDF and  MicroSave * endorsed by UK Gov as Exceptional Tech Talent

MICHAEL ROTHE

Co-Founder

* previous FinTech in Uganda with 300,000 wallets * 4 years at Central Bank of Uganda * started career at Citi Inclusive Finance *  Director at Financial Inclusion Forum UK

GEOFFREY ACINI

Growth@Flow

* Serial entrepreneur: started & scaled a transport and a construction business * Managed operations and catalysed merchant acceptance in previous FinTech  

Daisy Atuhaire

Risk and Compliance@Flow

*Highly experienced audit and risk professional * was auditor for one of the leading audit firms of Uganda specialising in audit of financial services firms * conducted several audits of leading Microfinance institutions and banks in Uganda

Praveen Saldanha

Operations@Flow

* Among the very first mobile money distribution professionals in Uganda* built mobile money distribution for one of the leading mobile money distributors in Uganda

Juliet Lucima Akot

Legal@Flow

>8 years legal practice in digital economy, including for leading telecom companies  

Abhipriya Gupta

Senior Product Manager@Flow

– >10 years in Fintech startups
– Product Lead at Eko Financial Services  & PayNearby
– Led commercial SaaS partnerships

Varun Harirajan

Senior Engineering Operations Manager@Flow

Seasoned IT professional with 17 years of experience spanning various domains, starting as a QA engineer and advancing to Project Manager.