FLOW IS POWERED BY THE FLOW LIQUIDITY ENGINE*

Unique technology platform addressing all use cases for liquidity provision to small businesses who lack collateral and traditional credit histories

HOW IT WORKS

LIQUIDITY ENGINE

Customer profile based on alternative data analytics, scoring leveraging machine learning, customer centric product design, end-to-end product management, disbursements and collections, field app digitizing boots on the ground, APIs and reporting layers for all key stakeholders: data providers, capital providers, payment service providers. .

HOW IT WORKS

1. SMALL BUSINESSES

Are the centre of economic activity in emerging markets. They employ 2 billion+ people and sell 80%+ of all goods and services. They lack working capital but are increasingly digitizing, creating actionable data sets.

HOW IT WORKS

2. PARTNERS

Digital ecosystems and platforms (e.g. mobile money providers) benefit from more liquidity. Capital providers require efficient and secure ways to deploy capital. Both partner with Flow to increase revenues.

HOW IT WORKS

3. FINANCIAL PROFILE

Leveraging alternative business related data, the Flow Liquidity Engine creates detailed financial profiles on small businesses. This includes scores regarding creditworthiness as well as future revenue potential.   .

HOW IT WORKS

4. TAILORED DIGITAL ENTERPRISE FINANCE

The Flow Liquidity Engine delivers customised enterprise finance solutions based on financial histories of the independent businesses.The Flow Liquidity Engine manages the entire product cycle.

HOW IT WORKS

LIQUIDITY ENGINE

Customer profile based on alternative data analytics, scoring leveraging machine learning, customer centric product design, end-to-end product management, disbursements and collections, field app digitizing boots on the ground, APIs and reporting layers for all key stakeholders: data providers, capital providers, payment service providers. .

HOW IT WORKS

1. SMALL BUSINESSES

Are the centre of economic activity in emerging markets. They employ 2 billion+ people and sell 80%+ of all goods and services. They lack working capital but are increasingly digitizing, creating actionable data sets.

HOW IT WORKS

2. PARTNERS

Digital ecosystems and platforms (e.g. mobile money providers) benefit from more liquidity. Capital providers require efficient and secure ways to deploy capital. Both partner with Flow to increase revenues.

HOW IT WORKS

3. FINANCIAL PROFILE

Leveraging alternative business related data, the Flow Liquidity Engine creates detailed financial profiles on small businesses. This includes scores regarding creditworthiness as well as future revenue potential.   .

HOW IT WORKS

4. TAILORED DIGITAL ENTERPRISE FINANCE

The Flow Liquidity Engine delivers customised enterprise finance solutions based on financial histories of the independent businesses.The Flow Liquidity Engine manages the entire product cycle.