Seamless Access to Growth Capital

Flow offers quick and hassle-free growth financing tailored to mobile money business. Our ecosystem-agnostic solution unlocks the full potential of shopkeepers, providing unparalleled convenience, competitive pricing, and the freedom of no collateral or complex paperwork. Experience a smarter way to grow your business with Flow.

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How It Works

Quick and simple access to loan

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Self-register on Flow App

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Apply for Float Advance

Simplified float advance application, now just a click away.

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Instant Access

Disbursed (within 15 mins) - if eligible for Flow products

Float Advance

Short-term growth capital loans (3-12 days) designed specifically for your business.

✔ Instant loans based on eligibility

✔ FA products between 250K - 5M UGX

✔ Apply for loan upgrade as your business grows

Download our app

Float Switch

✔ Easily and instantly switch your float between different mobile money providers

✔ Instantly transfer float from one operator to another

✔ Manage and Transfer float in any operator based on business

✔ Transfer float for others and earn money

Download our app

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Kula Finance

At Flow, we understand the unique challenges faced by businesses for growing their businesses. That’s why we’ve designed loan products that work the way you do — fast, flexible, and tailored to your needs.

✔ Kula: 1M–10M UGX for 1–2 months; Quick capital to run and grow

✔ Kula Plus: 5M–30M UGX for 3–6 months; Funding to grow and expand

✔ Kula Asset: 10M–50M UGX for 3–24 months; Invest in machinery, equipment, and tools to boost productivity.

Whether you’re managing daily operations or making big moves for the future, Kula gives you the financial tools to turn ambition into success.

Download our app

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Smiling man in green shirt stands in a shop with keys and products in the background.

With Flow, I overcame crippling float challenges and brought my business back to life. I started small, reinvesting in electronics, and quickly saw my commissions grow. Now, thanks to the Float Switch feature, I handle transactions across all networks effortlessly

– Tamale Alexander

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Flow has empowered me to sustain my float seamlessly for the past three years. Their prompt services have helped me grow my business and even launch a hardware shop. Flow has truly become the cornerstone of my entrepreneurial success.

– Agnes Jayang

Smiling woman wearing a black head wrap and light t-shirt sitting indoors beside shelves.

Flow transformed my business. It solved my float issues and helped me grow from 500,000 UGX to 1 million UGX. With Flow’s support, I’ve been able to expand into new ventures—and now, I even pay my children’s school fees through the profits I make.

– Nabossa Mary Peace

Empowering Small Businesses

We harness cutting-edge technology to deliver fast and accessible growth capital to small businesses.

Get in touch

Seamless Access to Growth Capital

How It Works

Self-register on Flow App

Apply for Float Advance

Instant Access

Float Advance

Float Switch

Kula Finance

With Flow, I overcame crippling float challenges and brought my business back to life. I started small, reinvesting in electronics, and quickly saw my commissions grow. Now, thanks to the Float Switch feature, I handle transactions across all networks effortlessly

Flow has empowered me to sustain my float seamlessly for the past three years. Their prompt services have helped me grow my business and even launch a hardware shop. Flow has truly become the cornerstone of my entrepreneurial success.

Flow transformed my business. It solved my float issues and helped me grow from 500,000 UGX to 1 million UGX. With Flow’s support, I’ve been able to expand into new ventures—and now, I even pay my children’s school fees through the profits I make.

Empowering Small Businesses

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