Global
Global
The Flow Liquidity Engine combines data-led credit scoring, disbursement, and collections into a single platform, built specifically for small business lending in emerging markets.
✔ Automate disbursal, collections, and account reconciliation end-to-end
✔ Configure credit scoring to your own risk criteria
✔ Fully digital customer onboarding
✔ Business logic configuration for upgrades, downgrades and customer management
✔ White-labeled mobile app for field officers, under your brand
✔ Manage pipelines and customer relationships directly from the field
✔ Track field officer performance from a central dashboard
✔ Give credit, compliance, and collections teams real-time visibility into customer and portfolio performance
✔ Track sales and field officer performance across your entire network
✔ Advanced analytics on credit risk, collections efficiency, and portfolio health
✔ Role-based access, so each team sees exactly what it needs
✔ White-labeled mobile app for your customers, under your brand
✔ Apply and repay anytime, 24/7
✔ In-app support, built in
Flow Uganda is a licensed financial services provider regulated by UMRA. It has disbursed $325M+ in short-term working capital loans to more than 35,000 mobile money businesses via the platform.
IZWE Zambia is a licensed financial services provider offering flexible loans and digital payment solutions to businesses across Zambia. It launched mobile money business financing on the Flow platform in 2024.
Flow Rwanda is a licensed financial services provider regulated by the National Bank of Rwanda. Launched in 2022, it has served more than 14,000 small businesses via the Flow platform
IZWE Ghana is a licensed financial services provider offering flexible loans and digital payment solutions to businesses across Ghana. It launched mobile money business financing on the Flow platform in 2026.
SIPEM Banque is a prominent Malagasy commercial bank focused primarily on microfinance and supporting micro, small, and medium-sized enterprises (MSMEs) across Madagascar. Flow platform powers its mobile money business lending product
Mama Bank is a licensed micro-bank in Papua New Guinea — the first and only women-focused bank in the Pacific region — focused on expanding financial access for women and small businesses. It has partnered with Flow to digitize its lending workflow and reach more small businesses across PNG
Partnering with Flow Global has enabled Izwe to unlock a completely new business segment—offering short-term working capital to Mobile Money Agents in Zambia through the Izwe Float facility. The Flow platform’s flexibility has allowed us to scale with rapid disbursements, seamless reconciliation, and improved operational efficiency. With Flow, we’ve been able to deliver a fast, transparent, and hassle-free financial solution that empowers agents to grow their businesses with confidence.
- Willie Steenkamp, Financial Services Specialist, IZWE
Flow’s app has empowered us to scale our lending operations significantly. We now manage over 1,000 new leads, engage with more than 10,000 users, and process loans exceeding USD 8 million each month.
– Praveen Saldanha, CEO, Flow Uganda
Flow offers invaluable reliability, business skills and agility, so that together we can succeed in an innovative and promising partnership throughout Madagascar.
- Benoit SARRAUTE, General Director, Sipem Banque, Madagascar
Flow’s platform has enabled us to adapt our strategy swiftly, allowing a seamless shift from a door-to-door sales approach to a distributor-led agent financing model. It now supports customer onboarding through Sales Representatives, the Support Team, and multiple channels.
– Maradona Hussein, COO, Flow Rwanda
We harness cutting-edge technology to deliver fast and accessible
growth capital to small businesses.
