Securing funding has long been a struggle for small businesses. Traditional banks often shut their doors due to rigid credit scoring models and outdated evaluation processes. This leaves many SMEs stranded without the capital they need to grow. But Czech fintech startup Flowpay is changing that narrative—and now it’s ready to scale.
The Prague-based company just secured €30 million in debt financing from UK investment firm Fasanara Capital, fueling its mission to revolutionize SME embedded lending across Europe. Flowpay’s AI-driven platform offers small businesses seamless access to financing—right from the tools and platforms they already use every day.
Founded by serial entrepreneur William Jalloul, Flowpay is laser-focused on helping SMEs overcome funding barriers. At just 34, Jalloul already boasts an impressive track record, having launched successful ventures like InspiPay and financial services firm GFS. Now, his sights are set on turning Flowpay into Europe’s next fintech unicorn.
“This new credit facility from Fasanara Capital gives us the fuel to expand aggressively beyond our current markets in the Czech Republic, Slovakia, and the Netherlands,” Jalloul shared. “Our ambition is clear—we’re building one of Europe’s leading embedded lending solutions.”
Unlike traditional lenders, Flowpay takes a smarter approach. The company leverages artificial intelligence to assess both the risk and potential of small businesses. This enables faster loan approvals and personalized financing offers—all without drowning business owners in paperwork.
By embedding its lending services directly into platforms that SMEs already rely on, Flowpay delivers capital precisely when and where it’s needed. Whether it’s to seize growth opportunities or navigate cash flow challenges, SMEs gain frictionless access to funds—no more bank rejections or endless paperwork.
The partnership with Fasanara Capital isn’t just about capital. It’s a shared vision to support the millions of small businesses left behind by outdated banking models. According to Fasanara’s Matt Kus, Flowpay’s AI-driven platform is uniquely positioned to close the multi-billion-euro funding gap facing European SMEs.
“Technology is the key to unlocking better financing options for small businesses,” Kus explained. “Flowpay’s embedded lending model not only simplifies the borrowing experience but also ensures SMEs have the capital they need to grow. This aligns perfectly with our mission at Fasanara—to empower smaller players excluded by traditional scoring methods.”
With this fresh funding, Flowpay plans to scale its services further across Europe, continuing to streamline how SMEs access working capital. By embedding financing directly into daily business platforms, Flowpay is breaking down lending barriers—and positioning itself as a major player in Europe’s SME embedded lending space.
As more small businesses adopt tech-driven solutions, Flowpay is set to play a critical role in reshaping the future of SME financing.
