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Flowpay

Flowpay is an embedded lending infrastructure bridging Europe’s €400B SME funding gap. We deliver fast, flexible financing to SMEs, embedded into the platforms they use daily, such as POS systems, e-commerce platforms, or payment providers. Our AI models assess risk via 1,000+ data points, enabling financing that’s faster, smarter, and seamless. With a 1.5% default rate, we’re redefining SME credit. In addition to building embedded finance infrastructure for SME platforms, Flowpay develops advanced AI tools and solutions offered as SaaS to banks, fintechs, and non-bank institutions — including PD risk models, revenue forecasting, open banking categorization or a full loan management system — reshaping how 27M European SMEs access capital.

  • Vendor typesInfrastructure & Platforms
  • Client typesB2B (enterprises), B2B (startups and SMEs)
  • Business ImpactsData-Driven Decisions & Planning, New Revenue & Business Models, Operational Efficiency & Cost Savings, Risk Reduction & Compliance
  • IndustryFinancial Services, Markets & Insurance, Hospitality & Travel, Industry Agnostic, Retail & E-commerce
  • Application areasData Analytics & Business Intelligence, Finance & Accounting, Legal, Compliance & Risk, Operations & Process Automation, Strategy, Planning & Decision-Making
  • Solutions & Services

    Custom Solutions

    Embedded & Edge AI Development, Proof-of-Concept & Pilot Projects, System Integration & Workflow Automation

    Data Services & Operations

    AI Testing, Evaluation & Validation, Data Analytics & Business Intelligence, Data Annotation & Labeling, Data Preparation & Management

    Platforms, Tools & Infrastructure

    AI/ML Development & Operations Platforms (MLOps), Data & AI Platforms

    Ready-Made Solutions

    Products & Applications, SaaS
  • Technical expertises

    Classical AI & Applications

    Operations & Process Automation, Optimization & Decision Intelligence, Time Series Analysis & Forecasting

    Data & Infrastructure

    Data Engineering & Architecture, Data Governance, Quality & Compliance, Data Integration & Pipelines, Data Visualization & Business Intelligence, Deployment Infrastructure & Compute Optimization, Metadata Management & Semantic Layering

    Machine Learning & MLOps

    AI Testing, Evaluation & Validation, Classical ML & Applied Predictive Modeling, MLOps, Model Lifecycle & Tooling

    Research & Innovation

    Advanced Algorithm & Model Development

credit scoring, risk assessment, predictive modeling, embedded finance, underwriting, fintech, cashflow prediction, SME lending, transaction analytics, MLOps, API, real-time scoring, automation, credit decisioning, model validation, KYC, data integration, fraud detection, revenue financing, portfolio monitoring, loan management, SaaS lending, AI infrastructure, lending APIs, risk monitoring, credit risk, Onboarding, PSD2, default prediction

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