Flowpay expands European footprint, offering fast, AI-driven SME financing to close the continent’s €400 billion funding gap
Czech startup Flowpay is making waves in Europe’s FinTech scene. The Prague-based company has officially launched in the Netherlands, backed by a €30 million credit facility from investment manager Fasanara Capital. The move comes after Flowpay’s successful participation in the ABN AMRO + Techstars Future of Finance Accelerator in Amsterdam.
Flowpay’s mission is ambitious: closing Europe’s €400 billion SME financing gap by providing fast, accessible, and flexible growth capital to small and medium-sized enterprises. “This new credit line enables us to strengthen our position as a leading embedded lending solution in Europe,” said William Jalloul, CEO and founder of Flowpay. “Our goal is to empower SMEs with fast, data-driven financing that fuels real economic growth.”
AI-Powered, Embedded Finance for SMEs
Flowpay leverages AI technology to evaluate business potential rather than focusing solely on risk. Its embedded lending infrastructure allows businesses to access financing directly within the platforms they already use, from point-of-sale systems to e-commerce platforms. This approach eliminates paperwork, streamlines processes, and provides tailored financing solutions.
With loans of up to €100,000, SMEs can now access fully digital, flexible financing that supports growth without traditional banking hurdles. The €30 million debt facility from Fasanara Capital will accelerate Flowpay’s expansion into Western Europe, following its earlier presence in the Czech Republic and Slovakia.
Riding the European FinTech Trend
Flowpay’s launch reflects a broader trend in Europe, where fintechs are addressing SME financing gaps with data-driven models. In recent months:
Poland’s Wealthon raised €126.2 million to scale its SME financial ecosystem.
Dutch fintech FINOM secured €92.3 million for small business growth.
UK’s Juice raised €29.4 million for SME financing options.
Italy’s Sibill closed €12 million for an all-in-one finance platform.
Factris in the Netherlands raised €100 million to expand SME lending across Europe.
“This partnership aligns with our mission to bridge the funding gap for European SMEs,” said Matt Kus, Partner at Fasanara Capital. “Flowpay has developed a technology that makes SME financing faster, simpler, and scalable.”
Looking Ahead
Founded in 2021 by serial entrepreneur William Jalloul, Flowpay is now poised to become a pan-European FinTech leader, offering innovative solutions that make SME financing seamless, smart, and growth-focused. Its expansion into the Netherlands marks the first step into Western Europe and signals a growing momentum for embedded finance across the continent.
Conclusion
Europe’s SMEs now have a faster, smarter way to access capital, and Flowpay is leading the charge. Stay tuned as this Czech FinTech continues to scale across the continent. Share your thoughts or experiences with SME financing in the comments below!
