Global
Global
Flow builds the data and technology rails that allow financial institutions to underwrite and deploy fast, reliable credit to small businesses at scale.
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Traditional lending infrastructure wasn't built for these businesses: little to no formal credit history, small ticket sizes, high transaction volume, and fragmented, inconsistent business records.
Flow closes that gap. We build the credit scoring, disbursement, and collections infrastructure this segment needs — and license it to financial institutions, so they don't have to build it themselves.
Automated Credit Scoring: Financial profiles built from alternative data like transaction history, sales income, mobile money usage patterns and behavioral signals
Disbursement: Leverage existing mobile money and banking rails to process quick credit
Collections: Automated repayment tracking, reconciliation, and recovery workflows — built for high-volume, low-ticket repayment patterns that don't fit conventional loan-servicing tools.
On-the go Apps:A white-labeled mobile experience for your field team and customers; advanced analytics and operational dashboard for back-end ops teams
Trusted by financial institutions: Proven in Flow Uganda and Flow Rwanda — live since 2019 and 2022 respectively.
Licensed to partners: IZWE uses the Flow platform to provide liquidity solutions to mobile money agents in Zambia, Kenya and Ghana. SIPEM Banque also uses the platform to finance agents in Madagascar.
Since 2019, Flow has enabled financial institutions to provide liquidity solutions to small businesses through the platform
Together with our partners, Flow is expanding access to finance for small businesses across emerging markets.
50K+
Small Businesses Registered
2M+
Loans Disbursed
$400M+
Value Disbursed
7
Partners enabled
6
Active markets
>98%
Ontime Repayments
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.
