Empowering Small Businesses

At Flow, we enable small businesses to grow in the digital economy. We catalyze growth by delivering tailored liquidity solutions.

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Small businesses globally struggle to access growth capital

Traditional Lenders overlook this segment, making it hard for businesses to grow

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Tailored Growth Capital for Mobile Money Agents

In emerging markets, mobile money agents—operating as small businesses—play a vital role in the financial ecosystem. Float financing for mobile money agents is the first global problem we solve.

Using a data-driven approach, we provide growth capital to help agents scale rapidly and efficiently.

Technology for Fast, Accessible Solutions

We harness cutting-edge technology to deliver fast and accessible growth capital to small businesses.

By leveraging data-driven insights, we streamline loan approvals and ensure businesses can access liquidity quickly when they need it most.

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Empowering Change Through Innovation

Since 2019, Flow has delivered impactful financial solutions across emerging markets.

With over $200 million in liquidity disbursed and a presence in 10+ ecosystems, we continue to expand our reach and support mobile money agents globally.

2019

Launched our flagship product FA (Float Advance) in Uganda

2020

Partnered with a leading mobile money aggregator in Uganda

2021

Expanded FA (Float Advance) to leading telecom mobile money agents in Uganda

2022

Launched FA (Float Advance) in Rwanda

2023

Launched operations in Madagascar

2024

Established first technology partnership with a commercial lender in Zambia to enable growth capital for mobile money agents

2025

Reached milestone of one million loans processed

Over

40,000

Small Businesses Registered

Over

1,500,000

Loans Disbursed

Over

$325M

Value Disbursed

Active in

All Major

Mobile Money Ecosystems

Active in

5

Markets

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Trusted by 45,000+ Customers Across Markets

Insights from customers and investors in our existing markets.

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With Flow, I overcame crippling float challenges and brought my business back to life. I started small, reinvesting in electronics, and quickly saw my commissions grow. Now, thanks to the Float Switch feature, I handle transactions across all networks effortlessly

– Tamale Alexander

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Flow has empowered me to sustain my float seamlessly for the past three years. Their prompt services have helped me grow my business and even launch a hardware shop. Flow has truly become the cornerstone of my entrepreneurial success.

– Agnes Jayang

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Flow transformed my business. It solved my float issues and helped me grow from 500,000 UGX to 1 million UGX. With Flow’s support, I’ve been able to expand into new ventures—and now, I even pay my children’s school fees through the profits I make.

– Nabossa Mary Peace

Empowering Small Businesses

We harness cutting-edge technology to deliver fast and accessible
growth capital to small businesses.

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With any investment, your capital is at risk. The value of your investment with Flow can fluctuate, and past performance does not guarantee future results. Tax treatment and individual outcomes may vary, and we recommend consulting a qualified advisor if you have questions about investments or tax considerations. By using this website, you agree to our Terms and Privacy Policy.