We are Committed to Redefining Small Business Financing

At Flow, we are committed to empowering small businesses with the liquidity they need to thrive. With over 180 million micro and small retail merchants in emerging markets driving the distribution of more than 80% of goods and services, we focus on ensuring that these businesses—often ignored by traditional lenders—have access to the financial services they deserve.

Our Mission
Our Approch
Global Reach
Our Team

Our Mission

We enable small businesses to unlock growth opportunities through tailored financial solutions. Our provider-agnostic approach allows us to work across diverse mobile money ecosystems, helping businesses scale with ease.

Our Approach

We believe small businesses should receive the same high-quality financial services as large corporations. With liquidity available at the touch of a button and personalized customer care, we ensure that businesses can grow sustainably.

We also prioritize data privacy, using advanced data analytics to offer insights while respecting customer confidentiality.

Global Reach and Impact

Operating across multiple countries and ecosystems, Flow has disbursed over 750,000 float advances, totaling more than $160 million to date. We drive financial inclusion in underserved markets by bridging the gap between traditional financial institutions and emerging businesses.

Our Team

Nitin Garg and Michael Rothe started Flow with the mission to empower and enable growth for small businesses globally