About Flowpay

Flowpay is a fintech pioneer specializing in embedded finance for small and medium-sized enterprises (SMEs). By moving beyond traditional, slow-moving banking methods that rely on outdated tax returns, Flowpay utilizes real-time data from Point-of-Sale (POS) systems, e-commerce platforms, and bank transactions to assess business potential. Their proprietary AI models analyze hundreds of data points to provide precise risk scoring, allowing businesses to access growth capital in minutes rather than weeks.

For platform partners—such as marketplaces, ERPs, and payment processors—Flowpay offers a "Plug-and-Play" lending solution. This enables these platforms to provide branded financial services to their own merchants, increasing user retention and creating new revenue streams without taking on the operational burden of credit management. By bridging the gap between digital platforms and capital, Flowpay ensures that healthy businesses can scale based on their actual performance data.

Products & Services

• Embedded Lending Infrastructure: A white-label API and SDK suite that allows B2B platforms to integrate financing options directly into their existing user interface.

• SME Working Capital Loans: Fast, non-purpose business loans designed to cover inventory, marketing, or seasonal gaps, with flexible repayment terms based on business health.

• Revenue-Based Financing: Non-dilutive capital specifically for SaaS and subscription-based companies, allowing them to convert future recurring revenue into immediate upfront cash.

• Risk-as-a-Service (RaaS): AI-driven predictive modeling and underwriting tools offered to financial institutions to help them better understand and score SME risk through alternative data.

• Automated Underwriting: A fully digital application process that utilizes PSD2 bank data and platform integrations to provide instant credit decisions with zero physical paperwork.

• Merchant Insights Dashboard: Real-time financial health monitoring for SMEs, providing cash flow forecasting and performance analytics derived from integrated business data.

For more information, please visit www.flowpay.mx

Contact @ Flowpay:

Keiji Peña | Email: keiji.pena@kinnovating.io