Flowpay, a FinTech and Knowledge & AI firm out of Prague that has constructed an Embedded Finance Infrastructure to assist SME progress, has formally launched within the Netherlands and secured a €30 million facility from funding supervisor Fasanara Capital.
The launch follows its participation within the ABN AMRO + Techstars Way forward for Finance Accelerator in Amsterdam, The brand new line of credit score will speed up Flowpay’s mission to shut Europe’s €400 billion SME financing hole by offering “quick, accessible, and versatile progress capital” to SMEs.
“This new credit score line from Fasanara Capital allows us to strengthen our place as a number one embedded lending resolution in Europe,” mentioned William Jalloul, CEO and Founding father of Flowpay. “Our ambition is to develop into the following European FinTech unicorn empowering SMEs throughout the continent with quick, data-driven, and versatile financing that fuels actual financial progress.”
Flowpay’s €30 million facility situates it inside a transparent European development of FinTechs addressing the SME financing hole by data-driven, embedded-finance fashions.
In Poland, Wealthon secured €126.2 million to broaden its SME-financial companies ecosystem, whereas Dutch fintech FINOM attracted €92.3 million to scale its platform for small companies. Within the UK, Juice raised €29.4 million to supply new financing choices for native SMEs, and Italy’s Sibill closed a €12 million spherical for its all-in-one finance platform.
Within the Netherlands, Factris additionally raised €100 million to broaden SME lending throughout Europe, signalling sustained investor urge for food for this phase.
Flowpay’s growth from Central and Jap Europe into the Netherlands mirrors this broader sample of FinTechs scaling pan-European embedded finance infrastructure. Its partnership with Fasanara Capital follows earlier SME-finance funding collaborations, such because the investor’s 2023 facility with SME Finance, additional underscoring continuity in capital flows into SME-lending innovation.
“Flowpay has developed a know-how that makes SME financing quicker, less complicated, and scalable. We imagine the way forward for monetary markets will depend on progressive fashions like this. Our partnership with Flowpay aligns with our mission to bridge the funding hole confronted by European SMEs,” mentioned Matt Kus, Associate and Head of Origination at Fasanara Capital.
Flowpay was based in 2021 by serial entrepreneur and investor William Jalloul, who created the corporate to make entry to capital simple for the companies that type the spine of the financial system. The corporate is lively within the Czech Republic, Slovakia, and the Netherlands.
Slightly than focusing solely on threat, Flowpay makes use of AI to judge the potential of every enterprise and supply operational financing that helps their progress. Its AI-driven platform automates the whole course of from funding purposes to threat evaluation and analysis.
The corporate makes use of an embedded lending infrastructure that permits companies to entry its companies immediately inside the platforms they already use daily. This method removes pointless paperwork and eliminates the inefficiencies of conventional banking. By connecting to programs akin to point-of-sale, e-commerce platforms, and different information sources, Flowpay analyses enterprise efficiency and presents tailor-made financing options.
Flowpay allows SMEs to entry totally digital and versatile loans of as much as €100,000, with out conventional paperwork.
The €30 million debt financing from Fasanara Capital will speed up Flowpay’s European growth. After constructing its presence within the Czech Republic and Slovakia, the Netherlands marks Flowpay’s first Western European market and the institution of its new Dutch entity.
EU-Startups beforehand featured Flowpay in March 2025 when the corporate introduced its €30 million to lend to SMEs and innovate embedded finance.
