Flowpay
“Can an AI-driven SME lender become the embedded-finance lending API for European SaaS platforms and PSPs?”
Founded2020
HQPrague, Czech Republic (HQ); Amsterdam, Netherlands (parent FLOWPAY B.V.)
FoundersWilliam Jalloul
Latest roundSeed / Accelerator
IndustryFintech / Lending
The story
Flowpay launched in 2020 as a Czech SME lender automating risk scoring with AI and open banking data. The company has since productized its stack as an embedded-finance API (myFlowpay) targeting partner platforms — letting SaaS, marketplaces and PSPs offer SME loans up to €100K natively. The 2026 acquisition of Tapline added revenue-based financing aimed at software/subscription businesses, broadening Flowpay from pure working-capital loans to a multi-product embedded lending platform across regulated EU markets.
Last 12 months
Product timeline
2020
Flowpay founded in Prague to provide AI-driven SME financing.· pivot
2026
Acquired Tapline to expand revenue-based financing for SMEs and tech companies across Europe.· acquisition
Regulated entities
1
regulatory licence held by Flowpay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Flowpay’s embedded-finance stack
Lending
myFlowpay SME financing (up to €100K / CZK 2.5M)Fully Embedded (Native) Lending API for partner platformsTapline revenue-based financing (acquired 2026)
Accounting gap: none