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Receive cash today for the revenues of tomorrow
Now
No funding
Your future revenue
Our Mission
Flow48 enables SME growth by transforming future revenues into up-front capital under flexible terms. We believe your cash should flow on your terms.
Our Products
Invoice Based Financing
Accelerate the cash locked up in your unpaid invoices
Revenue Based Financing
Accelerate the cash tied to your future revenues
Why Flow 48
Fast
Electronic enrollment and approval
Funding within 24-48 hours
Flexible
Access capital only when you need it
Repayment schedules to fit your business
Balance Sheet Friendly
No need to give up equity
No need to pledge collateral
Customer feedback
“FinTechs like Flow48 have a trust and understanding for SMEs that banks do not have. Flow48’s flexibility is crucial to sustain and grow our operations.”
Client Spotlight
“The banks simply cannot move fast enough to properly service the renewable energy revolution... Flow48 can.”
How it works
1
Create an account
2
Register business
3
Upload documents
4
Select offer
5
Receive money
Compare Flow48 with traditional finance
Debt
Requires collateral
Strict covenants
Expensive upfront and hidden fees
Administrative burden
Early payment penalties
High lending rates
Instant access to funding
Fast and simple enrollment
Non-dilutive
No collateral required
Flexible repayments
Transparent fees
Tailored to SME needs
Equity
Dilutive
Lose control over decision making
Expensive capital
Long due diligence period
Monthly reporting requirements
Restricted use of funds