EU-Startups.com recently reported that Czech fintech Flowpay has launched in the Netherlands, supported by a €30 million facility from Fasanara Capital. It is a major step for a young company with a simple goal: helping small businesses get easier access to funding.

From Czechia to the European stage

Flowpay was founded in 2021 in Prague by William Jalloul, who noticed how often small businesses were turned away by traditional banks. Across Europe, the financing gap for SMEs is estimated at around €400 billion.

Rather than becoming another bank, Flowpay built something lighter. It offers embedded lending inside the digital tools small businesses already use, such as e-commerce platforms, accounting systems, and point-of-sale software. No extra forms. No appointments. Just quick, data-driven lending.

In 2024, Flowpay raised €2.1 million in seed funding from Czech investors Soulmates Ventures and DEPO Ventures, after joining the ABN AMRO & Techstars Future of Finance accelerator in Amsterdam. Those experiences helped the company prepare for international expansion.

Lending that fits naturally into daily life

Flowpay connects directly to business data sources like sales, accounting, and banking. This lets it assess each company’s financial health in real time and offer loans up to €100,000 within minutes.

In Czechia and Slovakia, the idea caught on quickly. Flowpay integrated its service with Shoptet Boost, Dotykačka, and Storyous, turning funding into a background feature of the tools entrepreneurs already rely on.

A new chapter in the Netherlands

With the new €30 million credit facility from Fasanara Capital, Flowpay can now scale its model to serve thousands of SMEs in the Netherlands and other European markets. The investment signals strong confidence in its approach and underlines the need for faster, simpler lending options for Europe’s small business economy.

Key takeaways for fintech startups

Before the bullet list, here’s a short intro sentence, as per your rule.

• Solve a real problem. Flowpay addresses a visible funding gap for SMEs that banks have not filled.
  
  
• Use real data. Assessing live performance data leads to faster and fairer decisions.
  
  
• Integrate into existing tools. Meeting users where they already work increases adoption.
  
  
• Partner to grow. Collaborations with accelerators and software providers can speed up expansion.
  
  
• Balance growth and control. Rapid lending requires careful risk management to stay sustainable.

Your Fintech Story helps startups like Flowpay refine their strategy and communicate it effectively. If your company is ready to grow, reach out and let’s shape your story together.