Flowt
HomeLoan ProductsAbout Us
Get StartedLogin
Working capital for emerging markets

Financial intelligence that unlocks capital for small & mid-size businesses in emerging markets

Flowt's platform serves as the financial source of truth for small & mid-size businesses and investors to unlock working capital.

Am I eligible?
Financial health scorePre-qualified
78/100
15 of 20 metrics in low-risk range
Loan offer
KES 5M
Invoice Financing · 90-day facility
Rate
2% / mo
Decision
2 business days

* In partnership with Choice Microfinance Bank, licensed & regulated by the Central Bank of Kenya

Fast
Complete due diligence in minutes, not months — based on verified financials.
Affordable
We derisk loans through better financial intelligence, rather than pricing for a high rate of defaults.
Unsecured
We lend based on verified transaction history, not the assets you own.
Flexible
Pay interest only on the days you need the facility, and reset your credit limit automatically after repayment.
How Flowt works for you

Built for entrepreneurs, trusted by lenders

Securely connect your bookkeeping software or upload your management accounts
1

Securely connect your bookkeeping software or upload your management accounts

Bank-level security with 256-bit encryption and OAuth 2.0 authentication keeps your data safe while enabling instant synchronization for readiness scoring.

Eligibility

Are you eligible?

We're piloting in Kenya with a focus on climate-adjacent industries. Here's what we look for:

Business type
Registered business
Geography
Piloting in Kenya , stay tuned for expansion
Operating history
6+ months
Financial records
Most transactions via bank or mobile money
Eligible sectors

Climate-adjacent industries across Africa

We focus on small and growing businesses operating in these four green sectors:

Green Manufacturing
Recycled plastics, eco-friendly products, waste-to-energy
Agri-businesses
Input suppliers, aggregators, agri-processors, value-added food production
Distributed Renewable Energy
Solar home system distribution, mini-grid operations
Electric Vehicles
E-bikes, motorbikes & cars, battery swapping
Our products

The right facility for your business

Working capital products designed around how money actually flows in your business.

Invoice Financing

Advance against outstanding payments due from your customer, get paid now before the credit period ends.

Repayment source
Customer payment after credit period

Purchase Order Financing

Cash to fulfill customer purchase orders before you get paid, bridge the gap between order and delivery.

Repayment source
Customer payment after PO fulfillment

Inventory Financing

Finance the purchase of stock before making sales, keep shelves stocked without tying up working capital.

Repayment source
Inventory sales proceeds

Grant Contract Financing

Advance on a reimbursement-based grant contract or RBF, deliver your program without waiting for disbursement.

Repayment source
Grant or Results-Based Financing (RBF) disbursement
Get started

Get prequalified by running a financial health check

Choose the path that matches your business: we work with or without formal management accounts.

With management accounts

Financial Intelligence Tool

AI-powered health check & financing readiness via secure API to your accounting software or Excel upload.

  • Auto-calculation of key lender metrics with easy-to-understand explanations
  • Insights into best and worst customers & suppliers
  • Reconciliation with bank & M-Pesa statements with discrepancy flagging
  • Recommended loan terms & products tailored to your business
  • Customised recommendations to improve overall investability
Assess your financial health →
Without management accounts

P&L Generator

Leverages AI/ML to transform bank & M-Pesa statements into a cash-based profit & loss and cash flow statement.

  • Easy to use for any business owner or admin, no finance background needed
  • Auto-categorisation of bank & M-Pesa transactions with manual correction
  • Recommends chart of accounts based on business type & accounting standards
  • Automatically generated investor-ready financial metrics
Generate your P&L →
Your data is safe

Enterprise-Grade Security

Your financial data is one of your business's most valuable assets. That's why Flowt is built with security at every layer—from the moment you connect your accounts to the secure storage of your documents.

End-to-End Encryption
Data moving between your device and Flowt is protected with modern TLS, then encrypted at rest using industry-standard AES-256 — covering your financial data, documents and personal information.
Secure Financial Connections
Your login credentials are never stored or seen by Flowt; where supported we use secure, token-based authentication. We connect with read-only access to only the data needed for credit assessment — never customer contacts, salaries or other sensitive records.
Trusted Cloud Infrastructure
Flowt runs on enterprise-grade cloud infrastructure in ISO 27001-certified data centres, with continuous monitoring, automated backups and high-availability architecture to keep your data secure and available.
Strict Access Controls
Access to customer data is restricted with role-based access controls (RBAC), multi-factor authentication (MFA) and least-privilege principles. Every administrative action is logged and audited.
Privacy by Design
Your data is used solely to assess your financing application and provide Flowt services. We never sell your data, and never share it with third parties without your consent or where required by law.
Security Best Practices
We follow internationally recognised security practices: encryption in transit and at rest, secure development, continuous monitoring, audit logging and regular infrastructure updates against emerging threats.

Ready to Transform
Your Funding Journey?

Take the first step toward accessing working capital financing for your climate-smart business in Africa.

© 2026 Flowt. All rights reserved.

Privacy PolicyTerms of Service