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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.

Introducing Flow48

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

How it works

    1

    Create an account

    2

    Register business

    3

    Upload documents

    4

    Select offer

    5

    Receive money

Demo of corresponding step
Demo of corresponding step
Demo of corresponding step
Demo of corresponding step
Demo of corresponding step

Compare Flow48 with traditional finance

Debt

  • Requires collateral
  • Strict covenants
  • Expensive upfront and hidden fees
  • Administrative burden
  • Early payment penalties
  • High lending rates
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  • 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