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About us

Receive cash today for the revenues of tomorrow


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


  • Electronic enrollment and approval

  • Funding within 24-48 hours


  • 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

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“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


    Create an account


    Register business


    Upload documents


    Select offer


    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


  • 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


  • Dilutive
  • Lose control over decision making
  • Expensive capital
  • Long due diligence period
  • Monthly reporting requirements
  • Restricted use of funds