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Description
http://Flowpay.io is a technology-driven specialty lender founded in 2021. Headquartered in Prague, Flowpay focuses on providing flexible credit solutions to SMEs in the CEE region. By utilizing “Embedded Finance,” Flowpay allows businesses to access capital directly through the platforms they already use to run their shops and websites.
The platform offers direct business loans of up to €100,000, which are processed fully online with no paperwork required. By leveraging proprietary AI models trained on a database of over 30,000 SMEs and assessing risk across more than 1,000 data points per client, Flowpay enables smarter, data-driven decisions.
Flowpay’s success has been recognized with major industry accolades, including being named “Fintech of the Year 2025” and ranking in the Deloitte Technology Fast 50 for Central Europe. The firm is led by a core team with approximately 100 years of combined experience managing over €40 billion in assets under management.
On Lendermarket, Flowpay provides SME loans with interest rates of up to 11% and terms typically ranging up to 12months. All offers include a Buyback Obligation by Flowpay, providing an additional layer of security for Lendermarket investors.
Country
Loan Originator
Issue date
Goal
Raised
Funding progress
Loan period
Final payment date
Interest rate
Country
Slovakia
Flowpay
Issue date
06.08.2026
Goal
of 22,500 €
Raised
19,249 € raised
Funding progress
86%
Loan period
12 months
Final payment date
09.08.2027
Interest rate
11.0%
Country
Slovakia
Flowpay
Issue date
04.08.2026
Goal
of 20,000 €
Raised
18,119 € raised
Funding progress
91%
Loan period
12 months
Final payment date
06.08.2027
Interest rate
11.0%
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About the Lendermarket
At Lendermarket we connect investors – private persons and institutions – to loans issued by carefully selected loan originators from various countries around the globe, in one online P2P investment marketplace.
Minimum investment
10 EUR Advertised return
13.46% Investors
22,848 Payment options
Bank transfer, Direct debit Total funding volume
658,800,000 EUR Average loan duration
6.3 months What does Lendermarket offer?
We focus on helping our customers achieve long-term profitability by offering a wide list of credit portfolios with different risk levels and building the most accessible platform that is both secure and easy to use. We believe that the key to investment success is striking the right balance between risk and reward in your portfolio.
Introducing Auto Invest FLEX — our flexible automated investment option with an early-exit feature. Unlike standard Auto Invest, FLEX lets you request to exit part or all of your active portfolio (10%–100%) before loan maturity, subject to demand from other investors. Each portfolio is tied to a specific Loan Originator and shows the key details upfront — interest rate, term range, and service type (Regulated or Unregulated). An early-exit fee applies (50% of the portfolio’s annual interest rate). As with all investing, returns are not guaranteed and capital is at risk.
Min Investment
€100
Advertised Return
7-10%
Secondary Market
No
Auto-Invest
No
Min Investment
€25
Advertised Return
6%
Secondary Market
No
Auto-Invest
Yes
Popular
Min Investment
€50
Advertised Return
14.9%
Auto-Invest
Yes
Popular
Debitum Investments
Verified platform
Regulated
Min Investment
€10
Advertised Return
14.83%
Auto-Invest
Yes
Popular
Min Investment
€10
Advertised Return
12%
Auto-Invest
Yes
Min Investment
£10
Advertised Return
15%
Auto-Invest
Yes
Min Investment
€5
Advertised Return
5.44%
Auto-Invest
Yes
Min Investment
₹500
Advertised Return
8%
Auto-Invest
No