An AI-powered fintech platform that provides unsecured working capital financing for climate-smart small and growing businesses in Africa using verified financial data.
Flowt Product Overview
Is Flowt Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Climate-smart SMEs
- Growing small businesses
What It Does Well
- Unsecured working capital
- Verified data decisions
Things to Check
- Kenya availability
- Loan size limits
About Flowt
Flowt is an AI-powered fintech platform that provides fast, flexible, unsecured working capital financing to climate-smart small and growing businesses in Africa, using verified financial data to assess eligibility and support lender decisions.
Key capabilities include:
- Financial health check and scoring by ingesting bank and M-Pesa statements or connecting to accounting tools (including QuickBooks, Zoho, and Odoo) to generate a cash-based profit and loss view and key financial metrics.
- Financing readiness and prequalification that assesses a business’s data and supports rapid decisions, with guidance for businesses that are not yet ready for financing.
- Working capital facilities delivered through partnerships with regulated financial institutions, including support for disbursements and repayments via a dedicated account.
- Due diligence and risk signals that help surface transaction patterns and indicators relevant to credit assessment, supporting faster lender evaluation.
Available on Web.
Built for formal-sector, climate-smart SMEs/SGBs (for example, green manufacturing, agri-processing, distributed renewable energy, clean cooking) and for lenders, investors, and grantmakers that need tools to find, assess, and monitor these businesses.
It is notable in the African market for combining a business loans marketplace approach with a financial data layer aimed at making climate-smart SMEs more legible to financiers, with early deployment in Kenya and an Africa-wide positioning for the “missing middle.”
Flowt Facts
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Flowt Funding History
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Latest Flowt News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataFrequently Asked Questions About Flowt
Flowt is an AI-powered fintech platform that provides unsecured working capital financing to climate-smart small and growing businesses in Africa using verified financial data. You connect your bank and M-Pesa statements or accounting tools so Flowt can run a financial health check, generate key metrics, assess financing readiness, and then match you with working capital loan offers from partner financial institutions.
Flowt is headquartered in Nairobi and is actively operating in Kenya, serving climate-smart small businesses there through local financial institution partnerships. It positions itself to serve climate-smart SMEs across Africa, but specific country operations beyond Kenya are not clearly listed.
You can sign up for Flowt by visiting the Flowt website and starting the financial health check and onboarding process as a business or lender, which will include connecting your financial data and completing basic KYC/KYB information. If you need help getting started, you can reach out to the team by email.
Flowt is available as a web-based platform. Availability of native mobile apps for Android or iOS has not been specified, so it should be considered web-only for now.
Flowt is best suited for formal-sector, climate-smart small and growing businesses in Africa that need unsecured working capital financing, for example in green manufacturing, agri-processing, distributed renewable energy, or clean cooking. It is also designed for lenders, investors, and grantmakers who want tools to find, assess, and monitor these businesses and portfolios.
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