---
title: "Flowt: Business Loans in Kenya"
description: "Get unsecured working capital in Kenya for climate-smart SMEs. Upload bank/M-Pesa statements or sync QuickBooks, Zoho or Odoo to prequalify fast."
canonical_url: "https://liners.com/flowt-africa"
markdown_url: "https://liners.com/flowt-africa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/flowt-africa/screenshot.webp?v=1787063288554"
published_at: "2026-08-18T14:17:47.725Z"
updated_at: "2026-10-05T10:59:47.592Z"
---

# Flowt: Business Loans in Kenya

Get unsecured working capital in Kenya for climate-smart SMEs. Upload bank/M-Pesa statements or sync QuickBooks, Zoho or Odoo to prequalify fast.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Flowt](/flowt-africa)

## Summary

Unsecured working capital for climate-smart African SMEs

An AI-powered fintech platform that provides unsecured working capital financing for climate-smart small and growing businesses in Africa using verified financial data.

## Product details

| Field | Value |
| --- | --- |
| Website | https://flowt.africa/ |
| Tagline | Unsecured working capital for climate-smart African SMEs |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.”

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/flowt-africa/alternatives)
- [Reviews](/flowt-africa/reviews)
- [Transparency](/flowt-africa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/flowt-africa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)