Technology Built for Small Business Lending

The Flow Liquidity Engine combines data-led credit scoring, disbursement, and collections into a single platform, built specifically for small business lending in emerging markets.

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Digitize Lending Workflows

✔ Automate disbursal, collections, and account reconciliation end-to-end

✔ Configure credit scoring to your own risk criteria

✔ Fully digital customer onboarding

✔ Business logic configuration for upgrades, downgrades and customer management

Sales Force Management

✔ White-labeled mobile app for field officers, under your brand

✔ Manage pipelines and customer relationships directly from the field

✔ Track field officer performance from a central dashboard

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Business Console

✔ Give credit, compliance, and collections teams real-time visibility into customer and portfolio performance

✔ Track sales and field officer performance across your entire network

✔ Advanced analytics on credit risk, collections efficiency, and portfolio health

✔ Role-based access, so each team sees exactly what it needs

Customer App

✔ White-labeled mobile app for your customers, under your brand

✔ Apply and repay anytime, 24/7

✔ In-app support, built in

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Our Partners

Leading financial institutions are using the Flow Liquidity Engine, including :

Our Clients Testimonial

We harness cutting-edge technology to deliver fast and accessible growth capital to small businesses.

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Partnering with Flow Global has enabled Izwe to unlock a completely new business segment—offering short-term working capital to Mobile Money Agents in Zambia through the Izwe Float facility. The Flow platform’s flexibility has allowed us to scale with rapid disbursements, seamless reconciliation, and improved operational efficiency. With Flow, we’ve been able to deliver a fast, transparent, and hassle-free financial solution that empowers agents to grow their businesses with confidence.

- Willie Steenkamp, Financial Services Specialist, IZWE

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Flow offers invaluable reliability, business skills and agility, so that together we can succeed in an innovative and promising partnership throughout Madagascar.

- Benoit SARRAUTE, General Director, Sipem Banque, Madagascar

Steps to-go-live

Go live with the Flow Liquidity Engine in just 6 steps

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Onboarding & KYC Modules

Simplify customer onboarding with fast, compliant KYC processes that ensure secure and efficient user verification.

Financial Profiles

Build detailed financial profiles using data insights, allowing for tailored lending decisions based on accurate credit assessments.

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Loan Recovery

Streamline loan recovery with automated tools that track repayments and manage follow-ups, optimizing the recovery process.

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API Integration

Connect seamlessly with data sources, payment platforms, and third-party systems through flexible API integration.

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Reports & Analytics

Access real-time reports and insights, empowering lending teams to make data-driven decisions and monitor performance effectively.

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Empowering Small Businesses

We harness cutting-edge technology to deliver fast and accessible
growth capital to small businesses.

Get in touch

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With any investment, your capital is at risk. The value of your investment with Flow can fluctuate, and past performance does not guarantee future results. Tax treatment and individual outcomes may vary, and we recommend consulting a qualified advisor if you have questions about investments or tax considerations. By using this website, you agree to our Terms and Privacy Policy.