Flowpay is a Czech company that helps small and medium-sized businesses secure financing to support their growth. We offer short- and medium-term financing between €5,000 and €20,000. The key benefits? Speed, simplicity, and transparency. The whole process—from application to approval—takes place online and can be completed in just a few clicks.

Bukaroo and Flowpay have partnered to offer Bukaroo's clients short- and medium-term financing. Flowpay only works with the information you’ve provided and authorized, and we don’t interfere with Bukaroo’s regular business processes.

You’ll receive an email with an offer. After you agree to activate the service, you can view the offer in our online calculator. From there, all you need to do is fill out a simple online financing application. We’ll guide you through the entire process, which can be completed online in just a few minutes.

How you use the financing is completely up to you. Whether you’re investing in marketing, stocking up on inventory, or expanding your workspace, we trust you know best how to benefit your business.

To provide you with customized financing, we need to understand how your business is doing. We only use publicly available information and the data you provide. Your personal information is never shared with third parties and is used solely to prepare your financing offer and assess your ability to repay.

You’ll only need two forms of ID for the business owner to complete the online financing application. Any other information we need is gathered automatically during the process.

If you have any questions or need more information, feel free to email us at support@flowpay.io or give us a call at:

You pay a fixed monthly fee for the financing. The fees are set based on an analysis of your business and the specific financing terms.

Repayments are made in monthly installments, with financing fees covered in the initial months and the principal paid off with the final installment. You can view a full breakdown in the calculator during the financing application process and in your Financing Agreement.

We offer financing ranging from €5,000 to €20,000, with duration of 1 or 3 months. The specific terms are tailored to your business and can easily be reviewed in our online calculator after registration.

You can defer your financing by one month.If you activate the deferral, you’ll pay the monthly fee and an agreed deferral fee. Once these are paid, the principal repayment is delayed by one month. You can request a deferral when applying for financing or anytime during the term, but no later than three days before the final due date. To defer a payment during the term, just send a request by email or call, and we’ll send you the fee details and payment info.

Yes, you can repay early. Contact us at support@flowpay.io, and we’ll arrange the next steps.

You can repay the financing early at any time, and we’ll waive part of the fees. You’ll need to pay the full monthly fee for the next due date, but for the remaining months, we’ll reduce all fees by 50%. For more details, reach out to us at support@flowpay.io.

We understand that financial challenges happen. If you’re having trouble making your payments, please contact us as soon as possible at support@flowpay.io. We’ll work with you to find a solution. The earlier you reach out, the better.

The business owner(s) act as guarantors for the financing. The Financing Agreement includes a personal guarantee that the owner(s) will be responsible for all obligations related to the financing.

We use advanced analytics and machine learning to evaluate various aspects of your business, such as expected future revenue and financial stability. Based on this analysis, we create a personalized financing offer tailored to your business needs.

We use your bank account statements solely to assess your creditworthiness and evaluate your financing application. Unfortunately, without this information, we won’t be able to offer you financing.

PSD2 (Payment Services Directive 2) is a European Union regulation that allows us to verify and approve financing fully online without the need for paper bank statements. For more details, click HERE.

You’ll be asked to authorize access to your bank statements via GoCardless. After giving your consent, you’ll be redirected to log into your bank. This is a secure process, and we only get read-only access to your bank statements. We can’t make payments or transfers on your behalf.

GoCardless is a leading provider of services for online access to bank statements. By using their licensed services, there’s no need to submit paper statements, and the entire financing verification process is done easily online. It’s completely secure, and we only gain access to view your statements, without any ability to make changes or transfers.

Once connected, we can view your current and past bank statements for the duration of six months. This information is only used to evaluate your creditworthiness and to assess your financing application. If you receive financing, it’s important to keep your account connected for the duration of the financing.

AML (Anti-Money Laundering) identification is a legal requirement that helps prevent the use of financing for illegal activities and terrorism.

Our evaluation process considers several factors, including your business and financial performance, credit history, and the current state of the economy. In this case, our system recommended that financing shouldn’t be offered at this time for your protection and ours. We suggest waiting for future opportunities when we may be able to offer financing, and trying again later.

Yes, you can reapply even if your request was denied. We recommend waiting at least three months before submitting a new application.