First, sign up for our myFlowpay app. Based on the information and data about your business, we will prepare a personalized financing offer for you. Then, simply fill out a quick financing application. We’ll walk you through the whole process, and you can complete everything online in just a few minutes. If you're using Shoptet or Dishboard, you can apply directly through the Shoptet Boost or Dishboard administration.

If you're using one of our supported platforms (see the list), you'll need to upload two forms of ID for verification. One must be a government-issued ID, like a passport or residence permit, and the other can be a driver’s license, passport, or even a health insurance card (contact us if using the health card option). We only accept original documents, and you won’t be able to continue the application without them.

We use advanced machine learning to analyze key aspects of your business, such as projected revenue and financial stability. Based on this analysis, we create a personalized financing offer that’s tailored to your specific needs.

‍

We analyze transactional data from your platform to assess your creditworthiness and provide a financing offer. By reviewing this data, we get a clear picture of how your business is performing, allowing us to create a customized offer just for you.

It’s easy! Log into myFlowpay and go to the integration tab. You’ll find step-by-step instructions to guide you. If you need further assistance, don’t hesitate to reach out—we’re happy to help.

If you’re still having trouble, let us know which platform you’re using, and we’ll walk you through the process step by step.

Yes, if you do not use any of the platforms, we can try to prepare an offer based on alternative information. Please provide us with as much information about your business as possible, such as your industry, sources of income, monthly turnover, and your expectations regarding the amount and purpose of the financing.

It will then be necessary to submit financial statements for the past two years. For legal entities, we require financial statements for the last year, including full financial statements, or a preliminary statement from the current year, if available.

We process the submitted data gradually, and it is possible that we have not yet reached your documents. If you would like to make sure everything is in order or would like to remind us, please feel free to contact us at support@flowpay.io or by phone. We will be happy to provide you with an update on the status of your request.

We only use your bank statement to evaluate your loan application and ability to repay. Without this information, unfortunately, we won’t be able to provide financing.

PSD2 (Payment Services Directive) is an EU regulation for online payment services. It allows us to verify and approve financing fully online, eliminating the need for paper statements.

You’ll first give consent via GoCardless, then be redirected to log into your bank. Don’t worry, the connection is fully secure and handled directly by your bank. We only gain read-only access to your statements—no payments or transfers can be made.

GoCardless is a top provider of secure, online bank statement access. By using this licensed company, there’s no need for paper statements, making the loan approval process quick and easy. Rest assured, it’s completely safe—GoCardless only provides us with view access, with no ability to make transfers or changes to your account.

We’ll have access to your current and historical bank statements for six months. All data is used solely for evaluating your loan and repayment ability. If financing is approved, it’s important to keep the connection active.

AML (Anti-Money Laundering) identification is a legal requirement that helps prevent money laundering and terrorist financing.

No worries! You can pick up right where you left off anytime in myFlowpay (or at the supported platform interface). If you have any questions, feel free to reach out to us at support@flowpay.io.

Our online calculator provides an estimate, but the final offer is based on the data you provide about your business. So, the final fee and maximum loan amount may differ.

Yes, you can apply for financing as many times as needed! If you already have a previous offer, feel free to submit a new request. If you don’t have a current offer and need more financing, contact us—we’ll help you find the right solution.

Our evaluation process carefully analyzes several factors, including your business performance, credit history, and the current economic landscape. In this case, our system has recommended not to approve financing at this time. We suggest waiting for future opportunities and trying again later.

Yes, you can reapply, but we recommend waiting at least three months before doing so.

To get your personalized financing offer, we need to understand how your business is doing. After registering, you’ll need to provide more information. Select one or more of the platforms you use and connect them. If you don’t use any platform, upload two financial statements along with other relevant business info. The more details we have, the better we can tailor your offer.

Your profile may currently not meet the requirements for creating a financing offer. This can happen, for example, if there is a short business history or a lack of relevant data. You can try uploading your tax returns in the application, or you may wait a month or two and check the offer availability later.

If you are in urgent need of financing, please contact us and we will check whether we can find a solution for you. In general, the more information we have (additional platforms, tax returns, etc.), the greater the chance of creating an offer.

We typically review applications within one business day. Sometimes, more complex cases take longer if additional verification is needed. Thanks for your patience!

That’s totally up to you! You can invest in advertising, stock up on inventory, or expand your space. We trust you know best how this financing will help grow your business.

We offer financing options for 1, 3, 6, or 12 months. The specific terms are customized to fit your business needs. You can easily view them through our online calculator after registration.

Repayment terms depend on the financing duration:

For 1 and 3 months: You’ll pay only a monthly fee during the term, and the principal is due at the end. You also have the option to defer the principal payment by one month.
For 6 and 12 months: Payments are spread out in regular monthly installments. You can defer the principal payment for 1 or 2 months, either at the start or during the financing term.

You can view your full repayment plan in our calculator, the Financing Agreement, and within the myFlowpay app.

‍

You pay a fixed monthly fee for the financing, so you’ll always know exactly how much you’ll pay in total. If you choose to defer the principal payment, the fee for this option is also clearly stated upfront. Fees are individually determined based on your business analysis and the financing terms.

We use advanced machine learning to analyze key aspects of your business, such as projected revenue and financial stability. Based on this analysis, we create a personalized financing offer that’s tailored to your specific needs.

‍

Company directors guarantee the financing. The Financing Agreement includes a personal guarantee that they will cover all obligations related to the financing.

Yes, early repayment is possible! If you choose to repay early, your monthly fees may be forgiven. To settle the financing early, you’ll need to pay the full monthly fee for the upcoming due date, but we will waive the remaining monthly fees for the remaining term.
Contact us at support@flowpay.io to discuss the next steps.

We understand that things can happen. One option is deferring the principal payment. If you’re facing repayment difficulties, reach out to us at support@flowpay.io as soon as possible. We’ll work together to find a solution. The sooner you contact us, the better.

If you activate the deferral, you’ll pay only 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 phone, and we’ll send you the fee details and payment info.

For 1- and 3-month financing, you can defer by one month.
For 6- and 12-month financing, you can defer principal payment twice.

‍

Yes, you can have multiple financings at once! The additional financing will depend on your credit limit, and the total amount cannot exceed 100 000 EUR.

If you have any questions or feedback, feel free to reach out to us at support@flowpay.io or give us a call at +420 226 400 049. We’re happy to help!

If you’re having trouble registering, you might already have an account under the same or a different email address. Try logging in instead. If you’re a Shoptet customer, log directly into your Shoptet admin panel and check the Shoptet Boost section for our offer. Still having trouble? Contact us at support@flowpay.io or give us a call.

If you’ve registered before, make sure you’re using the same email. If you forgot your password, click on “Forgotten Password” and follow the steps to reset it. If that doesn’t work, you might have logged in by your Google or Apple account in the past, try using that and if it still does not work, contact us at support@flowpay.io, and we’ll help you out.

If you have any questions or feedback, feel free to reach out to us at support@flowpay.io or give us a call at +420 226 400 049. We’re happy to help!

It’s easy! Log into myFlowpay and go to the integration tab. You’ll find step-by-step instructions to guide you. If you need further assistance, don’t hesitate to reach out—we’re happy to help.

If you’re still having trouble, let us know which platform you’re using, and we’ll walk you through the process step by step.

Yes, if you do not use any of the platforms, we can try to prepare an offer based on alternative information. Please provide us with as much information about your business as possible, such as your industry, sources of income, monthly turnover, and your expectations regarding the amount and purpose of the financing.

It will then be necessary to submit financial statements for the past two years. For legal entities, we require financial statements for the last year, including full financial statements, or a preliminary statement from the current year, if available.

We process the submitted data gradually, and it is possible that we have not yet reached your documents. If you would like to make sure everything is in order or would like to remind us, please feel free to contact us at support@flowpay.io or by phone. We will be happy to provide you with an update on the status of your request.

We typically review applications within one business day. Sometimes, more complex cases take longer if additional verification is needed. Thanks for your patience!

Our evaluation process carefully analyzes several factors, including your business performance, credit history, and the current economic landscape. In this case, our system has recommended not to approve financing at this time. We suggest waiting for future opportunities and trying again later.

Yes, you can reapply, but we recommend waiting at least three months before doing so.

Our online calculator provides an estimate, but the final offer is based on the data you provide about your business. So, the final fee and maximum loan amount may differ.

We understand that things can happen. One option is deferring the principal payment. If you’re facing repayment difficulties, reach out to us at support@flowpay.io as soon as possible. We’ll work together to find a solution. The sooner you contact us, the better.