Czech startup Flowpay launches in the Netherlands with €30 million backing to close Europe’s SME financing gap

Flowpay, a FinTech and Data & AI company out of Prague that has built an Embedded Finance Infrastructure to support SME growth, has officially launched in the Netherlands and secured a €30 million facility from investment manager Fasanara Capital.

The launch follows its participation in the ABN AMRO + Techstars Future of Finance Accelerator in Amsterdam, The new line of credit will accelerate Flowpay’s mission to close Europe’s €400 billion SME financing gap by providing “fast, accessible, and flexible growth capital” to SMEs.

“This new credit line from Fasanara Capital enables us to strengthen our position as a leading embedded lending solution in Europe,” said William Jalloul, CEO and Founder of Flowpay. “Our ambition is to become the next European FinTech unicorn empowering SMEs across the continent with fast, data-driven, and flexible financing that fuels real economic growth.”

Flowpay’s €30 million facility situates it within a clear European trend of FinTechs addressing the SME financing gap through data-driven, embedded-finance models.

In Poland, Wealthon secured €126.2 million to expand its SME-financial services ecosystem, while Dutch fintech FINOM attracted €92.3 million to scale its platform for small businesses. In the UK, Juice raised €29.4 million to provide new financing options for local SMEs, and Italy’s Sibill closed a €12 million round for its all-in-one finance platform.

In the Netherlands, Factris also raised €100 million to expand SME lending across Europe, signalling sustained investor appetite for this segment.

Flowpay’s expansion from Central and Eastern Europe into the Netherlands mirrors this broader pattern of FinTechs scaling pan-European embedded finance infrastructure. Its partnership with Fasanara Capital follows earlier SME-finance funding collaborations, such as the investor’s 2023 facility with SME Finance, further underscoring continuity in capital flows into SME-lending innovation.

“Flowpay has developed a technology that makes SME financing faster, simpler, and scalable. We believe the future of financial markets depends on innovative models like this. Our partnership with Flowpay aligns with our mission to bridge the funding gap faced by European SMEs,” said Matt Kus, Partner and Head of Origination at Fasanara Capital.

Flowpay was founded in 2021 by serial entrepreneur and investor William Jalloul, who created the company to make access to capital easy for the businesses that form the backbone of the economy. The company is active in the Czech Republic, Slovakia, and the Netherlands.

Rather than focusing solely on risk, Flowpay uses AI to evaluate the potential of each business and provide operational financing that supports their growth. Its AI-driven platform automates the entire process from funding applications to risk assessment and evaluation.

The company uses an embedded lending infrastructure that allows businesses to access its services directly within the platforms they already use every day. This approach removes unnecessary paperwork and eliminates the inefficiencies of traditional banking. By connecting to systems such as point-of-sale, e-commerce platforms, and other data sources, Flowpay analyses business performance and offers tailored financing solutions.

Flowpay enables SMEs to access fully digital and flexible loans of up to €100,000, without traditional paperwork.

The €30 million debt financing from Fasanara Capital will accelerate Flowpay’s European expansion. After building its presence in the Czech Republic and Slovakia, the Netherlands marks Flowpay’s first Western European market and the establishment of its new Dutch entity. 

EU-Startups previously featured Flowpay in March 2025 when the company announced its €30 million to lend to SMEs and innovate embedded finance.

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