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About FLOWPAY Fund

Join a European fintech success story in the making

Become an InvestorWhy Invest?

Don't miss the opportunity to invest in FLOWPAY Fund SICAV a.s., a qualified investor fund (QIF) designed to deliver steady income and long-term growth. Your investment also helps power small and medium-sized businesses (SMEs), the backbone of the European economy.

FLOWPAY Fund in Numbers
Target Return PRIA CZK
up to 15% p.a.
Flowpay Valuation
by Deloitte
CZK 841 million
SME Financing Gap in the EU
CZK 9.5+ trillion
Investment Options

Returns & Investment Share Classes

Two sources of return.
One fund.

FLOWPAY Fund combines returns from SME financing with the growth potential of the Flowpay platform, offering two avenues of capital appreciation.

Recurring Component
Debt Yield
  • The fund provides capital to the Flowpay Group through debt structures.
  • Returns are primarily driven by interest income from financing and active portfolio management.
  • The goal is to build a diversified portfolio across SME segments.
Upside Component
Capital Appreciation
  • The fund holds shares in Flowpay.
  • Investors share in the success of a leading European technology company.
  • The growth in Flowpay's value can increase the value of the fund's assets and its shares.
What Sets This Investment Apart

What Sets This Investment Apart?

Fund and Platform Connection

The Fund finances the business activities of the Flowpay Group (providing financing to SMEs) while also holding an equity stake in Flowpay.

More about the fund and platform connection
Financing in Practice

The Fund's capital is deployed to finance SMEs' operating needs quickly, based on data, and directly within the platforms businesses use every day.

More about financing in practice
Flowpay valuation as of Sept. 30th, 2025
by Deloitte Advisory
CZK 841 million
Investment Advantages

What makes this investment unique.

Two sources of return

The Fund's capital supports financing of SMEs' operating needs quickly and directly within the platforms businesses use.

Regulated structure

The fund is managed by AVANT investiční společnost, supervised by the Czech National Bank, overseen by its depositary UniCredit Bank.

SME Support

125,000+ small and medium-sized businesses have access to financing through 20+ platforms.

European Expansion

Flowpay currently operates in CZ, SK, and NL. In 2026, it plans to expand into HU, HR, DE, GB, BE. The goal after 2027 is the entire EU.

FLOWPAY robot

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Grow your capital and support the growth of the Czech and European economy.