Czech fintech platform Flowpay has been recognised in two categories of the 2025 Deloitte Technology Fast 50 Central Europe programme. The company received awards in the Impact Stars and AI Value Driver – CE Tech Rocketship in GenAI categories. Deloitte highlighted both Flowpay’s approach to financing small and medium-sized enterprises and its use of artificial intelligence.
Flowpay’s financing model is built around real-time business data. Instead of relying primarily on historical financial statements, as is common in traditional credit assessment, the company works with data from bank accounts, point-of-sale systems and e-commerce platforms that businesses use in their day-to-day operations. This data is then processed using Flowpay’s proprietary algorithms and artificial intelligence.
This approach earned the company recognition in the Impact Stars category for its contribution to SME financing. The second award, AI Value Driver, highlights the way Flowpay applies artificial intelligence in financial services. According to Deloitte, the company demonstrates how generative AI can take traditional financial services to a new level.
From banking experience to building his own fintech
Flowpay was founded by William Jalloul. During his previous career in finance, he repeatedly encountered businesses that struggled to secure capital through traditional banks.
“I saw how difficult it was for small and medium-sized businesses to access capital. At the same time, I wanted to build a company that could have a real impact, not just locally but globally. I also believe that SMEs are the backbone of the economy, yet they are often overlooked. That is why I decided to start Flowpay,” Jalloul explains. According to him, the traditional banking process can often take several months, while the final lending decision still relies heavily on tax returns. These, however, may not accurately reflect a company’s current performance or its future potential.
With Flowpay, he therefore set out to find a way to assess businesses using data that better reflects how they are performing in real time. Restaurants use point-of-sale systems, e-commerce businesses rely on online platforms, while other companies use accounting software or banking applications. Connecting to these data sources makes it possible to build a continuously updated view of how a business is developing.
“Flowpay is not primarily a lending company. Fundamentally, it is a technology company focused on data, artificial intelligence and infrastructure. We have built infrastructure that can connect with small and medium-sized businesses, assess them and, on the other side, connect them with capital,” says the company’s founder.
Financing embedded in the platforms businesses already use
Technology platform integrations are an important part of Flowpay’s model. They make financing available directly within the digital environments businesses already use to run their day-to-day operations.
For Flowpay, these partnerships serve two purposes. They provide the data needed to assess potential clients while also acting as distribution channels. This allows the company to offer financing at the moment a business actually needs capital, whether to purchase inventory, invest in equipment or fulfil a new order.
Flowpay’s customers are primarily small and medium-sized businesses. Companies in hospitality, e-commerce and retail represent the largest customer segments, but its financing is also used by businesses in manufacturing, transport, services and other industries.
For Jalloul, the importance of small businesses to the wider economy was one of the main reasons for founding Flowpay. “What matters most to me is making capital more accessible to small and medium-sized businesses. I want to change the situation they face today because it has enormous socioeconomic consequences. If SMEs start disappearing, regions will become poorer, and that will have a major impact on our lives,” he says.
From the Czech Republic to new European markets
Flowpay currently operates in the Czech Republic, Slovakia and the Netherlands. Jalloul cites participation in the US-based Techstars accelerator, cooperation with investment firm Fasanara Capital, a partnership with e-commerce platform Shoptet and collaboration with Dutch bank ABN AMRO among the key milestones in the company’s development so far.
The company’s next goal is to continue expanding across Europe. Flowpay is already testing the Belgian market and preparing to enter additional countries. Its longer-term ambition is to operate across the entire European Union as well as the United Kingdom.
Flowpay therefore sees its recognition in the Deloitte Technology Fast 50 primarily as validation of the team’s work and the direction the company has taken.
“I’ve followed the Fast 50 for a long time and always thought that one day I would like to see Flowpay on that list,” says Jalloul. “It is recognition of the success of the entire Flowpay team, which is trying to change something in the market and in the economy and create a real impact. That makes me incredibly happy, and the award itself is really just the cherry on top,” he adds.
