Why Invest

Why Invest
in FLOWPAY Fund

Embedded Financing Infrastructure

Flowpay is building an AI-driven infrastructure for embedded lending, giving businesses access to capital directly within the digital tools they use every day, such as Shoptet, Teya, Storyous, etc.

Growth Accessible to Investors

The Fund gives investors the opportunity to participate in the growth of this dynamic segment through a regulated qualified investor fund structure.

Flowpay in Numbers

Annual SME Financing Gap in the EU

CZK 9.5+ trillion

SMEs within reach of Flowpay platforms

125,000+

Repeat usage rate among clients

84 %

What Sets This Investment Apart

Why Invest

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

1
Two sources of return. One fund.
2
Current Flowpay valuation: CZK 841 million (Deloitte Advisory).
3
Massive market opportunity (CZK 9.5+ trillion annual SME financing gap in the EU).
4
Strong distribution (20+ integrations, reach of 125,000+ SMEs).
5
A product customers come back to (84% repeat usage rate).
6
A value-added fund supporting business growth and entrepreneurship.
7
AI and automation-driven technology accelerating the financing process.
8
Real-time data enabling more precise risk assessment compared to traditional banks.
9
Regulated structure (the fund is overseen by a depositary and supervised by the Czech National Bank).
10
Tax exemption on capital gains for individuals (when shares are held for more than 3 years).

Investment Strategy

An investment strategy built
on two pillars.

We create value for investors in two ways: recurring income from debt financing and growth potential of Flowpay.

Recurring Income

In the debt yield component, the fund finances the activities of the FLOWPAY Group, and returns are generated from interest income and portfolio management.