The business loans marketplace for Africa
Flowt helps African startups and mid-size businesses effortlessly assess their financial health and connect with suitable lenders, fueling growth.
How Flowt Empowers Your Business
Secure Bookkeeping Software Integration
Seamlessly link your accounting software for accurate, real-time financial analysis
Debt Readiness Assessment
Understand your company's financing potential with a comprehensive, readiness assessment and customized recommendations on improvements
Financial Health Insights
Gain actionable insights into your key financial metrics, empowering informed decision-making
Right-size your Financing
Understand your ability to repay based on your transaction history and growth trajectory
Pre-approval for Lenders
Complete the due diligence process in days, not months, with investor-ready information
Get Multiple Loan Offers
Connect with multiple lenders whose offerings align perfectly with your business profile and be able to compare rates transparently
Underwrite African businesses in days, not months
Financial Intelligence
- •AI-powered financial statements analysis of businesses using bookkeeping software
- •Automated calculations of key metrics
- Revenue trend
- Monthly cash flow volatility
- Gross and net margin patterns
- Debt service coverage (DSCR)
- Liquidity ratios
- Inventory turnover
- Burn rate & runway (if negative cashflow)
- Customer-specific transaction history & cash-to-cash cycles for invoice/PO financing
- •Tax compliance verification and credit bureau checks
Leadership Team Assessment
- •Structured founder & leadership team profile evaluation
- •AI-assisted video interviews to assess capability and commitment
- •Automated reference checks with previous partners and customers
Risk Mitigation
- •Reputational risk screening
- •Pattern detection across financial data to identify red flags
- •Comprehensive view of combining financial, operational, and founder signals
Debt Readiness Tool
Show Lenders You're Ready—Before You Even Apply.
Stay Lender-Ready With Clear Insights
Understand your financials from a lender perspective, improve your financial acumen, and share a transparent profile that earns lender confidence. Build trust with data-backed financial health metrics.
Ready to Transform Your Funding Journey?
Take the first step toward unlocking working capital for your African startup or SME. Share your details and our team will reach out with next steps.
Get Started Now