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Loan Products

Working capital when your business needs it most

Fast, flexible financing advanced against your invoices, purchase orders, stock, and grant contracts, on the basis of verified financial data.

See our products →How it works

* In partnership with Choice Microfinance Bank, licensed & regulated by the Central Bank of Kenya.

Loan size
KES 1M–6.5M
Terms
30–270 days
Amount financed
Up to 90%
Interest rate (KES)
2.0% / mo
Processing fee
2% of facility
Our products

The right facility for your business

Four working capital products, each structured around how money actually flows in your business.

Product 01

Invoice Financing

Advance against outstanding payments due from your customer. Get paid now, before the credit period ends; no need to wait 30, 60, or 90 days for your customer to settle up.

Repayment source
Customer payment after credit period
Product 02

Purchase Order Financing

Cash to fulfill customer purchase orders before you get paid. Get funds upfront to buy supplies and/or pay for production costs in order to complete the order.

Repayment source
Customer payment after PO fulfillment
Product 03

Inventory Financing

Finance the purchase of stock before making sales. Keep shelves stocked without tying up your working capital. Buy in bulk to secure better supplier terms and serve more customers.

Repayment source
Inventory sales proceeds
Product 04

Grant Contract Financing

Advance on a reimbursement-based grant contract or results-based financing (RBF) facility. Cover implementation costs upfront and get repaid when the grant pays out.

Repayment source
Grant or Results-Based Financing (RBF) disbursement
Why Flowt

Financing built differently

Fast

Complete due diligence in days, not months, based on verified financials. The entire process is online: no physical visits, no paper signatures.

Affordable

We derisk loans through better financial intelligence, rather than pricing for a high rate of defaults. You pay interest only on the days you need the facility, not a fixed term.

Unsecured

Our collateral expectations meet the realities of small and growing businesses. We take a debenture over receivables, inventory, and cash, not fixed assets you may not own.

Flexible

Financing tailored to your business activity and cash flow needs. Manage drawdowns, repayments, and view statements in your Flowt digital wallet.

How it works

Application to funded in the same week

1

Complete a Financial Health Check

~30 min

Get a free snapshot of your financial health by connecting your accounting software or uploading your bank and M-Pesa statements.

2

Get Prequalified

Same day

Our AI/ML tool will assess your financial information to determine whether you're ready to proceed with a full loan application.

Not financing-ready? We'll provide personalised feedback to help you improve and reapply when you're ready.

3

Complete the Full Application

~1 hour (if docs are ready)

Submit KYC/KYB requirements and supporting documents to verify the financial health check.

4

Receive Your Offer

1–2 business days

Flowt issues a loan offer and standard loan documents for your review.

5

Activate Your Facility

1 business day

Accept your offer, sign the loan agreement, and activate your dedicated Flowt account for disbursements and repayments, in partnership with Choice Bank.

6

Drawdown & Reuse

Ongoing

Request funds up to your approved limit when you need them (by submitting an invoice, PO, or contract to finance), and continue reusing your facility as you repay through your Flowt account.

Get started today →
Documentation

What we need from you

Documents are gathered in stages to save you time.

1
Stage one
Financial Health Check

Provide one of the following, whichever suits your business:

Option A
Admin/owner logs into your accounting software (Quickbooks, Zoho or Odoo) to pull your financial data via secure API
or
Option B
Management accounts from last 12 months (P&L, Balance Sheet, Cashflow)
or
Option C
Bank & mobile money statements for ALL accounts for the past 12 months
2
Stage two
Full Application
Must have
Certificate of Incorporation / Business Registration
National ID, Alien ID or Passport for each director and individual shareholder
KRA PIN or tax number for each director, individual shareholder and the company
Passport photo or selfie for each director and individual shareholder
Company name and registration document for each corporate shareholder
Where a shareholder is a company, we require the details of the ultimate beneficial owners, including for foreign shareholders.
Current CR12 and physical address of the company
Bank & mobile money statements for all accounts, past 12 months
Supporting documents (invoices, POs, supplier quotes, inventory records or grant contracts)
3 professional references
1-minute CEO intro video (recorded in-platform)
Nice to have
Tax Compliance Certificate
Audited accounts (required for any business over 1+ year)
3
Stage three
Prior to Disbursement

Once your loan offer is accepted, three final steps activate your facility:

A
Open a Flowt digital wallet for loan disbursements and repayments (administered by Choice Bank)
B
Sign the standard loan agreement digitally within the platform
C
If required based on your risk rating, upload evidence of updated payment instructions directing customer or grant payments to your Flowt account

Ready to apply for
working capital?

Start with a free financial health check to get prequalified.

Get Started →

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