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Flow48

Table of Contents
Introduction

When it comes to financing solutions for SMEs, there are many, such as working capital loans, asset-based financing and bridging finance. One of the more underutilised types of alternative financing instruments for SMEs is invoice financing.

Invoice financing is a type of funding that allows businesses to borrow money against the amounts due from customers or suppliers, providing them with immediate capital. One of the best platforms for SMEs to find invoice financing is Flow48.

What is Flow48?

Flow48 is a fintech company that provides non-dilutive working capital and invoice financing solutions to SMEs. The company uses technology to assess risk and underwrite loans, a business model that enables SME lending quickly and effectively.

Flow48’s ideal SME is one that meets the following criteria:

  • Be a registered business with an operational period of at least 12 months
  • Have a minimum annual revenue of R2-3 million
  • Be actively generating monthly revenue through sales, invoices, or card transactions
  • Must be operating in sectors such as wholesale, retail, manufacturing, logistics, FMCG, and professional services
Main Features

Flow48 offers the following to SMEs:

Easy Online Application: Apply online in 4 easy steps.

Quick Approval: Applications done on Flow48 are approved within 48 hours.

Flow48 Revenue-Based Financing (RBF)

An alternative financing model based on revenue, not assets. Flow48 allows you to access RBF easily, as long as your company generates predictable revenues.

Flow48 Invoice-Based Financing (IBF)

A financing instrument that allows businesses to borrow money against outstanding invoices.

Pricing

Flow49 Invoice Financing Requirements 

Flow48’s ideal SME is one that meets the following criteria:

  • Be a registered business with an operational period of at least 12 months.
  • Have a minimum annual revenue of R2-3 million.
  • Be actively generating monthly revenue through sales, invoices, or card transactions
  • Must be operating in sectors such as wholesale, retail, manufacturing, logistics, FMCG, and professional services.

The funding amount that Flow48 offers ranges from R100 000 to R10 million. Financing periods range between 1 and 12 months, depending on the product. If all is in order with your application, Flow48 will send your money within 48 hours of approval.

Pros and Cons

Pros

Tailored financing for each business.
Easy application process.
Quick approval turnaround.

Cons

Limited funding options.
High minimum revenue required.
FAQs

No, Flow48 does not require any equity or security for its alternative lending products.

Repayments start on the date agreed in your offer letter. Repayments are on a monthly basis for revenue-based financing and end of tenor for invoice-based financing.

Typically, Flow48 requests for a share of between 5-20% of monthly revenues. The actual portion is tailored according to each business.

Yes, Flow48 acts as a partner for its SMEs clients. As your business grows you can reach out to your account manager to discuss additional funding.

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