Flowpay and Teya have teamed up to introduce embedded working capital financing of up to EUR 100,000 for small and medium-sized enterprises (SMEs) throughout Europe.
Merchants using Teya’s platform can now apply for financing within the same interface they use to manage their payments and business operations. This seamless integration eliminates the need for separate banking applications and leverages real-time data from various sources to assess eligibility and credit performance.
Access to working capital has long been a challenge for SMEs in Europe, with traditional lenders often relying on strict credit scoring models that can disadvantage businesses with strong operational records but limited credit histories. Flowpay’s approach seeks to address this gap by utilizing data from payment service providers and business platforms to evaluate performance and growth potential dynamically.
Funding terms are structured over four duration options: one, three, six, or twelve months. The application process is fully digital and consists of just four steps, with funds disbursed immediately upon approval. Merchants also have the option to defer repayments for up to two months if needed, and there are no additional charges for early repayment.
The offer is regularly reviewed based on ongoing business performance, ensuring that financing conditions align with current trading activity rather than static historical data.
Rollout and market context
This partnership marks the launch in the Czech Republic and Slovakia, with plans to expand into Hungary and Croatia later in 2026. Teya, which recently expanded into Spain and Italy, now serves over 75,000 local businesses across nine European markets.
The collaboration aims to cater to merchants navigating seasonal cycles and fluctuating market conditions, where the speed and flexibility of embedded financing can offer significant advantages over traditional lending channels. Both companies will continue to focus on client needs while ensuring compliance with relevant regulatory requirements and laws.
The Czech and Slovak rollout is just the beginning of what both companies view as a broader European expansion strategy for this product.
