Prague-based Flowpay has acquired German fintech Tapline, expanding its footprint across Germany and the UK and strengthening its position in Europe’s SME financing market. The terms of the deal were not disclosed, as Vestbee was informed.
About Flowpay
- Founded in 2021 by William Jalloul, Flowpay is a fintech company that provides AI-based financing to small and medium-sized enterprises (SMEs). It offers short-term and operational funding designed to address working capital needs, seasonal fluctuations, and revenue volatility as an alternative to traditional bank lending.
- The platform automates application, underwriting, and funding decisions using real-time business data. Through embedded integrations with systems such as e-commerce platforms and point-of-sale software, Flowpay assesses company performance and structures financing accordingly.
- Flowpay operates in the Czech Republic, Slovakia, and the Netherlands, targeting part of the estimated €400 billion annual SME funding gap in Europe.
About Tapline
- Founded in 2021 by Dean Hastie, Peter Grouev, and Dmitrij Miller, Tapline specializes in revenue-based financing for technology, AI, and SaaS companies. The platform enables startups to access non-dilutive capital, with repayment terms dynamically linked to future revenues and business performance.
- Tapline operates primarily in Germany and has expanded into the UK, Estonia, Poland, and the Czech Republic. Its model is designed to align financing with growth-driven business models, providing capital without collateral requirements or equity dilution.
Details of the Acquisition
- The acquisition enables Flowpay to expand beyond traditional SME financing into high-growth technology sectors, integrating Tapline’s revenue-based financing model into its portfolio. The combined platform will serve traditional SMEs as well as fast-scaling AI and SaaS companies seeking flexible, performance-based capital.
- Flowpay is acquiring Tapline in full, including its technology, know-how, and team. Initially, Tapline will continue operating as a separate product, with plans for gradual integration into Flowpay’s broader financing ecosystem. The deal supports Flowpay’s strategy of scaling modern, tech-driven financing solutions across key European markets.
