Flowt

Flowt

Services

Kenya

Flowt helps African businesses turn their financial data into a clearer path to the debt financing they need to grow.

The Challenge

Good businesses struggle to access credit

Many African small and growing businesses have a sound model and real opportunities for growth, yet access to credit remains slow and expensive.

Credit reviews can stretch from a few weeks to 6 months. Lenders need detailed financial information, while founders without a CFO often lack the reports and analysis banks expect. The result is a gap between businesses ready to grow and the capital available to them.

The Innovation

Financial intelligence for better lending decisions

Flowt connects a business’s accounting software with a digital financing process. Its MVP integrates with QuickBooks and analyses real financial data within hours.

The platform builds a clearer financing picture for the business and gives lenders structured information for assessment and portfolio monitoring. It also explains why a given financing amount makes sense, helping both sides work from the same evidence.

What Makes It Stand Out

From financial data to the first loan

Within the first 3 months, Flowt has arranged and disbursed its first 3 loans. The platform is building a faster connection between African businesses that need capital and lenders looking for better information.

Impact

Where the change happens

Access to Finance & Business Growth

Flowt turns accounting data into a clearer financing picture. Businesses can explain how much funding they need, while lenders get structured information to assess and monitor them.

Jobs & Livelihoods

Better access to working capital can help businesses grow and create more sustained jobs and income opportunities. Job outcomes still need to be measured.

PEOPLE

Meet the

founders

Elana Laichena

CEO & Co-founder

Elana Laichena is an entrepreneur and development finance consultant with more than 13 years of experience. She has worked across venture building, finance, and business development in Africa, including at Delta40 Venture Studio and Open Capital Advisors.

Elana Laichena

CEO & Co-founder

Elana Laichena is an entrepreneur and development finance consultant with more than 13 years of experience. She has worked across venture building, finance, and business development in Africa, including at Delta40 Venture Studio and Open Capital Advisors.

Elana Laichena

CEO & Co-founder

Elana Laichena is an entrepreneur and development finance consultant with more than 13 years of experience. She has worked across venture building, finance, and business development in Africa, including at Delta40 Venture Studio and Open Capital Advisors.

Handel Dan Owour

CTO & Co-founder

Handel Dan Owour is a data and engineering leader with more than 8 years of experience. He has held senior technology roles at SunCulture and Twiga Foods and leads Flowt’s product and technology work.

Handel Dan Owour

CTO & Co-founder

Handel Dan Owour is a data and engineering leader with more than 8 years of experience. He has held senior technology roles at SunCulture and Twiga Foods and leads Flowt’s product and technology work.

Handel Dan Owour

CTO & Co-founder

Handel Dan Owour is a data and engineering leader with more than 8 years of experience. He has held senior technology roles at SunCulture and Twiga Foods and leads Flowt’s product and technology work.

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