Flowpay, a data and AI-driven fintech building embedded finance infrastructure for SMEs, has partnered with Teya, the financial services provider supporting local businesses across Europe, to expand access to working capital across the continent. Through this collaboration, Teya’s merchant base can access flexible financing of up to €100,000 (or 2.5 million CZK) directly within the same platform they already use to manage payments and business operations. 

Small and medium-sized enterprises (SMEs) across Europe continue to face significant obstacles in accessing working capital from traditional lenders, often due to rigid credit models and lengthy, paperwork-heavy processes. This financing gap can constrain growth, especially for high-potential merchants navigating seasonal cycles or rapid demand shifts.

“Using real-time data from PSPs (Payment Service Provider) and other business platforms, our AI models assess performance and growth potential, enabling SMEs to access working capital quickly and without the friction of traditional banking,” says William Jalloul, CEO of Flowpay.

​​Flowpay’s embedded financing offer through Teya is now live in the Czech Republic and Slovakia with plans to expand into Hungary and Croatia later in 2026. Following an expansion into Spain and Italy in February 2026, Teya is now serving over 75,000 local businesses in nine European markets, with plans to expand into more to meet growing demand for its services.

Sahithya Vemana, Head of Banking & Credit at Teya said, "SMEs are the lifeblood of economic growth in Central Europe and, through our partnership with Flowpay, Teya are best-placed to help them thrive. Merchants in the Czech Republic and Slovakia can now benefit from a financial services product that is tailored to their management and funding needs with embedded financing options, giving them the freedom to focus on serving their communities."

Flexible, Data-Driven Financing

Through the integration with Teya, financing offers are dynamically reviewed and adjusted based on business performance. Merchants can access financing for one, three, six, or twelve months, with a fully digital agreement process completed in four transparent steps. Funds are transferred immediately upon approval. 

Repayments can be deferred for up to two months if needed, and early repayment is free of charge - ensuring businesses only pay for the time they use the capital.

“Flexible financing is essential for SMEs navigating seasonality and shifting market conditions. By leveraging real-time data, we provide capital aligned with how modern businesses operate and grow,” says Jalloul.