Flow is an inclusive fintech company that empowers small entrepreneurs in Africa through instant, short-term loans delivered via mobile phone. Active in Rwanda and Uganda, Flow supports kiosk owners and mobile money agents—key players in local economies who often lack access to traditional financing. Many of these entrepreneurs are women, young people, or first-time borrowers who use Flow’s funding to keep their businesses running and serve their communities.
Flow’s innovative model combines digital technology with local, on-the-ground support to deliver fast, flexible working capital where it’s needed most. With over 920,000 loans disbursed to date, Flow is driving real impact by strengthening small businesses, improving financial resilience, and advancing financial inclusion in underserved regions.
General information
| Borrower | Flow Global Limited |
| Country | United Kingdom |
| Head office | London |
| Website | https://www.flowglobal.net/ |
| Founded | 10 August 2018 |
| Active on Lendahand since | 8 April 2025 |
| Credit Score | B |
Financial information per 2025-05-01
| Portfolio Overview | €2,256,420 |
| Leverage ratio | 64.30% |
| Write-off ratio | 1.35% |
| % investment amount in arrears (>90 days) | 4.20% |
About United Kingdom
Rwanda is a small, landlocked country in East-Central Africa, bordered by Uganda, Tanzania, Burundi, and the Democratic Republic of the Congo. Known as the "Land of a Thousand Hills," its landscape is characterized by rolling hills, lush forests, and lakes. Rwanda has become one of Africa’s fastest-growing economies, driven by agriculture, tourism, and a rapidly expanding services sector, including finance and technology. The government has focused on infrastructure development, business-friendly policies, and digital innovation, making Kigali a rising hub for investment. Socially, Rwanda has made significant progress in education, healthcare, and gender equality, with women holding a majority in parliament.
Last funded project
RwandaKiosk owners and mobile money agents are essential to their communities, yet they have little to no access to financing themselves. Flow is changing that: with a loan sent directly to their mobile phone, they can grow their business and serve more people. Will you invest in fair access to capital in rural Rwanda?