Flow is an inclusive fintech company that empowers small entrepreneurs in Africa through instant, short-term loans delivered via mobile phone. Active in both Rwanda and Uganda, with approximately 80 percent of operations in Uganda and 20 percent in Rwanda, Flow supports kiosk owners and mobile money agents. These entrepreneurs play a vital role in local economies but often lack access to traditional financing. Many of them are women, young people, or first-time borrowers who use Flow’s funding to keep their businesses running and support their communities.
Flow’s innovative model combines digital technology with local support on the ground to provide fast and flexible working capital where it is needed most. With over 920,000 loans disbursed to date, Flow is making a real difference by strengthening small businesses, increasing financial resilience, and promoting financial inclusion in underserved areas.
General information
| Borrower | Flow Global Limited |
| Country | Uganda |
| 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 2025-12-31
| Portfolio Overview | €4,206,846.77 |
| Leverage ratio | 62.00% |
| Write-off ratio | 11.00% |
| % investment amount in arrears (>90 days) | 10.00% |
About Uganda
Uganda is a fertile, landlocked country with a young population and an economy driven by agriculture, trade, and a growing services sector. The government invests in infrastructure and education, though challenges around governance and employment remain significant. Rwanda, located south of Uganda, is known for its stable leadership, rapid economic growth, and focus on technology and sustainability. The capital, Kigali, is emerging as a regional hub for innovation. Despite limited natural resources, Rwanda has made progress in education, healthcare, and equal opportunity, supported by active government policy and international cooperation.
Last funded project
RwandaMobile money agents in Rwanda support people by depositing and withdrawing money via mobile phones.But what about their own access to finance? Flow provides these entrepreneurs with short-term loans, ensuring they have sufficient balance to carry out transactions. Your investment sets money in motion in rural Rwanda.