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PayFlow — Instant Payments for SMEs
Fintech • France
About the project
PayFlow revolutionises cash flow management for French SMEs with an instant payment and smart invoicing solution, cutting payment delays from 45 days to under 24 hours.
PayFlow is a B2B fintech platform built to solve the chronic cash flow problem faced by French SMEs, who lose on average 15 working days per year managing unpaid invoices. Our solution combines an instant payment module via SEPA Instant infrastructure with a proprietary credit-scoring AI that predicts late payment risk with 89% accuracy. The product is already deployed with 120 pilot customers in the Île-de-France region with an NPS of 72. We have raised €350,000 in seed funding and are seeking €800,000 to accelerate national growth and launch in Belgium and Spain within 18 months. The team consists of 8 experts in banking, software engineering, and regulatory compliance.
Funding progress
1 200 000 € raised
Goal: 800 000 €
100 % — Goal reached! 🎉
Key information
Funding sought
1 200 000 €
Goal
800 000 €
Country
France
Sector
Fintech
Submitted on
29/04/2026
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