Flow48

Flow48 is an SME financing platform founded in March 2022 and backed by Speedinvest that provides non-dilutive, collateral-free capital to small and medium businesses across the GCC and wider MENA region, with a focus on the e-commerce and food & beverage sectors. Its two core products are revenue-based financing, which converts a business's future revenues into upfront capital repaid as a share of sales, and invoice financing, which accelerates cash locked in unpaid invoices. Flow48 markets funding decisions and disbursement within 24 to 48 hours with flexible repayment and no equity surrender. The company operates a self-service borrower onboarding portal but does not currently publish a public developer program, API reference, or SDKs.

Flow48 is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial-Services, Embedded Finance, and SME Lending.

Flow48’s developer surface includes signup flow, support, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Financial-Services Embedded Finance SME Lending Revenue-Based Financing Invoice Financing MENASpeedinvest Portfolio

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 10.2/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.0 / 20

Access Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/flow48: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: flow48
name: Flow48
description: Flow48 is an SME financing platform founded in March 2022 and backed by Speedinvest that provides non-dilutive,
  collateral-free capital to small and medium businesses across the GCC and wider MENA region, with a focus on the e-commerce
  and food & beverage sectors. Its two core products are revenue-based financing, which converts a business's future revenues
  into upfront capital repaid as a share of sales, and invoice financing, which accelerates cash locked in unpaid invoices.
  Flow48 markets funding decisions and disbursement within 24 to 48 hours with flexible repayment and no equity surrender.
  The company operates a self-service borrower onboarding portal but does not currently publish a public developer program,
  API reference, or SDKs.
url: https://raw.githubusercontent.com/api-evangelist/flow48/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://flow48.com/favicon.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Financial-Services
- Embedded Finance
- SME Lending
- Revenue-Based Financing
- Invoice Financing
- MENA
- Speedinvest Portfolio
tags_raw:
- Company
- Fintech
- Financial Services
- Embedded Finance
- SME Lending
- Revenue-Based Financing
- Invoice Financing
- MENA
- Speedinvest Portfolio
apis: []
common:
- type: Website
  url: https://flow48.com
- type: SignUp
  url: https://ssob.flow48.com
- type: Support
  url: https://flow48.com/contact
- type: TermsOfService
  url: https://flow48.com/terms
- type: PrivacyPolicy
  url: https://flow48.com/privacy
- type: DomainSecurity
  url: security/flow48-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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