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 saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

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 2026-09-08 · rubric v0.20.0

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Flow48 Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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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