Tapline is a German fintech company providing flexible, revenue-based financing to technology companies. Capital and repayment terms are dynamically adjusted to performance. The model delivers financing aligned to cash flow, without collateral or dilution of equity. The company was founded in 2021 by Dean Hastie (CEO), Peter Grouev (CIO) and Dmitrij Miller (CTO) after completing Antler’s inaugural residency program.
„The acquisition of Tapline is another step in expanding our portfolio of modern financing solutions for companies across Europe. Tapline has developed a solution for companies in the AI and SaaS verticals that naturally complements our existing products for traditional SMEs. This acquisition allows us to better address the specific needs of fast-paced, high growth companies, leveraging a strong tech driven solution while partnering with an amazing team!”
Tapline has been operating across key European markets, including Germany, the UK, Estonia, Poland, and the Czech Republic, with a particularly strong presence in highly regulated environments such as Germany. SME financing volumes exceed €100 billion annually in Germany and £65–90 billion in the UK, where conservative bank lending has helped accelerate the adoption of alternative financing models, which now represent an estimated 20–30% of the SME financing market.
„We built Tapline to provide SaaS and technology companies with financing aligned to their growth models. Partnering with Flowpay allows us to scale this solution across Europe and reach many more businesses,”
In 2025, Tapline raised a pre-Series A round to support platform development and European expansion, bringing total funding raised to over €50 million. Investors include Black Pearl VC, Antler Ventures, and V-Sharp, with customers such as Sweap, Fimo Health, Anybill, and TalknJob.
„Companies increasingly combine venture capital with alternative financing to grow without further dilution. Partnering with Flowpay allows us to scale this performance-based financing model across Europe,”
To date, Flowpay has focused on financing traditional SMEs, which represent the vast majority of companies in Europe and employ more than half of the workforce. These companies typically need flexible capital to manage seasonality, short-term revenue fluctuations, or operational needs. Flowpay provides fast and flexible access to capital as an alternative to traditional bank financing.
Technology, AI, and SaaS companies operate with growth-driven business models that create specific working capital and cash-flow needs. Flowpay addresses this segment through the integration of Tapline’s solution.
„We are acquiring Tapline in full, including its technology, know-how, and team, because its approach to financing startups complements our traditional SME financing model. Initially, Tapline will operate as a standalone product, but it will gradually be integrated into Flowpay’s product portfolio.”
Flowpay is a European technology startup redefining how small and medium-sized enterprises access financing. Rather than focusing solely on risk, Flowpay uses AI to evaluate the potential of each business and provide operational financing that supports their growth. Its AI-driven platform automates the entire process from funding applications to risk assessment and evaluation, making it fast, simple, and data-driven.
The company uses an embedded lending infrastructure that allows businesses to access its services directly within the platforms they already use every day. This approach removes unnecessary paperwork and eliminates the inefficiencies of traditional banking. By connecting to systems such as point-of-sale, e-commerce platforms, and other data sources, Flowpay analyzes business performance and offers tailored financing solutions designed to meet each company’s needs.
Flowpay was founded in 2021 by serial entrepreneur and investor William Jalloul, who created the company with the vision of closing the €400 billion annual funding gap faced by European SMEs by making access to capital as easy as it should be for the businesses that form the backbone of the economy, yet are often underserved by traditional financial institutions. The company is active in the Czech Republic, Slovakia, and the Netherlands.
