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FlapKap

by FlapKap · Since 2021
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ActiveAvailable globallyCloud
Quick facts
VendorFlapKap
Year launched2021
StatusActive
LocationAl Khartem Tower - Hub 71 Abu Dhabi, United Arab Emirates
Countries servedGlobal
Languages1
Integrations6+
Free tierN/A
Free trialN/A
Contact salesYES

About FlapKap

FlapKap is a finance software platform from FlapKap that provides funding solutions for e-commerce businesses. It combines flexible financing, data-driven insights, and easy integration so users can access capital efficiently. The platform’s unique approach allows businesses to use their sales data for funding without the traditional burdens of collateral or lengthy applications. FlapKap integrates well with existing e-commerce platforms, making it suitable for various online sellers. Businesses can apply for funding based on future revenue, giving them the freedom to scale at their own pace. Key capabilities: flexible financing data analytics easy integration revenue-based funding user-friendly interface Best for: e-commerce businesses that need quick access to capital.

FlapKap is a fintech platform that addresses the working capital challenges of SMEs in the Middle East and Africa, particularly in e-commerce, retail, and F&B sectors. By offering non-dilutive, data-driven financing, it allows businesses to scale inventory, advertising, and operations without giving up equity. The platform is built around a fully digital dashboard that streamlines onboarding through secure API connections, with a unique funding calculator that estimates eligibility instantly based on revenue. Its functionality centers on flexible funding options such as revenue-based repayment plans, POS merchant advances, and dynamic credit lines, all designed to protect cash flow during sales fluctuations. Additionally, FlapKap integrates AI-driven growth insights, analyzing advertising data to help founders maximize return on ad spend and make informed inventory decisions. The platform supports rapid execution, boasting a 48-hour funding cycle from application to disbursement, and leverages automated AI underwriting to reduce human bias and handle seasonal business variations effectively.

Pros & Cons

Pros
  • Provides funding without requiring the business to give up ownership or shares.
  • Delivers capital quickly, often completing the entire process within just 48 hours.
  • Repayment schedules adapt automatically based on business revenue, reducing financial strain.
  • Application and approval are fully digital, using data analytics to streamline decision-making and reduce paperwork.
Cons
  • Requires sharing granular financial data via API integrations.
  • No transparent pricing information available

Features

Key features

48-Hour Funding Cycle

Provides a rapid end-to-end process where businesses can sign up, qualify, and receive a funding offer within 48 hours.

Revenue-Based Repayment

Aligns repayments with business performance, where a lower revenue month automatically results in lower repayments.

AI-Driven Underwriting

Uses a data-driven approach to evaluate creditworthiness by connecting directly to e-commerce, social media, and advertising platforms.

100% Digital Onboarding

Features a completely paperless process for uploading documents and connecting bank accounts or sales platforms via an app.

Flexible Asset Monetization

Allows businesses to unlock funds from trade receivables or future POS sales to manage immediate inventory or cash flow needs.

Additional features

Revenue-Based Funding

Provides working capital for e-commerce businesses in exchange for a small fee and a percentage of future revenues.

POS Merchant Advance

Advances future revenue for brick-and-mortar businesses, such as restaurants and clinics, based on their Point of Sale (POS) transaction volume.

Dynamic Credit Line

Offers a credit solution that uses trade receivables as collateral, allowing businesses to draw funds as needed and only pay for what they use.

Automated Platform Integration

Connects seamlessly with everyday business tools including Shopify, Amazon, QuickBooks, Zoho, and various bank accounts.

Funding Calculator

Includes an in-app tool to estimate eligible funding amounts based on a business's monthly revenue.

Inventory Scaling Tools

Specific funding facilities designed to help businesses meet high demand and avoid stock-outs.

Expansion Funding

Provides capital specifically earmarked for exploring new markets and driving rapid business growth.

Receivables Unlocking

Bridges the gap between making a sale and receiving payment by providing immediate access to the value of trade receivables.

Growth Insights & Analytics

Offers AI-based insights on advertising campaigns and revenue trends to help founders optimize their spending.

Refinancing/Top-up Options

Provides a streamlined process for existing clients to access additional funds or refinance current facilities through the app.

Mastercard Start Path Support

Grants users access to Mastercard’s global network and expertise through FlapKap’s participation in the Start Path program.

Partner Discounts

Offers preferential rates and discounts on services like logistics (Aramex) and prime physical display spaces for SMEs.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
1
Interface languages
1
Billing currencies

Interface languages

English

Billing currencies

🇺🇸USD

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