Yes, the front-end often feels smooth
A quick pre-approval, an intuitive interface, a promise of simplicity…
But behind this impression of instant access, the real steps of financing still create friction: document verification, manual validations, funding delays… A customer pre-approved in seconds might still wait four days because of a missing or incorrect document, it’s common, and it’s costly.Automated financing shouldn’t be just a marketing promise. It can and should become a true conversion driver, if rethought from the ground up.
At flovver, that’s exactly what we do: rethink financing to make it nearly instant, fully integrated, and accessible without compromising on accuracy or transparency.
The real online financing experience
Today, a customer looking to finance a purchase or service typically goes through this journey:
- They do a quick online search
- They fill out a simple, fast application form
- They receive an instant pre-approval
- They’re promised a final decision within a short time
Entering the financing process is easy, but getting through it is often much harder:
- Requests for supporting documents (bank statements, pay slips, ID verification)
- Back-and-forth between platforms or with customer support
- A partially manual risk assessment
- And often… a delay of 1 to 4 days before funds are actually disbursed
What if getting a loan deposited into your account in under 30 seconds was no longer just a dream?
A financing experience that’s not just fast on the surface, but truly seamless from start to finish? Imagine a journey like this:
- The customer fills out an application designed to be simple and quick, then securely connects to their bank
- Their profile is automatically generated using real-time financial data
- A financing offer is proposed, tailored to their actual risk level
- They receive a contract directly via SMS
- One click, accepted
- The funds are instantly deposited into their account
No friction. No phone calls. No unnecessary delays. Just a fully integrated financing experience, effortless, uninterrupted, and immediate.
It’s already possible with flovver
We didn’t just build another financing tool. We reimagined the entire journey, integrating smart modules that can:
- Automatically collect and validate supporting documents
- Assess risk in real time, with no human intervention
- Instantly generate and send digital contracts
- Manage installment payments seamlessly, on an ongoing basis
- Disburse funds immediately, based on customizable rules
A responsible, autonomous, without compromise approach
At flovver, we believe it’s possible to align:
- Accessibility for customers
- Control for businesses
- Transparency in risk assessment
- Responsibility in how financing is granted
- We build solutions that empower, without cutting corners.
Financing should be easy, responsible, and built for results. Ready for the next generation?