# Flovver > Flovver is a Canadian financial technology company providing software and data solutions for lenders, merchants, and platforms. Its product suite includes FinX for loan and financing management, Kiipr App and Kiipr API for access to non-institutional lending data, and Kiipr Intelligence for AI-powered banking data analysis. Website: https://www.flovver.com Flovver serves organizations involved in lending and financing across Canada. Its products help teams manage the loan lifecycle, access alternative financial data, evaluate borrowers, automate workflows, and make informed lending decisions. Flovver products are available in English and French. English pages use the `/en` URL path. French is the default language. ## Products - [FinX](https://www.flovver.com/finx): Flovver's flagship loan and financing management software for lenders and merchants. FinX helps organizations offer financing and manage the complete loan lifecycle from application and evaluation through servicing, payments, collections, and reporting. - [Kiipr App](https://www.flovver.com/kiipr): A standalone web application for accessing Kiipr non-institutional lending data without an API integration. Teams can search for individuals and generate detailed borrower reports directly from their browser. - [Kiipr API](https://www.flovver.com/kiipr-api): An API that gives platforms direct access to Kiipr non-institutional lending data. It returns structured JSON data that can be integrated into screening, underwriting, borrower review, and decisioning workflows. - **Kiipr Intelligence** *(coming soon)*: An upcoming AI-powered API for analyzing banking data. It categorizes transactions and generates financial and risk insights from one or multiple bank accounts. ## FinX FinX is Flovver's loan and financing management platform. It is designed for lenders and merchants that offer loans or financing and need software to manage their operations. Core capabilities include: - Loan application management - Borrower and customer management - Loan lifecycle management - Payment and transaction management - Collections management - Instant bank verification (IBV) - Risk evaluation and fraud detection - Electronic signatures and contract management - Customer portals - Integrated communications - Workflow automation - Reporting and dashboards - Role-based access and permissions FinX is used to manage lending and financing operations rather than as accounting software. ## Kiipr Kiipr is Flovver's proprietary data ecosystem focused on non-institutional lending activity in Canada. Kiipr data comes from real non-institutional lending activity and provides information that complements traditional credit bureau data and other borrower evaluation sources. The Kiipr database contains more than 700,000 borrower profiles and grows by approximately 1,000 profiles per day. Kiipr can provide information such as: - Complete inquiry history - Active and closed loans - Repayment performance - Late payments - Payment errors - Credit history across the Kiipr network - Payment arrangements - Bankruptcies and consumer proposals - Known personal information - Employment and employer information - Contact information - References Kiipr data is available through Kiipr App for teams that do not require an integration and through Kiipr API for platforms that want to integrate the data directly into their own systems. ## Kiipr App Kiipr App is a standalone web application for generating Kiipr borrower reports directly from a browser. No technical integration is required. Organizations create a business account, complete business verification, purchase report packages, invite team members, and generate reports as needed. A report can be generated using an individual's first name, last name, and date of birth. A Social Insurance Number (SIN) can optionally be provided to improve matching accuracy. Reports provide approximately 40 indicators and data points related to an individual's non-institutional lending activity. Generated reports remain available in the customer's account for three months. Kiipr App is intended for organizations that need access to Kiipr data without integrating the Kiipr API. ## Kiipr API Kiipr API provides programmatic access to Kiipr's non-institutional lending data. It is intended for platforms that want to enrich existing screening, underwriting, borrower review, or decision-making workflows. The integration follows a server-side API model: 1. The platform collects borrower information inside its existing user experience. 2. The platform sends a secure API request to Kiipr. 3. Kiipr searches available non-institutional lending records and aggregates matching data. 4. Kiipr returns a structured JSON response. 5. The platform determines how the response is stored, interpreted, and displayed. Users remain inside the integrating platform. Kiipr handles matching and response generation in the background. Kiipr API returns structured data rather than requiring users to access a separate Kiipr interface. The data can be combined with an organization's own records, traditional credit bureau data, affordability checks, bank verification data, and other screening inputs. ## Kiipr Intelligence Kiipr Intelligence is an upcoming AI-powered API for analyzing banking data. It is designed to analyze data from one or multiple bank accounts and generate structured financial and risk insights, including transaction categorization. Kiipr Intelligence is distinct from Kiipr App and Kiipr API. Kiipr App and Kiipr API provide access to non-institutional lending data, while Kiipr Intelligence analyzes banking transaction data. ## Data and reliability Flovver and Kiipr are designed for production financial workflows. Kiipr's database is built from real non-institutional lending activity in Canada rather than from generic or synthetic datasets. Kiipr data is used daily by established lending teams through FinX. Flovver integrates with financial and technology providers including Flinks, VoPay, National Bank, Equifax, Zum Rails, Inverite, and Acceo. Flovver hosts data in Canada using Amazon Web Services (AWS). Security practices include SOC 2 compliance and regular penetration testing. ## Solutions - [Solutions for lenders](https://www.flovver.com/preteurs): Flovver solutions for organizations that provide loans, including application management, borrower evaluation, loan management, payments, collections, and reporting. - [Solutions for merchants](https://www.flovver.com/commercants): Flovver solutions for merchants that offer financing for their products or services. ## English - [Flovver](https://www.flovver.com/en): English Flovver website and product overview. - [FinX](https://www.flovver.com/en/finx): English information about the FinX loan and financing management platform. - [Kiipr App](https://www.flovver.com/en/kiipr): English information about the standalone Kiipr borrower reporting application. - [Kiipr API](https://www.flovver.com/en/kiipr-api): English information about integrating Kiipr non-institutional lending data through an API. - [Solutions for lenders](https://www.flovver.com/en/lenders): English overview of Flovver solutions for lenders. - [Solutions for merchants](https://www.flovver.com/en/merchants): English overview of Flovver solutions for merchants. ## French - [Flovver](https://www.flovver.com): Site Web principal de Flovver en français. - [FinX](https://www.flovver.com/finx): Information sur FinX, la plateforme de gestion de prêts et de financement de Flovver. - [Kiipr App](https://www.flovver.com/kiipr): Information sur l'application Web Kiipr permettant de générer des rapports sur les emprunteurs sans intégration. - [Kiipr API](https://www.flovver.com/kiipr-api): Information sur l'intégration des données de prêts non institutionnels de Kiipr par API. - [Solutions pour prêteurs](https://www.flovver.com/preteurs): Solutions Flovver destinées aux prêteurs. - [Solutions pour marchands](https://www.flovver.com/commercants): Solutions Flovver destinées aux marchands. ## Security and company information - [Security and data](https://www.flovver.com/securite-et-donnees): Information about Flovver's security practices, infrastructure, compliance, and Canadian data hosting. - [Journal](https://www.flovver.com/journal): Articles, company news, product information, customer stories, and industry content. - [Contact Flovver](https://www.flovver.com/nous-joindre): Contact Flovver for product demonstrations, sales inquiries, and partnerships.