Unleashing the potential of small businesses in emerging markets.


Flow catalyses growth for small businesses in emerging markets by providing digital solutions for their most pressing need: liquidity.

Our first target group are independent retailers. While they sell 80%+ of all goods consumed in developing and emerging markets, they lack liquidity to achieve their full potential. According to World Bank, there was over $5 trillion worth of unmet demand for credit for micro small and medium enterprises in 2015.

Our mission is to ensure that all independent businesses in emerging markets have the liquidity they need to flourish. Flow partners with suppliers and provides business intelligence and data analytics to catalyse access to electronic money liquidity.

This removes barriers to entry for small entrepreneurs, increases incomes and accelerates the growth of the digital economy.

We are operational in East Africa and seek to expand to further regions shortly.

Year Established


Number Of Employees



Level39 , 1 Canada Square , Canary Wharf , London , Greater London , E14 5AB , United Kingdom






Meet the team at Flow
Michael Rothe


10+y experience in financial inclusion/FinTech * Scaled start-up in Uganda * Consulted across dev markets * started career at Citi Inclusive Finance

Nitin Garg


12+ years experience in FinTech for financial inclusion * advised more than 40 financial institutions from dev markets on digital transformation

Afam I-Ezike

Data & Scoring Adviser

* 10 years+ working on data analytics, valuations, risk management and pricing. * Built models for Barclays, HSBC, JP Morgan, UBS, Commerzbank, RBS

Geoffrey Acini Taban

Country Rep Uganda

Scaled two previous businesses in Uganda * Managed operations of mobile wallet company with 300,000+ customers and 2000+ retail outlets *

Anupam Varghese


15+ years experience in employing tech for business & social needs * At Eko India Financial Services for a decade including as CTO * IoT start-up

Justine Babirye

Relationship Manager Uganda

Managed field staff team of 60 at mobile wallet provider in rural Uganda * 2 years at BRAC Uganda as Credit Officer

Robert Matthews

Finance Adviser

* 2 successful startups * Extensive investment, M&A and PE, incl. Africa * Senior Finance roles at FTSE100 corporates * Chartered accountant (ex-KPMG)