Flow48 🇬🇧

Series A

Revenue-based financing for SMEs in the Gulf with data-driven underwriting (UK-registered HQ per Harmonic).

About Flow48

Flow48 provides revenue-based financing solutions for small and medium enterprises (SMEs) in the Gulf region, allowing businesses to convert future revenues into immediate capital without incurring debt or diluting ownership. The company employs a flexible financing model that has been successfully implemented in Europe and the USA, utilizing data-driven underwriting processes to tailor financial products to client needs.

Flow48 is a UK-based company founded in 2021, now around 37 people.

Founded by Karim Khattar (Co-Founder; previously Abela freres, Booz Allen Hamilton; IESE Business School), Idriss Al Rifai (Co-Founder & CEO; repeat founder; previously Boston Consulting Group (BCG), Education for Employment Foundation; Booth School of Business).

Its investors also appear on FundFinder's most-active lists for Series A · Fintech (84 funds), Series A · B2B (80 funds), Series A · AI (62 funds).

Company facts from Harmonic and public filings; team backgrounds from public profiles. Refreshed weekly.

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Series A · Feb 2025

Investors2V212 VC

212 VC — 212 is a B2B tech VC founded in Istanbul in 2011 and based in Luxembourg, with a presence in London, Doha, Dubai and San Francisco.

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