Flowcast
Flowcast provides an API-first AI/ML platform that automates credit decisioning, collections, and deduction claims processing for global financial institutions and enterprises, enabling faster underwriting and risk assessment.
- Company typePrivate
- Founded2015
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Flowcast does
Flowcast is a San Francisco-based enterprise AI/ML company founded in 2015 that builds a proprietary, patented machine learning platform for automating credit lifecycle decisions at financial institutions and large enterprises. The company deploys three core solutions built on the shared platform: Smartcredit (underwriting for thin-file and credit-invisible SMEs, accelerating underwriting 2–3x via automation), Smartclaims (deduction claims automation that auto-clears at least 50% of claims with the registered Smartclaims trademark), and Smartcollections (proactive default detection and prescriptive next-best actions for collections teams). The platform is API-first, deployable on public or private cloud, and produces white-box, explainable ML outputs with human-readable explanations and feature-level contributions attached to every prediction, validated via out-of-sample/out-of-time methodology.
The platform integrates alternative and traditional data sources, supports transfer learning across global risk professionals, and returns structured risk scores, bands, and confidence levels via a documented REST API endpoint. Flowcast serves Tier-1 financial institutions (Standard Chartered, HSBC, DBS, Santander, ING, Euler Hermes) and enterprise corporates (Hitachi, Nike) across North America, Asia Pacific, and Europe. Revenue is generated through enterprise quote-based subscriptions with annual billing, sold via direct enterprise sales. The company has raised approximately $14.15M in cumulative disclosed funding across rounds from 2016 to 2021, with notable strategic investors including Experian Ventures, ING Ventures, BitRock Capital, and SAP.iO.
Flowcast firmographics
Firmographics- Name
- Flowcast
- Legal name
- Flowcast Inc.
- Website
- https://flowcast.ai
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Flowcast provides an API-first AI/ML platform that automates credit decisioning, collections, and deduction claims processing for global financial institutions and enterprises, enabling faster underwriting and risk assessment.
- Ownership category
- akta.pro rank
Flowcast industry classification
Industry- Product category
- AI Credit Decisioning Software
- NAICS
- Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Decisioning Engines (Rules, Scorecards, ML) (FSAGAHAB)
- akta.pro secondary industries
- Underwriting Automation & Income/Employment Verification (FSAGAHAD), Risk Scoring, Decisioning & Orchestration (FSAMALAB)
Keywords
Where Flowcast is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Flowcast business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Enterprise ML Platform Licensing: Flowcast provides AI/ML platform services to financial institutions via API access. The platform is described as enterprise-scale with deployment options for public or private cloud. Revenue appears to be generated through licensing the ML platform for credit decisioning, collections, and deduction claims processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise quote-based pricing |
Distribution channels3 records
Marketing channels6 records
Flowcast product offering
Product offeringCore offering
Flowcast provides an AI/ML platform that automates credit decisioning for financial institutions, delivering real-time predictive risk scoring via API. Its three deployed solutions—Smartcredit (underwriting), Smartcollections (proactive collections), and Smartclaims (deduction claims automation)—run on a patented machine learning engine trained on historical transaction data, with explainable outputs and alternative-data support for thin-file borrowers.
Product overview
Flowcast offers a unified AI platform for credit decisions with three deployed solutions built on a shared proprietary ML platform. The core platform provides enterprise-scale machine learning with API-first deployment, explainable predictions, and transfer learning capabilities. Smartcredit handles credit underwriting by applying ML to diverse data sources to assess thin-file borrowers. Smartcollections enables proactive debt collections through early default detection. Smartclaims automates deduction claims processing with ML-driven claim validation. All three solutions integrate via API with existing ERP and workflow systems, and share common capabilities including real-time scoring, confidence levels, and human-readable explanations.
Differentiator
Problem solved
Functional benefit
Brands
- Smartclaims™: AI-powered automated deduction claims processing solution that auto-clears at least 50% of claims and accelerates dispute resolution.
Products and services
- Smartcredit
Quantifiable outcome
- 2-3x faster underwriting via automation
- +6 more outcomes
Companies that use Flowcast
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles1 record
Flowcast technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature6 records
Flowcast partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
Flowcast competitors and assessment
Company assessmentDirect peers
- Upstart: Upstart applies ML to consumer credit decisioning and lending via bank partnerships; comparable AI-credit model approach, though more consumer/BNPL-focused and operating its own lending program.
- Zest AI: Zest AI builds machine-learning credit underwriting software for lenders, focused on inclusive lending and explainable models — a direct functional overlap with Flowcast's Smartcredit product and core ML platform.
- Provenir: Provenir offers a unified risk analytics and decisioning platform combining data, AI, and decisioning workflows for financial services — overlapping with Flowcast's API-first ML decisioning for credit, collections, and claims.
- Scienaptic AI: Scienaptic AI provides an AI-powered credit decisioning platform for banks and lenders, with explainable models and alternative-data integration — directly comparable to Flowcast's underwriting and collections offerings.
Broad incumbents
- Equifax: Equifax provides credit data, analytics, and decisioning tools for lenders; its scale in alternative-data and bureau assets makes it a broad incumbent competing in the same lender-credit-decision workflow.
- FICO: FICO is the dominant incumbent in consumer credit scoring and decisioning, with enterprise software spanning origination, account management, and fraud — the established alternative Flowcast must displace.
- Experian: Global credit bureau and analytics incumbent with broad credit-decisioning and fraud products; also an investor in Flowcast via Experian Ventures, making it both a partner and a large-scale competitor.
Emerging players
- Personetics: Personetics provides AI-driven financial insights and engagement for banks, including credit-related decisioning workflows — adjacent banking-AI competitor with overlap in collections and account-level risk analytics.
- Nova Credit: Nova Credit uses alternative data to assess creditworthiness of credit-invisible and immigrant consumers, with APIs for lenders — overlapping with Flowcast's thin-file and alternative-data positioning for inclusive lending.
- Lendio: Lendio operates an SMB lending marketplace and underwriting technology, overlapping with Flowcast's SME-credit-inclusion thesis though focused on marketplace facilitation rather than enterprise ML APIs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Flowcast social profiles
Digital presenceFlowcast financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flowcast leadership team
Management profileNumber of profiles
Profiles6 records
Flowcast funding detail
Funding detailFunding overview
Funding rounds7 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flowcast M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flowcast
What does Flowcast do?
Flowcast provides an AI/ML platform that automates credit decisioning for financial institutions, delivering real-time predictive risk scoring via API. Its three deployed solutions—Smartcredit (underwriting), Smartcollections (proactive collections), and Smartclaims (deduction claims automation)—run on a patented machine learning engine trained on historical transaction data, with explainable outputs and alternative-data support for thin-file borrowers.
Is Flowcast a public or private company?
Flowcast is a private company. It is classified as venture growth investor backed and is currently operating.
When was Flowcast founded?
Flowcast was founded in 2015. It employs 11 to 50 people.
Where is Flowcast based?
Flowcast is headquartered in San Francisco, United States, in the North America region.
How does Flowcast make money?
One revenue line is on record: enterprise ML Platform Licensing.
Who are Flowcast's main competitors?
Direct peers on record are Upstart, Zest AI, Provenir and Scienaptic AI. Broad incumbents are Equifax, FICO and Experian. Emerging players are Personetics, Nova Credit and Lendio.
Does Flowcast have an API?
Yes. Flowcast provides an API-first ML platform that enables real-time credit decisions. Financial institutions invoke API calls to receive predictive results integrated into existing ERP rules engines and workflow tools. The platform supports both public and private cloud deployments with a REST API endpoint (POST /v1/decisions). Each prediction returns a risk score, risk band, and feature-level explanations showing contributing factors. Developer documentation is at flowcast.ai/platform.
What industry is Flowcast in?
Flowcast's product category is AI Credit Decisioning Software. Its primary akta.pro industry code is FSAGAHAB, Credit Decisioning Engines (Rules, Scorecards, ML), with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 5223 and its SIC code is 7320.