Investment Opportunity

Transforming Cash Flow
for Blue-Collar Businesses

Flowly is revolutionizing invoice factoring with AI verification technology, delivering same-day payments to an underserved $1.5T market.

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Leadership

Meet Our Team

Industry experts with deep experience in fintech, blue-collar industries, and AI

Brent Broten

Brent Broten

Founder & CEO

18+ years in automotive and logistics operations with expertise in supply chain optimization and financial operations.

Operations Finance Blue-Collar
Name here

'Prospect name here'

Chief Technology Officer

Searching for a lead AI engineer with expertise in computer vision and document processing systems.

AI/ML Cloud Scalability
Name here

'Future name here'

Chief Financial Officer

15+ years in financial services with experience in asset Management in factoring and structured finance.

Finance Banking Factoring

Advisory Board

Name here

'Future advisory board displayed if willing'

'CEO, XYZ Company'

25+ years in commercial banking and SMB lending

Name here

'Future advisory board displayed if willing'

'CEO, XYZ Company'

Industry leader in commercial construction with 30+ years experience

Name here

'Future advisory board displayed if willing

'CEO, XYZ Company'

Specialized investor in construction and trades technology

Current Investors

VCs or Investor

Lead Investor - Seed Round

Canadian VC firm specializing in early-stage fintech

VCs or Investor

Lead Investor - Seed Round

Canadian VC firm specializing in early-stage fintech

Investor Overview

Investment Highlights

The key factors driving Flowly's growth and investment potential

Revenue Streams

Transaction Fees

2%-5% of funded payout, based on invoice quality and payment terms.

Example:
$10,000 invoice × 4% = $400 fee

SaaS Subscription

$99-$299/month based on business size, includes advanced features.

Features include:
Cash flow forecasting, contractor lead generation, client management, lean mangement

Partner Revenue Share

Revenue sharing with factoring partners for qualified lead generation.

Structure:
10-15% of partner's factoring fees

Financial Projections

*Projections are based on current growth trajectory and market penetration rates.

Key Financial Metrics

2025 Q4 Expected Monthly Recurring Revenue
$54,090

Target: $450,000 by Q3 2026

Monthly Transaction Volume
$795,600

Target: $1.8M per month by 2027

Customer Acquisition Cost (CAC)
$820
Industry Average: $225 32% Below Average
Customer Lifetime Value (LTV without SaaS)
$12,640
LTV:CAC Ratio 10:1
Gross Margin
78%
Industry Average: 55% 42% Above Average
Burn Rate
$32,000/month
Runway 18 months (pre-investment)
Investor Tool

Tiered Financial Projection Calculator

Explore how our tiered pricing model impacts Flowly's key financial metrics

Input Parameters

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Projected Results

Adjust parameters to see projections

How This Relates to Our Targets

MRR Target: $450,000 by Q3 2026

Transaction Volume Target: $1.8M per month by 2027

Target LTV:CAC Ratio: >10:1

Target Gross Margin: 78%

Tiered Subscription Model

Feature Basic ($99/mo) Pro ($199/mo) Enterprise ($299/mo)
Factoring Fee 4% 3.5% 3%
Lead Generation 10 leads/month 25+ leads/month
Cash Flow Forecasting Basic Advanced Premium + Scenarios
Lean Management
Support Level Standard Extended Hours 24/7 Dedicated
Growth Plan

Growth Strategy & Roadmap

Our path to scaling across Canada and beyond

Strategic Growth Plan

Phase 1: Market Validation (Completed)

  • Platform development and initial AI verification system
  • First factoring partner relationships established
  • Launch with initial 25 blue-collar businesses
  • $1.5M in invoices processed

Phase 2: Expansion (Current)

  • Enhanced AI verification system with geo-verification
  • Expansion to 200+ businesses across Alberta and British Columbia
  • Secure 3 additional factoring partners
  • $25M in total invoice volume

Phase 3: Canada-Wide (2026)

  • Full Canadian market penetration
  • 1,000+ businesses on platform
  • 8 factoring partners with $100M+ monthly capacity
  • Launch of additional financial services

Phase 4: U.S. Expansion (2027)

  • Initial U.S. market entry in key construction hubs
  • U.S. factoring partnerships and regulatory compliance
  • 5,000+ businesses across North America
  • $1B+ annual transaction volume

Product Roadmap

Q2-Q3 2025

Mobile App 2.0

Enhanced mobile experience with offline capabilities for job sites

Advanced AI Verification

Next-gen verification with fraud detection enhancements

Cash Flow Forecasting

Predictive analytics for business financial planning

Q2-Q4 2025

Partner API Platform

Open API for factoring partners to integrate directly

Invoice Bidding Marketplace

Competitive partner bidding for verified invoices

Lead Generator

Generate prospecting leads for contractors to aquire more work

Enhanced Security Features

Blockchain verification and advanced security protocols

Q3 2026 - 2027

U.S. Market Expansion

Platform adaptation for U.S. regulatory environment

Financial Services Suite

Expanded offerings including business credit solutions

Industry Data Analytics

Market intelligence platform for blue-collar sectors

Market Analysis

The Market Opportunity

Blue-collar businesses represent a massive, underserved segment

Market Breakdown

Market Dynamics

The Payment Gap Problem

65% of blue-collar businesses report cash flow problems due to payment delays of 30-90 days, affecting their ability to grow and operate efficiently.

Growing Sector

The construction, trades, and field service sectors are growing at 8% annually, creating increasing demand for cash flow solutions.

Underbanked Segment

Traditional financial institutions struggle to serve blue-collar businesses effectively, creating an opportunity for specialized fintech solutions.

Competitive Landscape

The blue-collar factoring space features several players, but Flowly stands apart with our AI verification system and specialized focus.

Feature Flowly Traditional Factors Generic Fintech
Blue-Collar Focus
AI Verification
Same-Day Funding
Digital-First Experience
Fee Structure 2-5% 3-8% 5-10%

Key Competitive Advantages

60 second verification vs. 2-3 days for traditional factors
Enhanced fraud detection with multi-point verification
Mobile-first platform designed for on-site work documentation
Network effects as more blue-collar businesses join the platform
Financial Opportunity

Business Model & Financials

A scalable model with multiple revenue streams

Revenue Allocation

Product Development (40%)

AI technology enhancement and platform expansion

Marketing & Sales (30%)

Customer acquisition and market expansion

Team Growth (20%)

Expanding engineering and customer success teams

Working Capital (10%)

Operational expenses and financial reserves

Exit Strategy

Flowly's strategic exit opportunities include acquisition by financial institutions seeking fintech innovation, larger factoring companies looking to modernize operations, or strategic industry players entering the blue-collar finance space.

3-5 Years

Projected timeline to acquisition opportunity

5-8x

Revenue multiple for fintech acquisitions

$100M+

Target valuation at exit

Get In Touch

Investor Relations

Connect with our team to explore investment opportunities

Contact Us

Investor Resources

Direct Contact

  • investors@getflowly.ca
  • +1 (403) 555-0177

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